27th week of 2020 patent applcation highlights part 57 |
Patent application number | Title | Published |
20200210941 | METHOD AND SYSTEMS FOR TRACKING CABLE DRUMS AND LENGTH OF CABLE ON THE DRUM - The present disclosure refers to a method and a system for tracking cable drums and length of cable on the drum. A method includes attaching a tracker device with a tracker identifier to a cable drum with a drum identifier, said drum identifier being associated in a database with drum dimensions and with cable dimensions of a cable stored on the drum. The method includes associating in the database the drum identifier also with the tracker identifier. The method includes when an event comprising at least a shock and/or a number of rotations of the cable drum around a longitudinal axis occurs, activating a first electronic circuit of the tracker device including a sensing device that detects at least the event, storing the detected event in a local memory of the tracker device and switching the first electronic circuit to standby mode after the detected event is stored. | 2020-07-02 |
20200210942 | AUTOMATIC LOCATION BASED DISCOVERY OF EXTENDED INVENTORY - In various example embodiments, systems and methods for automatic location based discovery of variations of displayed items in a store are presented, In some embodiments, a beacon ID associated with a beacon device located at a store is received. In other embodiments, at least one product identifier associated with the beacon ID and representing one or more of store displayed items available for sale by the store is determined. In further embodiments, product variations of the one or more store displayed items available for sale by the store are identified associated with the at least one product identifier. In another embodiment, display information representing the product variations of the one or more store displayed items available for sale by the store is provided. | 2020-07-02 |
20200210943 | SYSTEMS AND METHODS FOR SCHEDULING PARTS DELIVERY - Systems and methods for scheduling parts delivery are provided. In one implementation, a system may receive a set of requests for on-site services, wherein the on-site services of at least some of the requests require parts. The system may further schedule a set of tasks corresponding to the set of requests for a field professional. In addition, the system may determine a set of parts the field professional is likely to require to complete the set of tasks, and determine that the field professional needs an additional part not currently in the field professional's assigned inventory to complete the set of tasks. Thereafter, the system may schedule a task for delivery in the field of the at least one additional part to the field professional. | 2020-07-02 |
20200210944 | COMPUTER STORAGE SYSTEM - For an enterprise system, a data system has data records identifying logical items and logical containers that correspond to physical items and physical containers, the data records reflecting the storage of physical items and physical containers with other physical containers. An indication is received that a particular physical item has been moved from a first physical container to as second physical container. At least one identified data record is identified that reflects the storage of the physical item in the first physical container. The identified data records are updated to reflect the storage of the physical item in the second physical container. | 2020-07-02 |
20200210945 | COMPUTER STORAGE SYSTEM FOR GENERATING WAREHOUSE MANAGEMENT ORDERS - For an enterprise system in which physical items are stored in physical container and in which physical container are stored in other physical containers, a data system has data records identifying logical items and logical containers that correspond to the physical items and physical containers, the data records further reflecting the storage of physical items and physical containers with other physical containers. Some of the items are identified as as high-priority items. Containers to hold the high-priority items in transit are identified. Excess capacity in the containers is identified. Low-priority items to be sent are identified. The high-priority items and the low-priority items are aggregated into a list of items-to-be-moved. A list of tasks includes instructions to move the items-to-be-moved from their respective starting logical locations to the containers is made and distributed. | 2020-07-02 |
20200210946 | Manufacturing Procurement Process Enabling Part Certification, Verification, Tracking, Storage, Part Tokenization, and Facilitating Audit, Traceability, Recall and Anti-Fraud Measures Using Blockchain Technology. - The manufacturing procurement process described herein allows for the entire manufacturing production process and components to be encoded onto a live distributed manufacturing network platform that combines distributed ledger technology to permit verification, tracking and storage on a specialized blockchain tailored to the protocol and standards of industrial manufacturing. This process also assigns a unique digital blockchain-based “token” that corresponds with each specific Purchase Order, Part, and End Product, and encompasses the specific details relating to that Purchase Order, Part, or End Product, including the original order specifications and production requirements. The use of cryptographically-secured blockchain technology in this process improves the efficiency and traceability of the supply chain, enhancing the audit, traceability, recall and anti-fraud capabilities of manufacturers, and saving significant costs to suppliers, buyers, and ultimately, end users. | 2020-07-02 |
20200210947 | CONTROLLING INVENTORY IN A SUPPLY CHAIN - Methods and systems for controlling inventory in a supply chain are described. The system receives supply chain data including input signals comprising operational plans and observed supply chain operational metrics. The system automatically generates predicted supply chain operational metrics including a value at risk that is predicted for a product. The system automatically infers causal factors including a shipment of the product. The causal factors impact the predicted supply chain operational metrics. The system communicates a user interface for shipments of the product and the system receives input causing a change to a shipment of the product impacting the predicted supply chain operational metrics including the value at risk for the first product. | 2020-07-02 |
20200210948 | Remote Integration of Cloud Services and Transportable Perishable Products Active Monitor - Status of a payload and a shipping container is tracked and monitored by a tracking module which receives at least one signal from one or more sensors; determines a rate of change over time for the signal(s) and sensor(s); compares, in real-time, memory-stored rate-of-change thresholds corresponding to a payload type to the determined rate(s) of change; and, responsive to the comparison indicating a current or impending violation of a payload handling condition, powers up a wireless communications interface, communicates a digital report to a remote computing system, and powers down the wireless communications interface upon completion of the communicating of the report, while continuing to monitor the sensor(s). | 2020-07-02 |
20200210949 | Shipment Tracking Systems and Methods - Systems or methods include providing, by a server computer, a shipper application configured to store shipment related information and the shipper application configured to send shipment information to the server computer. The method includes, receiving, by the server computer, the shipment related information having one or more types of items, and a total number of items being shipped, generating a UI based on the total number and types of items to capture one or more shipper images of one or more items in a shipping package prior to the one or more items being shipped to a receiver, receiving, by the server computer, the shipper images, and providing a recipient application that is configured to capture one or more recipient images of the one or more items in the shipping package to capture the condition of the one or more items after being shipped to a recipient. | 2020-07-02 |
20200210950 | MANAGING NOTIFICATIONS OF A DELIVERY METHOD BASED ON AN ACTIVE DEVICE - Techniques for managing notifications may be described. In an example, the notifications may relate to an item and may be provided to a user device. An active device may be associated with the item. The active device may store a token for communication with a local area network associated with a location. Based on the communication, a determination may be made that the item may be in proximity to the location. Corresponding notifications may be sent to the user device. | 2020-07-02 |
20200210951 | BIOMETRIC AUTHENTICATION TO FACILITATE SHIPMENT PROCESSING - A user request associated with a first user and a shipment of one or more items is received. A prompt that the first user provide one or more biometric identifiers is provided. The prompt selectively excludes a request for billing information from the first user. At least partially in response to the providing of the prompt, at least a first biometric identifier of the first user is obtained. At least partially in response to the obtaining of the first biometric identifier of the first user, the billing information is automatically processed. Based at least in part on the automatically processing of the billing information, the user request associated with the shipment of the one or more items is completed. | 2020-07-02 |
