45th week of 2020 patent applcation highlights part 47 |
Patent application number | Title | Published |
20200349556 | METHODS AND DEVICES FOR MANAGING ACCESS TO ACCOUNT IN BLOCKCHAIN SYSTEM - Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media for managing access to an account in a blockchain system. One of the methods includes: receiving, from a first account of the blockchain system, a request for accessing a second account of the blockchain system; determining an account level of the first account based on the request; determining an account level of the second account; determining whether the account level of the first account satisfies an account condition based on the account level of the second account; and permitting the request for accessing the second account based on a determination that the account level of the first account satisfies the account condition. | 2020-11-05 |
20200349557 | STORED-VALUE CARD SYSTEM - A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount. | 2020-11-05 |
20200349558 | METHOD FOR PERFORMING PAYMENT TRANSACTIONS - The present invention relates to the field of information technology, the field of issuing and circulating electronic money and cryptocurrency, and the field of payment system technology and making payments. The present invention allows for creating a payment system that uses an Internet connection addressing system instead of BIN routing, and that is compatible with payment tokenization technology and making payments using payment cards and cryptocurrency, which in turn allows for decreasing the cost of making payments by means of using free Internet routing when making said payments, and also allows for providing buyers with the possibility of paying for purchases in cryptocurrency and of exchanging cryptocurrency for fiat money and vice versa using payment card technology. The technical result is achieved by replacing BIN routing of a payment card network by DNS routing of the Internet, as well as by adding an additional DNS token and cryptocurrency wallet address token to a database of a token service provider, and using said tokens to make payments. | 2020-11-05 |
20200349559 | MASKING A PRIMARY ACCOUNT NUMBER BETWEEN A PARTY AND A SERVICE PROVIDER - A computer implemented method for masking a primary account number between a party and a service provider. A plurality of transaction records from a database is retrieved. A masking value is generated in response to having a first hash function executed on a primary account number. The receiving, at the service provider, the masking value from the client execution environment without the primary account number; wherein the server execution environment lacks identification of the affiliation between the primary account number and the party. Upon confirming that the first hash function is identical to the second hash function, matching the masking value to the second masking value. In response to a match, querying the database for transaction history associated with the masking value. An analysis report is generated. | 2020-11-05 |
20200349560 | Automated Pet Recovery and Rescue Network - In essence, the proposed network is meant to provide a platform for prompt pet recovery. Through the establishment and integration of an IoT network consisting of smart pet collars with digital wallets, event triggers which alert a network of individuals when a pet has escaped with available location information, and private user profiles so that those who recover lost pets can be easily rewarded, the proposed network will establish incentives for the decentralized recovery of lost and endangered pets. | 2020-11-05 |
20200349561 | Systems, Methods, and Interfaces for Smart Contract Based Exchanges Via a Blockchain - An exemplary system includes a blockchain system that includes a blockchain, a smart contract template, and a smart contract generated based on the smart contract template, the smart contract executable to facilitate, by way of the blockchain, exchanges between parties to the smart contract. The system further includes an interface system communicatively coupled to the blockchain system and configured to perform a set of operations to provide an interface to the blockchain system, the set of operations including receiving a user input from an application executed on a user computing device, translating the user input to a call to the blockchain system, and issuing the call to the blockchain system. The blockchain system is configured to perform, based on the call and the smart contract, an action on the blockchain that represents an exchange between the parties to the smart contract. | 2020-11-05 |
20200349562 | EXTENSIBLE TEMPLATE FOR ASSET TOKEN - A computer system comprises a logic system, and, operatively coupled to the logic system, a computer-memory system holding instructions that, when executed by the logic system, cause the computer system to: receive a token-behavior selection corresponding to a real-world asset to be tracked on a virtual ledger, the token behavior selection identifying a client-defined combination of behaviors; construct a template for registration of a token class on the virtual ledger according to the provider-defined architecture of the virtual ledger, wherein each new token instantiated from the token class exhibits the client-defined combination of behaviors as determined by the token-behavior selection; and provide access to the template to a client computer device. | 2020-11-05 |
