40th week of 2017 patent applcation highlights part 64 |
Patent application number | Title | Published |
20170286927 | METHOD AND DEVICE FOR ONLINE PAYMENT - A method for online payment includes: setting a safe payment system account that enables a safe payment environment, wherein applications running and installed under the safe payment system account pass safety verification; and logging into the safe payment system account, and performing payment operations under the safe payment system account. | 2017-10-05 |
20170286928 | WIRELESS SYSTEMS AND METHODS FOR BILL PAYMENT - Methods, systems and devices for creating an electronic payment transaction of a bill are described. The bill may be a paper bill and an image of the bill may be captured with a user device and sent to a server. The user device may also obtain and send location information to the server. One method includes the server receiving the image of the bill; analyzing the received image to determine at least a billed amount; determining a retailer associated with the billed amount; sending a request to the user to confirm at least the billed amount; and in response to receiving confirmation from the user of a confirmed payment amount, creating an electronic payment transaction. | 2017-10-05 |
20170286929 | METHOD AND SYSTEM FOR DIGITAL MONEY MANAGEMENT FOR A PAYMENT ACCOUNT - A method for managing account savings via authorization holds includes: storing an account profile related to a transaction account including an account identifier and primary account number; receiving a savings request including the account identifier and savings data; identifying a starting amount, goal amount, and period of time based on the savings data; generating a first transaction message including the primary account number starting amount; transmitting the first transaction message to a financial institution associated with the related transaction account; generating a second transaction message including the primary account number and goal amount; and transmitting the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message. | 2017-10-05 |
20170286930 | AUTOMATED FINANCIAL TRANSACTIONS - Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed. | 2017-10-05 |
20170286931 | AUTOMATED TELLER MACHINE CONTROL SERVER NATIVE FORMAT - The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM. | 2017-10-05 |
20170286932 | Method and Electronic Device for Unified Settlement of Online Shopping - The present disclosure discloses a method and device for unified settlement of online shopping. The method includes the following steps: a first identification step for identifying a behavior that a user adds a desired virtual commodity into a shopping cart of; a second identification step for identifying a behavior that the user adds a desired physical commodity into the shopping cart; and a settlement step for settling in a unified way the money amount of the a virtual commodity and the physical commodity paid by the user in one time. According to the present disclosure, the commodity settling system of the shopping website can be simplified; an additional novel settling system does not need to be developed for the a virtual commodity; and the labor of workers for maintenance is greatly reduced. | 2017-10-05 |
20170286933 | CONTENT PROTECTION - To protect digital content, a content player is installed on a content user device. A unique identifier for the content player installed on the content user device is provided to a central content storage entity. A license to play proprietary digital content stored on the central content storage is purchased from a storefront on the central content storage entity. The proprietary digital content includes an original work of authorship protectable by copyright. Content-player-specific digital content from the central content storage is downloaded to the content user device. The content-player-specific digital content includes encoded content of the proprietary digital content embedded with the unique identifier. The content player confirms that the unique identifier embedded with the encoded content matches the unique identifier provided for the content player before allowing play of the proprietary digital content on the content player. | 2017-10-05 |
20170286934 | PAYWINDOWS - A method of controlling access to a plurality of digital content items by a plurality of consumers on devices connected to a network, the method including: in a network browsing program on a processor connected to the network: enabling access for a first of the plurality of consumers to one or more of the plurality of digital content items via online computer software attached to the one or more of the plurality of digital content items; displaying an identifier of the one or more of the plurality of digital content items together with an image of a plurality of selectable alternatives for making payments to enable access to the one or more of the plurality of digital content items, wherein the alternatives are selected from paying at least one of money and attention; and in response to the first consumer selecting one of the alternatives, the online computer software verifying proof of work of the payment money and attention. | 2017-10-05 |
20170286935 | REAL-TIME SERVICE PROCESSING - A kiosk provides a consumer-facing interface for interacting with a consumer to take an order at an enterprise location. A device identifier for a consumer-operated device and order details for the order are received through the consumer-facing interface and communicated to a remote order integration manager executing on a server external from the kiosk. The order integration manager interacts with an enterprise service system and provides updates on the order in real time to the consumer through the consumer-operated device using the device identifier. | 2017-10-05 |
20170286936 | System and Method for Dispensing and Purchasing Fuel - A system for purchasing fuel is provided. The system includes, but is no limited to, a local device for retrieving identification information which identifies a fuel dispensing station, the identification information containing information identifying the fuel dispensing station from which fuel is desired to be purchased, and a remote server connected with the local device. Upon receiving the identification information at the local device, the local device automatically forwards the identification information along with a unique identifier to the remote server. The remote server generates and transmits an unlock code to the fuel dispensing station. The unlock code signals the fuel dispensing station to dispense fuel. | 2017-10-05 |
20170286937 | Redemption Network with Transaction Sequencer - A transaction sequencer that comprises a processor, a non-transitory memory, and an application stored in the non-transitory memory. The application receives a message comprising information about a first purchase item, wherein the message was created by a point-of-sale after a filtering step that assured that the first purchase item is associated with a master approved item list, searches a plurality of different approved product lists using the information about the first item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, creates a first transaction based on finding the first item in the first approved product list, transmits the first transaction to a first transaction processing system, receives a first response from the first transaction processing system, bundles the first response in a unified response, and transmits the unified response. | 2017-10-05 |
20170286938 | USER DEVICE ENABLING ACCESS TO PAYMENT INFORMATION IN RESPONSE TO MECHANICAL INPUT DETECTION - In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card). | 2017-10-05 |
20170286939 | WEIGHING DEVICE - A weighing device which recognizes generation of fraud which makes the weight of a commodity registered for sales appears to be lighter is provided. When a weighing unit weighs weight of a commodity (article), a weighing fraud recognition unit recognizes that there is generation of weighing fraud that makes the weight of the commodity appear to be lighter than actual weight or a possibility of the generation of the weighing fraud. When the weighing fraud recognition unit recognizes that there is the generation of the weighing fraud or the possibility of the generation of the weighing fraud, the weighing indeterminacy unit does not determine the weighing performed by the weighing unit. | 2017-10-05 |
20170286940 | PAYMENT REGISTER SYSTEM AND METHOD OF OPERATING A PLURALITY OF PAYMENT REGISTERS - Described is a payment register system that can be used for accepting payment for one or more restricted items in a retail store. The payment register system includes one or more local payment registers and a remote monitor and control unit in electrical communication with each of the local payment registers. Each of the local payment registers is either operated by a local cashier, who may be under the age required to sell restricted items, or, one or more of the local payment registers may be “self-checkout” payment registers that do not have an assigned cashier. The remote monitor and control unit is used by a remote cashier to operate the local payment register, and authorize and ring up sales of restricted items that the local cashier may not be authorized to handle. | 2017-10-05 |
20170286941 | SPLITTING GROUP CHARGES - A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. The method may comprise receiving, by a bill splitting computer-based system, a single record of charge (ROC) associated with a purchase by one or more members of a group, and splitting, by the bill splitting computer-based system, the ROC between the members of the group. | 2017-10-05 |