20200210952 | TRANSPORTATION DATA LOGGING DEVICE AND ITEM TRANSPORTATION SYSTEM INCLUDING THE SAME - A transportation data logging device including one or more of: a sensing unit configured to sense at least one of internal state information of the accommodating body and external event information of the accommodating body; a memory unit configured to store information acquired through the sensing unit; a communication unit configured to transmit the information stored in the memory unit to an external electric device; a control unit configured to control operation of the sensing unit, the memory unit and the communication unit; and a power supply unit configured to supply power to the control unit. | 2020-07-02 |
20200210953 | Systems and methods for improving the liquidity and distribution network for illiquid items - Systems and methods that may provide speculators an opportunity to invest in items and markets that, in the past, were not liquid enough to allow for investment by the general public are provided. Systems and methods for creating indices for these items or markets are also provided. One embodiment of the systems and methods of the invention pertains to the trading of futures and/or options contracts based on an intellectual property assets index. This embodiment allows investors to invest in or hedge against the success of failure of a company's of group of companies' intellectual property assets. Another embodiment of the systems and methods of the invention pertains to the trading of futures and/or options contracts based on a bankruptcy index. This embodiment may provide investors with protection from losses associated with the bankruptcy of one or more companies. | 2020-07-02 |
20200210954 | Heterogeneous Data Management Methodology and System - A system for storing, interpreting, displaying, and processing heterogeneous data comprises a common data layer configured to manage and store abstracted data using a standard relational database, the common data layer comprises a template repository storing a plurality of data-logic templates and user data. The system further includes a data abstraction layer comprising rules for processing user data and handling a user-interface, an intelligence layer comprises context sensitive processing logic of user inputs and data from the data abstraction layer according to the data-logic templates, and a user interface layer configured to present the processed data and capture user inputs for the system. | 2020-07-02 |
20200210955 | AUTONOMOUS SUGGESTION OF ISSUE REQUEST CONTENT IN AN ISSUE TRACKING SYSTEM - An issue tracking system configured to determine similarity between issue content items (e.g., title, type, description, and the like). Based on a determined similarity satisfying a threshold and/or using a predictive model, the issue tracking system may provide a user with a suggested supplemental content item to be submitted to the issue tracking system. | 2020-07-02 |
20200210956 | ELECTRONIC REGISTERED MAIL METHODS, APPARATUS, AND SYSTEM - A method, apparatus, and system for providing electronic registered mail (“ERM”) are disclosed. An example apparatus includes an interface to receive, from a sender server, recipient information for creating ERM for sending to a recipient and ERM content for the ERM. The apparatus also includes a processor that creates an ERM notification message for the recipient by including a recipient name, a recipient physical address, and instructions for verification of the recipient, and transmits the ERM notification message to a recipient email address. The processor later receives verification information from a user device of the recipient, and compares the verification information to at least some of the recipient information. If the comparison is positive, the processor causes the ERM content to be provided to the recipient. However, if the comparison is negative, the processor prevents the ERM content from being provided to the recipient. | 2020-07-02 |
20200210957 | CLASSIFICATION OF JOB TITLES VIA MACHINE LEARNING - Method and apparatus are disclosed for classification of job titles via machine learning. An example system includes memory configured to store a convolutional neural network (CNN). The CNN includes a character-title partial-CNN, a word-title partial-CNN, a description CNN, and at least one fully-connected layer. The example system also includes one or more processors configured to apply the character-title partial-CNN to a title to generate a character-level feature, apply the word-title partial-CNN to the title to generate a first word-level feature, and apply the description partial-CNN to a description to generate a second word-level feature. The one or more processors are configured to generate a posting feature by concatenating the character-level feature, the first word-level feature, and the second word-level feature. The one or more processors are configured to determine a numeric representation of a classification for the title by applying the at least one fully-connected layer to the posting feature. | 2020-07-02 |
20200210958 | AUTOMATED INTERFACES WITH INTERACTIVE KEYWORDS BETWEEN EMPLOYMENT POSTINGS AND CANDIDATE PROFILES - Automated interfaces with interactive keywords between employment postings and candidate profiles are disclosed. An example system includes a profile database and one or more processors. The one or more processors are configured to identify one or more posting keywords by parsing extracted text of an employment posting, retrieve one or more posting search-terms from a search-term database based on the one or more posting keywords, and generate a list of candidates based on one or more candidate profiles retrieved from the profile database. Further, the one or more processors are configured to present, to the recruiter, an interface that includes a posting section and a candidate section adjacent to the posting section. Further, the one or more processors are configured to typographically emphasize the posting keywords that are associated with the posting search-terms to indicate relationships between the employment posting and the list of candidates. | 2020-07-02 |
20200210959 | METHODS AND SYSTEMS FOR OFFERRING SERVICE TIMES BASED ON USER PROFILE - Method and systems for scheduling tasks to field professionals include: receiving from a user a request for an on-site service; identifying, based on a schedule of a set of field professionals, a set of possible time slots for providing the on-site service; retrieving information indicative of an availability of the user to accept the on-site service; determining, based on the retrieved information indicative of an availability of the user, a subset of possible time slots for providing the on-site service; and proposing a time for providing the on-site service based on a time slot selected from the subset of possible time slots. | 2020-07-02 |
20200210960 | TASK EXECUTION ENGINE AND SYSTEM - Methods are disclosed for optimizing execution of tasks for users. A processing system including a processor detects a triggering condition for a transport task for transporting a subject from a first location to a second location via usage of an autonomous vehicle, establishes a negotiated task coordination plan between a user and a third party provider for performing the transport task, and executes the negotiated task coordination plan, wherein the executing causes the autonomous vehicle to travel between the first location and the second location for transporting the subject. | 2020-07-02 |
20200210961 | SYSTEMS AND METHODS FOR WORK CAPACITY PLANNING - Methods, apparatuses, and systems for scheduling tasks to field professionals include: receiving a set of requests reflecting demand for on-site services, wherein the set of requests is associated with a number of task types; receiving availability data indicative of an availability of a plurality of field professionals to perform on-site services; receiving skills data indicative of capabilities of each of the plurality of field professionals with respect to the task types; obtaining at least one desired scheduling weight for the number of task types; generating a schedule for the plurality of field professionals based on the demand for on-site services, the availability data, and the skills data; and wherein generating the schedule for the plurality of field professionals includes including a first task in the schedule when the first task conforms with the at least one desired scheduling weight and excluding a second task from the schedule when the second task does not conform with the at least one desired scheduling weight. | 2020-07-02 |
20200210962 | METHODS AND SYSTEMS FOR IDENTIFYING CAUSES FOR UNSCHEDULED TASKS - Methods, apparatuses, and systems for scheduling tasks to field professionals include: receiving a set of requests for services; scheduling a set of tasks based on scheduling constraints, wherein each task is expected to be completed within a period of time from when a corresponding request was received; determining a common cause why at least two requests were not scheduled with tasks expected to be completed within the period of time, wherein the common cause is associated with at least one of the scheduling constraints; and enabling reducing the number of future unscheduled tasks based on the determination. | 2020-07-02 |
20200210963 | METHODS AND SYSTEMS FOR APPOINTMENT BOOKING - Methods and systems for scheduling tasks for a two-route process for appointment booking include: receiving a request to book a new appointment for a service; outputting a first booking response for the request, wherein the first booking response is determined using a multi-route model, wherein the multi-route model is configured to determine booking responses in multiple different ways; and verifying the first booking response based on a second booking response determined using the multi-route model. | 2020-07-02 |
