30th week of 2020 patent applcation highlights part 50 |
Patent application number | Title | Published |
20200234252 | Methods and Systems to Provide Packages of Repair Information based on Component Identifiers - A computing system could have access to mapping data that maps each of a plurality of procedures to respective component identifier(s) used in collision-repair estimates, each procedure including information for repair of vehicle component(s) represented by the respective component identifier(s). Given this, the computing system could instruct a display device to display a visual identifier of a particular collision-repair estimate, could receive input indicative of selection of the visual identifier, and could responsively instruct the display device to display visual indicators representative of vehicle component(s) associated with the particular collision-repair estimate. Moreover, the computing system could receive input indicative of selection of one or more of the visual indicators representative of selected vehicle component(s), and could responsively determine, according to the mapping data, particular procedure(s) based on component identifier(s) representative of the selected vehicle component(s). The computing system could then provide an output based on the particular procedure(s). | 2020-07-23 |
20200234253 | PREVENTIVE MAINTENANCE SYSTEM OF MACHINE TOOL - A preventive maintenance system of a machine tool capable of making determination of presence of an abnormality mechanically and automatically, which has conventionally been performed on the basis of the feeling of an operator and detecting an abnormality more accurately in an earlier stage is provided. The preventive maintenance system includes: a vibration detection unit attached to a mechanism of a machine tool to detect vibration; a sound detection unit that detects acoustic waves produced when a work is machined by the machine tool; a servo motor current value detection unit that detects a current value of a servo motor; an abnormality determination unit that compares the vibration, the acoustic waves, and the current value of the servo motor during operation of the machine tool with vibration data, acoustic wave data, and current value data in a normal state set in advance to determine presence of an abnormality in the mechanism of the machine tool; and a detection start/end command setting unit that adds commands for a detection start point and a detection end point of at least one of the vibration, the acoustic waves, and the current value of the servo motor to a machining program. | 2020-07-23 |
20200234254 | Method and Apparatus for Conducting Secure Financial and Informational Transactions via Portable Smart Devices - A technique for conducting secure financial and informational transactions via portable smart devices is disclosed, in which two transaction devices, e.g. an ATM and a smartphone or other smart connected device are both substantially simultaneously accessible by the user and are both independently connected with the account server by a secure connection between the transaction device for the ATM and a secure connection between the smartphone and a cellphone tower. Thus, authentication is provided by secure login on the two devices, i.e. the transaction device and the cellphone. Once the devices are both connected to the account server, handshaking between the two devices to confirm pairing of the right two devices is prompted, at which point, a transaction may proceed. | 2020-07-23 |
20200234255 | WI-FI MANAGEMENT AND MONETIZATION SYSTEM AND METHOD - A system for monetizing an Internet connection comprises a router communicably coupled with the Internet for receiving a request from a client computing device to connect to the router for Internet access and redirecting to a first URL, a hosting server for serving a page that includes ads and an Internet connection confirmation widget that redirects to a second URL, an Internet connection management server configured for: serving pages to the client computing device providing the following options: 1) a free session of access to the Internet without requiring the client user to provide identifying information, 2) a paid session of access to the Internet, and 3) a paid voucher session of access to the Internet without requiring the client user to provide identifying information, and granting access to the Internet to the client computing device, according to the option selected by the client user via the pages. | 2020-07-23 |
20200234256 | Techniques to Link Transactions with Cryptocurrency Payments - Methods, systems, and devices for cryptocurrency transactions are described. An index value associated with a transaction for goods or services may be included in a block chain entry of a cryptocurrency transaction. The index value may be embedded in a field of information already present in the block chain entry. Upon receiving a cryptocurrency payment a transaction component may be configured to use the index value to link the transaction for goods or services with the cryptocurrency payment. | 2020-07-23 |
20200234257 | METHOD AND SYSTEM FOR A FAILSAFE MECHANISM FOR BLOCKCHAIN WALLETS - A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating. | 2020-07-23 |
20200234258 | CONTACTLESS MESSAGE TRANSMISSION - A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards. | 2020-07-23 |
20200234259 | PAYMENT MANAGING METHOD - A payment managing method includes: a process in which, when a transaction with a marketing site is performed by operating a terminal machine, bill information including a payment amount due to the transaction with the marketing site is informed to the terminal machine; a process in which the terminal machine having received the notification displays an approval confirmation screen which causes an approval of the payout amount to function as a deposition of the payment amount between the financial institution system and the payment manager; and a process in which a payment manager notifies the completion of deposition of the marketing site when a settlement by deposition of the payment amount is executed as a result of the approval at the terminal machine. | 2020-07-23 |
20200234260 | SYSTEMS AND METHODS FOR TRANSLATING A GESTURE TO INITIATE A FINANCIAL TRANSACTION - Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction. | 2020-07-23 |
20200234261 | METHOD FOR RETAIL ON-LINE ACCOUNT OPENING WITH EARLY WARNING METHODOLOGY - A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution. | 2020-07-23 |
20200234262 | PURCHASE SUPPORT DEVICE AND STORE SYSTEM INCLUDING THE SAME - A purchase support device includes a communication section configured to communicate with an information terminal to receive purchaser identification information, data related to commodities to be purchased, and a settlement declaration that indicates whether or not settlement of the commodities to be purchased has initiated, a first memory region in which the purchaser identification information is stored in association with terminal identification information, a second memory region in which data related to the commodities to be purchased is stored in association with the purchaser identification information, and a processor. The processor is configured to issue, upon determining that the settlement declaration indicates that the settlement of commodities to be purchased has initiated, a disabling command through the communication section to another information terminal, wherein the disabling command causes said another information terminal to disable acceptance of additional data related to commodities to be purchased. | 2020-07-23 |
20200234263 | Method of Selling Items through a Multi-sided Vending Machine and Related Device - A multi-sided vending machine uses multiple sides of the multi-sided vending machine for selling items. The multi-sided vending machine contains a product storage compartment storing items for sale, a plurality of displays, a plurality of money acceptors, and a plurality of dispensing slots for selling items on different sides of the multi-sided vending machine. A controller of the multi-sided vending machine operates a motor that turns a rotatable ramp toward any of the different sides of the multi-sided vending machine. When a selected item is purchased from a selected side of the multi-sided vending machine, the controller controls the product storage compartment to release the selected item, and controls the motor to turn the rotatable ramp toward the selected side for guiding the selected item to the dispensing slot on the selected side. | 2020-07-23 |
20200234264 | MULTI-USE NEAR FIELD COMMUNICATION FRONT END ON A POINT OF SALE SYSTEM - Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna. | 2020-07-23 |