20200349563 | ZERO-KNOWLEDGE MULTI-ACCOUNT-BOOK EXCHANGE TRANSFER METHOD AND APPARATUS BASED ON BLOCKCHAIN, AND STORAGE MEDIUM - Disclosed is a zero-knowledge multi-account-book exchange transfer method and apparatus based on blockchain, and a storage medium. The method comprises: a first user account under a first account book in a blockchain issuing a transaction request with a second user account under a second account book, and receiving a first ciphertext generated by means of a first user performing encryption; acquiring the first ciphertext and a first verification ciphertext that have been subjected to a digital signature; calculating each corresponding first verification value ciphertext by means of several preset legal exchange rate values and the first ciphertext; calculating, a second verification value ciphertext for verifying whether a preset exchange rate of the transaction between the first account book and the second account book is within a preset legal exchange rate value range; and if so, completing the transfer transaction based on the first ciphertext and the first verification ciphertext. | 2020-11-05 |
20200349564 | SYSTEM AND METHOD OF PROVIDING INTEROPERABLE DISTRIBUTED AND DECENTRALIZED LEDGERS USING CONSENSUS ON CONSENSUS AND DELEGATED CONSENSUS - A method to enable interoperability between blockchain networks. The method including receiving, by a mapper of an interoperability network, a transaction emitted by a first blockchain network, transforming the received transaction to a transaction compatible with a second blockchain network according to a mapping determined for the received transaction, and forwarding the transformed transaction to the second blockchain network to be processed by the second blockchain network. | 2020-11-05 |
20200349565 | CONSTRAINTS ON INPUTS OF AN UNLOCKING TRANSACTION IN A BLOCKCHAIN - Trustless deterministic state machines can be implemented using a blockchain infrastructure and state machines can run concurrently over more than one blockchain transaction. The transactions can be done in a Bitcoin blockchain ledger. A unlocking transaction constraint that constrains a unlocking transaction to include a transaction input that references a previous transaction output is determined. A redeemable transaction is created to include a transaction output that includes an amount and a transaction locking script that includes the unlocking transaction constraint, with unlocking the amount being contingent upon execution of at least one unlocking script of the unlocking transaction satisfying the unlocking transaction constraint. The redeemable transaction is caused to be validated at a node of a blockchain network. | 2020-11-05 |
20200349566 | DEVICE CONTROL METHOD AND RELATED DEVICE - The method in the embodiments includes: generating, by a server, first transaction information, where the first transaction information is used to indicate that a first participant has obtained control permission, the first transaction information includes information about the first participant and first data that includes information about a second participant, and the control permission is permission to control a target device; sending, by the server, the first transaction information to a blockchain; when the control permission is revoked, generating, by the server, second transaction information, where the second transaction information includes second data, and there is a correspondence between the second data and the first data; and sending, by the server, the second transaction information to the blockchain. | 2020-11-05 |
20200349567 | SYSTEMS AND METHODS FOR GENERATING PRE-CHARGEBACK DISPUTE RECORDS - An insight data computing system for generating a pre-chargeback record for a payment transaction between a customer and a merchant is provided. The payment transaction is authorized over a payment processing network based on transaction data submitted over the payment processing network. The transaction data is stored by the payment processing network in a historical transaction database. The insight data computing system includes an insight data interface computing device programmed to (i) receive, via an insight communication channel other than the payment processing network, an insight data message including insight data and transaction link data, (ii) store the insight data in an insight database, (iii) link the insight data to the transaction data by matching the transaction link data in the insight data to the transaction data in the historical transaction database, and (iv) generate the pre-chargeback record including the transaction data and the linked insight data. | 2020-11-05 |
20200349568 | METHOD AND DEVICE FOR AVOIDING DOUBLE-SPENDING PROBLEM IN READ-WRITE SET-MODEL-BASED BLOCKCHAIN TECHNOLOGY - Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for avoiding double-spending problem in read-write set-model-based blockchain technology. One of the methods includes receiving instructions to execute two or more blockchain transactions on a piece of data, where all blockchain transactions of the two or more blockchain transactions modify a value of the piece of data, and for each blockchain transaction from the two or more blockchain transactions, pre-executing a smart contract associated with the blockchain transaction to generate a special instruction indicating the blockchain transaction, where the special instruction is used to validate that a current value of the piece of data supports the blockchain transaction when executing the smart contract to write the blockchain transaction to a blockchain. | 2020-11-05 |