20200210964 | METHODS AND SYSTEMS FOR OFFERRING SERVICE TIMES BASED ON SYSTEM CONSIDERATION - Method and systems for scheduling tasks to field professionals include: receiving a request to book a new appointment for a service, wherein the service is expected to be completed within a time period; identifying a first possible time slot and a subsequent second possible time slot for the new appointment within the time period; calculating a first scheduling cost associated with the first possible time slot and a second scheduling cost associated with the second possible time slot; enabling selection of the second possible time slot when it is determined that both the first scheduling cost and the second scheduling cost are below a scheduling cost threshold; and outputting a no-available-time-slot notification when is determined that both the first scheduling cost and the second scheduling cost are above the scheduling cost threshold. | 2020-07-02 |
20200210965 | METHODS AND SYSTEMS FOR SELF-APPOINTMENT - Method and systems for scheduling tasks to field professionals include: receiving from a user a request for an on-site service associated with a location; transmitting to a field professional information reflecting an assignment to provide the on-site service; receiving an indication, while the field professional is at the location, that an additional visit is required to complete the on-site service; accessing a future schedule of the field professional to identify an available time slot; and providing a proposed time for the additional visit associated with the identified time slot. | 2020-07-02 |
20200210966 | Imaging Modality Maintenance Care Package Systems and Methods - Methods, apparatus, systems and articles of manufacture to provide an image modality maintenance care package are disclosed. An example apparatus includes a solution predictor to predict a solution for servicing an imaging device based on the at least one of an error code or an identified issue and information related to previous solutions corresponding to the at least one of the error code or the identified issue. The apparatus further includes a care package generator to generate a customized data structure corresponding to the solution, the customized data structure including automated solutions to service the imaging device. The apparatus further includes an interface to transmit, using a wireless communication, the customized data structure to at least one of the imaging device or a repair device connected to the imaging device and in response to the execution of the automated solutions by the imaging device, obtaining a response corresponding to the servicing of the imaging device using the repair device. The apparatus further includes an information updater to update at least one of the accessed information, the predicted solution, the relevant information, or a digital twin of the imaging device to update subsequent customized care package generation based on the response. | 2020-07-02 |
20200210967 | METHOD AND SYSTEM FOR RULE-BASED AUGMENTATION OF PERCEPTIONS - One embodiment can provide a system for augmenting perceptions of a machine sensing system. During operation, one or more sensors of the system can obtain sensory information associated with a physical system. The system can determine a state of a first component of the physical system based on the obtained sensory information; select, from a rule database, one or more logical rules associated with at least the first component; and augment a perception of the machine sensing system toward the physical system based on both the determined state of the first component and the selected one or more logical rules, thereby facilitating the machine sensing system to make a decision associated with the physical system. | 2020-07-02 |
20200210968 | SYSTEMS AND METHODS FOR OPTIMIZING MAINTENANCE PLANS IN THE PRESENCE OF SENSOR DATA - Systems and methods for generating a sensor driven optimized maintenance program are provided. A first maintenance plan for an apparatus type is received; the first maintenance plan defining maintenance tasks for the apparatus type and defining intervals at which the maintenance tasks are to be performed. Historical sensor data, historical scheduled maintenance data, and historical unscheduled maintenance data are received and correlated to determine a predictive value of the sensor data. One or more maintenance optimization objectives of an operator of an apparatus of the apparatus type are received, and the sensor driven optimized maintenance program is generated, based at least on the predictive value of the sensor data and the maintenance optimization objectives. The sensor driven optimized maintenance program includes an adjusted one of the defined intervals. | 2020-07-02 |
20200210969 | BICYCLE REPAIR SYSTEM - A bicycle repair system comprises an intelligent bicycle locking device, an intelligent toolbox, and a central processing unit. The intelligent bicycle locking device is connected to the central processing unit, and the intelligent toolbox is connected to the central processing unit. The intelligent bicycle locking device is configured to send an obtained first user information to the central processing unit. The intelligent toolbox is configured to send an obtained second user information to the central processing unit. The central processing unit is configured to determine whether the second user information is the same as the first user information and, if yes, send an opening instruction to the intelligent toolbox sending the second user information, so as to help a user to repair a damaged bicycle by using the intelligent toolbox, so that the bicycle can be repaired without depending on a repair person, thereby improving the repair efficiency. | 2020-07-02 |
20200210970 | MANAGEMENT APPARATUS AND MANAGEMENT METHOD THEREOF FOR ELECTRONIC EQUIPMENT - A management apparatus and a management method thereof for electronic equipment are provided. The management apparatus includes a detector, a display and a processor. The detector obtains a detected data related to the electronic equipment. The display presents information. The processor is coupled to the display and the detector. The processor is configured to perform the following steps. The electronic equipment is identified according to the detected data of the electronic equipment. The detected data includes an image of the electronic equipment. Electronic equipment information is obtained according to an identified result of the electronic equipment. The electronic equipment information may include specification information, asset information and/or operation configuration. The electronic equipment information may be displayed on the display. Accordingly, the operation for an on-site engineer would be improved. | 2020-07-02 |
20200210971 | SYSTEM AND METHOD FOR PROCESSING TRANSACTION RECORDS FOR USERS - A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction. | 2020-07-02 |
20200210972 | PAYMENT LINK - In one embodiment, an intended recipient of money transmits a payment link created by the recipient to an intended sender of money, where the link contains a locator to a site of a payment provider, information about the recipient (e.g., phone number), and the amount of money to be sent. The link can be sent via email, text, IM, or other means. The sender then accesses the link, such as by clicking or tapping on the link, which launches a checkout or payment page for the sender on the payment provider site. The sender completes the payment page, and the payment is sent to the recipient by the payment provider. | 2020-07-02 |
20200210973 | SYSTEMS AND METHODS FOR ALLOCATING RESOURCES VIA INFORMATION TECHNOLOGY INFRASTRUCTURE - A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits. | 2020-07-02 |
20200210974 | METHOD AND SYSTEM FOR OPTIMIZING SERVER USAGE IN REMOTE OPERATIONS RELATING TO USER ACCOUNTS - A method for reducing load on servers during remote operations involving user accounts. When remote operations are made, the operation acts, alone and only by itself, as an action both performing a financial transaction and providing eligibility to the incentive reward program, and each financial transaction also acts as a contribution to the reward program, thereby reducing user accounts entries necessary in an operation server, and reducing database entries when transactions are performed which would contribute to an eligibility to a reward program. The method includes: creating a table of transaction data with a unique time stamp; selecting those most cotemporal to a given time and ending with a cut off transaction; and providing refunds to the corresponding user accounts. Server usage from a distinct reward program is avoided as there is no need for additional user accounts entries, transaction entries and eventual catalogue purchases through the program. | 2020-07-02 |
20200210975 | Automatic Savings Program - A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person. | 2020-07-02 |
20200210976 | SERVICE REQUEST MESSAGING - A method includes receiving a message comprising a user identification code via a social media messaging channel. In addition, the method includes receiving geo-location information of the device transmitting the message. The method also includes verifying the user identification code by confirming that the geo-location information complies with stored expected geo-location information. The method also includes accessing data associated with a transaction account linked to the user identification code based on the content of the message. The method further includes transmitting a reply to the received message on the social media messaging channel. | 2020-07-02 |
20200210977 | METHODS AND SYSTEMS FOR A RELIABLE PAYMENT TRANSACTION - Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state. Upon determining the success state, the method further includes generating a successful connectivity information for performing the payment transaction. | 2020-07-02 |