20170286942 | SAFE FOOD ORDERING BY VOICE WHILE DRIVING - Techniques for safe food ordering by voice while driving are described. A customer driving a vehicle decides to order food from a restaurant. The customer launches a food-ordering app on the customer's smartphone. The app detects that the vehicle is moving, disables manual input into the smartphone, and connects to a terminal at a call center. A customer service representative (“CSR”) at the call center communicates with the customer using spoken language to obtain the details of the food order, enters the food order into an ordering system, and transmits the food order via the ordering system to the restaurant for fulfillment. Finally, the customer picks up the ordered food at the restaurant, possibly using a drive-thru window at the restaurant. Thus, the customer is able to complete an order for food without having to stop driving and without averting their eyes from the road. | 2017-10-05 |
20170286943 | COMBINED RELIABLE AND UNRELIABLE DATA TRANSMISSION - A payment reader and a merchant device may communicate over a wireless connection. Reliable and unreliable packets may be transmitted over a single messaging path. Each of a plurality of unreliable packet may include a data payload and a packet identifier. The unreliable packets and a reliable packet may be transmitted over the single messaging path during a first connection event. A response to the reliable packet may be received during the second event and may include a received packet listing. If the received packet listing indicates that any of the unreliable packets were not received, any unreliable packet that was not received may be retransmitted. | 2017-10-05 |
20170286944 | SECURE TRANSFER OF PAYMENT DATA - This disclosure relates to a payee applications and payment applications installed on a mobile communication device. The device authenticates the payee application with a transaction server and sends transaction data to the transaction server. The device then receives from the transaction server a transaction identifier and sends the transaction identifier to a payment application installed on the mobile communication device to allow the payment application to access the transaction data from the transaction server. In response, the device receives from the payment application a payment confirmation associated with the transaction identifier and sends to the transaction server a request for payment status, the request comprising the transaction identifier. Finally, the device receives response data indicative of the payment status from the transaction server and determines a validity of the payment confirmation based on the response data from the transaction server. | 2017-10-05 |
20170286945 | FORM FACTOR WITH AN ALIAS CODE AND A SECURE CHIP ID - Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device. | 2017-10-05 |
20170286946 | METHOD, APPARATUS AND COMPUTER PROGRAM PRODUCT FOR VIRTUAL CARD PAYMENT - A method, apparatus and computer program product are disclosed. The method includes determining user information, generating a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquiring a first parameter that includes information to verify transaction validity. The apparatus includes a communication interface, and a processor that determines user information, generates a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquires a first parameter that includes information to verify transaction validity. The computer program product includes a computer readable storage medium that stores code to determine user information, generate a virtual card that is bound to a payment application and has a mapping relationship to a bank card, and acquires a first parameter that includes information to verify transaction validity. | 2017-10-05 |
20170286947 | Contactless Smart-card Reader with Security and Hybrid Multi-core Parallel Verifying Process - A contactless smart-card reader with security and hybrid multi-core parallel verifying process is provided. The reader obtains a card number via an antenna and a card-recognizing unit. The reader has multiple issuer-SAM controllers and a maincontroller to synchronously compute authentication codes under a multiplexing-mode. The maincontroller verifies the contactless smart-card by the authentication codes one-by-one to obtain a correct authentication code authorized by the contactless smart-card. When the correct authentication code is generated by any one of the issuer-SAM controllers, said issuer-SAM controller performs the compounded-security-access-software program. When the correct authentication code is generated by the maincontroller, the maincontroller performs the dedicated-security-access-software program. | 2017-10-05 |
20170286948 | Contactless Payment Method, Apparatus, And System - A contactless payment method, apparatus, and system, belonging to the communications field, where the method includes obtaining a payment amount of a transaction, determining, from limit intervals corresponding to at least two default contactless payment applications, a limit interval within which the payment amount falls, obtaining an application identifier of a first default payment application, where the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls, and sending the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier. Problems of a complex payment process and relatively low payment efficiency are resolved, and effects of simplifying a payment process and improving payment efficiency are achieved. | 2017-10-05 |
20170286949 | METHODS AND SYSTEMS FOR PERFORMING A TRANSACTION - A computerised method for performing a transaction is disclosed. The method comprises: generating, by a merchant billing machine at a merchant location, transaction data comprising a transaction cost and identifying, via the merchant billing machine, a customer digital wallet and/or number for a customer mobile device. The merchant billing machine then communicates the transaction data and identification of a merchant digital wallet to the customer digital wallet and/or customer mobile device. A digital wallet server receives, upon authorisation of the transaction via the customer mobile device, the transaction data and merchant digital wallet identification along with details of a customer payment vehicle and transfers the transaction cost from the customer payment vehicle to the merchant digital wallet. | 2017-10-05 |
20170286950 | SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT INSTRUMENT REPOSITORY - Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet. | 2017-10-05 |
20170286951 | Dynamic Delivery Authorization for Cryptographic Payments - A dynamic delivery authorization system for cryptographic payments comprising: a merchant cashier system configured to allow a merchant controlling the delivery authorization dynamically in conjunction with cryptographic payment confirmations, an intermediary processing system supporting merchants to accept cryptographic payments from consumers utilizing cryptographic wallets to pay for purchases, a cryptographic payment server configured to receiver purchase request from the cashier system, manage the accrual of cryptocurrency network blockchain confirmations, maintain a merchant configurable, order specific and real-time payment and delivery authorization statuses used by merchant payment and delivery authorization system to authorize the release of tangible and intangible goods and services relative to the risk level set by the merchant for each order placed within the cashier system. | 2017-10-05 |
20170286952 | METHOD AND SYSTEM FOR NOTIFICATIONS TRIGGERED USING DATA TRACKING ALGORITHMS - A method for monitoring for unwanted recurring transactions includes: storing account profiles, each including a primary account number, communication details, and transaction data entries having data related to a completed transaction including a paid amount, merchant identifier, and indication of being a recurring or non-recurring transaction; receiving a transaction message related to a payment transaction, the transaction message including a specific primary account number, transaction amount, specific merchant identifier, and indication of a recurring payment transaction; identifying a specific account profile that includes the specific primary account number; determining a likelihood of an unwanted recurring payment based on a lack of transaction data entries in the specific account profile that include the specific merchant identifier and an indication of being a recurring transaction; and transmitting a notification to a computing device based on the communication details included in the identified specific account profile, the notification indicating the unwanted recurring transaction. | 2017-10-05 |
20170286953 | LOCATION BASED AUTHENTICATION - A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated. | 2017-10-05 |
20170286954 | METHOD AND SYSTEM OF AUTHENTICATION OF ELECTRONIC PAYMENTS - In one aspect, a computerized system for authentication of an electronic payment on a computing device, the system includes a computer memory in the computing device a payment page. The payment page includes at least one element, from the financial institution in response to the initiation. Each of the at least one element corresponds to a mode of authentication of an electronic payment. The payment page is received by the computing device from a remote server. A computer processor in the computing device, which computer processor is coupled to the computer store and programmed to detect an initiation of the electronic payment on the computing device, the electronic payment comprising payment from an account at a financial institution. The computer processor is programmed to obtain the payment page from the computer memory. The computer processor is programmed to identify a presence of a first element corresponding to a first mode of authentication on the payment page, wherein the first mode of authentication comprises receiving a first credential in the computing device after the initiation. The computer processor is programmed to receive a selection of the first mode of authentication. The computer processor is programmed to scan a set of incoming messages in the computing device for the first credential. The computer processor is programmed to extract the first credential from a message comprising the first credential. The computer processor is programmed to enter the first credential into a second interface optimized for a display of the computing device that is displayed in response to the selection of the first item. The computer processor is programmed to communicate the first credential to the payment page, for authentication of the electronic payment. | 2017-10-05 |
