34th week of 2020 patent applcation highlights part 48 |
Patent application number | Title | Published |
20200265343 | DIGITAL TICKETING TO DETERMINE SEAT ALLOCATION - A method for determining seat allocation. The method includes receiving a purchase order by a first user for one or more seats at an event, wherein the purchase order includes at least one or more of the following: a preferred seating area, a proposed venue, a proposed date range for the event, a proposed time of day for the event, and a proposed number of seats within a group. The method further includes generating one or more digital tickets based on the received purchase order, wherein each of the one or more digital tickets is linked to the received purchase order by the first user. The method further includes determining seat allocation at the event based on the generated one or more digital tickets, and allocating one or more traditional tickets based on the determined seat allocation at the event. | 2020-08-20 |
20200265344 | SPORTS AND CONCERT EVENT TICKET PRICING AND VISUALIZATION SYSTEM - A system and method for selecting inventory pricing for an event at a venue is disclosed. The method comprising determining a rate at which a first inventory of seats have sold for an event at a venue. The method further comprising calculating a demand for a secondary inventory of seats as a function of the rate at which the first inventory of seats sold, the seats of the first and second inventories being comparable in quality, provides a user interface to one or more client devices that displays the data. The method further comprising calculating a demand for a second inventory of seats as a function of the rate at which the first inventory of seats sold, the seats of the first and second inventories being comparable in quality. | 2020-08-20 |
20200265345 | INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, AND PROGRAM - An information processing device is equipped with a control unit that carries out acquisition of desire information including information indicating an operation that is performed during halt of a vehicle, and information indicating a time during which the vehicle is desired to be halted, acquisition of halt place-associated information matching the desire information, namely, halt place-associated information including information indicating a vehicle halt permitting place that is managed by a user, information indicating a time during which the vehicle halt permitting place is available, and information indicating an operation that can be performed at the vehicle halt permitting place, and output of the halt place-associated information. | 2020-08-20 |
20200265346 | DEVICE AND METHOD FOR ASSISTING A CLIENT WHEN REQUESTING A MOBILE SERVICE VEHICLE - A device and method for assisting a client when requesting a mobile service vehicle which includes a vehicle carriage and a passenger compartment temporarily connected to the vehicle carriage and equipped for the service in question. The method includes determining a need of the client for obtaining a service during a journey, determining that the client's preference for meeting the need cannot be met and, automatically emitting an alternative suggestion to meet the need. | 2020-08-20 |
20200265347 | ALLOCATION METHOD, STORAGE MEDIUM, AND INFORMATION PROCESSING DEVICE - An allocation method executed by a computer, the allocation method includes receiving a demand for allocating a predetermined event to one of a plurality of frames; setting a weight for a free space in each of a plurality of candidates based on usage frequency of one or more candidates corresponding to the demand for allocating the predetermined event by referring to information on usage frequency of each of a plurality of frames in the past; identifying, from among the plurality of candidates, a candidate whose space is smaller than another space when allocating the predetermined event to the candidate based on the free space in each of the plurality of candidates and the weight for the free space; and outputting the identified candidate. | 2020-08-20 |
20200265348 | Resource Allocation Using Weighted Metrics - A method and a system for allocating vehicles to passengers are provided. Booking requests for rides are received from passenger devices of passengers. Available vehicles are identified for allocation corresponding to the booking requests. A matrix is generated in which each element corresponds to each booking request-vehicle pair. Each element is determined based on one or more parameter values corresponding to one or more parameters associated with each booking request-vehicle pair and a weight associated with each parameter. The matrix is further processed by means of a Hungarian algorithm to generate another matrix. A vehicle from the available vehicles is allocated to a passenger from the passengers based on the another matrix. | 2020-08-20 |
20200265349 | TRAVEL ADVISORY NOTIFICATIONS - A travel advisory generation system is provided that enables generation of travel advisories based upon one or more selected parameters (e.g., location, origin, destination, date, date range, travel provider, class of service, etc.). These travel advisories may be further incorporated into travel search results, providing relevant advisory information in conjunction, e.g., concurrently or in-line, with travel options. The advisories may be further customized in order to display desired notifications and not display undesired notifications to selected users of the travel advisory generation system (e.g., system operators, travel service providers (including, but not limited to, travel agents and travel managers of an organization), and travelers). | 2020-08-20 |
20200265350 | ESTIMATING CAPACITY AND USAGE PATTERN OF BEHIND-THE-METER ENERGY STORAGE IN ELECTRIC NETWORKS - The present disclosure provides a method and a system for estimating capacity and usage pattern of behind-the-meter energy storage in electric networks. Conventional techniques on estimating an effective capacity of behind-the-meter energy storage of a consumer, in presence of distributed energy generation units is limited, computationally intensive and provide inaccurate prediction. The present disclosure provides an accurate estimate of the effective capacity and usage pattern of behind-the-meter energy storage of a target consumer utilizing data samples received from a utility in presence of one or more distributed energy generation units, using an energy balance equation with less computation and accurate prediction. Based on accurate estimation of the effective capacity and usage pattern, the utility may plan for proper infrastructure to meet power demands of the consumers. | 2020-08-20 |
20200265351 | DATA SIMILACRUM BASED ON LOCKED INFORMATION MANIPULATION - A system and process for simulating providing access to data that has been locked in a series of secured, sequential blocks. A listening station monitors data and signals the passage of structured transaction data, which is aggregated for the unpackaging of structured transaction information into discrete component information. The present invention makes available component information as unlocked, queued data distributed throughout a network of computing entities. The queued data is an emulation of the structured transaction information as would be found locked in any of the secured blocks, present and prior. | 2020-08-20 |
20200265352 | GENERATING AND APPLYING A PREDICTION MODEL BASED ON BLOCKCHAIN DATA - Generating and applying a prediction model based on blockchain data is disclosed. Based on blockchain data related to historical invoices, a prediction model is generated using machine learning. The prediction model is used to generate a recommendation for a particular entity to obtain a target funding amount by a target funding date. The prediction model is applied to the particular entity's outstanding invoices. Based on blockchain data related to the outstanding invoices, the prediction model determines a predicted cost that the particular entity would incur in obtaining funding, by the target funding date, using each outstanding invoice. A funding type to be used for each invoice is also identified. Invoices are selected based on the predicted costs. An interface presents the recommendation to use the selected invoices to obtain the target funding amount by the target funding date. | 2020-08-20 |
20200265353 | INTELLIGENT WORKFLOW ADVISOR FOR PART DESIGN, SIMULATION AND MANUFACTURE - Methods for automatic creation of workflows for design or simulation of a product to be manufactured and corresponding systems and computer-readable mediums. A method includes tracking a current workflow, by a data processing system, to produce current workflow data. The method includes converting the current workflow data into current workflow knowledge. The method includes predicting next actions for the current workflow, based on the current workflow knowledge and a contextual knowledge graph, to produce an automatically created workflow. The method includes implementing the automatically created workflow. | 2020-08-20 |