20200349569 | TRANSACTION SECURITY ON DISTRIBUTED-LEDGER BASED MAAS PLATFORM - A system and method for implementation of transaction security on a distributed ledger-based Mobility-as-a-Service (MaaS) platform is provided. The system includes a message broker device which receives a transaction request associated with a transport service from a publisher node of a transportation provider. The message broker device routes, via an API gateway hosted on the message broker device, the transaction request to a subscriber node of the transportation provider. The API gateway validates the transaction request based on application of a set of security rules on the transaction request. The subscriber node is associated with a first node of a distributed ledger node that stores a first state object. The first state object includes transaction data associated with the transport service. The distributed ledger node receives the validated first transaction request from the API gateway, via the subscriber node and updates the transaction data based on the received transaction request. | 2020-11-05 |
20200349570 | SYSTEM AND METHOD FOR ENHANCED CLOCK AUCTIONS AND COMBINATORIAL CLOCK AUCTIONS - The present invention provides improvements applicable to dynamic auctions such as clock auctions or combinatorial clock auctions. In a first embodiment, the present invention includes an improved activity rule that constrains the bids that may be submitted by a bidder, based on the bidder's own prior bids, In a second embodiment, the present invention includes an improved pricing rule that appropriately discounts the amounts (as compared to linear pricing) of bids that need to be submitted by a bidder. In a third embodiment, the present invention includes an improved iterative first-price auction. Bidders successively make bids, often a bid for a package of items at a specified price. When the auction concludes, some of these bids become “winning” bids; the respective bidders win the items specified in their winning bids and pay the prices specified in their winning bids. In some preferred embodiments, the present invention combines two or all three of these improvements. | 2020-11-05 |
20200349571 | DEVICE AND METHOD FOR PROVIDING EXTERNAL ACCESS TO MULTI-DROP BUS PERIPHERAL DEVICES - A method and device for retrofitting a machine controller to accommodate one or more electronic peripheral devices is disclosed herein. A device with processor(s), memory, a slave interface, and host interface(s) performs as a virtual peripheral by registering itself as a slave to the machine controller coupled with the slave interface and performs as a virtual machine controller by registering peripheral(s) coupled with the host interface(s) as slaves to the device. The device receives a command from the machine controller via the slave interface and, in response to receiving the command: sends an acknowledgement to the machine controller via the slave interface; and relays the command to a respective peripheral via a respective one of the host interface(s), where the device sends signals to and from the machine controller asynchronous of sending signals to and from the peripheral(s). | 2020-11-05 |
20200349572 | SYSTEMS AND METHODS FOR MONITORING MESSAGE CONTENT OVER A COMPUTER NETWORK - Provided herein is a method for monitoring message content processed over a payment processor for a cardholder using a rules engine computing device. The rules engine computing device is associated with the payment processor that maintains a transaction history database that includes records for a plurality of payment transactions, and each of the records including a payment account number (PAN), a merchant identifier, and a transaction amount. The method includes (i) receiving a message from a registration computing device indicating that the cardholder is enrolled in a transaction monitoring service; (ii) associating the at least one PAN with the transaction monitoring service; (iii) querying the transaction history database to retrieve records including the at least one PAN; (iv) identifying a subset of transactions from the retrieved records; and (v) transmitting a list of the identified subset of transactions to at least one of the cardholder and the registration computing device. | 2020-11-05 |
20200349573 | DETECTING FRAUD USING MACHINE-LEARNING - A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. The fraud detection model is generated by the computer using a plurality of previously received requests. Each request is associated with a sender account of the computer system and a recipient account to which the computer system previously sent a message containing a link to the secure electronic resource. | 2020-11-05 |
20200349574 | Transaction Lifecycle Monitoring - An orchestration platform processes transaction requests. The processing includes a series of processing steps. Advices are applied to extract status information before and after execution of at least some of the processing steps. The extracted status information is provided to a transaction monitoring system that provides a user interface for monitoring transaction status. When exceptions occur in transaction processing, the user interface may enable additional information to be provided that addresses the transaction to enable transaction processing to resume. | 2020-11-05 |
20200349575 | FRAUD RISK SCORING TOOL - The disclosed fraud risk scoring tool provides data-driven identification of potential fraud cases. A fraud risk score is determined based at least on a weighted sum of multiple metrics, where weights are determined based on precision or inverse variance and suspension propensity importance, which is indicative of variable importance. An exemplary method includes: receiving and aggregating transaction metrics across customer IDs to produce an aggregated transaction metric data set; determining, for each aggregated transaction metric in the aggregated transaction metric data set, a precision value, a suspension propensity importance, and a scoring weight based at least on one of the precision value and the suspension propensity importance; determining, for each customer ID within the plurality of customer IDs, a risk score based at least on the scoring weights applied to corresponding transaction metrics and a risk priority; and reporting at least one customer ID associated with a selected risk priority. | 2020-11-05 |