20170286955 | Systems, Methods and Devices for Trusted Transactions - The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and/or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc. | 2017-10-05 |
20170286956 | CROSS-CHANNEL SECURITY AUTHENTICATION - Various embodiments each include at least one of systems, devices, methods, and software for cross-channel security authentication, such as with regard to providing of payment card (e.g., credit and debit card) data for payment within a transaction. One such embodiment, in the form of a method includes receiving, by a payment account app on a mobile device, a payment authorization request and subsequently receiving approval or denial input within the payment account app following receipt of valid payment account authentication input. This method, following receipt of approval input, further includes generating authorized payment output to provide in response to the received payment authorization request. | 2017-10-05 |
20170286957 | Mutual Authentication of a User and Service Provider - The present invention relates to a method and system for mutual authentication of a user and service provider, said method comprising acts of: authenticating an event by a key generation module (KGM), said event is generated on a computing device by a user, sending a shared secret of registered user for the event by an authentication server to the key generation module (KGM), generating one time key by the KGM for the event, transmitting the one time key by appending the shared secret to registered user mobile device, and performing at least one of: authenticating the user for said event by the KGM when a registered user enters the one-time key on the computing device within a predetermined time period, or terminating the event upon receipt of predefined key sequence from the mobile device. | 2017-10-05 |
20170286958 | Methods and Systems for Secure Payment Processing - Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized. | 2017-10-05 |
20170286959 | SYSTEMS AND METHODS FOR VERIFYING AN IDENTITY RECORD - A system and method for verifying an identity record is provided. The system includes a data server configured to submit first and second data elements associated with an unverified identity record to first and second third party servers, respectively. The data server then receives from the first and second third party servers, at least one additional data element and at least one further data element being associated, at the first and second third party servers respectively, with the first and second data elements. A comparing component then compares the received at least one additional data element and at least one further data element with at least corresponding data elements associated with the identity record and a flagging component flags the identity record as a verified identity record if the received at least one additional and further data elements match the at least one corresponding data element. | 2017-10-05 |
20170286960 | Methods, Systems and Products for Authentication - Multiple authentication procedures enhance security of Internet transactions. For example, a request is received from a customer to access a service. A first authentication request is sent to the customer for first authentication information. A second authentication request may be sent to the customer for second authentication information. The method then enables the customer to proceed with accessing the service if the second authentication information is received. | 2017-10-05 |
20170286961 | ELECTRONIC FRAUD PREVENTION SYSTEMS AND METHODS - A method, a non-transitory computer readable medium with computer executable instructions stored thereon, and a fraud prevention processor each prevent electronic fraud. An electronic communication is received from a resource via a network and it is determined whether the electronic communication includes a premium amount. When the electronic communication includes the premium amount, a difference between this premium amount and a captured premium amount received from a consumer is determined, and when the difference is greater than a predefined threshold, an alert is generated and sent to the consumer indicating the difference. | 2017-10-05 |
20170286962 | Bulk Dispute Challenge System - In one example, a bulk dispute challenge system may select disputes to challenge from a bulk set of dispute events based on a probability of success and a return on investment. The bulk dispute challenge system may receive a dispute success model that calculates a predicted probability of success for disputes generated by applying a machine learning model to a training data set featuring multiple attributes describing data characteristics of disputed events. The bulk dispute challenge system may apply the dispute success model to a dispute of a dispute set. The bulk dispute challenge system may calculate a predicted probability of success for a dispute challenge. The bulk dispute challenge system may perform a dispute decision for the dispute based in part on the predicted probability of success and a dispute return on investment. The bulk dispute challenge system may execute the dispute challenge to the dispute based on the dispute decision. | 2017-10-05 |
20170286963 | METHODS FOR PLACING A PRECONDITION OVER COLLATERAL - Described are methods for placing a precondition over collateral. Such methods include the steps of receiving, at a first point in time, initiation details of a transfer initiated by an initiator, the initiation details comprising a payment vehicle reference, transfer identifier and a transfer value, and sending the payment vehicle reference, transfer identifier and transfer value to a transfer network. Afterward, one transfer securement server is determined, from a plurality of transfer securement servers each administered by a transfer securement administrator, based on the payment vehicle reference, the one transfer securement server being associated with the payment vehicle reference. | 2017-10-05 |
20170286964 | Biometrics-based Recognition and Reward System and Method - A method for recognizing a first party by a second party and rewarding the first party for such recognition, the first party including at least one biometric identifier, the method including performing, by the first party, an action, determining, by the second party, whether the action performed by the first party is a recognizable action, when the action is a recognizable action, making an identification of the first party using the biometric identifier and, based on the identification, awarding the first party points through a rewards program platform. | 2017-10-05 |
20170286965 | SYSTEM AND METHOD FOR TRACKING AND SECURING THE PURCHASE AND SALE OF CONTROLLED SUBSTANCE - A protection system for tracking and securing the purchase and sale of a controlled substance. The system includes a network and a database that stores information of a plurality of customers. The information regarding each customer is stored in an individual account, and the database further stores the information regarding government regulations on purchase and sale of the controlled substance. Also, the system includes a plurality of end user terminals to record transactions of the controlled substance. There is a server in communication with the database and the end user terminals over the network. The server includes a compliance reporting system. The compliance reporting system executes instructions to compare, in real time, information about one customer and the transaction to information stored in the database regarding the government regulations and the customer. In one embodiment, the system prevents the purchase of the controlled substance based on the comparison. | 2017-10-05 |
20170286966 | SYSTEMS AND METHODS FOR SECURE AUTHENTICATION OF TRANSACTIONS INITIATED AT A CLIENT DEVICE - A method for authenticating a cardholder for a candidate purchase using an authentication computing device in communication with a memory is provided. The method includes receiving an authentication profile associated with the cardholder during an enrollment process for an authentication service, storing the authentication profile within the memory, and receiving an authentication request for the candidate purchase over a first communication link. The candidate purchase is initiated at a client device. The method further includes retrieving the stored authentication profile from the memory, generating a challenge message based on the stored authentication profile, transmitting the challenge message to a user device over a second communication link, receiving a challenge response including authentication information collected from the user device, comparing the collected authentication information to the stored authentication profile, and authenticating the cardholder for the candidate purchase based on the comparison. | 2017-10-05 |