20200265354 | Decision Making Entity Analytics Methods and Systems - An exemplary analytics system may determine a performance value that represents a performance achieved by a decision making entity. Based on the performance value, the analytics system may determine a carried out risk value that represents an amount of risk taken by the decision making entity to achieve the performance. The analytics system may also determine a risk budget that represents a range of risk within which the decision making entity is directed to operate. Based on the performance value, the carried out risk value, and the risk budget, the analytics system may generate a quantitative indicator that represents an effectiveness of the decision making entity. Corresponding systems and methods are also described. | 2020-08-20 |
20200265355 | RISK PREDICTION BASED ON AUTOMATED ANALYSIS OF DOCUMENTS - Embodiments are directed to managing documents over a network. A machine learning (ML) engine analyzes a plurality of documents associated with actions that were performed previously. The ML engine determines critical events associated with the performance of the actions based on the plurality documents. The ML engine generates ML models based on the critical events to compute risk values that may be associated with the critical events. In response to a request to compute risk values associated with pending actions, the ML engine determines documents that are associated with the pending actions based on the request. The ML engine determines the critical events associated with pending actions based on the documents. The ML engine employs the ML models to generate the risk values based on the documents and the critical events. The ML engine provides the risk values in response to the request. | 2020-08-20 |
20200265356 | ARTIFICIAL INTELLIGENCE ACCOUNTABILITY PLATFORM AND EXTENSIONS - Systems and methods of improving AI governance are disclosed. One or more sub- contexts associated with a plurality of users are generated from one or more data sources. The one or more sub-contexts represent one or more changes in data that are relevant to assessing one or more risks associated with the plurality of users. One or more sub-contexts are provided as training data to a plurality of models. Each of the models is associated with a confidence score. A probabilistic assessment of the one or more risks associated with the plurality of users is generated based on an application of the plurality of models to additional data pertaining to the plurality of users received in real time. The probabilistic assessment is presented in a dashboard user interface, the dashboard user interface having user interface elements configured to provide insight into how the probabilistic assessment was generated. | 2020-08-20 |
20200265357 | SYSTEMS AND METHODS TO QUANTIFY RISK ASSOCIATED WITH SUPPLIERS OR GEOGRAPHIC LOCATIONS - Machines and methods to quantify risk associated with suppliers or geographic locations at which suppliers or global internal delivery centers are located. The machines and methods transform risk parameter data into risk metrics that allow comparison of relative risk between suppliers, supplier sites, or geographic locations, and allow comparison of risk metrics to minimum risk scores calculated for a given metric. The systems and methods further provide guidance/proposed action to take based on the generated risk metrics. | 2020-08-20 |
20200265358 | SYSTEMS AND METHODS FOR USING ARTIFICIAL INTELLIGENCE DRIVEN AGENT TO AUTOMATE ASSESSMENT OF ORGANIZATIONAL VULNERABILITIES - The present disclosure describes systems and method for performing a vulnerabilities assessment of an organization. A campaign controller executes one or more simulated phishing campaigns directed to a plurality of users of an organization, using a plurality of models determined by the campaign controller based at least on identification of the organization. The campaign controller stores to a database the results of execution of the one or more simulated phishing campaigns and based on the results, the campaign controller determines one or more vulnerabilities to phishing for the organization. In one embodiment, the campaign controller determines a percentage of the plurality of users of the organization that are phish-prone. In some embodiments, the users of the organization that are phish-prone interacted with a link of a simulated phishing communication. | 2020-08-20 |
20200265359 | SYSTEM AND DEVICE FOR EVALUATING OPERATION RESULT OF CORRUGATED PAPERBOARD BOX MAKING MACHINE - The operation result evaluation system comprises: an operation result information generation part configured to generate operation result information including a production count and an achieved operating time period; and an operation result evaluation device for, after completion of production of corrugated paperboard boxes for a given order, evaluating an operation result of the box making machine. The operation result evaluation device is operable to: with respect to each order, calculate an additional operating time period which is a difference between a target operating time period and the achieved operating time period; generate analytical information regarding an operating time period (FIG. | 2020-08-20 |
20200265360 | SYSTEM AND DEVICE FOR EVALUATING OPERATION RESULT OF CORRUGATED PAPERBOARD BOX MAKING MACHINE - The operation result evaluation system comprises: an operation result information generation part to generate operation result information including a production count and an achieved operating time period; and an operation result evaluation device for, after completion of production of corrugated paperboard boxes for a given order, evaluating an operation result of the box making machine. The operation result evaluation device is operable to: with respect to each order, calculate an additional operating time period which is a difference between a target operating time period and the achieved operating time period; generate analytical information regarding an operating time period (FIG. | 2020-08-20 |
20200265361 | PLANT EVALUATION SYSTEM, PLANT EVALUATION METHOD, AND PROGRAM - A plant evaluation system is configured to calculate performance of a plant while receiving setting of operating conditions of the plant and devices installed in the plant and simulating a secular change occurring in the plant during an evaluation target period included in the operating conditions. At least one of the devices is added, a selection of a component improving performance of a certain device is received, and an improvement of the performance of the device by the component is expected and the performance of the plant is calculated. | 2020-08-20 |
20200265362 | SCORE CARDS - Methods, systems, and computer-readable media are provided for building a score plan for a healthcare organization, its providers, its payers, and/or its patients and presenting the results of the score plan on one or more score card user interfaces. Score cards graphically display an entity's progress towards meeting quality measure objectives. The score cards provide information on percentage completion of one or more quality measure objectives by the entity and/or quality measure objectives that may be difficult for the entity to achieve. | 2020-08-20 |
20200265363 | METHOD AND SYSTEM FOR DETERMINING WORKING CONDITION OF A WORKER PERFORMING QUALITATIVE EVALUATION OF PRODUCTS - Disclosed herein is method and worker monitoring system for determining working condition of a worker performing qualitative evaluation of products. In some embodiments, a head pose and a position of the worker are detected from plurality of image frames of a predetermined work location of the worker. Thereafter, the head pose is classified into one of a distraction pose and a non-distraction pose upon verifying that the position of worker is within a specified region of interest in the predetermined work location. Finally, working condition of the worker is determined based on classification of the head pose and predetermined operating parameters. In an embodiment, the present disclosure automatically detects when the worker is in a distracted work condition and recommends reverification of the products which were evaluated during the distracted work condition of the worker. Thus, the present disclosure enhances accuracy and reliability of qualitative evaluation of the products. | 2020-08-20 |
20200265364 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCT FOR SUPERVISION & IMPROVEMENT OF OFFICER PERFORMANCE - A system, methods and computer program product for law enforcement performance management is disclosed. The contemplated invention makes use of processors and modules for the collection, analysis and operation of system components regarding a law enforcement official's conduct, analysis and review before, during and after an incident. Additional aspects of the contemplated invention contemplate use of modules and sub-modules for incident data collection, post-incident training, analysis and review. | 2020-08-20 |
20200265365 | INTERACTIVE ELECTRONIC EMPLOYEE FEEDBACK SYSTEMS AND METHODS - The systems and methods involve a feedback application, a feedback processing application, an analytics application, and an event moderating application. The feedback application allows users to submit feedback and displays received feedback anonymously to feedback recipients. The feedback processing application anonymizes the submitted feedback and the data to be retrieved from the feedback processing application and provide the anonymized feedback and data to the feedback application. The feedback processing application includes technology to protect feedback giver's identity and increase the speed of anonymizing the feedback and data and providing the anonymized feedback and data to the feedback application. The analytics application examines user's feedback giving and receiving behavior and evaluate their feedback empathy and authenticity and their learning behavior. The event moderating application can control the feedback application and access data in the feedback processing application and the analytics application. | 2020-08-20 |