20200234265 | COMMODITY REGISTRATION APPARATUS AND METHOD - A commodity registration apparatus includes a check-in terminal, a sensor group, and a management terminal. A processor of the management terminal is configured to track movement of a shopper and store items using the sensor group. A first commodity list is updated to include a first item when the tracked movements indicate the known shopper has selected the first item for purchase. The movements of any unidentified shopper are tracked. The processor updates a second commodity list to include a second item when tracked movements indicate the unidentified shopper has selected the second item for purchase. The second commodity list is associated with a provisional identification code. Commodity registration data for settlement processing is generated using the first commodity list unless the unidentified shopper is later identified as the known shopper, in which case, commodity registration data is generated using the first and second commodity lists in combination. | 2020-07-23 |
20200234266 | SALES DATA PROCESSING APPARATUS AND PROGRAM - A sales data processing apparatus includes a housing section configured to house a container for at least one commodity, a settlement section configured to perform settlement processing based on tag information related to the at least one commodity read from a wireless tag attached to the at least one commodity in the container in the housing section, and a marking section configured to mark, upon completion of the settlement processing, the container to indicate completion of the settlement processing. | 2020-07-23 |
20200234267 | Encrypted Transaction Receipts - Examples disclosed herein relate encrypted transaction receipts. An example device includes a transaction information cache to store unencrypted transaction information from a vendor. The device may include an encrypter that converts the transaction information into an encrypted receipt based on a first vendor key of an asymmetric key pair and a customer passcode, wherein the encrypted receipt decodes to plain text of the unencrypted transaction information with a second vendor key of the asymmetric key pair and the customer passcode. The device may include an encrypted receipt transmitter to transfer the encrypted receipt. | 2020-07-23 |
20200234268 | SYSTEMS AND METHODS FOR RECOMMENDING FINANCIAL INSTRUMENTS - A method and system for recommending financial instruments in a payment processing network are provided. A purchase recommender computing device is programmed to receive a payment request including a user identifier associated with a user profile for a user, wherein the payment request is generated in response to a wallet system initiating the payment transaction, retrieve, from an instrument management computing device, a financial instrument portfolio associated with the user profile, the financial instrument portfolio including data regarding a plurality of financial instruments available for the user to use in relation to the payment transaction, determine a recommended financial instrument for the payment transaction, determine a final financial instrument based on the recommended financial instrument, generate a modified payment request by updating the payment request to include the final financial instrument, and transmit the modified payment request for the payment transaction. | 2020-07-23 |
20200234269 | SYSTEMS AND METHODS FOR A PAYMENT CARD WITH MULTIPLE FUNDING SOURCES - A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account. The cardholder inputs a second PIN associated with the second payment account and a second payment authorization request message for approval of the single-swipe transaction is transmitted. | 2020-07-23 |
20200234270 | Selecting a Preferred Payment Instrument - Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction. | 2020-07-23 |
20200234271 | SYSTEMS AND METHODS FOR TONE TO TOKEN TELECOMMUNICATIONS PLATFORM - Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system. | 2020-07-23 |
20200234272 | HANDS-FREE PROCESSING WITH A CONFIRMATION REQUEST - An application on a user computing device receives a beacon identifier from a service computing device, generates a first service request token, and transmits the first service request token to the service computing device. The application on the user computing device transmits a first communication comprising the first service request token, an account identifier, and the beacon identifier to a service request processing system. The service request processing system receives, from a service computing device, a request comprising the first service request token and the service request data. The service request processing system determines that the service request exceeds a configured service request limit, communicates, to the application on the user computing device, a request for an authorization of the service request, and receives an authorization for the service request from the application on the user computing device, and processes the service request in response to receiving the authorization. | 2020-07-23 |
20200234273 | METHOD AND SYSTEM FOR ENABLING A PAYMENT - A method of enabling a payment between a payor using a mobile device and one of a plurality of payees using respective payee devices, comprising: monitoring a first communication channel for receipt of a broadcast of a first identifier corresponding to one of the plurality of payee devices; upon receipt of the first identifier, generating an identifier notification comprising the first identifier and a second identifier corresponding to the mobile device, and transmitting the identifier notification from the mobile device to a payment processor over a second communication channel; in response to receipt of the identifier notification transmitted from the mobile device at the payment processor, associating the second identifier of the identifier notification with the first identifier of the identifier notification in a payment processor memory of the payment processor; generating a payment request comprising the second identifier, and transmitting the payment request from the mobile device to the payment processor; in response to receipt of the payment request transmitted from the mobile device, generating a payment notification in respect of the payment request, and transmitting the payment notification from the payment processor to the payee device corresponding to the first identifier associated with the second identifier | 2020-07-23 |
20200234274 | METHODS FOR LOCATING AN ANTENNA WITHIN AN ELECTRONIC DEVICE - A method of determining a proximity of an antenna located in a payment instrument to an antenna located within an electronic device may include receiving, at the antenna located within the electronic device, a first signal from the antenna located in the payment instrument, the first signal received at a first time, receiving, at the antenna located within an electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time, the second time being later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on a display of the electronic device, an indication based on the determination. | 2020-07-23 |
20200234275 | User Interface Display Method And Terminal Device - A solution for compatibility between TUI display and Android display is provided. Based on a native control provided by a rich operating system, a customized secure control is further added, thereby simplifying TUI development. Further, the rich operating system performs drawing processing on a native control in a user interface, synchronizes a non-secure surface obtained after processing to a frame buffer of a trusted operating system on a TEE side, and transfers identified information about a secure control in the user interface to the trusted operating system on the TEE side. The trusted operating system processes drawing processing on the secure control based on the information about the secure control and a customization method corresponding to the secure control, composites a secure surface and the non-secure surface that are obtained after processing, and then displays a composited surface by using a display. | 2020-07-23 |
20200234276 | TRANSPORTATION VEHICLE AUDIBLE TRANSACTIONAL SECURITY AUTHENTICATION - Devices, systems, and methodologies for transportation vehicle communications using sound devices to communicate embedded communication signals with other infrastructure. A communication system may communicate with the sound devices to provide communication signals. | 2020-07-23 |
20200234277 | SYSTEMS AND METHODS FOR PROCESSING ENCODED SYMBOLS TO FACILITATE SECURED COMMUNICATION BETWEEN DATABASE SYSTEMS OF TWO ENTITIES AND TO UPDATE DATABASE TUPLES ASSOCIATED WITH THE DATABASE SYSTEMS - Systems and methods for processing encoded symbols to facilitate secured communication between a mobile device and one or more database systems is provided. Communication between the mobile device and the database systems is performed to update database tuples in the database systems based on processing of the encoded symbols. The encoded symbols may correspond to QR codes and updating database systems may include administering quick response (QR) code-enabled payment transactions. | 2020-07-23 |