20200210978 | Blockchain-Based Value Platform - A method of executing a blockchain platform includes providing, to be displayed on a client device, a virtual representation of a user, wherein the virtual representation comprises a plurality of graphical elements corresponding to a plurality of relationships of the user. The method further includes detecting, by a processing device of the blockchain platform, that a triggering event was performed. The method further includes, in response to detecting that the triggering event was performed, generating a blockchain token corresponding to the user. The method further includes receiving a request from the client device to redeem the blockchain token. The method further includes, in response to receiving the request, generating a new graphical element, representing the blockchain token, for the virtual representation of the user. The method further includes providing, to be displayed on the client device, an updated virtual representation including the new graphical element. | 2020-07-02 |
20200210979 | METHOD AND SYSTEM FOR PUBLIC TRANSPORTATION FARE CALCULATIONS BASED ON GEOLOCATION - A method for determining transportation fares includes: receiving a plurality of user data points for a user, wherein each user data point corresponds to a geographic location of a user including at least the geographic location and a timestamp; receiving a plurality of transport data points for each of a plurality of transportation vehicles, wherein each transport data point includes at least a geographic location of the respective transportation vehicle and a timestamp; identifying a specific transportation vehicle used by the user based on a correspondence between the geographic location and timestamp included in the plurality of user data points and the geographic location and timestamp included in the plurality of transport data points received for the specific transportation vehicle; determining a fare amount based on at least the identified specific transportation vehicle; and transmitting at least the determined fare amount. | 2020-07-02 |
20200210980 | SYSTEMS AND METHODS TO METER WHOLESALE ENERGY TRANSACTIONS USING RETAIL METER DATA - The present disclosure describes systems and methods for providing virtual wholesale metering in a population of utility resource consumers using interval data collected from retail utility meters. The systems and methods may be used for generating settlement quality metering data (SQMD), deriving the approximate interval data for a sub-population of customers, or improving the accuracy of interval data. | 2020-07-02 |
20200210981 | ANALYZING LAYOUTS USING SENSOR DATA - This disclosure describes, in part, techniques for analyzing sensor data to identify a bottleneck location within a physical establishment, and then providing a recommendation based on the bottleneck location. For instance, a payment service may analyze a layout of a physical establishment using sensor data representing movements of users within the physical establishment. Based on the analysis, the payment service can identify a location within the physical establishment in which movements of the users correspond to one another. For instance, the payment service can identify that the users are located at a similar location within the physical establishment at a given time period. The payment service can then generate and provide a message that indicates a location for moving an object such that users can utilize new routes through the physical establishment. | 2020-07-02 |
20200210982 | Fast Cart - The present invention involves using an advanced shopping cart, which enables customers to scan products to be purchased immediately upon selection before placing them in the cart, view the total, view the nutritional value of each product as it is scanned, and complete the transaction by means of self-checkout without standing in line. This advanced shopping cart acts as a client in a wireless network environment, which communicates with the server by means of a computer operating system. It may scan the products selected by the customer, display the cost of these products, and display the total cost of all these products. Products placed in the cart may be displayed on a graphic display. Upon the shopper's completion of product selection, the user may be prompted to proceed to a payment method that may accept debit or credit cards to complete the transaction. | 2020-07-02 |
20200210983 | Generating Online Share Slips with Clickable Web Links for Electronic Share Transfers for Preferentially Matched Members with E-Service Capabilities - A system and method for generating an online share slip with a clickable web link for a plurality of members of a peer-to-peer needs sharing community. A share preference group and a share amount are assigned to each of the plurality of members corresponding to the member's preferred method of sending an outbound share. The needs are assigned a needs preference group. The allocation component prioritizes the matching of shares with needs having a preference group. Preference groups can be an online e-payment service to effectuate the transfer of the funds to maximize the speed and efficiency of transfer shares for members in need. | 2020-07-02 |
20200210984 | SPLIT TRANSACTION PHYSICAL PAYMENT INSTRUMENT - Embodiments of systems and methods are provided for a split transaction payment instrument configured to automatically split transactions between a plurality of accounts. The split transaction payment instrument may interact with one or more other payment instruments. The split transaction payment instrument may, based on the interaction, accordingly identify that the transaction is a split transaction to a point of sale device and provide data identifying accounts associated with the split transaction payment instrument and the other payment instruments for splitting of the transaction. A service provider may receive transaction data associated with the transaction and process the transaction by accordingly splitting payment between the accounts. | 2020-07-02 |
20200210985 | CROSS-BORDER ACCOUNT SPLITTING METHOD BASED ON INTELLIGENT INTERNALLY-CONNECTED ELECTRONIC ACCOUNT, ACCOUNT SPLITTING PLATFORM, AND PAYMENT PLATFORM - A cross-border account splitting method based on an intelligent internally-connected electronic account, an account splitting platform, and a payment platform. The account splitting method comprises the steps of: receiving a registration request of a client and assigning and feeding back an intelligent internally-connected electronic account to the client; associating information items carried in the registration request, the intelligent internally-connected electronic account and etc, so as to form a mapping relationship; receiving a withdrawing request of the client, and determining a target intelligent internally-connected electronic account, a target store, a target bank account, a target overseas master account and a target domestic master account according to the information items carried in the withdrawing request and the mapping relationship; transferring a cross-border transaction amount of the target store to the target overseas master account, and entering a virtual transaction account equivalent to the cross-border transaction amount into the intelligent internally-connected electronic account; and computing an actual split amount according to the virtual transaction amount in the target intelligent internally-connected electronic account, and transferring the actual split amount to the target bank account by means of the target domestic master account, and resetting the target intelligent internally-connected electronic account. Merchants can withdraw from their cross-border transactions without creating accounts on counters of overseas branches of overseas banks. | 2020-07-02 |
20200210986 | Method and Mobile Application for an on-the-go Purchase via Secured Information Between Parties - A disclosed system for mobile purchasing between parties via a secured network includes a sending module to send a request to purchase (RTP) signal from a purchasing party to a vending party. The RTP signal includes a purchase request regarding the purchasing party received via the RTP signal at the vending party. The system additionally queries the vending parties to accept the purchase request. Alternatively, the vending parties present a query to the purchasing party for the purchasing party to accept. The system is also configured to determine a vector and an ETA between the purchasing party and the vending parties. The system additionally returns an enable to purchase (ETP) signal from the vending party to the purchasing party. The ETP is based on a positive response to the query by the purchasing party. The ETP signal includes secured data from the vector and ETA calculations and the purchase request. | 2020-07-02 |
20200210987 | CLOUD-BASED SYSTEMS AND METHODS FOR PROVIDING CONSUMER FINANCIAL DATA - Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer. | 2020-07-02 |
20200210988 | SYSTEM AND METHOD FOR AUTHENTICATION OF A MOBILE DEVICE - The security of a transaction conducted at a mobile device, using a one-time password to authenticate the mobile device user, is enhanced by requiring that the mobile device also be authenticated by providing a valid mobile device ID. A security server that provides the one-time password to the mobile device also provides a hyperlink that, when selected, causes a mobile device ID, such as an IMSI, to be retrieved from a SIM in the mobile device The retrieved mobile device ID is then sent to the security server. A database associated with the security server stores valid mobile device IDs, and compares the retrieved mobile device ID from the mobile device to the valid mobile device ID for that mobile device stored in the database. In alternative embodiments, the mobile device is authenticated without the use of a one-time password. In some cases the mobile device ID may be a phone number returned in an HTTP message header from the mobile device, and it is compared to a mobile device ID maintained by a bank or other entity managing the transaction. | 2020-07-02 |