20200265366 | SYSTEMS AND METHODS FOR COMPUTERIZED BALANCED DELIVERY ROUTE ASSIGNMENT - A system for attendance assignment. The system may include a memory storing instructions and at least processor configured to execute the instructions to perform operations. The operations may include retrieving, from a database, a plurality of delivery routes and a plurality of delivery sub-routes, wherein the delivery sub-routes are part of the delivery routes; calculating, based on the retrieval, a number of packages allocated to the delivery sub-routes; receiving, as input, a number and a type of workers available for deliveries, wherein the type including at least one of classification characteristics or efficiency characteristics; assigning, based on the calculated number of packages and the received input, the workers to a plurality of groups, wherein the groups correspond to different delivery routes or sub-routes; and comparing, based on the assignment, the assigned workers against the delivery routes or the delivery sub-routes. | 2020-08-20 |
20200265367 | SYSTEMS AND METHODS FOR COMPUTERIZED BALANCED DELIVERY ROUTE PRE-ASSIGNMENT - A system for attendance pre-assignment. The system may include a memory storing instructions and at least processor configured to execute the instructions to perform operations. The operations may include retrieving, from a database, a plurality of delivery routes and a plurality of delivery sub-routes, wherein the delivery sub-routes are part of the delivery routes; calculating, based on the retrieval, a number of packages allocated to the delivery routes and the delivery sub-routes; receive data comprising groups of pre-assigned workers available for deliveries, the workers being classified into a plurality of categories; comparing, based on the received groups, the pre-assigned workers against the delivery routes and the delivery sub-routes; assigning, based on the comparison, the packages, the delivery routes, and the delivery sub-routes to the pre-assigned workers; generating a plurality of candidate routes associated with the pre-assigned workers; and calibrating, based on the assignment and the generated candidate routes, the delivery sub-routes. | 2020-08-20 |
20200265368 | Agricultural Work Management System and Agricultural Crop Harvester - An agricultural work management system includes: a data input unit configured to receive, from an agricultural crop harvester, harvesting position data indicating a harvesting work position as agricultural land information, harvest amount data indicating a harvest amount of the agricultural crop harvested in the agricultural land, and quality data indicating the quality thereof as agricultural crop information; a database server configured to store the agricultural land information and the agricultural crop information such that they can be associated with each other; an agricultural work evaluation unit configured to perform agricultural work evaluation on the agricultural land based on the agricultural land information and the agricultural crop information; and a data output unit configured to send out the agricultural work evaluation data generated by the agricultural work evaluation unit. | 2020-08-20 |
20200265369 | Ticket-Based Harvest Management System and Method Utilizing GPS Trails - A system and method is presented for gathering data concerning harvests. Data tickets are generated at a point of origination (i.e., the field), local storage, processing, or a customer location. Data tickets may also be generated for supplies delivered to the field. Implements attached to a vehicle in the field (e.g., a tractor) may provide sensor data over a vehicle communication bus about how a field processing task was performed. A computing device on the vehicle periodically reads the sensor data and records the data along with the current time and GPS position of the vehicle as a data point. A plurality of data points are transmitted to a remote server as a data trail. Data trails from a plurality of vehicles are compared to find points of intersection. Sensor data in the data trails for the points of intersection are examined to determine data related to the transfer of goods between vehicles during the time of intersection. | 2020-08-20 |
20200265370 | VEHICLE CONTROL SYSTEM BASED ON DETENTION TIME - Aspects of the present disclosure provide techniques for analyzing telematics data received from electronic logging devices (ELDs) attached to one or more trucks in a fleet in order identify shippers that routinely exceed average industry detention time. Flagging such shippers may also allow the remote fleet management system to allocate assets based on anticipated detention time at each shipping facility. | 2020-08-20 |
20200265371 | SYSTEMS AND METHODS FOR FILLING DRIVER POSITIONS - An example server fills driver positions for a job. The server is to create a job owned by a head dispatcher including a total number of driver positions; send, to an intermediary dispatcher, a confirmation request to confirm an assignment of the intermediary dispatcher to fill an intermediary number of the total number of driver positions; responsive to an affirmative response, store a dispatcher association between the intermediary dispatcher and the intermediary number of driver positions; create an intermediary job owned by the intermediary dispatcher, the intermediary job including the intermediary number of driver positions to fill; receive driver assignments from the head dispatcher and the intermediary dispatcher; store, based on the driver assignments, driver associations between driver identifiers and the driver positions; and output a driver roster indicating driver information for the driver in each driver position. | 2020-08-20 |
20200265372 | Autonomous Communication in Shipping - The invention provides a system and method for the autonomous wireless communication between a service provider device and a customer device. The customer device may notify the service provider device whether the customer has work to be performed by the service provider. The service provider device may provide information to the customer about work to be performed by the service provider. In one embodiment, a shipping service is notified autonomously about items that a customer has for pick up and shipment. The shipping service is also capable of wirelessly transferring information to a customer device about items to be delivered to that customer. | 2020-08-20 |
20200265373 | ONLINE OPEN DELIVERY SYSTEM | 2020-08-20 |
20200265374 | SYSTEMS AND METHODS FOR DETERMINING AN INVENTORY USING A HYBRID LIGHTING AND INVENTORY SYSTEM - Systems and methods for determining an inventory. The methods comprise: performing operations by an internal circuit of a light provider to control operations of a light element to produce visible light, where the light provider is coupled to a light fixture installed on a physical structure of a facility; and performing operations by the internal circuit to connect with a network, receive a tag identifier associated with an alert event from at least one external device via the network, read tags, and control the light element to modify at least one characteristic of the visible light produced thereby when information read from one of the tags includes the tag identifier. | 2020-08-20 |
20200265375 | METHOD AND SYSTEM FOR RESOLVING SERVICE REQUESTS - A service request resolution system for resolving requests from customers, the system including a plan maintenance component, including one or more processors, to maintain plans that include an inventory data structure detailing inventory of a plurality of customers, an expert guidance maintenance component including a request resolution data structure including possible actions to resolve requests in respect of items of inventory detailed in the inventory data structure, and an expert guidance system, including one or more processors, operable to dynamically activate and/or deactivate components of the request resolution data structure, the activation or deactivation of components effected according to the plan of a specific customer. | 2020-08-20 |
20200265376 | PORTABLE INVENTORY TRACKING SYSTEM - A system and method for managing inventory in a dispensing cabinet includes a mobile terminal, and an association station configured to associate the mobile terminal with an item type stored in the dispensing cabinet. The association station receives, from the mobile terminal, an indication of a respective item unit of the first item type being moved, determines an access status of one or more containers of the dispensing cabinet when the indication is received, determines a container location for the item unit based on the access status of the containers and receiving the indication of the respective item being moved from the first mobile terminal, and causes, responsive to determining the container location, a supply record associated with the item type and a first container of the dispensing cabinet to be updated to reflect a change to a first amount of the first item type stored in the first container. | 2020-08-20 |