20170286967 | WEARABLE TECHNOLOGY DEVICE-BASED BEHAVIORAL ANALYSIS AND HEURISTIC FEEDBACK - An aspect of wearable technology device processes includes receiving, by a wireless receiver of a wearable technology device, a transaction authorization request and a transaction amount from a contactless transaction terminal. An aspect also includes comparing the transaction amount with a current balance associated with an account of an individual corresponding to the wearable technology device. Upon determining the transaction amount causes the current balance to fall below a limit specified by user-defined settings, an aspect includes retrieving a set of a plurality of tired confirmation prompts from a memory of the wearable technology device, and displaying, via an output component of the wearable technology device a first confirmation prompt from the set. The first confirmation prompt is displayed at a first time interval and before completion of the transaction. Each succeeding confirmation prompt provides increased emphasis in its content or presentation. | 2017-10-05 |
20170286968 | SELECTIVE PRESENTATION OF REAL-TIME CONTACT OPTIONS BASED ON USER AND SYSTEM PARAMETERS - Embodiments for presenting real-time contact options are described generally herein. The system receives information from a first user about an offered item via a web page and communication preferences for use with a real-time contact option to be presented on the web page, whereby the communication preferences including a first-user-defined real-time contact option presentation condition. The system selectively presents to a second user the information about the offered item and the real-time contact option based on a determination that the first-user-defined real-time contact option presentation condition is satisfied. The system enables the second user to select the real-time contact option. In response to the second user selecting the real-time contact option, the system communicates to the first user a real-time contact request and information identifying the second user. | 2017-10-05 |
20170286969 | System and Method for Device Specific Customer Support - A method of routing a voice communication from an information handling system to one of a plurality of queues includes automatically obtaining an identifier from the information handling system that uniquely identifies the information handling system, and transmitting the identifier so that the voice communication can be routed to one of the queues. | 2017-10-05 |
20170286970 | ANSWER-SUGGESTION SYSTEM FOR AUTOMATICALLY RESOLVING CUSTOMER REQUESTS - The disclosed embodiments relate to a system that suggests helpful articles to automatically resolve a customer request. During operation, the system receives the customer request, wherein the customer request is associated with a product or a service used by the customer. Next, the system determines whether the customer request matches one or more similar previously received customer requests. If so, the system identifies one or more helpful articles that were useful in resolving the one or more previously received customer requests, and then uses the one or more helpful articles to generate a set of suggested articles. Finally, the system presents the set of suggested articles to the customer to facilitate automatically resolving the customer request. | 2017-10-05 |
20170286971 | STATE VALUE INDEXING INTO AN ACTION DATABASE - An example system includes system circuitry that includes an action database. The action database may include an action entry that stores an action for use by a call agent as part of a diagnostic process and an index value associated with the action. The index value may be indicative of a particular state of the diagnostic process. The system circuitry may obtain a state value indicative of a current state of the diagnostic process. The system circuitry may identify the action entry by matching the state value for the diagnostic process to the index value of the action entry. Then, the system circuitry may retrieve the action of the action entry for use in the diagnostic process. | 2017-10-05 |
20170286972 | ARTICLE-SUGGESTION SYSTEM FOR AUTOMATICALLY RESOLVING CUSTOMER-SERVICE REQUESTS - The disclosed embodiments relate to a system that suggests helpful articles to resolve a customer request. During operation, the system receives the customer request, wherein the customer request is associated with a product or a service used by the customer. Next, the system feeds a set of words from the customer request through a model to generate a request vector comprising numerical values representing words in the customer request. The system then compares the request vector against article vectors representing articles in a set of help center articles to determine whether the customer request matches one or more help center articles. If the customer request matches one or more help center articles, the system presents the one or more help center articles to the customer to facilitate automatically resolving the customer request. | 2017-10-05 |
20170286973 | Method and Device for Detecting Theft of Resources - Embodiments of the present invention provide a method and an electronic device for detecting resource embezzlement. The method includes: acquiring a running record for resource embezzlement detection; and if the running record records a detection task interruption tag, reading information of a detection object that has been detected from the running record, acquiring information of all detection objects involved in the detection task, determining at least one to-be-detected object according to the information of the detection object that has been detected and the information of all the detection objects, and performing resource embezzlement detection on the at least one to-be-detected object. By adopting the embodiments of the present invention, an interrupted detection task may be continuously performed from a position where a previous detection stops, thereby preventing a detection object that has been previously detected from being repeatedly detected, increasing resource utilization rate, and improving detection efficiency. | 2017-10-05 |
20170286974 | METHOD AND AUTHENTICATION SYSTEM FOR REGISTERING A RANDOM SECURITY FEATURE - The invention relates to a method and an authentication system for registering a random security feature ( | 2017-10-05 |
20170286975 | Data Infrastructure and Method for Estimating Influence Spread in Social Networks - A system and method are provided for determining influence spread in social networks. The method includes generating a plurality of samples using a computing device, each sample corresponding to a collection of all edge weights for a social network graph topology; and allocating, by the computing device, the plurality of samples into at least one batch, a size of which is being determined according to a number of threads and global memory space available in a multi-processor platform. For each batch, the method includes parallel processing the samples in that batch using the multi-processor platform to generate results corresponding to a spread of each graph node per sample in that batch; storing results of that batch in the global memory accessible to the multi-processor platform; and sending the results to the computing device. The method also includes computing, using the computing device, an average spread of each node across all samples in all batches; and determining, from the average spreads, one or more nodes having a largest spread. | 2017-10-05 |
20170286976 | Integrated Tracking Systems, Engagement Scoring, and Third Party Interfaces for Interactive Presentations - Systems and methods for tracking user interaction in a presentation may be provided. A presentation may be augmented to include user interaction tracking features, which facilitate tracking of a user's clickstream and browser session data generated during the playback of the presentation. A player may be configured to play the presentation and to track the user's browser session and clickstream data. The presentation player may be configured to dispatch this tracking data to a tracking server system. The server may be configured to facilitate calculation of an engagement score based on the tracking data, which indicates the user's level of engagement with the presentation. The engagement score and at least portions of the tracking data can be transmitted to a third party system, such as a marketing automation system, to trigger a responsive event. The responsive event may be generated based at least in part on the engagement score. | 2017-10-05 |
20170286977 | CONSUMPTION BASED SUBSCRIPTION FREQUENCY RECOMMENDATIONS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for consumption based subscription frequency recommendations. A system configured to practice the example method first evaluates purchase statistics for an item to determine a consumption frequency. The system receives from a user a request for the item, and presents to the user a subscription recommendation based on the consumption frequency. The system can also provide recommendations for accessories by evaluating purchase statistics for an item to determine an accessory for the item, wherein a number of times the accessory is purchased with the item exceeds a threshold, receiving from a user a request for a subscription for recurring purchases of the item, and presenting to the user a recommendation to include the accessory as part of the subscription. | 2017-10-05 |
20170286978 | IDENTIFYING TRENDING TOPICS - A trend system generates external trend information for different topics that may be related to merchant items offered by a merchant. External trend information is generated based on content items obtained from sources that are separate from the merchant. Periodically the trend system determines an interest growth rate for a topic based on the external trend information. If the interest growth rate determined for the topic is above an interest threshold, the trend system recommends to the merchant starting a campaign related to the topic. | 2017-10-05 |