20200210989 | ELECTRONIC PAYMENT DEVICE - The present specification provides an electronic payment device, including a console, where the console includes a housing and a speaker inside the housing, the housing comprises a first sidewall and a second sidewall that extends obliquely from the first sidewall and forms a covered space with the first sidewall, the covered space comprises a hollow space, and the speaker is disposed at an orientation that faces the hollow space. | 2020-07-02 |
20200210990 | INTELLIGENT DISPLAY OF LOCATION-SPECIFIC GRAPHICS BASED ON DEVICE METADATA - There are provided systems and methods for intelligent display of location-specific graphics based on device metadata. A device or a service provider may detect device metadata during data processing, which may be used to determine a specific graphical icon or emoji that can be utilized in messaging associated with the data processing. For example, during transaction processing, a device may be detected at a merchant location based on transaction metadata. The merchant location may have a specific emoji that may be utilized for the merchant location and in messages sent while associated with the merchant location and/or processing a transaction at the merchant location. The device or service provider may populate the emoji in an interface of the device in place of or with a standard emoji that can be utilized with the message. The emoji may be selectable when entering text of the message or replace entered text. | 2020-07-02 |
20200210991 | POINT OF SALE SYSTEM AND METHOD FOR CONTACTLESS PAYMENT - A point of sale system for contactless payment of products, including a payment processing unit for facilitating electronic payment of products based on payment-facilitating information received from a portable payment device, such as a contactless card is provided. The payment processing unit is connected to a plurality of antennas, each associated with a respective product and each configured to read payment-facilitating information from a portable payment device when the portable payment device is brought in the vicinity of the antenna. The payment processing unit is configured to, upon reading of payment-facilitating information by any of the antennas, receive the payment-facilitating information and identify a product to be paid for based on which of the plurality of antennas read the payment-facilitating information, and to facilitate a financial transaction comprising payment of the identified product using the payment-facilitating information. | 2020-07-02 |
20200210992 | ELECTRONIC IDENTIFICATION AND AUTHENTICATION SYSTEM - A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member. | 2020-07-02 |
20200210993 | SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD - A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card. | 2020-07-02 |
20200210994 | INTELLIGENT PAYMENT CARD CARRYING SYSTEMS AND METHODS - An intelligent payment card carrying system for monitoring the presence of a payment card includes a cardholder computing device and a payment card receptacle for receiving the payment card. The cardholder computing device includes a first transceiver for communicating with the payment card receptacle. The payment card receptacle includes a controller having a wireless communication device and a second transceiver. The second transceiver includes NFC-enabled circuitry. The controller communicates wirelessly with the cardholder computing device via the wireless communication device, and with the payment card via the second transceiver to transfer payment card data. | 2020-07-02 |
20200210995 | MULTI-CARD AND PAYMENT METHOD USING SAME - Provided is a multi-card and a payment method using the same, the multi-card including: a secure element for storing at least one payment card information in an applet form; an input unit including a plurality of buttons respectively matched with the card information; and a control unit for receiving, from a user terminal, and storing at least one membership card information and matching information with the input unit, wherein the secure element generates transaction response information including one membership card information and one payment card information activated according to a selection of the input unit. | 2020-07-02 |
20200210996 | SYSTEMS, METHODS, AND PLATFORMS FOR PROVIDING TRACKING THROUGH BLOCKCHAIN NETWORKS - A method of a reporting node including: storing a distributed blockchain ledger including a plurality of data records associated with respective processed transactions; receiving a first data packet corresponding to a first transaction, the first data packet including first customer identification data, a first transaction amount and a first transaction date and time; posting the first transaction to the ledger; receiving a second data packet corresponding to a second transaction, the second data packet including second customer identification data, a second transaction amount, and a second transaction date and time; posting the second transaction to the ledger; and responsive to determining that the first and second customer identification data correspond to a same customer and that the first and second transaction date and times are within a predetermined period of time, reporting the first and second transactions to a supervisor server. | 2020-07-02 |
20200210997 | PARENT LEVEL TOKEN ISSUANCE FOR ASYNCHRONOUS DATA PROCESSING BASED ON DEVICE TRUST LEVELS - There are provided systems and methods for parent level token issuance for asynchronous data processing based on device trust levels. Two devices may interact enough that they develop a trust rating between the two devices that the devices are trusted for transaction processing and resolution. In order to provide asynchronous transaction processing without requiring a token service provider or transaction processor, a parent level token may be issued to the devices by a token service provider based on the trust rating. The devices may receive child level tokens from the parent token, while the parent token is stored by the transaction processor. The child level tokens may allow the devices and transaction processor to trust the devices to process and resolve transaction processing without availing the token service provider for token issuance. | 2020-07-02 |
20200210998 | TRANSACTION PROCESSING SYSTEM AND METHOD ENABLING EXPANSION OF BLOCKCHAIN - A transaction processing system may include: a plurality of leaf chains including a first leaf chain and a second leaf chain, the first leaf chain and the second leaf chain including a first leaf chain manager contract and a second leaf chain manager contract, respectively; a root chain comprising a root chain manager contract for the root chain, a first leaf chain contract for the first leaf chain, and a second leaf chain contract for the second leaf chain; and at least one relayer located between the root chain and the plurality of leaf chains, and configured to process a remittance request from the first leaf chain to the second leaf chain. | 2020-07-02 |
20200210999 | System and Method for Settling a Payment Transaction Using Multiple Electronic Currencies - A system and method for converting electronic currencies may be implemented in a trade engine module on a mobile device. A merchant external wallet address is received from a merchant for assets of the merchant that have a respective value in an associated currency. The merchant can define allocation of payments to the merchant among the assets. Orders received from the merchant represent a transaction value in a fiat currency. The transaction value is divided into a plurality of allocations based on the allocation specified by the merchant. A conversion rate between the fiat currency and the currency of the asset associated with the allocation for each of the allocations is determined. Each of the allocations are converted from the fiat currency to the currency of the asset associated with the allocation based on the conversion rate. | 2020-07-02 |
20200211000 | BLOCKCHAIN NETWORK AND NODES FOR TRACKING DEVICE AS A SERVICE OPERATIONS - A blockchain network for tracking device as a service operation is disclosed. The blockchain network includes a plurality of peer nodes and each peer nodes further include a processor and a memory includes a smart contract that includes processor instructions that cause the processor to verify digital identity of users accessing the blockchain network and validate data shared by each user accessing the blockchain network. Processor instructions further cause the processor to automatically process an order associated with the request initiated by the initiator node for the device as a service and create a unique transaction ID associated with the order. Processor instructions cause the processor to update an order status associated with the order based on the unique ID, reconciliate fulfillment claims with an invoice associated with the order, and process payments associated with the order in response to the reconciliating. | 2020-07-02 |
20200211001 | SERVICE EXECUTION RESULT OBTAINING METHOD AND SYSTEM BASED ON BLOCKCHAIN - Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for obtaining a service execution result based on a blockchain. A direct service provider device accepts a service, and submits the service to an indirect service provider device for execution. The indirect service provider device can encapsulate a service execution result obtained by executing the service into a blockchain transaction, and submit the blockchain transaction to a blockchain network for storage. The direct service provider device can obtain the service execution result from the blockchain network as a basis for performing a service-associated operation subsequently. | 2020-07-02 |