20200265377 | TRACKING SYSTEM AND METHOD - A tracking system comprising: a central control arrangement ( | 2020-08-20 |
20200265378 | VERIFICATION SYSTEMS AND METHODS FOR HIGH RISK PACKAGING OPERATIONS - Verification systems and methods for high risk packaging are disclosed herein. | 2020-08-20 |
20200265379 | SYSTEMS, METHODS, AND INTERFACES FOR TRANSACTION AGGREGATION, MANAGEMENT, AND VISUALIZATION - A transaction service acquires information pertaining to transactions between a user and respective ecommerce systems, and shipments associated with the transactions (the shipments handled by respective carriers). The transaction service generates an aggregated transaction dataset comprising information pertaining to a plurality of transactions. The aggregated transaction dataset may comprise an aggregation of transaction data extracted from a plurality of different data sources (each data source having a different configuration). The aggregated transaction dataset is displayed in a graphical user interface, such that the graphical user interface comprises visual representations of transactions spanning a plurality of different vendors and/or a plurality of different carriers. | 2020-08-20 |
20200265380 | METHODS AND APPARATUS FOR USING A MOVEABLE SORT WALL TO FACILITATE ASSEMBLY OF PRODUCT ORDERS - Methods and apparatus for efficiently fulfilling product orders corresponding to different customers are described. An order processing system receives product orders from customers and efficiently groups multiple orders into sets of orders. A set of orders is assigned to a mobile sort wall, and a group of robotic carts is assigned to be used to collect products. The products corresponding to a set of orders are picked from racks and collected in the robotic carts. The mobile sort wall includes a plurality of different placement locations, e.g. bins. Each placement location is associated with one of the customer orders in the set of customer orders assigned to the mobile sort wall. A sorting kiosk including a scanner identifies a collected product, identifies a placement location, and the product is placed on the mobile sort wall. A loaded mobile sort wall is moved to a packaging area. | 2020-08-20 |
20200265381 | RETURN ORDERING SYSTEM AND METHOD - The customer order fulfillment and return system for returning items from a customer order to specified locations in a warehouse. The returned items are assigned to specific sub-compartments of a tote, and the tote is assigned to a specific mobile return cart. The system then generates a return tour and the returned items are then returned to specific locations in the warehouse. | 2020-08-20 |
20200265382 | DELIVERY SYSTEM, DELIVERY METHOD AND STORAGE MEDIUM - A delivery system includes: a judging section that, after a package is primarily moved to a vicinity of a delivery destination by a vehicle in which the package is accommodated, and the package is to be secondarily moved from the vehicle to the delivery destination by a moving body, judges whether or not there is a moving body that is available for secondary movement of the package among a first moving body that is loaded in the vehicle and a second moving body that is stationed at the delivery destination or a vicinity thereof; and a control section that, in a case in which it is judged by the judging section that there is a moving body that is available for the secondary movement of the package, causes the moving body that is available for the secondary movement of the package to carry out the secondary movement. | 2020-08-20 |
20200265383 | Dynamic Adjustment of Delivery Location Based on User Location - A user places an order on a merchant website associated with a merchant system via a user computing device. The user selects an option for delivery to the user computing device location within a delivery area during a delivery time window and authorizes a delivery system to log the location of the user computing device during and/or a period of time before the delivery time window. When the delivery time window arrives, the delivery system provides a delivery route to a delivery agent computing device. When the delivery agent arrives at the user computing device's location, the user receives an alert that the delivery agent has arrived and receives a package from the delivery agent. If the user does not remain within the delivery area, the user may cancel the order and the delivery, may reschedule the delivery, and/or may accept delivery of the order to a fixed shipping address. | 2020-08-20 |
20200265384 | USER INTERFACE AND SYSTEM FOR CLIENT DATABASE MANAGEMENT - Improved workflow processes for efficiently progressing through a credit union membership application using a user interface having a specially structured layout to facilitate the progression are disclosed. Initially, the user interface presents a membership account selection option to select which type of membership account to initiate. Based on the selected type of membership account, the user interface then displays a product selection option for selecting a specific type of product to initiate with the credit union. The user interface then displays an applicant information option structured to receive information about an applicant. Based on this information, there is a determination as to whether the applicant qualifies for membership. Additionally, the layout of the user interface is specifically required to have a number of features, which are designed to facilitate the application workflow. | 2020-08-20 |
20200265385 | BRIDGING VARIOUS STANDARDS FOR DRILLING PROJECTS - Bridging different standards or requirements documents originating from different participants in a drilling project to unify the standards or requirements provides more efficiencies and cost savings for the drilling project. The standards or requirements may be automatically analyzed to determine which standards or requirements from the participants are to be utilized for a given drilling project to generate a common bridged document of requirements and standards thereby aiding to reduce costs and establish a common understanding of the requirements and standards that are to be met or implemented during the drilling project by all participants. The automatic process may select those standards or requirements, or portions thereof that are more stringent. Moreover, as an additional output of the automated process, output files may be produced that reflect those determined standards, requirements or parameters for subsequent use by standard engineering programs to generate technical parameters and requirements for the drilling project. | 2020-08-20 |
20200265386 | SYSTEM AND METHOD FOR IMPLEMENTATION AND ADMINISTRATION OF AN EMPLOYER-SPONSORED RETIREMENT PLAN - A system and method for implementation and administration of an employer-sponsored retirement plan that assists employers and retirement plan providers with managing their fiduciary responsibilities for an employer-sponsored retirement plan by enabling users, such as an employer and a retirement plan provider, to implement and administer an employer-sponsored retirement plan in an efficient, and cost-effective manner, by collecting and analyzing data that is pertinent to a desired employer-sponsored retirement plan; receiving notifications from a notification manager if certain conditions of the retirement plan are met; drafting a retirement request for proposal based on the categorically analyzed data about retirement plan; bidding on the retirement plan from service providers; and monitoring the selected employer-sponsored retirement plan after implementation. The method also includes steps of checking, by an employee, on the status of the employer-sponsored retirement plan; and suggesting, by the employee, to the user to utilize the method. | 2020-08-20 |
20200265387 | CONSOLIDATION OF CALENDAR APPOINTMENTS - Techniques for processing calendar availability and consolidating appointments are described herein. In some implementations, the techniques may monitor scheduling interactions of a merchant with a calendar to schedule a merchant as unavailable in the calendar at a particular time and/or to reschedule the merchant as available at a time that is designated as unavailable. Additionally, or alternatively, the techniques may consolidate a merchant's schedule by rescheduling appointments when particular criteria are satisfied. Further, the techniques may include other features to manage a calendar and/or enhance a merchant's experience in scheduling appointments. | 2020-08-20 |
20200265388 | SERVICE KIOSK - Systems, methods and tools for securely scheduling appointments, maintenance and repairs of vehicles. The system may be an automated service kiosk available 24 hours a day. A customer can schedule services, drop off and pick up keys for receiving service at any time that may be convenient for the customer, without regard for the normal operating hours of the service provider and may do so without having to interact with an employee of the service provider. Automated customer recognition may be performed using license scanning or biometric scanning. The user may select a service from a menu of services and deposit keys (or key fobs) within the kiosk system or receive keys therefrom. Upon returning to complete the service transaction customers may scan a paper or digital receipt provided during the initial scheduling of the service and tender payment via the kiosk or using digital currency. | 2020-08-20 |