20200234278 | AUGMENTED REALITY DEPOSIT ADDRESS VERIFICATION - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for deposit address verification. One method includes receiving a request for the provisioning of an address for depositing digital assets to an account; determining a deposit address attached to the account; forwarding data representing the determined deposit address to a first user device comprising a display for displaying a visual code that encodes the determined deposit address, and to a second user device comprising a camera and an application that displays an image of the visual code overlaid on a live video feed from the second user device camera, wherein when a user directs the second user device camera at the first user device display the visual code on the first user device display can be aligned with the image of the visual code on the live video feed on the second user device. | 2020-07-23 |
20200234279 | ELECTRONIC DEVICE INCLUDING COIL - A portable communication device is provided. The portable communication device includes near field communication (NFC) circuitry; wireless charging circuitry; magnetic secure transmission (MST) circuitry; a flexible printed circuit board (FPCB) including a first substrate layer and a second substrate layer; an NFC coil electrically connected with the NFC circuitry, the NFC coil including a first portion formed on the first substrate layer and a second portion formed on the second substrate layer; a wireless charging coil electrically connected with the wireless charging circuitry the wireless charging coil including a third portion formed on the first substrate layer and a fourth portion formed on the second substrate layer; and an MST coil electrically connected with the MST circuitry, the MST coil including a fifth portion formed on the first substrate layer and a sixth portion formed on the second substrate layer. | 2020-07-23 |
20200234280 | SYSTEMS AND METHODS FOR MANAGING AN ACCOUNT - An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate. | 2020-07-23 |
20200234281 | DYNAMIC TRANSACTION CARD PROTECTED BY GESTURE AND VOICE RECOGNITION - A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another, is disclosed. The dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The dynamic transaction card may be activated by authenticating the card user through user authentication input recognition, which may be gesture and/or voice recognition processing. | 2020-07-23 |
20200234282 | METHOD AND SYSTEM FOR LOADING RELOADABLE CARDS - A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM. | 2020-07-23 |
20200234283 | SECURE CREDENTIAL STORAGE AND RETRIEVAL - Techniques are disclosed relating to securely receiving and storing credentials. In some embodiments, a computing device includes an application executable to supply a credential to an external system. A secure circuit of the computing device is configured to send, to a credential storage, a request for the credential, the request including a first certificate identifying a first public key and a stipulation to perform a user authentication before permitting use of a first private key corresponding to the first public key. The secure circuit receives, from the credential storage, the credential encrypted using the first public key and, based on the stipulation, performs the user authentication prior to decrypting the credential and supplying it to the application. In some embodiments, the secure circuit receives the first certificate by providing information about hardware included in the computing device to a hardware verification service. | 2020-07-23 |
20200234284 | METHOD FOR TRANSMITTING DATA TO A MAGNETIC READING HEAD, METHOD FOR PROCESSING RECEIVED DATA, CORRESPONDING PAYMENT TERMINAL AND PROGRAM - A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data. | 2020-07-23 |
20200234285 | Offline Interception-Free Interaction with a Cryptocurrency Network Using a Network-Disabled Device - The invention relates to a method for the fully offline interception-free interaction with a cryptocurrency network using a network-disabled device, the method comprises: generating a by the cryptocurrency network acceptable cryptographic key pair on the network-disabled device, from one or more seeds; wherein one or more of the seeds used for the generation of a cryptographic key-pair, are generated using one or more environmental sensors, biometric sensors, or a combination thereof. | 2020-07-23 |
20200234286 | APPARATUS AND METHOD FOR ENABLING ASSET SHARING - A node is provided that is configured to interact with one or more other nodes to implement a distributed authentication protocol. The node is configured to receive data that is indicative of use of a physical asset, generate a usage fee to be assigned to one or more owners of the physical asset in dependence on the use data and record that usage fee in a data corpus authenticated by the distributed authentication protocol. | 2020-07-23 |
20200234287 | METHOD AND SYSTEM FOR UTILIZING AUTHORIZATION FACTOR POOLS - One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant. | 2020-07-23 |
20200234288 | SYSTEMS AND METHODS OF SECURING SENSITIVE DATA - A system for securing sensitive data includes one or more databases, at least one processor, and a memory configured to store instructions. The one or more databases are configured to store a plurality of financial profiles and personally identifiable information corresponding to each user of the system. The instructions are operable when executed by the processor to receive a token from a financial institution and determine that the token corresponds to a first user of the system. The instructions are further operable when executed to communicate a credit application associated with the first user to the financial institution, wherein the credit application is generated based on a financial profile corresponding to the first user. The instructions are further operable when executed to automatically communicate, to the financial institution, personally identifiable information corresponding to the first user in response to determining that the first user accepted a credit offer of the financial institution. | 2020-07-23 |
20200234289 | SYSTEMS AND METHODS FOR AUTHENTICATING AND PROVIDING PAYMENT TO A SUPPLIER - An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programmed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programmed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase. | 2020-07-23 |
20200234290 | TARGETED MARKETING WITH CPE BUYDOWN - When incentivizing vendors to give greater discounts on items or services offered or advertised to specific customers on a third-party website in exchange for reduced advertisement pricing, a vendor enters offer parameters (e.g., item or service for sale, price or discount amount, terms of the offer, a permitted number of acceptances of the offer, etc.) into a user interface along with target customer criteria (e.g., age, gender, minimum income, etc.). The target criteria is matched to customer profile data, and an advertisement generated using the offer parameter information is presented to customers whose profiles match the target criteria. In return for offering larger discounts, a cost per event (CPE) associated with the advertisement is reduced for the vendor. An invoice is generated and transmitted to the vendor, and upon receipt of payment, the advertisement provider remits a portion of the received payment to the website owner. | 2020-07-23 |
20200234291 | METHOD AND SYSTEM FOR PURCHASE AGREEMENT PROCESSING - A method of a purchase agreement processing includes a first terminal associated with a first account. The first terminal may acquire a purchase agreement element packet released by a merchant system. The first terminal may sign a purchase agreement with the merchant system based on the purchase agreement element packet, and enable the first account to join a blockchain. The first terminal may send an invitation message to other terminals for at least one other account to join the blockchain according to the invitation message, and storing purchase records of the first account and the at least one other account in the blockchain for determining, according to the purchase records in the blockchain, performance of the purchase agreement. | 2020-07-23 |