20200211002 | SYSTEM AND METHOD FOR AUTHORIZATION TOKEN GENERATION AND TRANSACTION VALIDATION - A system, method, and apparatus are defined that increase data security by offering a frequently changing Authorization Token that includes user-modifiable criteria. Without validation of the Authorization Token, a personal identifier, such as a Social Security Number or account number, is not accepted as a means to transact business or release information. A single mechanism allows both authentication of the owner of a personal identifier and the owner's ability to specify whether and how its use is authorized. | 2020-07-02 |
20200211003 | SYSTEMS AND METHODS FOR AVOIDING OR REDUCING CRYPTOGRAPHICALLY STRANDED RESOURCES ON A BLOCKCHAIN NETWORK - There may be provided a computer-implemented method for use with a blockchain. The computer-implemented method includes: broadcasting a first deposit transaction configured to allow a first digital asset to be unlocked after a defined period of time through generation of a signature which is valid for a first public key and unlocked at any time through generation of a signature which is valid for a second public key; before expiration of the defined period of time, broadcasting a first funding transaction which encumbers a second digital asset with the first public key, the second public key and a third public key; and after expiration of the defined period of time, broadcasting a transaction unlocking the first digital asset with a signature which is valid for the first public key. | 2020-07-02 |
20200211004 | METHOD OF PERFORMING AUTHENTICATION FOR A TRANSACTION AND A SYSTEM THEREOF - There is provided a method of performing authentication for a transaction between first and second devices. The method includes: generating a first random number and encrypting it based on a first key of a first private-public key pair; sending the encrypted first random number to the server; receiving a transaction identifier for the transaction, the first random number and a second random number, wherein the transaction identifier, the first random number and the second random number are encrypted based on a first key of a second private-public key pair; decrypting the encrypted transaction identifier, the encrypted first random number and the encrypted second random number based on a second key of the second private-public key pair; and sending the transaction identifier, and the second random number to the second device for authenticating the first device for the transaction. There is also provided a corresponding device and system. | 2020-07-02 |
20200211005 | SYSTEM AND METHOD FOR TRACKING OF PROVENANCE AND FLOWS OF GOODS, SERVICES, AND PAYMENTS IN RESPONSIBLE SUPPLY CHAINS - A system and method for tracking the provenance of an item, service, and/or payment is provided. The system includes a transaction processing system for generating and recording a provenance transaction that includes information to track the provenance of an item, service, transformation, and/or payment; a blockchain interface for facilitating communication with a blockchain, the blockchain interface configured to store the provenance transaction on the blockchain and to retrieve the provenance transaction from the blockchain; and a search and provenance graph system for generating a directed graph to represent the provenance of an item, service, and/or payment using the provenance transaction stored on the blockchain. | 2020-07-02 |
20200211006 | SYSTEMS AND METHODS FOR ENHANCED DATA ROUTING BASED ON DATA PRIORITIZATION - An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system. | 2020-07-02 |
20200211007 | BLOCKCHAIN-BASED PRODUCT PURCHASE METHOD AND APPARATUS - One or more embodiments of this specification provide a computer-implemented method and apparatus for blockchain-based transactions. The method includes: receiving a target purchase transaction which comprises identification information of a purchaser user of a target product and a payment asset proof of the purchaser user; and invoking, based on the target purchase transaction, a first smart contract deployed on a blockchain to execute a purchase of the target product, and to distribute, to the purchaser user, the target product in a quantity corresponding to the payment asset proof. | 2020-07-02 |
20200211008 | SECURITY-ENHANCED WIRELESS COMMUNICATION APPARATUS - Disclosed is a security-enhanced wireless communication apparatus including: a memory divided into a plurality of security partitions; a security accelerator configured to provide a plurality of security algorithms; and a processor configured to controlling a plurality of security element adaptors, which provides security system call Application Programming Interfaces (APIs) respectively linked with independent security service applications, and a virtual machine, which enforces security policies with respect to the security system call APIs and provides an authority to use the security accelerator or an authority to access a corresponding security partition according to a corresponding security policy. Accordingly, a security solution specialized in multipurpose services may be provided using the virtual machine. | 2020-07-02 |
20200211009 | SYSTEM, METHODS AND COMPUTER PROGRAM PRODUCTS FOR IDENTITY AUTHENTICATION FOR ELECTRONIC PAYMENT TRANSACTIONS - The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server. | 2020-07-02 |
20200211010 | RESOURCE TRANSFER VERIFICATION METHOD AND APPARATUS, AND ELECTRONIC PAYMENT VERIFICATION METHOD AND APPARATUS - The present specification discloses a resource transfer verification method and apparatus, and an electronic payment verification method and apparatus. The method includes: receiving a resource transfer request that is sent by a resource transferor and that is used for requesting transfer of resources of the resource transferor are transferred to a resource transferee, further determining verification information used for indicating that the transfer succeeds after resources of the resource transferor are transferred to the resource transferee according to the resource transfer request, and transmitting a resource transfer result including the verification information to the resource transferor, so that the resource transferee can accurately determine, according to the verification information, whether the transfer is completed when the resource transferor shows the resource transferee the resource transfer result, thereby effectively avoiding the omission of the resource transfer. | 2020-07-02 |
20200211011 | Scalable Distributed Ledger System - Some embodiments of the present invention provide a method of recording transactions using a T | 2020-07-02 |
20200211012 | ELECTRONIC FRAMEWORK AND NETWORKED SYSTEM FOR VARIABLE CLASS DESIGNATIONS AND POLICIES - There are provided systems and methods for an electronic framework and networked system variable class designations and policies. An expense management service may be provided by a networked service provider, where the service provider's system may be integrated into a payment network so that the service provider may provide expense policy management for organizations. The service provider may establish user groups and expense policies, and associations between the two for the organization, as well as allow the organization to designate payment networks. The service provider may then exchange bank and accounting data with an organization, onboard the organization's employees, and receive payment network data between acquiring and issuing banks to control authorizations and expense managements with the issuing bank. The service provider may then approve or deny transaction based on variable class designations and expense policies. | 2020-07-02 |
20200211013 | INTELLIGENT RECOMMENDATIONS FOR DYNAMIC POLICIES USED IN REAL-TIME TRANSACTIONS - There are provided systems and methods for intelligent recommendations for dynamic policies used in real-time transactions. An expense management service may be provided by a networked service provider, where the service provider's system may be integrated into a payment network so that the service provider may provide expense policy management for organizations. The service provider may establish user groups and expense policies, and associations between the two for the organization, as well as allow the organization to designate payment networks. The service provider may then exchange bank and accounting data with an organization, onboard the organization's employees, and receive payment network data between acquiring and issuing banks to control authorizations and expense managements with the issuing bank. The service provider may then approve or deny transaction based on variable class designations and expense policies. | 2020-07-02 |
20200211014 | SECURITY ASPECTS OF A SELF-AUTHENTICATING CREDIT CARD - A self-authenticating credit card includes an input device for entering a PIN. The PIN is accepted by a micro-controller that uses the entered PIN as an encryption key for decrypting stored account information. A portion of the account information includes data, that when decrypted, contains an image that is rendered on an integral display, with account information sent to a transaction terminal. A timer is used to limit access to account data while in the unlocked state. | 2020-07-02 |
20200211015 | CONDUCTING SECURE RETAIL TRANSACTIONS USING A MOBILE WALLET SYSTEM - A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network. | 2020-07-02 |
20200211016 | SYSTEMS AND METHODS FACILITATING ACCOUNT ACCESS DELEGATION - System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user. | 2020-07-02 |