20200265389 | ELECTRONIC DEVICE AND METHOD FOR AUTOMATICALLY RESPONDING TO CALENDAR EVENT NOTIFICATIONS - A method and an electronic device are provided that include receiving at the electronic device a start and an end of an out-of-office period and an out-of-office preference for responding to new invitations to events occurring during the out-of-office period received at the electronic device, receiving at the electronic device a new invitation to an event occurring during the out-of-office period, and automatically transmitting at the electronic device a response to the new invitation based on the out-of-office preference. | 2020-08-20 |
20200265390 | TICKET DISPLAYING DEVICE, KEY DATA SERVER, AND TICKET DATA SERVER - In a first aspect of the present invention, a ticket displaying device includes a clock unit, a receiving unit, a generating unit, and a display unit. The clock unit indicates the date and time. The receiving unit receives key data. The generating unit generates first ticket image data for authenticating admission rights on the basis of the date and time indicated by the clock unit and key data. The display unit displays the first ticket image data. The first ticket image data displayed on the display unit changes over time based on the date and time indicated by the clock unit. The first ticket image data displayed on the display unit shows the same changes over time as second ticket image data which is displayed by another ticket displaying device for authenticating the same admission rights as the first ticket image data. | 2020-08-20 |
20200265391 | CRYPTOCURRENCY PAYMENT SUPPORT APPARATUS, CRYPTOCURRENCY PAYMENT SUPPORT SYSTEM, CRYPTOCURRENCY PAYMENT SUPPORT METHOD, AND NON-TRANSITORY RECORDING MEDIUM - An apparatus includes an acquisition processing circuit and an identification processing circuit. The acquisition processing circuit acquires first exchange information, second exchange information, and fee information, the first exchange information allowing identification of a first exchange where a first user has an account, among exchanges that deal with cryptocurrencies, the second exchange information allowing identification of, among the exchanges, second exchanges where a second user has accounts, the fee information including information about remittance fees that are required for cryptocurrency remittances among the exchanges. The identification processing circuit identifies, among the second exchanges, a second exchange that requires a lowest remittance fee for remittance with the first exchange, based on the first exchange information, the second exchange information, and the fee information. | 2020-08-20 |
20200265392 | PEER TO PEER PAYMENT AGGREGATION AND INTEGRATION APPLICATION - This invention comprises a cloud based application programming interface facility wherein all domestic and foreign peer to peer payment systems are accessible with initial user info such as email address. This cloud based application programming interface facility allows users of disparate Peer to Peer payment systems be them domestic, International or Cryptocurrencies exchanges to exchange funds as easily as if they were using the same system. | 2020-08-20 |
20200265393 | PREDICTIVE ANALYTICS FOR ABNORMAL EVENT RESOLUTIONS - Systems are provided to utilize machine learning to identify abnormal event resolutions and provide guidance for resolution. For example, in a two-way event system, a normal response will typically close the loop on an initially generated event. However, there are cases where processing of the event uncovers contingent response strategies. In an accounting implementation, machine learning techniques are used to identify the potential of a deduction to be invalid. Machine learning algorithms are trained based on historical deductions and their resolution attributes. Models may further be used to predict whether a deduction is valid or invalid. Contingencies addressed include shortages, pricing adjustments, promotional activity, and other types of deductions that may occur in a provider, supplier, and consumer account resolution system. Automation allows focus on invalid deductions and may automatically close non-cost effective events as having been resolved without further inquiry or research. | 2020-08-20 |
20200265394 | INFORMATION PROCESSING PROGRAM, METHOD, DEVICE, AND SYSTEM - Payment processing techniques and management control techniques concerning improved split bills and cost sharing are provided. A method for performing adjustment of payment between a first user associated with a first information processing terminal registered in a group managed on a server and one or more second users associated with one or more second information processing terminals registered in the group includes displaying the one or more second users associated with the one or more second information processing terminals on a screen of the first information processing terminal, and selecting persons who accept payment from the displayed one or more second users, via an interface on the screen of the first information processing terminal. | 2020-08-20 |
20200265395 | METHOD AND SYSTEM FOR DEVICE MICROPAYMENT AGGREGATION BASED ON TANGLE NETWORK - A method for billing device usage through a data storage system and aggregation includes: receiving, in a device controller, user credentials for one of a plurality of users; detecting, by the device controller, usage parameters of a hardware device; submitting, by the device controller, a new usage transaction for usage of the hardware device to a data storage system including the user credentials and a usage fee based on the usage parameters; receiving, by an aggregator node, a plurality of usage transactions from the data storage system including the new usage transaction where each usage transaction includes user data and a fee amount; generating, by the aggregator node, an aggregated bill for each of the users including based on the fee amount included in each usage transaction associated with the respective user; and transmitting, by the aggregator node, each aggregated bill to a computing device associated with the respective user. | 2020-08-20 |
20200265396 | SYSTEMS AND METHODS FOR MODIFYING CUSTOMER ATTENTION LEVELS AT PURCHASE TRANSACTION TERMINALS BASED ON EXPRESSIONS - Systems and methods for modifying customer attention levels at purchase transaction terminals based on expressions are disclosed. According to an aspect, a method includes acquiring one or more images of a person at a purchase transaction terminal. The method also includes analyzing the image(s) to determine an expression of the person. Further, the method includes determining whether the determined expression matches a predetermined expression. The method also includes modifying a customer attention level associated with the purchase transaction terminal in response to determining that the determined expression matches the predetermined expression. | 2020-08-20 |
20200265397 | ARTICLE INFORMATION READING APPARATUS - A code-symbol reading section (reading section) reads a code symbol attached to a commodity (an article) using an image captured by a camera. A customer detecting section (detecting section) detects a change in brightness using the image captured by the camera to thereby detect approach of a customer to a self-POS terminal. A reading control section (reading control section) causes the code-symbol reading section to start operation on condition that the customer detecting section detects the change in brightness. | 2020-08-20 |
20200265398 | POINT OF SALE MODULAR PROCESSOR SYSTEM - A system and method are described for a point of sale (POS) processor system comprising a computing device, a power supply unit, and a USB hub that includes multiple USB ports that conform to the PoweredUSB standard. The power supply unit is coupled to the USB hub and includes an internal or external power supply to distribute power to the poweredUSB ports and the computing device. The USB hub includes multiple poweredUSB ports that are configured to deliver power and data connectivity to peripheral devices. The USB hub provides a connection to facilitate the transfer of data between the computing device coupled to and powered by the USB hub and any peripheral devices connected to the poweredUSB ports. | 2020-08-20 |
20200265399 | Cloud-Based Transaction Processing - A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request. | 2020-08-20 |
20200265400 | Cloud-Based Transaction Processing - A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request. | 2020-08-20 |
20200265401 | Cloud-Based Transaction Processing - A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request. | 2020-08-20 |
20200265402 | PEER-TO-PEER (P2P) PERIPHERAL COMMUNICATION CONTROL - A host establishes an up-to-date, an automated, secure, and Peer-Two-Peer (PSP) communication session with a peripheral. During the communication session, the host controls serialization, prioritization, and delivery of messages being passed. Each message providing command instructions and/or information for processing between the host and the peripheral. | 2020-08-20 |