20200234292 | CONFIGURABLE, REACTIVE ARCHITECTURE FRAMEWORK FOR DATA STREAM MANIPULATION AT SCALE - Various methods, apparatuses, and media for processing a transaction are provided. A request to process the transaction is received. A plurality of pieces of transaction data is identified from the request. A contract provider that is configured to process the transaction is determined based on at least a first piece of the transaction data. A contract is loaded based on the contract provider. The contract includes at least one mono-service. The contract, including the at least one mono-service, is executed. Each of the at least one mono-service is a function literal that includes a defined input and output. The input includes at least one of the plurality of pieces of transaction data. The at least one mono-service is configured to return a result of the processing of the transaction. | 2020-07-23 |
20200234293 | METHOD AND APPRATUS FOR BLOCKCHAINS WITH MODIFIABLE RECORDED TRANSACTIONS - Disclosed herein are method and system for modifying transactions already recorded on blockchains. The method for managing transactions based on blockchains may include a process for proceeding with mining blocks by separating approval and modification of transactions by using transaction approval block for proving approval of transactions and transaction modification block for proving modification of transactions. | 2020-07-23 |
20200234294 | PROVIDING SMART CONTRACTS INCLUDING SECRETS ENCRYPTED WITH ORACLE-PROVIDED ENCRYPTION KEYS - Providing smart contracts including secrets encrypted with oracle-provided encryption keys is disclosed. In one example, a contract creator encrypts sensitive data necessary for executing a smart contract into ciphertext using a symmetric cryptographic key K, and also encrypts the symmetric cryptographic key K into a wrapper using a public cryptographic key e of a contract executor. The contract creator then generates an envelope using a public cryptographic key o of a contract oracle, where the envelope includes the wrapper encrypted using the public cryptographic key o and a policy that includes condition(s) precedent and is digitally authenticated. The smart contract, including the envelope and the ciphertext, is deployed to the contract executor. The sensitive data thus may be provided within the smart contract itself, while being protected from unauthorized access in the event the smart contract is malicious or is compromised. | 2020-07-23 |
20200234295 | SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS - Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. | 2020-07-23 |
20200234296 | Long-Term Offline Management of Cryptographic Parameters - A method for the interception-proof transmission of at least one cryptographic parameter from a user to an encrypted offline storage medium, comprising steps of: cloaking an upward portion of a substrate with an upper plate, characterized in that said upper plate comprises a multitude of indicia, wherein each indicium has a corresponding manipulation indicator; sequentially positioning a manipulation apparatus over one or more of the manipulation indicators; mechanically manipulating the substrate, after each sequential positioning of the manipulation apparatus, using said manipulation apparatus, characterized in that the manipulation indicator of the desired indicium overlaps with one mechanical manipulation unit of the substrate; and deconstructing said substrate in two or more complementary units, characterized in that said complementary units each comprises at least one mechanical manipulation unit administered by the manipulation apparatus. | 2020-07-23 |
20200234297 | Cognitive Approval of Transactions Based on Unique Multi-Device Signatures - Transaction verification mechanisms are provided that receive transaction information, from a computing device at a transaction location, including user device information specifying one or more user device identifiers associated with a user initiating a transaction, vendor device information specifying a plurality of vendor device identifiers in a near field area associated with the computing device, and account information for an account being used to perform the transaction. A user device verification is performed on the one or more user device identifiers and a vendor device verification of the plurality of vendor device identifiers is performed to verify the transaction location as being an authorized vendor location. A determination whether to approve/deny completion of the transaction at the computing device is performed based on results of the user device verification and the vendor device verification and an output is sent to the computing device based on the determination. | 2020-07-23 |
20200234298 | E-COUPON SETTLEMENT AND CLEARING PROCESS - A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants. | 2020-07-23 |
20200234299 | Systems and Methods for Use in Implementing Account Controls - Systems and methods are provided for use in implanting and/or modifying account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule is associated with a sleeping state of the user, and activating, by the computing device, the at least one account control rule when the current conditional state of the user is the same as the sleeping state associated with the at least one account control rule. | 2020-07-23 |
20200234300 | TECHNIQUES TO DYNAMICALLY CREATE VALID CREDIT CARDS - Techniques to dynamic create valid credit cards are described. An apparatus, a computer-implemented method, and a computer-readable storage medium may implement such techniques and process virtual authorization data for authorizing a credit card to access a financial account, wherein the virtual authorization data comprises a representation of the financial account; activate the credit card using the virtual authorization data, the credit card having an integrated circuit configured for secure execution of transactions against the financial account; and store the virtual authorization data onto the integrated circuit of the credit card. Other embodiments are described and claimed. | 2020-07-23 |
20200234301 | PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE - In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined. | 2020-07-23 |
20200234302 | PASSWORD VERIFICATION - A computer-implemented method, computer program product and system for password verification are provided. A preset password and at least one condition for applying the preset password is received from device of a user. It is then determined whether the preset password is eligible. Responsive to the preset password being eligible, the preset password is registered. An input password from a device of a vendor can, therefore, be verified based on the registered preset password. | 2020-07-23 |
20200234303 | SYSTEMS AND METHODS FOR STREAMLINED CHECKOUT - Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account. | 2020-07-23 |
20200234304 | CONFIGURABLE TRANSACTION MANAGEMENT CONTROLLER AND METHOD THEREOF - Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed. | 2020-07-23 |
20200234305 | IMPROVED DETECTION OF FRAUDULENT TRANSACTIONS - The current invention relates to a method of identifying relevant records in a database, preferably of determining potentially fraudulent records in said database. A graphical user interface is provided to a user to display multiple inputs, to receive inputs from the user and to display results. A first detection strategy targeted to detect existing records from the database is defined. The first detection strategy comprises multiple first inputs that comprise at least one threshold, at least one detection method, at least one weighting factor, and at least one parameter. The first inputs can be individually displayed on said graphical user interface for each of the at least one detection method. The first inputs can preferably be individually set for each of the at least one detection method. A second detection strategy targeted to detect said existing records from the database is defined. The second detection strategy comprises multiple second inputs. | 2020-07-23 |
20200234306 | CONTEXTUAL MAPPING OF WEB-PAGES, AND GENERATION OF FRAUD-RELATEDNESS SCORE-VALUES - Devices, systems, and methods of contextual mapping of web-page elements and other User Interface elements, for the purpose of differentiating between fraudulent transactions and legitimate transactions, or for the purpose of distinguishing between a fraudulent user and a legitimate user. User Interface elements of a website or webpage or application or other computerized service, are contextually analyzed. A first User Interface element is assigned a low fraud-relatedness score-value, since user engagement with the first User Interface element does not create a security risk or a monetary exposure. A second, different, User Interface element is assigned a high fraud-relatedness score-value, since user engagement with the second User Interface element creates a security risk or a monetary exposure. The fraud-relatedness score-values are taken into account, together with user-specific behavioral characteristics, in order to determine whether to generate a possible-fraud notification, or as part of generating a possible-fraud score for a particular set-of-operations. | 2020-07-23 |