20200349576 | ANOMALY IDENTIFICATION FOR FRAUD DETECTION - The disclosed anomaly identification tool for fraud detection provides a data-driven method to identify potential fraud cases and includes receiving sales and refund data from transaction nodes, determining a plurality of metric data sets, for example return amount, return frequency, and return rate; and determining statistical distributions for the metrics. Risk thresholds can be set for identifying anomalous transactions, based on the metric statistics, which can be used as triggers for reporting risk or detection of potentially fraudulent transactions. Data analytics is thus leveraged, and can be applied at different levels and contexts of enterprise activity, for example by regions, by product line, and down to more focused areas such as specific retail channels. Some examples are able to identify anomalous activity indicative of collusion in fraudulent transactions. | 2020-11-05 |
20200349577 | SYSTEM AND METHOD TO ACCESS A CHANNEL ON OCCURRENCE OF A FINANCIAL TRANSACTION FRAUD - A system to access a channel on occurrence of a financial transaction fraud is disclosed. The processing subsystem includes a registration module, configured to register a user of a financial transaction system for accessing an allocated access channel. The processing subsystem also includes a retrieving module, configured to retrieve a plurality of criterion from the registered user to enable the allocated access channel. The processing subsystem also includes a transaction module, configured to validate authorization and authentication of the registered user and transaction request with respect to the allocated access channel. The processing subsystem also includes a processing module, configured to initialise and modify a default state of the allocated access channel based on the validation of the plurality of criterion from the registered user. The processing subsystem also includes a. notification module, configured to notify the registered user about the modified state of the allocated access channel, | 2020-11-05 |
20200349578 | Banknote Deposit Machine - A banknote deposit machine is able to receive banknotes, preferably so as to make a payment, wherein the banknote machine is permanently connected via a data link to a (cloud) storage system, or is designed to establish a temporary data link with the (cloud) storage system. Banknote data, such as image data or serial number data, etc., specifically of banknotes which are considered stolen or which were handed over as a result of a crime, for example as a ransom, are stored in the (cloud) storage system. Whenever the banknote deposit machine receives a banknote whose identification appears suspicious, for example because the banknote has a serial number that is stored in the (cloud) storage system, feedback is sent to the operator of the banknote machine and/or the payment transaction is terminated and/or an appropriate institution or authority, for example the police or a security service, is automatically informed. | 2020-11-05 |
20200349579 | SYSTEMS AND METHODS FOR REMOVING POINT OF SALE PROCESSING FROM PCI SCOPE - The methods and systems described herein provide for processing payments via a mobile device at a retail location while relying solely on non-PCI Scope information at the retail location. A payment processing transaction may be initiated at a point of sale at a retail location, and a unique identifier provided by a mobile device may be used as payment information to facilitate the processing of a payment transaction. Authorizations of payment processing transactions are made by a remotely located server based, at least in part, on the unique identifier provided by the mobile device. | 2020-11-05 |
20200349580 | SYSTEMS AND METHODS FOR PROVIDING NOTIFICATIONS TO DEVICES - A system for providing notifications to client devices that includes one or more processors and one or more storage devices. The storage devices may store instructions that, when executed, configure the processors to perform operations. The operations include receiving a transaction notification from a third party; identifying a user account associated with the transaction notification; generating a push notification with a payload describing instructions to display a message and an interactive icon, and a resource identifier associated with the interactive icon, where the resource identifier includes a message ID encoding an interactive session and an action ID encoding a requested action. The operations also include transmitting the push notification to a client device associated with the user account; receiving a first indication indicating a user interaction with the interactive icon, the first indication having the resource identifier and updating the user account based on the action request. | 2020-11-05 |
20200349581 | METHOD AND SYSTEM FOR DYNAMIC VISUALIZATION OF A USER JOURNEY FOR CUSTOMER SUPPORT - A method and system for dynamically visualizing a user experience, can involve tracking data indicative of an interaction and a journey taken by a customer and an agent, and selectively rendering a visualization of the interaction and the journey taken by the customer and the agent to aid in a faster resolution of an issue experienced by the customer. In addition, deviant states and routes can be identified within the data indicative of interactions and journeys taken by the customer and the agent. | 2020-11-05 |