20200265403 | PEER-TO-PEER (P2P) PERIPHERAL COMMUNICATION CONTROL - A host establishes an up-to-date, an automated, secure, and Peer-Two-Peer (PSP) communication session with a peripheral. During the communication session, the host controls serialization, prioritization, and delivery of messages being passed. Each message providing command instructions and/or information for processing between the host and the peripheral. | 2020-08-20 |
20200265404 | POINT OF SALE SYSTEM AND COMMODITY ACCOUNTING PROCESSING METHOD - A POS system includes a POS register configured to read a commodity identification code and first amount information from a tag attached to a commodity. A commodity master database stores the commodity identification code and associated second amount information. The POS register includes an accounting processor configured to perform accounting processing based on the first amount information in the event the second amount information cannot be acquired from the commodity master database. When the first amount information is not previously stored in the commodity master database, the commodity master database stores the first amount information in association with the commodity identification code responsive to reading the first amount information from the tag. | 2020-08-20 |
20200265405 | METHOD FOR READING INFORMATION FROM ELECTRONIC TAG - A method for reading information stored in an electronic tag includes (a) initiating a tag reading process during which information stored in an electronic tag is read by an electronic reading device, (b) emitting radio signals from an antenna of the electronic tag reading device toward a predetermined area while moving the antenna, and (c) after step (b), stopping the emitting of the radio signals and the moving of the antenna. Steps (b) and (c) are repeated one or more times during the tag reading process. | 2020-08-20 |
20200265406 | SYSTEMS AND METHODS FOR TRANSACTION MANAGEMENT - Systems and methods for P2P transaction functionality include transaction management. A system includes at least one processor and a storage medium storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations including identifying possible trigger transactions and creating a transaction bucket associated with the identified one or more participants. The operations also include performing calculations of amounts currently owed by each of the one or more participants, receiving a trigger event from the cardholder device. and sending notifications to the P2P service system asking for repayment based on the calculated amounts. | 2020-08-20 |
20200265407 | SYSTEMS AND METHODS FOR ASSOCIATING A P2P SERVICE WITH A CARD TRANSACTION - Systems and methods for P2P transaction functionality include associating a P2P service with a credit card transaction. A system includes at least one processor and a storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations including receiving information about a transaction from a vendor where a card was used, providing transaction data elements and an interaction schema related to authorized and posted transactions, to one or more P2P service systems, receiving from one of the P2P service systems referential data elements, and associating the received data elements with the transaction. | 2020-08-20 |
20200265408 | ANALYTICS-BASED PAYMENT OPTION SELECTION - Aspects of the present invention provide an approach for selecting a payment option. Each item of a set of items being purchased during a commercial transaction is extracted from a bill for payment. Additionally, a commercial location at which the commercial transaction is being performed is also determined. For each of a plurality of payment options associated with a purchaser, a set of attributes corresponding to the payment option is generated. Based on these attributes, a cognitive system selects an optimal payment option. This optimal payment option is the one or more of the purchaser's payment options that is determined to generate the greatest benefit for the set of items being purchased at the commercial location. | 2020-08-20 |
20200265409 | SYSTEMS AND METHODS TO SPLIT BILLS AND REQUESTS FOR PAYMENT FROM DEBIT OR CREDIT ACCOUNT - The invention relates to a method to send a split payment request directly from a paying customer's debit or credit account. According to an embodiment of the present invention, the method comprises the steps of, in a mobile payment computer application executed by an information processing apparatus comprising at least one computer processor: receiving a split payment request for a transaction; displaying a list of other customers for the split payment request; receiving a selection of one of the other customers for the split payment request; receiving a selection of a payment allocation for the selected other customer; and communicating the split payment request, the selected other customer, and the payment allocation to a remote server. | 2020-08-20 |
20200265410 | AUTOMATICALLY DELAYING PAYMENT FOR A TRANSACTION FOR AN ITEM UNTIL THE ITEM IS DELIVERED - A device generates an authorization charge for a purchase of an item, where the item is purchased via a user device associated with a customer, and the authorization charge is generated without posting the authorization charge to a record associated with the customer. The device receives, from a merchant device, the user device, or a courier device, information indicating a delivery status of the item, and provides, to the user device, the merchant device, or the courier device, a request to check the delivery status of the item. The device receives, based on the request, information indicating an updated delivery status of the item, and determines that the item was not delivered based on the updated delivery status. The device cancels the authorization charge for the purchase, and requests, from the merchant device, a charge back for the purchase of the item. | 2020-08-20 |
20200265411 | SYSTEMS AND METHODS TO USE IMAGE DATA TO PERFORM AUTHENTICATION - Image data from two different devices is used to identify a physical interaction between two users to authenticate a digital interaction between the users. | 2020-08-20 |
20200265412 | COMPUTERIZED METHOD, COMMUNICATION SYSTEM AND COMPUTER PROGRAMS FOR EFFICIENT HANDLING OF MOBILE COMMERCE - A computerized method ( | 2020-08-20 |
20200265413 | USING A COMPUTERIZED AGENT EXTERNAL TO AN INSTANT MESSAGING (IM) SERVICE FOR ENHANCING AN IM SESSION MANAGED BY THE IM SERVICE - A method of adding a computerized agent to an instant messaging (IM) session managed by an IM service for identifying automatically textual instructions to perform a transaction related to participant(s) of the IM session, comprising: using a computerized agent subscribed to an IM service by a telephone number and participates in an IM session managed by an IM service to acquire text content in an IM session and analyzing at least the text content of the IM session to identify automatically textual instructions to perform a transaction from the user which uses the IM client module, automatically instructing an operation of the transaction and submitting by the computerized agent at least one IM message in the IM session. | 2020-08-20 |
20200265414 | METHODS, SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR SPLIT PAYMENT CARD ACCOUNT TRANSACTIONS - The invention relates to methods, systems and computer program products for splitting a transaction payment between multiple payment cards or accounts while simultaneously availing of installment repayment facilities. The invention involves (i) receiving from a terminal device, information describing a payment transaction for implementation based on the plurality of payment card accounts, (ii) obtaining from each issuer, authorization for disbursement of a corresponding payment tranche, (iii) obtaining from one or more issuers associated, installment repayment arrangements offered by said one or more issuers, (iv) receiving from the terminal device, information identifying installment repayment arrangements that have been accepted by a payor, and (v) storing in a database, the information describing the payment transaction and the information identifying the one or more installment repayment arrangements that have been accepted by the payor. | 2020-08-20 |
20200265415 | TOUCHLESS VIRTUAL CARD PAYMENT AUTOMATION - A system to process virtual credit card (VCC) payments automatically is provided. Electronic delivery of VCC payment information may be transferred as electronic data representing a VCC payment to the seller (e.g., an email). Data exchange methods for VCC payments include application programming interfaces (APIs), email, files, etc. Secure processing is provided via an environment that meets rigorous security standards (e.g., Payment Card Industry (PCI) data security standards). Credentials of the sending entity establish the context that allows the system to associate the data received with the correct buyer and seller. Authentication may be provided within the context of the data transferred. Authentication may also use the sender's email address to validate the sender using a digital signature of the email contents. The system may combine digital signature validation of an email with a validation of a sending entity using the DomainKeys Identified Mail (DKIM) email authentication protocol. | 2020-08-20 |
20200265416 | SYSTEMS AND METHODS FOR PROVIDING FRAUD INDICATOR DATA WITHIN AN AUTHENTICATION PROTOCOL - A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer. | 2020-08-20 |