20200234307 | SYSTEMS AND METHODS FOR DETECTING PERIODIC PATTERNS IN LARGE DATASETS - The present disclosure relates to systems, methods, and computer readable media for detecting periodic sequences of events. A computer-implemented method may include collecting processing times and values associated with each of a plurality of events. The method may also include assigning each of the plurality of events to at least one of a plurality of time phases, the plurality of time phases forming a period characteristic of the plurality of events. The method may also include grouping the events in each of the plurality of time phases into one or more clusters, based on the respective values associated with the events. The method may also include determining a periodic sequence of events based on the one or more clusters. The method may further include recording the periodic sequence of events in a database of periodic sequences. | 2020-07-23 |
20200234308 | NETWORK USAGE DETECTION AND PRESENTATION - A method and system for improving network usage detection and presentation is provided. The method includes detecting and identifying a user accessing specified network content. Objects being viewed by the user via a network are detected and prior associations between the objects and the user are determined. Attributes of the objects with respect to the prior associations are determined and presented via a GUI. | 2020-07-23 |
20200234309 | System, Method, and Computer Program Product for Authenticating Identification Documents - Provided is a computer-implemented method for authenticating an identification document. The method includes determining, with at least one processor, whether image data associated with the identification document has at least one predetermined indicia. In response to determining that the image data has the at least one predetermined indicia, the method includes determining whether the at least one predetermined indicia corresponds to at least one invalidation mark on the identification document, and, in response to determining that the at least one predetermined indicia corresponds to the at least one invalidation mark, determining, that the identification document is invalid. In response to determining that the identification document is invalid, the method includes preventing or causing the prevention of at least one action from being performed. A system and computer program product for authenticating identification documents are also disclosed. | 2020-07-23 |
20200234310 | IDENTITY PROOFING FOR ONLINE ACCOUNTS - A computer-implemented method includes: receiving, by a computer device, a request for a new online account for accessing data stored in an enterprise system; determining, by the computer device, an identity associated with the request; determining, by the computer device, a risk score for the request; determining, by the computer device, validation steps based on the risk score; and executing, by the computer device, the validation steps. | 2020-07-23 |
20200234311 | SYSTEM AND METHOD FOR CAUSING MESSAGES TO BE DELIVERED TO USERS OF A DISTRIBUTED VOICE APPLICATION EXECUTION SYSTEM - A system that is capable of receiving and interpreting a user's spoken commands is also coupled to a television interface device that controls video programming content displayed the user's television. The user can speak commands to cause certain programs to be played, and to control various functions of the television. The system can track and analyze a user's video viewing habits. In addition, the system is able to determine which of multiple users might be interested in a particular video program, and the system can play marketing messages regarding that video program to those users that might be interested in viewing the video program. | 2020-07-23 |
20200234312 | POST-PURCHASE PRODUCT INTERACTION - An improved analytics system generates product interest profiles for customers that are related to post-purchase interactions with a product by a customer. The analytics system receives product metadata from a catalog that is related to the product purchased by the customer. The analytics system can further receive social content of the customer from a social channel. The social content is analyzed for post-purchase interactions with the product purchased by the customer. A product interest profile is generated for the customer related to the product based at least in part on the post-purchase interaction. | 2020-07-23 |
20200234313 | CONTENT INSIGHT SYSTEM - An insight system identifies brands, subjects, attributes, and the sentiment conveyed for those attributes. The insight system pairs the attributes with the subjects and brands and generates metrics based on the sentiments associated with the attributes. The insight system may parse product webpages linked to the content for brand identifiers and associate the brand identifiers with the brands. The insight system provides more granular insight into user sentiment for different features associated with the brands. | 2020-07-23 |
20200234314 | 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. | 2020-07-23 |
20200234315 | SYSTEMS AND METHODS FOR PATIENT RETENTION IN NETWORK THROUGH REFERRAL ANALYTICS - A medical information navigation engine (“MINE”) is capable of inferring referral activity not reported into a referral workflow system by utilizing intent-based clustering of medical information. The intent based clustering reconciles received medical data, from a variety of sources, and then clusters the data by applying one or more clustering rules. After the referrals not otherwise reported are inferred, they may be utilized to generate metrics that can be utilized to enhance patient care, and reduce costs. Metrics may be generated for both in-network and out-of-network referrals in order to distinguish differences in reporting activity. | 2020-07-23 |
20200234316 | SYSTEMS AND METHODS FOR PROVIDING SOCIAL DISCOVERY RELATIONSHIPS - The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers, The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs. | 2020-07-23 |
20200234317 | USER ACTIVITY INTEGRATED SURVEY ANALYSIS - Embodiments generally relate to conducting and analyzing electronic surveys. In some embodiments, a method includes determining activity information associated with a first user. The method further includes providing a survey to the first user, wherein the first user is a survey participant, and wherein the survey includes the plurality of survey questions for the first user to answer. The method further includes receiving a plurality of survey answers from the first user, wherein the plurality of survey answers is responsive to the plurality of survey questions. The method further includes determining a sentiment score based at least in part on the plurality of survey answers provided by the first user. The method further includes associating the activity information with the sentiment score. The method further includes generating a recommendation for a second user based at least in part on the activity information and the sentiment score. | 2020-07-23 |
20200234318 | SOCIAL SCIENCE MACHINE FOR MEASURING LATENT VARIABLE MODELS WITH BIG DATA SURVEYS - The current invention is a Social Science Machine designed to articulate social science theory-based latent variable models, to operationalize such models through survey research methodologies, and to obtain valid comparative measurements of such latent variable models from such methodologies. The embodiment described herein is the performance measurement of Well-Being Programs which are programs designed to improve the physical, or psychological health, social connectivity, coping capabilities, and development of their participants. Measurement of Well-Being Programs is fraught with threats to validity from Selection and Response Biases. The invention explicitly deals with Selection and Response Biases and can be used to establish a virtuous cycle of feedback to drive performance improvements in human services analogous to what has been achieved in manufacturing with Statistical Process Control. The invention employs a collaborative, multi-entity approach for the standardized collection and analysis of Big Survey Data derived from multiple organizations. | 2020-07-23 |