20200349582 | METHOD AND SYSTEM FOR ADDRESSING USER DISCONTENT OBSERVED ON CLIENT DEVICES - A method and system for processing user feedback on client devices. Specifically, the method and system disclosed herein entail aggregating and sampling a feature set pertinent to the classification and/or prediction of user dissatisfaction with their respective client devices. Following the derivation of user discontent scores based on anomaly detection and machine learning methodologies, one or more actions may be performed to address and/or alleviate the observed user discontent. | 2020-11-05 |
20200349583 | ANALYTICS SYSTEM - An analytics system to analyze and report customer experience, comprising a customer interface device, an analysis server which analyzes data from a customer and a machine, and the database which is connected to the customer interface device and to the analysis server wherein the database receives data from the customer interface device, and/or the analysis server. The analytics system analyzes and reports customer experience. | 2020-11-05 |
20200349584 | TECHNOLOGIES FOR DYNAMICALLY ASSESSING APPLICABILITY OF PRODUCT REGULATIONS TO PRODUCT PROTOCOLS - Systems and methods for dynamically determining potentially applicability of product regulations to product protocols. According to certain aspects, an electronic device may access new or updated product regulations for various jurisdictions as well as product protocols associated with certain products. The electronic device may employ various data analyses technologies to determine which product regulations are potentially applicable to which product protocols. The electronic device may present information associated with the data analyses, and enable users to review information, further assess applicability, and make selections. | 2020-11-05 |
20200349585 | Evaluation Information Generation System, Evaluation Information Generation Method, and Program - The evaluation information generating system of the present invention evaluates a ground area owned by a user, using satellite data observed by an artificial satellite, and includes a user information acquisition unit that acquires user information that is personal information of the user, a ground area information acquisition unit that acquires ground area information including a position of the ground area, a satellite data acquisition unit that acquires the satellite data, a situation detection unit that detects a situation of the ground area based on the satellite data, and an evaluation data generating unit that generates evaluation data of the user or the ground area based on the user information, ground area information, and situation of the ground area. | 2020-11-05 |
20200349586 | DETECTING FRAUD USING MACHINE-LEARNING - A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. Before granting the request, the computer system evaluates the request using a multi-partite graph model generated using a plurality of previous requests. The multi-partite graph model includes at least a first set of nodes for sender accounts, a second set of nodes for recipient accounts, and a third set of nodes. | 2020-11-05 |
20200349587 | System and Method for Authentication and Registration of Products and Dynamically Rendering Content - A system and method for authentication of a product and registration of an authenticated product at a server. After registration of the user, response events are asynchronously used to collect data, search for stored product information and registration records, score attributes of the user and dynamically render content to be sent to the user, manufacturer, retailer or third party provider. | 2020-11-05 |
20200349588 | DETERMINING ADVERTISING CONVERSION - The present disclosure relates to a system and method for determining advertising conversion metrics. In some implementations, a method includes receiving spatial information associated with a user in connection with an advertisement presented through a wireless device | 2020-11-05 |
20200349589 | DATA ANALYTICS SYSTEM USING INSIGHT PROVIDERS - Methods, systems, and computer-readable storage media for providing an insight provider including a logic component and a configuration component, the logic component including a domain-specific model, the configuration component including one or more parameter values for processing data using the domain-specific model, receiving a set of assets including data indicative of one or more assets, retrieving asset data associated with at least one asset of the first set of assets, the asset data including OT data and IT data, the OT data being provided from one or more networked devices, the IT data being provided from one or more enterprise systems, and processing the OT data and the IT data using the domain-specific model of the logic component to provide a result set, the result set including one or more of a second set of assets and enriched data. | 2020-11-05 |
20200349590 | SYSTEM AND METHOD FOR TRANSACTION LEARNING - A system and method a method for providing for providing personalized transaction learning and tagging. The method may include tagging transactions associated with one or more financial accounts belonging to an account holder, whether the account holder be the primary, secondary, or a related account holder, such as a spouse, parent, guardian, and the like. The method may include linking all accounts belong to and/or associated with an account holder and receiving transaction data from each linked account. Once the system receives the transaction data, the system may query the account holder for input regarding the transaction data. The input may include tagging the transaction as belonging to a particular spending category and/or affirming or denying that the transaction belongs to a particular category. The system may receive and create categories based on account holder data, demographic data, credit data, and account holder profile data. | 2020-11-05 |