20200265417 | System and Method for Creating and Administering Electronic Credentials - The system may be configured to create and manage electronic credential information. The system may generate, by the computer based system and via a token engine, a first token. The system may associate, by the computer based system, the first token and the first electronic identification instrument. The system may further provision, by the computer based system and via a credential engine, a first electronic identification instrument and a first digital token associated with the first electronic identification instrument to a wallet application of a user device. The system may also provision, by the computer based system and via the credential engine, a second electronic identification instrument and a second digital token associated with the second electronic identification instrument to the wallet application of the user device. | 2020-08-20 |
20200265418 | ELECTRONIC DEVICE AND METHOD FOR PROVIDING DIGITAL SIGNATURE SERVICE OF BLOCK CHAIN USING THE SAME - An electronic device may include: a communication circuit configured to communicate with an external electronic device, a display, a memory, and at least one processor electrically connected to the communication circuit, the display, and the memory, wherein the at least one processor is configured to operate a normal OS and a secure OS, and the memory stores instructions which, when executed, cause the at least one processor to control the electronic device to: receive a signature request message corresponding to a block chain through the communication circuit in the normal OS, drive block chain management software in response to receiving the signature request message, transfer the signature request message to the secure OS through the block chain management software, configure a user authentication request screen based on a trusted application being driven in the secure OS to output the user authentication request screen to the display, create a digital signature on the signature request message in the secure OS reflecting a private key stored in the memory in response to receiving a user authentication input for the digital signature, and transfer the digitally signed message to an application related to a block chain network in the normal OS through the block chain management software. | 2020-08-20 |
20200265419 | System for Issuing and Converting Virtual Currency in Physical Voucher Manner and Method Thereof - A system for issuing and converting virtual currency in a physical voucher manner and a method thereof are provided. The system comprises a host server, a mobile device, and an application integration system connected to the host server and the mobile device. The host server comprises a first storage unit including a first database for storing a plurality of pieces of virtual currency data. The mobile device is configured to receive an authentication code from a user. The application integration system comprises a second storage unit including a second database for storing a plurality of pieces of comparison data and is configured to receive the authentication code from the mobile device, and to generate a coincident signal after analytically comparing the authentication code with the pieces of comparison data. The coincident signal is further transmitted to the host server for further analytical comparison with the pieces of virtual currency data. | 2020-08-20 |
20200265420 | SECURE REMOTE PAYMENT MECHANISM - A method of obtaining a digital product or service at a computing device is described. The computing device has a service application for the digital product or service installed on it. The service application obtains a valid authentication from a user. The service application also obtains a request for the digital product or service from the user. After this, the service application prepares a transaction authorisation request comprising a payment application cryptogram. This payment application cryptogram comprises a customer verification from the valid authentication of the user and transaction details for authorisation and settlement of a transaction for the digital product or service through a transaction processing system. The service application provides the transaction authorisation request to the transaction processing system for authorisation and settlement. A suitable computing device is also described. | 2020-08-20 |
20200265421 | SYSTEMS AND METHODS FOR PAYMENT COLLECTION FROM THIRD PARTY SOURCE - Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card. | 2020-08-20 |
20200265422 | System, Method, and Computer Program Product for Updating and Processing Payment Device Transaction Tokens - Described are a system, method, and computer program product for updating and processing payment device transaction tokens. The method includes receiving an update request to update stored transaction information, the update request identifying at least one old payment device and at least one new payment device. The method also includes generating at least one new token associated with the at least one new payment device, and linking the at least one new token to at least one old token. The method further includes receiving a transaction request including the at least one old token, and communicating the at least one new token that is linked to the at least one old token to an issuer for processing of the transaction request. | 2020-08-20 |
20200265423 | SECURE INPUT USING TOKENS - A system and method for secure input using tokens is provided. A computer-implemented method conducted at a server computer includes receiving a transaction confirmation request associated with a transaction. The method includes providing, to an end-user via an online platform, a plurality of user input options associated with the transaction. The method includes receiving, from the end-user via the online platform, a unique token associated with a selected user input option, the unique token having been obtained by the end-user inputting a selection of a user input option into an end-user token generator which is configured to generate the unique token uniquely specifying the selected user input option. The method includes validating the unique token and identifying the selected user input option with which the unique token is associated. | 2020-08-20 |
20200265424 | METHOD FOR MANAGING POINTS - According to an exemplary embodiment of the present disclosure, a method of managing points is disclosed. Operations stored in a computer program for processing the method may include: receiving user information from at least one of a merchant server and a user terminal; receiving payment information and a point commission limit from the merchant server; receiving total point information including at least one of point information based on the user information, the amount of points held for each of the point information, and a point commission rate for each of the point information from each of one or more point servers; calculating a use point amount by payment point information that is at least a part of the total point information based on the point commission limit; and transmitting a payment request based on the use point amount by payment point information to each of the one or more point servers. | 2020-08-20 |
20200265425 | SECURE AUTHENTICATION AND PAYMENT SYSTEM - A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user. | 2020-08-20 |
20200265426 | SECURE TRANSACTION CONTROLLER FOR VALUE TOKEN EXCHANGE SYSTEMS - Systems and methods that provide improved security and scalability in digital token exchange are disclosed. A secure transaction controller may include an exchange request module, exchange matching module, and exchange execution module to facilitate the exchange of different classes of value tokens. | 2020-08-20 |
20200265427 | SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS - Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed. | 2020-08-20 |
20200265428 | TERMINAL CONFIGURATION APPARATUS FOR THE REMOTE CONFIGURATION OF TERMINALS - A terminal configuration apparatus is configured to receive a merchant identifier and a manufacturer identifier from a communications device, and to locate a first terminal cryptographic key that is associated with the manufacturer identifier in a terminal database. The terminal configuration apparatus is configured to confirm, using the located first terminal cryptographic key, that the merchant identifier was signed with a second terminal cryptographic key, and to download a payload to a terminal via the communications device. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair. | 2020-08-20 |
20200265429 | SYSTEM AND METHOD FOR AUTHENTICATING A MOBILE TRANSACTION BY VERIFYING THE PRESENCE OF A REAL PERSON - A system and method for verifying the presence of a live, real individual when performing a mobile payment transaction in a more convenient and accurate manner. The system includes a mobile computing device, the mobile computing device comprises at least one light source configured to emit light through a body part of a user of the mobile computing device; at least one light sensor configured to measure reflected light from the at least one light source reflected off of blood vessels within the user; and a camera configured to capture at least one image or vide of the user to obtain a measurement indicative of changes in blood volume based on the measured reflected light and at least one image or video of a payment instrument of the user. | 2020-08-20 |