20200234319 | SYSTEM AND METHOD FOR CALCULATING, MEASURING AND AFFECTING PARTICIPANT ENGAGEMENT - Present disclosure relates to a technique of generating participant engagement scores. The technique includes monitoring a plurality of activities of at least one participant of an interaction platform. The technique further includes obtaining participation, persuasion and praise information associated with the at least one participant. The technique further includes determining plurality of score values based on each of the plurality of participation information, persuasion information, and praise information, wherein the score values are determined based on plurality of scores stored in a database. The technique furthermore includes evaluating the plurality of score values to determine a final score and determining an engagement level of the at least one participant based on the determined score. | 2020-07-23 |
20200234320 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, PROGRAM, AND DEMAND SEARCH SYSTEM - An information processing apparatus includes a controller configured to determine the demand of a consumer for a product based on a behavior of the consumer that is detected in a moving object and store the result of the determination about the demand into a storage unit with the result of the determination being correlated with the predetermined place, the moving object being configured to autonomously travel based on an operation instruction and move the product or an advertisement for the product to a predetermined place. | 2020-07-23 |
20200234321 | COST ANALYSIS SYSTEM AND METHOD FOR DETECTING ANOMALOUS COST SIGNALS - Provided is a method and a cost analysis system for detecting anomalous costs signals associated with components of a system. The method includes receiving real-time data stream, performing pre-processing operations including sorting data from data stream received into data subsets as user-defined, processing, via a processing module, the data subsets using a rule set, and determining whether cost change has occurred. If cost change has occurred, storing and archiving cost change data associated with the cost change in a cost database, receiving user input and generating, via a visualization tool, one or more reports showing the cost change data and automatically generating a real-time notification of cost change data, and performing post-processing operations comprising creating new data set including any post-shift data, and resetting applicable data to only consider data after a last change date, and transmitting to processing module for further processing. | 2020-07-23 |
20200234322 | INCENTIVIZING SHARING IN SOCIAL NETWORKS - An online incentive network is optimized. Online incentive network data is accessed including data regarding sharing between users of the network from at least one database. Inputted parameters and network data are applied to one or more models for incentivized deal sharing to determine profitability of an incentivized sharing deal to offer to plurality of users via an online network for one or more products or services provided by a merchant. The incentivized sharing deal comprises a deal in which a user purchases a particular deal, and then when the user shares the particular deal with a threshold number of other users who also purchase the deal, the user receives an incentive. The parameters include a price of the deal; a proportion of the deal kept by the merchant or the online incentive network, and the number of incentivized users. An interface offers the incentivized sharing deal to users. | 2020-07-23 |
20200234323 | METHODS AND SYSTEMS FOR RECONCILING A TRANSACTION WITHIN A COMPUTER-BASED GAME - A number of sets of methods, systems, and apparatuses applicable to transactions are disclosed. One set includes transaction systems configured to reconcile a transaction among multiple provider accounts or user accounts via derived object attributes and reconciliation matrices. Another set includes methods of reconciling payment of a coupon. Another set includes transaction apparatuses configured to derive object attributes from digital representations to identify purchasable items. Still another set includes methods of mitigating risk of transaction fraud. | 2020-07-23 |
20200234324 | Matching a Coupon to A Specific Product - A computer-implemented method, a system and a computer program product for processing third party online coupons. According to one embodiment, a third-party online coupon is received. Text is parsed to determine a merchant's website. The third-party online coupon description is parsed to determine a product term. The product term is searched for. The third-party online coupon is tested with a product associated with the product term. The third-party online coupon is determined if valid with the product. | 2020-07-23 |
20200234325 | AUTOMATIC REDEMPTION OF DIGITAL OFFERS WITH DEFERRED PAYMENT - In an embodiment, a computer-implemented method comprises receiving, at a server computer, offer activation request data, the offer activation request data including a loyalty card number and an identification of a digital offer, the digital offer associated with a discount amount; querying, by the server computer, a digital data repository to seek a data record matching the loyalty card number; in response to determining that the data repository has a record matching the loyalty card number, electronically activating the digital offer associated with the identification of the digital offer and associating the activated digital offer with the loyalty card number in the digital data repository; receiving, at the server computer, contextual transaction data; determining, based on the contextual transaction data, that a consumer entity associated with the loyalty card number purchased a product associated with the activated digital offer; determining, by the server computer, that a post-sale product rebate is available for the consumer entity associated with the loyalty card number and in response thereto, generating, by the server computer, a digital payment file based on the discount amount associated with the activated digital offer; using the server computer, transmitting the digital payment file to a third-party payment system that causes a refund amount to be transmitted electronically to the consumer entity associated with the loyalty card. | 2020-07-23 |
20200234326 | TEMPORAL DISPOSITION OF OFFERS BASED ON DECAY CURVES - Disclosed herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof, for temporal disposition of offers based on decay curves. In an embodiment, a server comprises: a plurality of listings associated with categories; a decay curve database storing a plurality of category decay curves and a plurality of user decay curves; and at least one processor configured to: monitor user activity of the server; and generate the category decay curves and the user decay curves using the monitored user activity. | 2020-07-23 |
20200234327 | SYSTEMS AND METHODS FOR DYNAMIC PRODUCT OFFERINGS - A method for dynamic product offerings includes identifying characteristics of an entity based on a set of performance indicators and a risk profile associated with the entity. The method further identifies criteria for dynamic product offerings for a target market using the identified characteristics of the entity. The method further includes determining a target reward and an expected risk for a new dynamic product offering using the criteria for the dynamic product offerings. The method further includes one or more actions that cause the new dynamic product offering to be released in the target market. | 2020-07-23 |
20200234328 | SYSTEM AND METHOD FOR MEASURING THE RELATIVE AND ABSOLUTE EFFECTS OF ADVERTISING ON BEHAVIOR BASED EVENTS OVER TIME - The systems and techniques described herein measure advertisement effectiveness of behavior-based outcomes (e.g., site visit, number of pages consumed, searches, online and offline transactions). The system implemented an automated model to measure the impact of exposures and impressions on outcomes using uses panel data, cookie-based data, and combinations thereof. The techniques use test and control approach to calculate effectiveness, where the test group are those exposed to a campaign and a control group who is not exposed. For those exposed, a running analysis of impressions (and other variables) in a pre period is used to determine behavior based outcomes over a set time period after that exposure. As a result, the automated model is able to generate metrics that show absolute and relative impacts on future behavior. | 2020-07-23 |
20200234329 | NEURO-PHYSIOLOGY AND NEURO-BEHAVIORAL BASED STIMULUS TARGETING SYSTEM - An example system includes an analyzer to determine a first distance between (1) a first peak in a first frequency band of first neuro-response data gathered from a subject while exposed to media and (2) a second peak in the first frequency band; determine a second distance between (1) a third peak in the first frequency band and either (2) the second peak in the first frequency band or (3) a fourth peak in the first frequency band and determine a first difference between the first distance and the second distance. The example system includes a selector to determine a modification for the media based on the first difference and a modifier to implement the modification for presentation of the media. | 2020-07-23 |