20200211017 | A SYSTEM FOR MANAGING CONFIDENTIAL INFORMATION DURING A TRANSACTION - The present invention is a system of providing a transaction to a person including an identity instrument, and a master database, wherein the identity instrument is issued to the person by the system under the authority of the prevailing government within a jurisdiction, and wherein the identity instrument is either virtual or physical or both, and wherein the transaction may be any governmental, commercial or charitable transaction, and wherein the master database maintains a record for each person issued with an identity instrument and when their identity instrument is used by the person, its use identifies that person's record within the master database and enables the system to retrieve the minimum amount of personal data relating to that person so that the particular transaction is able to proceed. | 2020-07-02 |
20200211018 | METHOD, APPARATUS AND ELECTRONIC DEVICE FOR BLOCKCHAIN TRANSACTIONS - A method for implementing blockchain-based transactions comprises: determining a transaction amount to be remitted from a remitter's blockchain account into a receiver's blockchain account, wherein a balance of the remitter's blockchain account comprises multiple reserve balances, and commitments of the reserve balances are recorded in a blockchain; selecting one or more of the reserve balances from the remitter's blockchain account, wherein the sum of the selected one or more reserve balances is not smaller than the transaction amount; and submitting to the blockchain a transaction comprising an identification of each of the selected one or more reserve balances and a commitment of the transaction amount, for the selected one or more reserve balances to be removed from the remitter's blockchain account and the transaction amount to be added to the receiver's blockchain account. | 2020-07-02 |
20200211019 | SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS - A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests are received, originating from a plurality of merchants, and at least one data structure is generated. The data structure sorts the scored authorization requests into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs. | 2020-07-02 |
20200211020 | SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS - A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests are received, originating from a plurality of merchants, and data structures for each of a plurality of merchant groups are generated. Each data structure sorts the scored authorization requests into fraud score range stripes. The data structures are parsed over a plurality of time periods, and at least one cumulative metric is calculated for each merchant group for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined for each merchant group, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs. | 2020-07-02 |
20200211021 | SYSTEMS AND METHODS FOR EARLY DETECTION OF NETWORK FRAUD EVENTS - A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure. | 2020-07-02 |
20200211022 | SYSTEMS AND METHODS FOR INCORPORATING BREACH VELOCITIES INTO FRAUD SCORING MODELS - A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards. | 2020-07-02 |
20200211023 | System, Method, and Computer Program Product for Authenticating a Transaction - Provided is a computer-implemented method for authenticating a transaction. The method includes associating, in at least one database, a plurality of voice identifiers with a plurality of users, each voice identifier of the plurality of voice identifiers corresponding to a user having at least one account identifier, receiving audio data comprising a spoken voice identifier, determining a detected voice identifier from the plurality of voice identifiers in the at least one database, the detected voice identifier matching the spoken voice identifier, determining a user from the plurality of users based at least partially on the detected voice identifier, in response to determining the user of the plurality of users, communicating a notification to a device associated with the user, the notification comprising transaction data associated with the transaction, and in response to receiving an authentication signal from the device associated with the user, conducting the transaction. | 2020-07-02 |
20200211024 | BLOCKCHAIN-BASED RECORDKEEPING METHOD AND APPARATUS - One or more embodiments of the application provide a method and apparatus for blockchain-based recordkeeping, which are applicable to a self-service vending terminal. The self-service vending terminal is a node of a blockchain. The method includes: obtaining first record information, wherein the first record information is generated based on identification information of a target buyer; receiving second record information, wherein the second record information is generated based on purchase live stream data associated with the target buyer; generating a target transaction based on the first record information and the second record information; and sending the target transaction to a distributed database of a blockchain, for the target transaction to be recorded in the distributed database of the blockchain in response to the target transaction being verified by nodes of the blockchain based on a consensus. | 2020-07-02 |
20200211025 | AUGMENTED REALITY-BASED VIRTUAL OBJECT ALLOCATION METHOD AND APPARATUS - Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for augmented, reality-based, virtual object allocation. One computer-implemented method includes performing face recognition on a scanned image, comprising performing image scanning of a user using a client device to generate the scanned image. An electronic certificate used to obtain virtual objects and sent by a server is received at the client device when one or more facial features are recognized from the scanned image. The electronic certificate is locally stored as a locally stored electronic certificate. Whether a number of types of locally stored electronic certificates reaches a predetermined threshold is determined. If the number of types of locally stored electronic certificates reaches the predetermined threshold, a virtual object allocation request for obtaining virtual objects is sent by the client device and to the server, where the virtual object allocation request specifies the locally stored electronic certificates. | 2020-07-02 |
20200211026 | USER AUTHORIZATION SYSTEM FOR TRANSACTIONS - A system and method for obtaining user approval for transactions. The system includes an authorization system that is communicably coupled to one or more transaction computer systems that execute at least some transactions that require user approval. When a transaction system is seeking to execute a transaction that requires user approval, the transaction system sends a user approval request to the authorization system. The authorization system then retrieves the user's communication preference from a database and transmits an affirmatively actionable message to the user according to the retrieved communication preference. The messages can include an email with an approval link to click or a text message that the can be replied to. When the authorization system receives confirmation from the user that the user approves the request, the authorization system then transmits approval for the transaction to the appropriate transaction system, which then proceeds to execute the transaction. | 2020-07-02 |
20200211027 | BUSINESS RULES PROCESSING FRAMEWORK - A framework for developing telecommunication applications for managing user profiles is described. The framework comprises a number of interacting micro services. | 2020-07-02 |
20200211028 | PAYMENT CONTROL SYSTEM - The present invention provides a system for operably adapting a tiered level of protection for an owner or authorized user of a document or privilege by incorporating a confirmation process that proactively prevents any secondary access to items of value. | 2020-07-02 |
20200211029 | METHODS AND SYSTEMS FOR PROCESSING CUSTOMER INQUIRIES - Embodiments of the disclosure provide methods and systems for generating a customer inquiry processing model for processing customer inquiries. The method includes obtaining a conversation log comprising a plurality of conversation entries associated with a conversation between a customer and an agent. The method also includes identifying, from the conversation entries, a slot of key information and determining that the identified slot relates to an application program interface (API) call. The method also includes obtaining an API log comprising a plurality of API calls associated with the conversation, and identifying an API call from the API calls included in the API call log based on the identified slot. The method further includes associating the identified slot with the corresponding API call and generating a customer inquiry processing model for processing a customer inquiry based on information relating to the identified slot and the corresponding API call. | 2020-07-02 |
20200211030 | METHODS AND SYSTEMS FOR PROCESSING CUSTOMER INQUIRIES - Embodiments of the disclosure provide a method and system for processing a customer inquiry. The method includes obtaining multiple conversations. Each of the conversations includes multiple conversation entries associated with the conversation. The method also includes, for each of the conversations, generating a directed path from a start to an end of the historical conversation. The directed path includes multiple edges and vertices. Each of the edges represents a conversation entry or an API call associated with the conversation, and each of the vertices represents a state of the conversation. The method further includes generating a directed graph based on the generated directed paths and determining an optimized directed path based on the directed graph. The method also includes receiving a customer inquiry from a user device associated with a customer, and generating a response based on the optimized directed path. | 2020-07-02 |