20200265430 | METHOD AND SYSTEM FOR AUTOMATED MANAGEMENT OF CREDIT AND GRANT ALLOCATION - A method for evaluating adherence to funding rules includes: storing transaction data entries, each including a controlled payment number (CPN), a merchant category code, transaction date, and transaction data, where the CPN is subject to a first spend control setting a maximum spend amount during a predetermined time interval; identifying a group of transaction data entries that includes a transaction date within a predetermined period of time; identifying a subset of the group of transaction data entries where the merchant category code is one of a set indicated in a funding adherence rule; determining an adherence score for the CPN based on a ratio of a number of transaction data entries in the subset to a number of transaction data entries in the group; and modifying the first spend control to adjust the maximum spend amount based on the adherence score and funding adherence rule. | 2020-08-20 |
20200265431 | REGISTRATION APPARATUS, A METHOD FOR REGISTERING COMMODITY INFORMATION, AND A NON-TRANSITORY COMPUTER READABLE MEDIUM - A registration apparatus for registering commodity information includes a bar code reader configured to read commodity information from a symbol attached to a commodity, a wireless tag reader configured to read tag information stored in a wireless tag attached to a commodity, a first cancel key, and a processor configured to upon reading of tag information stored in a wireless tag via the wireless tag reader, acquire commodity information associated with the tag information and register the acquired commodity information as first data, upon reading of commodity information from a symbol via the bar code reader, register the read commodity information as second data, and upon detection of the first cancel key being operated, cancel registration of the commodity information registered as the first data. | 2020-08-20 |
20200265432 | Information Security Using Velocity Attack Detection - A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold. | 2020-08-20 |
20200265433 | DETERMINING WHETHER A USER HAS POSSESSION OF A TRANSACTION CARD AND/OR WHETHER THE USER IS AUTHORIZED TO POSSESS THE TRANSACTION CARD - A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action. | 2020-08-20 |
20200265434 | TRANSACTION AUTHENTICATION METHOD - The present disclosure relates to a transaction authentication method in which a process for transaction safety is created: a consumption confirmation is sent to an authentication box from a transaction platform on which a user has a customer behavior through the internet; the authentication box notifies the user based on a default configuration; the user replies the authentication box by confirmed information; a dedicated confirmation code is replied to the transaction platform from the authentication box and the customer behavior of the user is approved by the transaction platform. | 2020-08-20 |
20200265435 | IDENTITY-BASED TRANSACTION PROCESSING - Methods and systems disclosed herein related to analyzing the risk of an identity-based transaction and offering the identity-based transaction to a risk exchange. An identity-based transaction may be a transaction that is initiated with a digital identity, and an assertions model manager may provide assertions about the digital identity for completing the identity-based transaction. The assertions model manager may use the assertions and information about the identity-based transaction to analyze transaction risk. A risk score for the identity-based transaction can be calculated, and then the identity-based transaction may be offered on a risk exchange. | 2020-08-20 |
20200265436 | METHOD AND SYSTEM FOR PROCESSING TRANSACTIONS - A method and a system for processing transactions is provided. A terminal device executes a terminal action analysis on a transaction initiated at the terminal device by way of a transaction card. The terminal device compares a fraud count of the terminal device with a threshold fraud limit. If the fraud count exceeds the threshold fraud limit, the terminal device selects a first action from a set of actions for processing the transaction. When the first action is to authorize the transaction online, the terminal device transmits transaction details of the transaction to an acquirer server. The transaction details are indicative of a result of the terminal action analysis. The acquirer server generates an authorization request including a fraud indicator and updates the fraud indicator from a first value to a second value. The acquirer server communicates the authorization request, including the updated fraud indicator, to an issuer for authorization. | 2020-08-20 |
20200265437 | IN SITU AND NETWORK-BASED TRANSACTION CLASSIFYING SYSTEMS AND METHODS - Various embodiments herein each include at least one of systems, methods, and software for in situ and network-based transaction classification. Such embodiments use advanced data analytics and machine learning techniques of consumer's transaction attributes to reduce shrink at checkout. One embodiment, in the form of a method, includes processing a dataset of transactions to identify normal transaction patterns and processing a dataset of transactions that included known fraud to identify variation patterns between the identified normal transaction patterns and the data of each transaction. The method further includes generating at least one pattern model based on the identified normal transaction patterns and the identified variation patterns. In such embodiments, each pattern model typically includes classification values for determining a likelihood of fraud in transactions. The method continues by applying the model to a current transaction to calculate a score indicative of a likelihood of fraud and outputs the score. | 2020-08-20 |
20200265438 | SYSTEMS AND METHODS FOR ESTIMATING AUTHENTICITY OF LOCAL NETWORK OF DEVICE INITIATING REMOTE TRANSACTION - A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing network security. The system may receive customer credentials in association with an attempted transaction initiated by a user device that is connected to a local network. The system may receive network identification data associated with the local network and generate a network confidence score based on the network identification data and a historical local network footprint. The system may determine a security action based on the network confidence score. | 2020-08-20 |
20200265439 | PREDICTING AND RESOLVING REQUEST HOLDS - A computing device performs a method for predictive resource request hold and proactive hold resolution. The method includes: predicting a request for a resource from a requestor; predicting a hold on fulfilling the request; and determining a preventative action to minimize actualization of the hold on fulfilling the request. Predicting the request for the resource and predicting the hold can be performed using artificial intelligence. The preventative action can include temporarily increasing a credit limit for the requestor. Where the hold is actualized, the method can further include predicting a likelihood of the hold being released and determining whether to release the hold based on whether the likelihood of the hold being released exceeds a release threshold. | 2020-08-20 |
20200265440 | TRANSACTION VALIDATION FOR PLURAL ACCOUNT OWNERS - A computer-implemented method includes receiving, by a computer device, an electronic notice of a current transaction being attempted by a first user at an electronic transaction device, the current transaction requiring access to a joint account, the first user and a second user having authority to access an asset in the joint account; comparing in real time, by the computer device, the current transaction to historical classification data; classifying in real time, by the computer device, the current transaction based on the comparing; and transmitting in real time, by the computer device, to the electronic transaction device an electronic communication indicating the current transaction is approved based on determining one of: the current transaction is classified as pre-approved; and the current transaction is classified as non-pre-approved and the current transaction does not exceed a predetermined threshold. | 2020-08-20 |
20200265441 | REFRIGERATION UNIT USAGE DIAGNOSTIC AND EVALUATION - Methods and systems for evaluation and diagnostic for a customer product are provided. Aspects include receiving, by a processor, customer usage data associated with the customer product, obtaining customer data associated with a customer business operation, analyzing, by the processor, the customer usage data and the customer data to generate a usage score card associated with the customer product, and determining an action for the customer product based at least in part on the usage score card. | 2020-08-20 |
20200265442 | SYSTEM AND METHOD FOR A VEHICLE CUSTOMER SUPPORT BLOCKCHAIN-BASED PLATFORM - A system, a method, and non-transitory computer readable medium for providing a vehicle customer service platform. The method includes storing vehicle information on a blockchain ledger, providing a user entity access to a vehicle customer service platform, and updating the blockchain ledger based on input from the user entity. | 2020-08-20 |