20170286979 | ARCHITECTURE FOR PREDICTING NETWORK ACCESS PROBABILITY OF DATA FILES ACCESSIBLE OVER A COMPUTER NETWORK - Methods for predicting network access probability of data files accessible over a computer network are provided. In one aspect, a method includes generating a primary data vector for a media file based on a stored data representation of the file, and providing the data vector for the file to an algorithm that uses past interaction information for at least one other media file from a collection of media files having a degree of similarity with the media file above a threshold similarity value. The method also includes receiving, as an output of the algorithm, a marketability score for the media file, the score indicative of a likelihood that a user will download the media file. Systems and machine-readable media are also provided. | 2017-10-05 |
20170286980 | EVALUATING IMPACT OF IN-STORE DISPLAYS ON SHOPPING BEHAVIOR - Data from disparate sources including panel data, display audit data, point of sale data, trade area data, and store data are combined and analyzed to derive a model that relates in-store display attributes to individual shopping behavior. In particular, techniques are proposed for linking information about in-store displays with shopping data for individual consumers in order to create a model characterizing whether purchasing behavior for a particular shopper, trip type, and/or the basket contents are influenced by a particular in-store display. These inferences can further be projected onto a larger population or trade area to predict impact of different promotional strategies using in-store displays. | 2017-10-05 |
20170286981 | System And Method For Analyzing Geopolitical Attributes Over Time Via A Digital Computer - A system and method for analyzing geopolitical attributes over time via a digital computer is provided. Markets of interest are identified. Qualitative data regarding one or more attributes is received for each of the markets of interest at predefined time periods. A score is determined for each market based on the qualitative data for that market. The score for each market is then classified as having a location desirability value. The scores and the location desirability values are displayed for each of the markets at each of the predetermined times. | 2017-10-05 |
20170286982 | SYSTEM AND METHOD FOR TERRITORY ASSIGNMENT - Systems and methods for managing territory assignment for a CRM system. Customer data may be loaded from the CRM system to a memory device and mapped to data fields of the memory device. Rides may be received and executed to process customer data to determine territory of each account in the customer data. The territory information may then be stored in a territory management database and synchronized to the CRM system and other CRM systems. | 2017-10-05 |
20170286983 | SYSTEM AND METHOD FOR AGGREGATION, ANALYSIS, PRESENTATION AND MONETIZATION OF PRICING DATA FOR VEHICLES AND OTHER COMMODITIES - Embodiments of systems and methods for the aggregation, analysis, display and monetization of pricing data for commodities in general, and which may be particularly useful applied to vehicles are disclosed. Specifically, in certain embodiments, historical transaction data associated with a particular vehicle configuration may be obtained and processed to determine pricing data associated with the vehicle configuration. The historical transaction data or determined pricing data may then be presented in an intuitive manner. | 2017-10-05 |
20170286984 | CAMPAIGN DRIVEN OFFER DISTRIBUTION SYSTEM - Systems and methods for providing campaign driven offer distribution include receiving, from a service provider device associated with a service provider, first campaign information for a first campaign. A first offer that has been configured to be irredeemable by the first customer and that includes a first offer condition associated with the first campaign information that must be satisfied to reconfigure the first offer to be redeemable by the first customer is provided for display on a first customer device. A notification indicating the first offer condition has been satisfied is received. In response to receiving the notification indicating the first offer condition has been satisfied, the first offer is reconfigured to be redeemable by the first customer. A notification indicating a status change with the first offer that causes the first offer to be displayed on the first customer device is communicated to the first customer device. | 2017-10-05 |
20170286985 | DELIVERING PROMOTIONS ASSOCIATED WITH USER PROFILES THROUGH MULTIPLE DIGITAL CHANNELS ASSOCIATED WITH THE USER PROFILES - Multiple copies of the same coupon are delivered to a consumer simultaneously via different delivery channels. After one copy of the coupon has been presented in connection with a transaction and used, the coupon is marked as used with respect to all delivery channels for that consumer. Different copies of the coupon can have different coupon identifiers, for example when delivered through different channels. Consumers also can access such multichannel coupons without having to login each time they wish to access their coupons from multiple channels. In one implementation, each consumer has a user profile. A promotion is associated with that consumer's user profile. Each user profile also is associated with different channel identifiers representing communication channels to deliver instances of the promotion to the consumer. Each delivered instance of the promotion includes a coupon identifier associated with the promotion. | 2017-10-05 |
20170286986 | CUSTOMER CONTROLLED INCENTIVE OFFER COMPETITION - Systems and methods for responding to requests for offers from a shopper. A request with a list of items in which the shopper indicated an interest during a shopping visit and an identification of the shopper are received from a device associated with a shopper. Characteristics of the shopper are evaluated based on the indication of the identification. The at least one characteristic is associated with a definition of an offer to offer to the shopper. At least one offer to extend to the shopper is determined based on at least one item listed in the list of items and based on the evaluating. The at least one offer is conditioned upon a specified purchase that is associated with at least one item within the list of items. The at least one offer to the device associated with the shopper is sent based on determining at least one offer. | 2017-10-05 |
20170286987 | Methods And Systems For Determining Rewards For Consumers - Methods and systems are disclosed for real-time calculation of rewards associated with a commercial transaction. A real-time calculation of rewards can be associated with card payment transactions occurring on a payment account. In an aspect, a customer swiping their bank card at a merchant point of sale to initiate an authorization for a purchase can trigger notification and deliver of rewards associated with the pending commercial transaction. | 2017-10-05 |
20170286988 | Profit Share Card - A method of promoting a business of goods and services by a business entity is provided. The method involves sharing a proportion of the profit made by the business entity from a customer with the customer, wherein a proportion of the bill amount incurred by the customer is credited to an account/record associated with the customer and the customer could redeem a certain proportion of the accumulated balance in his/her record during their subsequent purchases. The shared profit could entice potential customers and bring back the old customers, without the need for the business entity to spend on advertisements, or providing discount coupons and vouchers. | 2017-10-05 |
20170286989 | CUSTOMER GROUPS AND SALES PROMOTIONS - An online transaction processing service may be used by a merchant to process payments for purchase transactions. The service may also support the merchant in other ways, such as by managing sales promotions and points-based loyalty programs. The service is configured to recommend the number of points to be redeemed for a particular sales promotion. The recommendation may be based on promotional goals of the merchant, on the number of reward points held by the customers of the merchant, on historical redemption rates by qualifying customers, etc. | 2017-10-05 |
20170286990 | POINT MANAGEMENT SYSTEM AND POINT MANAGEMENT METHOD - There are provided a point management system and a point management method allowing effective use of points acquired by a customer, etc., and prevention of a waste in points. Therefore, exchange for various points or points having acquired a digital ticket is possible, exchange using foreign currency is possible, and the number of points desired to be traded for each type of currency, and a rate as a standard for exchange of each type of currency to one point are displayed on an exchanging currency selection screen. A standard number of points converted to one US dollar, one European euro, and one Chinese yuan, for example, is displayed, making it easy to understand transaction conditions under succeeding sales transaction status. Moreover, for example, point exchange conditions are displayed as a list and confirmed, thereby allowing specification of one's own exchange conditions, and allowing exchange of points etc. based on specification of accepted exchange conditions. | 2017-10-05 |
20170286991 | SYSTEMS AND METHODS FOR PROMOTIONAL PROGRAMS - Exemplary embodiments are directed to managing promotional programs. A promotion card is associated with at least one promotional program. Eligibility of one or more items is determined based on rules associated with the promotional program. A payment amount is calculated based on the eligibility of the items and the rules of the promotional program. | 2017-10-05 |