20200211031 | SYSTEM AND METHOD FOR AUTOMATED PROCESSING OF APPLICATIONS - A system for transferring user information to an institution for application purposes is provided, comprising the steps of storing a plurality of information templates corresponding to application forms, permitting access to the system by a user upon authentication, accepting a user selection of an application form, applying a template including data fields corresponding to personal information to be provided, retrieving user personal information corresponding to the data fields from a user local data storage, checking the retrieved user personal information for consistency with the data fields, populating the application form with the user personal information, providing the populated application form to the user for approval, and submitting the populated application form to the institution, wherein the personal information in the user local data storage includes multiple forms of biometric information, and wherein the user local data storage is controlled by the user. | 2020-07-02 |
20200211032 | TAMPERPROOF, COUNTERFEITING RESISTANT PRODUCT LABEL - A tamperproof, counterfeiting resistant security label is envisaged. The security label includes a base layer, an adhesive layer applied atop the base layer, and a face stock positioned above the adhesive layer. The face stock essentially includes at least one scannable security element disposed thereon. The security element comprises an indicium positioned within the periphery of the face stock. The indicium is oriented with reference to the positioning of an invisible reference point situated within the periphery of the security label. The reference point, given its programmatic conceptualization and positioning is rendered invisible to naked human eye as well as to conventional scanning devices which have not been specifically pre-programmed to scan and identify otherwise invisible reference points. Positioning of the reference point and the positioning of the indicium put together forms a non-apparent, signature unique to the security label. | 2020-07-02 |
20200211033 | NEUROLOGICAL PROFILES FOR MARKET MATCHING AND STIMULUS PRESENTATION - A neurological profile associated with introversion/extroversion levels, simultaneous visual element processing capability, and/or dynamism processing capability, etc., is determined to select market categories and stimulus material targeted to the particular neurological profile. The neurological profile is determined using information such as user input, user activity, social and environmental factors, genetic and developmental factors, and/or neuro-response data. The neurological profile can be matched with corresponding neurological profile templates to select market categories and stimulus material. | 2020-07-02 |
20200211034 | AUTOMATICALLY ESTABLISHING TARGETING CRITERIA BASED ON SEED ENTITIES - Technologies for identifying and recommending dimension values for a content delivery campaign are provided. Disclosed techniques include receiving, from a content provider, input that selects one or more entities. In response to receiving the input, a plurality of dimension values are identified from each of the one or more entities. Dimension values may represent attributes associated with entities. A set of dimension values for recommendation may be identified from the plurality of dimension values previously identified. The set of dimension values for recommendation may be presented to the content provider for the purpose of generating a content delivery campaign based upon the recommended set of dimension values. | 2020-07-02 |
20200211035 | LEARNING SYSTEM FOR CURING USER ENGAGEMENT - Disclosed are methods and systems for generating cure actions for improving a level of user engagement of a network. In some aspects, a method includes identifying network interaction relationships among a plurality of accounts of a computer network based on communication flows among the accounts, and tracking a level of engagement health of each of the accounts based on the interaction relationships over time. For each of the accounts, a determination is made as to whether the tracked level of engagement health meets a threshold requirement. For an account having a level of engagement health not meeting the threshold requirement, a cure action is selected based on one or more rules relating the tracked level of engagement health of the account to one or more predefined criteria. The cure action is then applied to the account. | 2020-07-02 |
20200211036 | METHOD AND SYSTEM FOR MACHINE LEARNING BASED ITEM MATCHING BY CONSIDERING USER MINDSET - Existing approaches for item matching that are used for retail strategies are based on similarity matching, however, do not consider user mindset, magnitude present across quantitative AVs and segment specific customer interest on certain qualitative AVs. Embodiments of the present disclosure provide a method and system for Machine Learning (ML) based item matching by considering user mindset, magnitude present across quantitative AVs and segment specific customer interest on certain qualitative AV. The item matching approach disclosed, performs data analytics at the AV level to identify possible close matching items from the list of available partially matching as well as non-matching items. The method disclosed primarily performs Attribute (AT) enrichment by quantizing all the qualitative AVs to be analyzed. Weights are assigned to all the quantized AVs based on a Demand Transfer (DT) value provided by a Customer Decision Tree (CDT), wherein the CDT captures the user mindset. | 2020-07-02 |
20200211037 | SYSTEM AND METHOD FOR PRODUCT DEMAND TRANSFER ESTIMATION THROUGH MACHINE LEARNING - This disclosure relates to a system and method to estimate demand transfer of a product while considering performance of all the products of a category simultaneously. It would be appreciated that the demand of a removed product transfers to other products of same category in a store. In addition the demand transfer is influenced by sales drivers such as product level promotion and competitor prices, store location, weather and seasonality. By considering these factors the proposed approach provides a method to estimate demand transfer of a product. It is addressed by creating multivariate multi structure machine learning models and estimating demand transfer values by using suitable scenario generator for product availability. It enables to estimate more holistic demand transfer values by simultaneous consideration of individual product behaviours with respect to other products availability and other sales drivers. | 2020-07-02 |
20200211038 | STORE VISIT DATA CREATION AND MANAGEMENT - A method includes receiving, at a user device, a plurality of signals pushed to the user device from a plurality of store devices located in a plurality of physical storefronts. Each signal includes a store identifier identifying the associated physical storefront. Store visit data is generated for each signal, the store visit data including the store identifiers and time data representing times associated with visits to the physical storefronts. Store visit data is aggregated for the plurality of signals pushed to the user device. Aggregated store visit data is transmitted to an analytics server configured to combine aggregated store visit data from a plurality of user devices and generate analytics data from the combined aggregated store visit data. At least a portion of the time data is removed from the aggregated store visit data before transmission to the analytics server. | 2020-07-02 |
20200211039 | Reinforcement Machine Learning For Personalized Intelligent Alerting - Embodiments of the present invention relate to providing intelligent alerting and automation for marketing analytics software. In implementation, intelligent alerting is initiated by a user, which enables deep learning models to analyze various data patterns. Intelligent alerting learns about preferences and data consumption patterns of the user with marketing analytics software. Intelligent alerting also accounts for and learns from any manually created alerts set up by the user and/or alerts created automatically by anomaly detection. Intelligent alerting analyzes all other users within the organization of the user to find similar users based on their consumption patterns. An on-demand game may be provided to the user to determine the criticality of one metric change over another. This enables intelligent alerting to automatically provide alerts which pass a critical threshold of importance to the user and context to help the user understand why a metric changes in a significant way. | 2020-07-02 |
20200211040 | METHOD OF DETERMINING THE COST OF IMPLEMENTING A PRICING STRATEGY FORMED BY CHANGEABLE BUSINESS RULES - The present invention relates to a computer implemented method of determining the cost of implementing a pricing strategy, the pricing strategy formed by changeable business rules which engender algorithmic constraints, impacting optimized business metrics. The computer implemented method comprising the steps of defining a cohort of at least one of a boundary constrained shelf space and associating with each of the boundary constrained shelf space, in the cohort, a product mix, and a product mix ranking. The computer implemented method continues by using a data processing device to develop, through algorithmic autonomous learning, achievable MEMBER OPTIMAL SALES REVENUE AMOUNT performance absent pricing strategy business rules and MEMBER OPPORTUNITY PRICING STRATEGY SALES REVENUE AMOUNT inclusive of pricing strategy business rules. The OPPORTUNITY PRICING STRATEGY COST is then determined as the difference between the TOTAL MEMBER OPTIMAL SALES REVENUE AMOUNT and the TOTAL MEMBER OPPORTUNITY PRICING STRATEGY SALES REVENUE AMOUNT. | 2020-07-02 |