20200349591 | COGNITIVE GO-TO-MARKET PRIORITIZATION SETS - An approach is provided in which an information handling system collects a set of data corresponding to a new product development from multiple data sources. The set of data includes a set of industry data, a set product data, and a set of market data. Next, the information handling system performs contextual analysis on the set of industry data and generates a set of industry framework mappings that map the set of industry data to the set of product data. Then, the information handling system prioritizes a set of product features in the set of product data based on the set of industry framework mappings, and generates a prospective product solution set that corresponds to the new product development and includes the prioritized set of product features. | 2020-11-05 |
20200349592 | IDENTIFICATION OF ANOMALIES ON A TRANSACTION NETWORK - Briefly, embodiments of a system, method, and article for processing a set of indicators from an indicator repository are disclosed. An indicator anomaly may be detected within one of more of the individual indicators of the set of indicators based, at least in part, on a threshold increase in publication of the one or more of the individual indicators within a particular time period. A determination may be made as to whether one or more particular indicators of the set of indicators had a causal impact on a transactions anomaly within the particular time period. A notification may be generated to identify the one or more particular indicators at least particularly in response to the determining that the one or more particular indicators of the set of indicators had a causal impact on a transactions anomaly. | 2020-11-05 |
20200349593 | DYNAMIC CHOICE REFERENCE LIST - This disclosure covers methods, systems, and computer-readable media that select answer choices from potential answer choices for a digital question based on responses to other digital questions and/or embedded user data. In certain embodiments, the disclosed systems select answer choices from potential answer choices for a digital question based on a multiple choice response. Furthermore, in some embodiments, the disclosed systems select answer choices from potential answer choices for a digital question based on keywords and/or sentiment values identified by analyzing a text response. In some embodiments, the disclosed systems select answer choices for a digital question from a dynamic choice reference dataset that comprises potential answer choices. Additionally, in one or more embodiments, the disclosed systems train and/or utilize a machine-learning model to select answer choices from potential answer choices for a digital question based on a response. | 2020-11-05 |
20200349594 | CUSTOMER FLOW LINE AND CUSTOMER FLOW HOT ZONE DETERMINING METHOD AND APPARATUS - The present disclosure relates to a customer flow line and customer flow hot zone determining method and apparatus. The customer flow line determining method comprises: receiving coordinate data sent from multiple mobile devices, wherein an environment in which the multiple mobile devices are located is divided into a plurality of grids; on the basis of the coordinate data of each mobile device, determining the grid to which each mobile device belongs; determining the number of the mobile devices in each grid; and on the basis of the number of the mobile devices in each grid, outputting a customer flow line distribution map. | 2020-11-05 |
20200349595 | SYSTEM AND METHOD FOR PROVIDING A PRICE FOR A VEHICLE - System and methods for providing a target price for a target vehicle with a target mileage are provided. One exemplary method includes receiving attributes for the target vehicle, receiving prices for sold vehicles having attributes corresponding to the target vehicle attributes, and receiving mileages for the sold vehicles. The exemplary method may further include generating a linear regression model relating the sold vehicle mileages to the sold vehicle prices, and providing the target price for the target vehicle based on the model. | 2020-11-05 |
20200349596 | PROVIDING REWARDS AND METRICS FOR COMPLETION OF MICROTASKS - Edits on a content item, such as a document, are divided into microtasks. The microtasks associated with a document can be automatically identified based on a workflow or can be identified by a user associated with the content item or an administrator. At a later time, the user can complete the microtasks for a content item using an application associated with their smart phone or tablet. The application may present the microtasks in a game-like environment where the user can compete with other users based on metrics such as number of microtasks completed in a day or fastest completion time. In addition, the user can earn rewards such as badges, coupons, or credits by completing microtasks. In this way, users can use time that would have been wasted playing games to complete their content items, while still experiencing some of the fun and competition associated with the games. | 2020-11-05 |
20200349597 | SHOPPING MANAGEMENT CONTROL SYSTEM BASED ON ACQUAINTANCE DISCOUNT CODE AND SHOPPING MANAGEMENT CONTROL METHOD BASED ON ACQUAINTANCE DISCOUNT CODE - A shopping management control system based on an acquaintance discount code includes an input controller configured to recognize information in an acquaintance discount code to be provided by a user according to an input of the user; a management controller configured to determined that the the input controller recognized the information to generate an acquaintance discount code of the user and store and manage the acquaintance discount code of the user; a display controller configured to display the acquaintance discount code of the user generated through the management controller on a screen of a terminal of a user; and a feedback controller configured to feed back, when the acquaintance discount code of the user is received and an item is purchased by using the acquaintance discount code, one or more pieces of application information of the acquaintance discount code to the user. | 2020-11-05 |