20170286992 | SYSTEM AND METHOD FOR CODED TRANSACTION PROCESSING - An coupon distribution and processing platform system allows its members/constituents to receive services associated with the purchase of consumer products. Specifically, a user, registered with the system, accesses an account and electronically selects one or more coupons to be associated with a card device. Thereafter, when the user's card device is scanned at a particular retail entity, the accounts associated with the user and retail entity are credited, while the account associated with the manufacturer is debited. Further, the user, the manufacturer, and the retail entity, each having a corresponding account, may select one or more services provided by with the system website. | 2017-10-05 |
20170286993 | Methods and Systems for Inserting Promotional Content into an Immersive Virtual Reality World - An exemplary virtual reality media system provides, for display on a display screen of a media player device associated with a user, a field of view of an immersive virtual reality world generated from and including camera-captured real-world scenery. The field of view includes content of the immersive virtual reality world and dynamically changes in response to user input provided by the user as the user experiences the immersive virtual reality world. The virtual reality media system integrates into the immersive virtual reality world a three-dimensional (“3D”) virtual object having an outer surface designated as a promotional content platform. The virtual reality media system also accesses data representative of a two-dimensional (“2D”) promotional image and maps the 2D promotional image onto the promotional content platform on the outer surface of the 3D virtual object such that the 2D promotional image is viewable as a skin of the 3D virtual object. | 2017-10-05 |
20170286994 | POWER BUY SYSTEM - The Power Buy System includes a computer based platform wherein sellers and buyers log into a website having a pre-configured Power Deal listing on an item. The pre-configured Power Deal listing may set forth one or more tier pricing based on quantity. The pre-configured Power Deal or the new Power Deal may be activated upon commitment from a first buyer. The buyer is provided tools to encourage other social media contacts to purchase an item in order to aggregate a larger buyer collective and sellers are allowed to offer a lower price than what is stated in the buy now price to further encourage additional buyers participation so that more items may be sold. | 2017-10-05 |
20170286995 | Computing A Score For Opportunities In A Placement System - Various embodiments are directed towards a product placement system that enable a media buyer to define a persona, which is a visual representation of a fictitious individual that represents a target audience for a placement campaign, and a placement is a visible display of a product that is placed in a media vehicle. The invention stores the persona, which represents a target audience, ingests data that about placement opportunities, identifying one or more opportunities whose characteristics overlap the characteristics of the target audience, calculates an audience score, identifies one or more opportunities with which the target audience engages using social media, and calculates an engagement score that measures the relative level of engagement with the identified opportunities by the target audience. | 2017-10-05 |
20170286996 | EXPENDITURES BASED ON AD IMPRESSIONS - The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request. | 2017-10-05 |
20170286997 | ADVERTISEMENT CONVERSION PREDICTION BASED ON UNLABELED DATA - Embodiments are disclosed for predicting target events occurrence for an advertisement campaign. A computing device according to some embodiments assigns a label to an advertisement as unlabeled, in response to a notification that a prerequisite event occurs for the advertisement. The device generates feature vectors based on data that relate to the advertisement. The device further trains a machine learning model using the feature vectors of the unlabeled advertisement based on a first term of an objective function, without waiting for a target event for the advertisement to occur. The first term depends on unlabeled advertisements. The device predicts a probability of a target event occurring for a new advertisement, by feeding data of the new advertisement to the trained machine learning model. | 2017-10-05 |
20170286998 | Affecting Display of Content Based on Negative Reactions - Techniques for affecting display of content may include receiving a request for content to supplement a response to an input initiated by a first user; outputting first content in response to the request, where the first content includes a control feature that is displayable along with the first content, and where the control feature enables the first user to register a negative reaction to the first content; obtaining information relating to the first content based on the negative reaction; identifying second content having one or more characteristics in common with the first content; identifying one or more second users having one or more characteristics in common with the first user; and using the information relating to the first content in determining whether to provide the second content to the one or more second users. | 2017-10-05 |
20170286999 | PERSONAL DEVICE-ENABLED LIFESTYLE, COMMERCE AND EXCHANGE TRACKING SYSTEM - In one embodiment, a system and method include receiving user information data from a personal electronic device. The user information data includes information about a user using the personal electronic device. The server stores user information data and receives action data from the personal electronic device. The action data includes information relating to an object captured through the personal electronic device. The object captured may include an embedded signal such as a bar code, QWERTY code, fingerprint, watermark, and/or Ribbon®. The server generates and sends coupon, promotion, and/or information with respect to the embedded signal. The server receives redemption information with respect to an item represented within embedded signal. | 2017-10-05 |
20170287000 | DYNAMICALLY GENERATING VIDEO / ANIMATION, IN REAL-TIME, IN A DISPLAY OR ELECTRONIC ADVERTISEMENT BASED ON USER DATA - Methods, systems and computer-readable storage mediums encoded with computer programs executed by one or more processors for generating dynamic content in real-time are disclosed. In an embodiment, a static portion of an electronic advertisement is provided for display on a user device. Input is received from the user device, and a dynamic portion of the advertisement is generated in real-time. The dynamic portion of the advertisement is provided for display on a user device. | 2017-10-05 |
20170287001 | CUSTOMER GROUPS AND SALES PROMOTIONS - An online transaction processing service may be used by a merchant to process payments for purchase transactions. The service may also support the merchant in other ways, such as by managing sales promotions and points-based loyalty programs. The service is configured to analyze customer purchasing behaviors, to identify groups of customers exhibiting similar purchasing behaviors, and to recommend sales promotions to particular groups of customers. The particular groups to which promotions are directed may be selected by the system based on sales priorities of the merchant and/or the business type of the merchant. The products offered as part of the promotions may similarly be selected based on sales priorities and business types, as well as existing inventories of products and profit margins associated with the products. | 2017-10-05 |
20170287002 | TARGETING CONTENT FOR USERS OF EXTERNAL WEBSITES - A content providing entity controls use of a cookie that is placed on individual computers that download a resource from a publisher site, hosted at publisher domain. The individual computers can be programmatically triggered to directly transmit cookie data, collected through placement of the cookie on the respective computer, to a network location that resides with a domain of the content providing entity. The content providing entity can select, using the cookie data, a subset group of the visitors to receive content items selected from an inventory database of the content providing entity. The content providing entity transmits the selected content items to the computers of the subset group using the cookie stored with each of the visitor computers. | 2017-10-05 |
20170287003 | Method And Apparatus For Associating Commenting Information With One Or More Objects - An approach is provided for presenting a user interface and associating one or more commenting information with on one or more content items detected in one or more media items. Further, a user may associate one or more commenting information related to a point of interest/object wherein one or more content items associated with the point of interest/object may be retrieved and aggregated with the one or more commenting information. | 2017-10-05 |
20170287004 | SELECTING A CONTENT ITEM FROM A SET FOR PRESENTATION TO A USER BASED ON LOCATIONS ASSOCIATED WITH THE CONTENT ITEMS AND A LOCATION ASSOCIATED WITH THE USER - An online system receives a content unit identifying a set of content items each associated with a physical location. Different content items of the set include different content associated with different physical locations. When the online system selects content from the content unit for presentation to a user, the online system selects a content item of the set identified by the content unit based on physical locations associated with the content items and characteristics of the user maintained by the online system. For example, the online system selects a content item of the set associated with a physical location having a minimum distance to a location associated with the user by the online system. Rules associate interactions by the user with content from the content unit with an object associated with the content unit or with another object associated with a selected content item of the identified set. | 2017-10-05 |