20200234330 | INCREASING SOCIAL MEDIA PRESENCE USING MACHINE-LEARNING RELEVANCE TECHNIQUES - According to an implementation, a method for digital information retrieval in a social media platform includes transmitting, over a network, information to render a timeline of social content for a user of a client application. The timeline of social content includes messages posted on the messaging platform by user accounts that are connected to a user account of the user in a connection graph. The method includes computing, using a machine-learning algorithm inputted with relevance signals, a relevance level between the user account of the user and a user account not linked to the user account of the user in the connection graph, and transmitting information about a profile of the user to a computing device associated with the user account not linked to the user account of the user in response to the relevance level being greater than a threshold level. | 2020-07-23 |
20200234331 | SYSTEM AND PROCESS TO ESTIMATE PERSUASIVENESS OF PUBLIC MESSAGING USING SURVEYS - A system and process to estimate persuasiveness of public messaging using surveys are disclosed. According to one embodiment, a method comprises selecting survey participants. Pre-screening question responses are received from the survey participants. The survey participants are divided randomly into a control group and a treatment group. The treatment group is shown a creative and a control group is shown nothing or a placebo. After the creative has been shown, participants are asked post-message questions such as purchase intent, favorability of the brand, and brand awareness. Weighting and bias correction are applied to question responses. An effects report is generated that includes an average treatment effect and a backlash probability for the creative, and treatment effects specific to subgroups. | 2020-07-23 |
20200234332 | ESTIMATING AN EFFECTIVENESS OF AN ONLINE AD CAMPAIGN - Estimating the effectiveness of an online ad campaign is disclosed. Impression data indicative of online ad activity associated with the ad campaign, such as a plurality of online ad impressions, is received. Awareness data indicative of an awareness of select users of the subject of the ad campaign is received. One or more timing characteristics associated with the online ad activity are determined. Using a survival analysis and based on the impression data, the awareness data, and the one or more timing characteristics, one or more factors are determined. The factors may indicate the degree to which one or more associated attributes of online ad activity influence the effectiveness of the ad campaign. The factors may be applied to second impression data indicative of second online ad activity associated with the ad campaign to determine the estimate of the effectiveness of the ad campaign. | 2020-07-23 |
20200234333 | RELIABLE USER SERVICE SYSTEM AND METHOD - A method includes sending an encrypted first hash value set to a data provider; receiving an encrypted second hash value set and a double-encrypted first hash value set from the data provider; re-encrypting the received encrypted second hash value set to obtain a double-encrypted second hash value set; calculating an intersection of the double-encrypted first hash value set and the double-encrypted second hash value set to determine one or more shared users shared with the data provider; and recommending or providing a service to the one or more shared users. | 2020-07-23 |
20200234334 | SYSTEMS AND METHODS FOR FACET DISCOVERY - This application relates generally to systems and methods for identification of facets for associated items in a datastore. In an embodiment, a method performed by a computing device includes: receiving, from a supplier device, a first item dataset characterizing a first item purchasable on a sales platform. The method also includes associating the first item with a facet in accordance with an instruction from an internal merchant device, where the facet is separate from the first item dataset, and where the facet may be selected to differentiate the first item from a second item purchasable on the sales platform. The method also includes retrieving the facet from a datastore in response to an item request from a customer device. The method also includes retrieving the first item dataset from a datastore in response to a selection of the facet from the customer device. | 2020-07-23 |
20200234335 | NON-INTRUSIVE ADVERTISEMENT PRESENTATION - Advertisements are often presented in the context of a media content viewing experience. Advertisement presentation may be intrusive or subtle. In many instances, users may be interested in particular advertisements but may not want to disrupt a media content viewing experience by launching an advertisement window, opening an advertisement application, or otherwise being redirected to another piece of content. Consequently, mechanisms are provided to allow a user to identify advertisements or save advertisement interests for presentation at a later time. Saved advertisement interests can be used to inform future advertisement and/or content suggestions, and the user can be presented with selected advertisements within an application or through external mechanisms. | 2020-07-23 |
20200234336 | SYSTEM AND METHOD FOR PROVIDING INFORMATION ABOUT NIGHTCLUBS AND BARS IN A GEOGRAPHICAL AREA - A server transmits information, to a plurality of subscribers having mobile devices, concerning bars or nightclubs located within a predetermined distance from each subscriber. Subscribers receive information concerning special offers available at particular establishments. The system also enables subscribers to identify other subscribers, located at establishments in the vicinity, and to communicate with them. By tracking the location of each subscriber, the system can tailor offers, or sequences of offers, to subscribers who are near particular establishments, and/or who have particular preferences, and it can accumulate data from which to generate statistics which help operators of such establishments to maximize profitability. | 2020-07-23 |
20200234337 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING SYSTEM, AND METHOD OF INFORMATION PROCESSING - An information processing system includes a vehicle and an information processing apparatus. The vehicle includes a display device disposed facing outside, and a first control unit configured to execute control so as to display advertisement information on the display device. The information processing apparatus includes a second control unit configured to execute: acquiring a congestion degree of persons present around the vehicle; and determining a display position of the advertisement information on the display device in accordance with the congestion degree. When the congestion degree is equal to or greater than a first threshold, the information processing system determines a display region of the advertisement information to be an upper region on a display screen of the display device. | 2020-07-23 |
20200234338 | CONTENT SELECTION APPARATUS, CONTENT SELECTION METHOD, CONTENT SELECTION SYSTEM, AND PROGRAM - [Problem] A main object is to provide a content selection apparatus, a content selection method, a program, and the like that select a content with a high advertising effect. | 2020-07-23 |
20200234339 | SYSTEM AND METHOD FOR COORDINATING INFLUENCERS ON SOCIAL MEDIA NETWORKS - A method for use on a computing device for social media distribution involves registering a campaign with at least one data set related to at least one of: an age, a gender, a theme, a demographic, a jurisdiction, a location and a desired engagement rate. The campaign may be related to a social market media campaign with a predefined online handle or metadata set. From a user terminal, a database management system is accessed. The database management system is configured for compiling a set of online identities of social media users on social media websites matching one or data sets related to the campaign. At least one message including social media content associated with the online handle or metadata set is sent to a social media user. The social media user can accept to distribute social media with the online handle or metadata set from at least one private account. | 2020-07-23 |
20200234340 | APPARATUS AND METHOD FOR PROCESSING USER PERSONAL INFORMATION - In an embodiment, a system server receives, from a plurality of advertiser devices, a plurality of advertisements, at least one corresponding personal information value, and a corresponding price. The system server calculates, for each of a plurality of personal information types, a corresponding price. | 2020-07-23 |
20200234341 | METHOD AND SYSTEM FOR DELIVERING PERSONALIZED CONTENT AS AUGMENTED REALITY OVERLAYS - Disclosed are a system, method and software to associate attributes with digital media assets. Digital media contains specific assets, such as images, that can be replaced with other assets. The system, method and software permit the association of attributes with specific assets. The association of attributes and assets enables the provision of content that is enhanced and more impacting for a user. | 2020-07-23 |
20200234342 | PROGRAMMATIC ADVERTISING SERVER - Systems, methods, and computer program products are provided for auctioning advertising inventory for various applications, including for mobile applications. In various embodiments, a request for an advertisement is received at a first server from a client device. The request is sent, from the first server, to two or more remote servers. A bid value and an asset to be presented at the client device is received from each of the two or more remote servers. A highest bid is determined from the received bid values. Whether the asset associated with the highest bid is compliant based on the request is determined. When the asset is determined to be compliant, the asset is sent to the client device. | 2020-07-23 |
20200234343 | AUTOMATED DEAL GUIDE STRUCTURE IDENTIFICATION - A method, apparatus, and computer program product are disclosed for updating a structure database. The method includes accessing a corpus of machine readable text generated based on a plurality of promotions, wherein each of the plurality of promotions comprises at least one promotion option associated with at least one service, and extracting features from the promotion options, the features being mapped to services associated with respective promotion options from which the features are extracted. The method further includes identifying one or more components associated with the extracted features, tagging, using a processor, each promotion option with every component associated with at least one feature of the promotion option, and updating a structure database using the tagged promotion options. A corresponding apparatus and computer program product are also provided. | 2020-07-23 |
20200234344 | Integrated Architecture for Performing Online Advertising Allocations - An improved architecture including system and methods for online advertising placement that provide possibly defaulting advertisement tags the opportunity to serve an advertisement ahead of a lower value tag that is guaranteed to fill, resulting in higher CPMs (i.e., Cost Per Mille) for web publishers. The system and methods are configured to deterministically render an advertisement impression from a list of possibly defaulting advertisements in a JavaScript-enabled web browser. The knowledge of the complete outcome of such an “ad chain” at render-time significantly reduces complexity and latency in the supporting ad server. The system and method centers around a novel JavaScript approach to detect when an advertisement has been loaded but not defaulted. Additionally, the system and methods integrate the network and RTB demand channels by looking at all demand sources simultaneously and selecting the buyer from within the user's browser, and address predictive pricing to further enhance the online advertising placement process. | 2020-07-23 |
20200234345 | THIRD PARTY RISK MANAGEMENT SYSTEM PROVIDING SHARED ACCESS TO THIRD PARTY DATA - A computer-implemented method of managing third party risk comprises receiving, from a computing device, a request by a user for a questionnaire to be completed by a third party. The questionnaire is sent to the third party for completion and a completed questionnaire is received from the third party. The completed questionnaire is then sent to the user via the computing device. The user also receives a notification on the computing device if one or more answers provided by the third party in the questionnaire triggers a user-specific flag based on individual perception of risk. | 2020-07-23 |
20200234346 | Metering Based On Application Code Complexity - Metering based on application code complexity is provided. Code of an application to be executed is received from a user. Values of parameters corresponding to the application are extracted based on analysis of the code. A set of computational vectors corresponding to extracted values of the parameters of the application is generated to calculate a complexity of the code. A metering metric to charge the user to execute the application is determined based on the complexity of the code. The application is executed at the metering metric based on the complexity of the code. | 2020-07-23 |
20200234347 | VEHICLE DISPLAY SYSTEM FOR VEHICLE - An electronic device configured to charge an occupant in a vehicle. The electronic device includes: an interface unit configured to exchange signals with at least one internal camera configured to capture at least one image of an inside of a cabin of the vehicle; at least one processor; and at least one computer memory that is operably connectable to the at least one processor and that has stored thereon instructions which, when executed, cause the at least one processor to perform operations including: receiving, through the interface unit, image data that was generated based on processing the at least one image of the inside of the cabin captured by the at least one internal camera; and generating cost charging data based on a motion of a user detected from the received image data. | 2020-07-23 |
20200234348 | INFORMATION PROCESSING DEVICE - The present invention is for calculating a distribution fee for when an article is transported by a moving body. According to the present invention, an article-characteristic-information acquisition unit | 2020-07-23 |
20200234349 | Determining A Criticality Of An Invoice, And Presenting Information Related Thereto On A Graphical User Interface - Techniques for determining and presenting invoice criticality information for an invoice on a graphical user interface (GUI) are disclosed. Invoice criticality represents an urgency and/or significance associated with an invoice. An urgency is determined based on a difference between (a) a predicted amount of time for completing processing of the invoice and (b) an amount of time currently remaining until the target completion date. A significance is determined based on a predicted impact level resulting from missing a target completion date for the invoice. A GUI displays invoice criticality information associated with one or more invoices. The GUI presents a suggested action for resolving a predicted hold for a particular invoice. The GUI presents a suggested action based on a current and/or impending processing stage for a particular invoice. The GUI presents correlation information indicating relationships between invoice characteristics, processing times, and/or impact levels. | 2020-07-23 |
20200234350 | PREDICTING DELAY IN A PROCESS - A method to predict a delay involves receiving an open invoice sent by a company to a customer, extracting, using a programmable interface, a set of company data, a set of customer data, and a set of invoice data from a management application (MA) and the open invoice; refining, using a set of algorithms, the set of company data, the set of customer data, and the set of invoice data into a set of invoice attributes, a set of company features, and a set of customer features; predicting a delay in processing the open invoice using a trained model analyzing the set of company features and the set of customer features; updating, at an expiration of a predetermined timespan, the MA to add the delay to a due date of the open invoice by including the set of company features; and updating, at the expiration of the predetermined timespan, the MA to add the delay in processing the open invoice by including the set of customer features. | 2020-07-23 |
20200234351 | BLOCKCHAIN-BASED BILL NUMBER ALLOCATION METHOD, APPARATUS AND ELECTRONIC DEVICE - In an implementation of a computer-implemented method, a target transaction sent by a billing initiator is received, where the target transaction includes bill information of an e-bill to be issued. In response to the target transaction, check logic is invoked in a smart contract deployed in a blockchain network, and a validity check is performed on the bill information. If the validity check succeeds, allocation logic is invoked in the smart contract, and an e-bill number is allocated to the bill information from available e-bill number segments maintained in a blockchain account corresponding to a biller of the e-bill. | 2020-07-23 |