20170287005 | METHOD AND SYSTEM FOR MANAGING AUTHORITY TO CONTROL DIGITAL SIGNAGE, AND NON-TRANSITORY COMPUTER-REDABLE RECORDING MEDIUM THEREFOR - A method of managing a control authority over a digital signage includes, if a search request for a digital signage is received from a first user device, providing, to the first user device, information upon at least one digital signage over which the first user device is capable of making a request to have a control authority; and if a request for a control authority over a first digital signage is received from the first user device, determining the control authority over the first digital signage to be assigned to the first user device with reference to context information regarding at least one of the first user device, a user account related to the first user device and the first digital signage. | 2017-10-05 |
20170287006 | MUTABLE GEO-FENCING SYSTEM - In various embodiments, boundaries of geo-fences can be made mutable based on principles described herein. The term “mutable” refers to the ability of a thing (in this case, the boundary of a geo-fence) to change and adjust. In a typical embodiment, a mutable geo-fence system is configured to generate and monitor a geo-fence that encompasses a region, in order to dynamically vary the boundary of the geo-fence based on a number of boundary variables. The term “geo-fence” as used herein describes a virtual perimeter (e.g., a boundary) for a real-world geographic area. A geo-fence could be a radius around a point (e.g., a store), or a set of predefined boundaries. Boundary variables, as used herein, refers to a set of variables utilized by the mutable geo-fence system in determining a location of the boundary of the geo-fence. | 2017-10-05 |
20170287007 | REAL-TIME AND CONTEXT BASED ADVERTISEMENT WITH AUGMENTED REALITY ENHANCEMENT - Disclosed herein are methods and systems for real-time content-matched advertisement in an augmented reality environment. In particular, a plurality of integrated images of an extracted real life object in a virtual environment is provided at a computer device to a user. The plurality of integrated images comprises one or more advertisement elements that are determined using a comprehensive content matching mechanism. The comprehensive content matching mechanism is based on a plurality of factors comprising advertisement content, user preference information, and context information. | 2017-10-05 |
20170287008 | Method and Electronic Device for Promoting Website Traffic of a Website by Regularly Replacing Webpage Skins - The present disclosure discloses a method and an apparatus for promoting website traffic of a website by regularly replacing webpage skins. The webpage belongs to a shopping website. The method for promoting website traffic of a website by regularly replacing webpage skins includes the following steps: pre-storing a plurality of different skins associated with products of the shopping website; setting a replacement time point and a display period of each skin; and replacing the webpage skin of the shopping website at each replacement time point, wherein the skin has links of the products associated with the shopping website provided at a plurality of different positions. According to the present disclosure, the website traffic and revenue of the website are improved. | 2017-10-05 |
20170287009 | METHOD AND APPARATUS FOR PROVIDING NETWORK INFORMATION - Aspects of the subject disclosure may include, for example, a method for processing an advertising request message, including, receiving an advertising request message from a mobile device, determining if an advertising exchange server associated with the advertising request is permitted to receive enhanced information associated with the mobile device if a service provider is permitted to provide location information associated with the mobile device responsive to determining that the advertising exchange server associated with the advertising request is permitted to receive the enhanced information, responsive to determining that the service provider is permitted to provide location information, adding location information associated with the mobile device to a header of the advertising request message, and transmitting the advertising request message to the advertising exchange server. Other embodiments are disclosed. | 2017-10-05 |
20170287010 | ENHANCED MOBILE DEVICE BEACON SYSTEM - An enhanced beacon system that detects attributes of a user based on information obtained from or about a user device when the user device is in close proximity to a beacon device. Actions include receiving a first unique identifier of the user device and the user's information collected the beacon device. The user information can include at least attributes associated with physical movements of the user. The user information can be used to populate a user profile for the user. A campaign can be estimated for the user and transmitted to the user device based on at least partly on a calculation of attributes from the user information in the user profile and target criteria of the campaign. | 2017-10-05 |
20170287011 | System and method for displaying content on disposable packaging - A system and method for displaying content on disposable packaging includes a display board, such as a light emitting diode display board, embedded within or on the product package. While the product package will include various electronic components, the packaging itself is without an integrated power source sufficient to provide power throughout the life of the product package. Rather, an external power source is provided in close proximity to the packaging to provide electrical power. The package's electronic components include components for wireless communication with nearby electronic devices, such as mobile phones. The nearby electronic devices will provide data to the package to cause the display board to display content dynamically to nearby users. The content displayed may be dependent upon the type of product, data about the user, and third party consumer data. | 2017-10-05 |
20170287012 | Application Customization Based on User Data - Described are methods, systems, and apparatus for customizing applications based on user behavior data. User behavior data is collected and stored by an ad system based on a user's interactions. The user behavior data is associated with an ad system user ID. A request for first user customization data including an application user ID associated with a user device is sent by an application executing on a user device. The ad system user ID associated with the application user ID is determined by the ad system. User customization data is determined by the ad system based on the user behavior data stored by the ad system as associated with the ad system user ID. The user customization data is sent to the user device. A customization based on the user customization data is implemented by the application executing on the user device. | 2017-10-05 |
20170287013 | IDENTIFYING CHARACTERISTICS USED FOR CONTENT SELECTION BY AN ONLINE SYSTEM TO A USER FOR USER MODIFICATION - Content presented to a user of an online system is presented along with an option allowing the user to view one or more reasons for presentation of the advertisement content to the user and one or more characteristics of the user satisfying targeting criteria associated with the content. For example, a description identifying one or more selected characteristics of the user satisfying the targeting criteria is presented along with the content. The online system selects the one or more characteristics presented along with the content by applying one or more rules to characteristics of the user satisfying targeting criteria included in the content. The rules may account for accuracy of models used to determine whether the user has characteristics, revenue received by the online system from presenting content associated with targeting criteria identifying various characteristics, or prevalence of characteristics among users or targeting criteria of content. | 2017-10-05 |
20170287014 | Automated Direct Response Advertising Server - An automated direct response advertising system can include: collecting information of a consumer; routing and matching the consumer to an offer of a product; providing content to the consumer with a reusable page, reusable page components, reusable multi-tenant components, and white-labeling components; requesting contact information from the consumer; requesting billing information from the consumer; providing a cross-sell offer for complimentary products of the product; providing an up-sell offer for upgrades to the product; aggregating information within an advanced analytics module; and displaying the information from the advanced analytics module on a display. | 2017-10-05 |
20170287015 | PERSONALIZED MARKETING INCENTIVES BASED ON HISTORICAL INFORMATION AND MOBILITY MONITORING - One embodiment for determining a marketing incentive for a user of an electronic device. In one embodiment, a computer processor detects a first electronic device within a retail environment utilizing a second electronic device that also identifies information associated with the first electronic device. In one embodiment, a computer processor determines a behavior associated with the first electronic device based, at least in part, on movement of the first electronic device within the retail environment. In one embodiment, a computer processor identifies data associated with the retail environment that includes information associated with a retailer associated with the retail environment and information associated with the first electronic device. In one embodiment, a computer processor determines a first marketing incentive based, at least in part, on the determined behavior associated with the first electronic device and the identified data associated with the retail environment. | 2017-10-05 |
20170287016 | PERSONALIZED MARKETING AND ADVERTISING SYSTEM AND METHOD - A personalized marketing and advertising system is provided. The system sets it apart from competitors' approaches by utilizing marketing material that incorporates at least one buying image of the recipient's previous buying experience, thereby urging them to become a return purchaser. | 2017-10-05 |
20170287017 | System and Method for Adding an Advertisement to a Personal Communication - A system and method is provided for adding at least one advertisement to a personal communication and providing additional communication data to a recipient that interacts with the advertisement. A sender network device communicates with an advertising application operating on a Web site to generate a personal communication containing at least one advertisement, where the at least one advertisement is selected from a palette of advertisements. In one embodiment of the present invention, the sender has control over advertisements that are displayed together with the personal communication by allowing the sender to delete (or remove) an advertisement from either the at least one advertisement or the palette of advertisements. If a displayed advertisement is interactive, and the advertisement is interacted with, the advertising application will provide the recipient with additional communication data in a format that can be understood by the recipient network device. | 2017-10-05 |
20170287018 | METHODS AND SYSTEMS FOR PERFORMING AN ADVERTISEMENT-BASED ELECTRONIC TRANSACTION - Methods and systems for performing an advertisement-based electronic transaction are provided. According to one aspect, a system for performing an advertisement-based electronic transaction comprises a mobile backend server comprising a network interface, one or more processors, and memory. The mobile backend server receives, from a first electronic device, first information for identifying the user and second information for identifying an advertisement; identifies the user based on the first information; identifies an advertisement based on the second information; identifies a transaction object associated with the identified advertisement; determines transaction information for an electronic transaction involving the identified transaction object; determines payment information for the identified user; and initiates an electronic transaction using the transaction information and payment information. The first electronic device may be a mobile phone that captures the second information by scanning a QR code or by displaying an advertisement that the user clicks, touches, or otherwise selects. | 2017-10-05 |
20170287019 | MOBILE, CROWD SOURCED VEHICLE APPRAISAL APPLICATION - The system provides a way to quickly rate and grade a vehicle using a guided template on a smartphone, tablet, or other mobile device. Once graded, a vehicle can be viewed against available market book and online resale values that are geo-specific, with final rating information based on the inspection pushed into a cloud of connected users in crowdsourced manner that allows users to respond with non-binding bids to purchase the vehicle, creating both a dynamic and real time valuation of that vehicle for trade in purposes, as well as access to a wholesale market for possible immediate resale, dealer trade, or other transfer and disposition of the vehicle. | 2017-10-05 |
20170287020 | WAITING NUMBER GUIDANCE SYSTEM AND GUIDING METHOD - Disclosed is a waiting number guidance system in which a business operator terminal provided with a near field communication (NFC) module and a client terminal provided with an NFC module are connected through a server, and when the client terminal is tagged to the business operator terminal such that the business operator terminal reads unique information of the client terminal through NFC, the business operator terminal activates one among a plurality of deactivated waiting numbers and provides the activated waiting number to the client terminal, the client terminal receives the waiting number, and the client terminal, which has received the waiting number, is tagged to the business operator terminal so as to deactivate the corresponding number in the business operator terminal, thereby completing a waiting number guidance. | 2017-10-05 |
20170287021 | SYSTEM, METHOD, AND DEVICES FOR MANAGING RETAIL TRANSACTIONS AT A RETAIL LOCATION - A system, method and devices are provided for conducting retail transactions, and more particularly for transacting business with customers and clients where the point of transaction occurs at a retail facility, such as a retail banking or drug store facility. The present system, method and devices are implemented to manage logistics in retail facilities, such as retail banking and drug store establishments, that have drive-up service, and to survey and report transactional data. | 2017-10-05 |
20170287022 | SYSTEM AND METHOD FOR FACILITATING CASH PAYMENT TRANSACTIONS USING A MOBILE DEVICE - Disclosed herein are systems and methods for facilitating transactions between a merchant-partner and an end-user. In one embodiment, a service provider: (a) stages a transaction between a merchant and a consumer; (b) creates a transaction-specific unique reference locator (URL) linked to a transaction-specific web page; and (c) sends the transaction-specific URL to the consumer's mobile device. Whereupon the consumer clicks on the transaction specific URL on their mobile device, the service provider displays a token ID on the transaction-specific web page. The token ID is linked to the staged transaction and is used to initiate data communication between a point-of-sale (POS) terminal and the service provider's processing unit. The service provider can then: receive confirmation that the consumer has presented the token ID and a payment to the POS terminal; display a transaction receipt on the transaction-specific web page; and/or notify the merchant that the consumer has provided the payment. | 2017-10-05 |
20170287023 | Blacklisting Based on Image Feature Analysis and Collaborative Filtering - Described are methods, systems, and apparatus for recommending catalogue items for blacklisting. For each of a plurality of catalog items: image features are extracted; image features are associated with the catalog item; and user purchase events, user view events, a textual description, and categories are associated with the catalog item by the recommendation system. An identification of a first blacklisted catalog item is received. A catalog item is identified by the recommendation system based on i) a similarity between the image features associated with the first blacklisted catalog item and the image features associated with the catalog item, and ii) a correspondence between at least one of the user purchase events, the user view events, the textual description, or the categories associated with the blacklisted catalog item and the user purchase events, the user view events, the textual description, or the categories associated with the catalog item. | 2017-10-05 |
20170287024 | PERSON TO PERSON AND SOCIAL NETWORK ELECTRONIC TRANSACTIONS USING RICH MEDIA - Systems and methods for providing payment request management includes receiving, through a network from a first sender device associated with the first sender, a payment request associated with the first sender and a receiver. A personalization configuration associated with the payment request is determined. A personalized payment message is received through the network from the first sender device according to the personalization configuration. The personalized payment message is stored in association with the payment request. The payment request with the personalized payment message is communicated through the network to a receiver device associated with the receiver to cause a display of the payment request and playing of the personalized payment message on the receiver device. | 2017-10-05 |
20170287025 | PRODUCT INFORMATION MANAGEMENT DEVICE - The present invention relates to a product information management device. The product information management device, according to one embodiment of the present invention, comprises: a legacy interface unit for receiving, from a web server, product information to be displayed on electronic labels corresponding to respective products to be displayed on shelves; an information management unit for generating layout information for arranging the product information on the electronic labels, and image information to be displayed on the electronic labels together with the product information; and a communication unit for transmitting, to the electronic labels, the product information, the layout information, and the image information through a gateway module by multiple frequency channels, and updating the product information through a wake up command when the electronic labels are in a sleep mode. According to the present invention, product information to be displayed on electronic labels is managed and updated by using a web server such that the electronic labels and the product information can easily be managed in real time at any location. | 2017-10-05 |
20170287026 | PROXY SHOPPING REGISTRY - Methods and systems are provided for facilitating purchases by one person for another person. A user can take advantage of one or more social networks to facilitate purchases by proxy shoppers for the user. For example, the user can designate what products can be purchased by a proxy shopper and what stores can be used by the proxy shopper to make the purchases. The products can be listed in a registry on the user's social network. When the proxy shopper is in a designated store, the proxy shopper can purchase a designated products for the user. | 2017-10-05 |