20200349598 | PAYMENT PROCESSING SYSTEM FOR APPLYING MERCHANT PROMOTIONS TO A PUSH PAYMENT TRANSACTION - Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution. | 2020-11-05 |
20200349600 | CUSTOMIZED GRAPHICAL USER INTERFACE LEVERAGING DYNAMIC CUSTOMER RELATIONSHIP CHAINS - Apparatus and methods are provided for adjusting a display on a graphical user interface (“GUI”) of a first customer's online banking portal. The adjusting may be performed by leveraging transactional and behavioral data of a second customer and a third customer. The second customer may have a relationship with the first customer. The third customer may have a relationship with the second customer and not the first customer. | 2020-11-05 |
20200349601 | SYSTEMS AND METHODS FOR CAPTURING ACCOUNT HOLDER CONSENT FOR TRANSACTION DATA COLLECTION - Systems and methods are disclosed for providing an account holder with an incentive-consent matrix at a point-of-sale device of a merchant. The account holder can provide consent to store transaction related data and obtain an incentive in exchange. The incentive out be a coupon or other offering associated with the merchant. Varying levels of consent can be offered, with each level associated with an incentive having a different relative value. The transaction data can subsequently be provided to a recipient in accordance with the consent received from the account holder. | 2020-11-05 |
20200349602 | BATCH TRANSACTION MULTIPLEXING ENGINE - Systems and methods for batch multiplexing a plurality of transactions are provided. A system may include a machine-learning (“ML”) based engine configured to receive instructions to execute a first transaction, derive a plurality of sets of delay parameters for the first transaction, and display the sets of delay parameters on a graphical user interface (“GUI”) associated with a sender of the instructions. The engine may be configured to receive a selection of a set of delay parameters, and, based on the selection, append the first transaction to one of a plurality of pending transaction queues. The engine may be further configured to, within a maximum time window, combine the transactions in the pending transaction queue to create a single multiplexed transaction, and execute the multiplexed transaction. The engine may also be configured to demultiplex the multiplexed transaction after it is executed. | 2020-11-05 |
20200349603 | SYSTEMS AND METHODS FOR MEMBERSHIP APPLICATION WITH RETAILERS - In some embodiments, apparatuses and methods are provided herein pertaining to membership applications with retailers. In some embodiments, system for membership application with a retailer, the system comprising a control circuit configured to process applications for membership and credit with the retailer, the retailer offering memberships allowing customers to be able to purchase products and receive benefits pertaining to membership; a capture device configured to obtain an image of the customer and electronically scan data from a customer identification card for automatic population into an electronic membership application; a user interface device configured to facilitate an application process; a retailer server to communicate with a financial institution server configured to process an electronic credit application received from the membership processing control circuit. The control circuit populates the membership and credit applications with the captured data, processes the membership application and outputs the credit application to the financial institution server. | 2020-11-05 |
20200349604 | PACING FOR BALANCED DELIVERY - The disclosed embodiments provide a system that performs pacing for balanced delivery. During operation, the system obtains predicted response rates associated with impressions of a content item delivered within an online system and a cost per action (CPA) for the content item. Next, the system determines an impression-based spending for the content item based on the predicted response rates and the CPA. The system then calculates a pacing score for the content item based on the impression-based spending. Finally, the system adjusts subsequent interactions with the content item based on the pacing score. | 2020-11-05 |
20200349605 | CALIBRATION OF RESPONSE RATES - The disclosed embodiments provide a system for performing calibration of response rates. During operation, the system obtains a position of a content item in a ranking of content items generated for delivery to a member of an online system and a predicted response rate by the member to the content item. Next, the system determines an updated response rate by the member to the content item based on the position of the content item in the ranking and dimensions associated with the predicted response rate and the ranking. The system then outputs the updated response rate for use in managing delivery of the content item. | 2020-11-05 |
20200349606 | METHOD FOR MODELING MOBILE ADVERTISEMENT CONSUMPTION - One variation of a method for modeling mobile advertisement consumption includes: serving a first advertisement in an advertising campaign to a computing device associated with a user, accessing a first set of engagement data, recorded by the first advertisement, representing a first set of interactions between the user and the first advertisement at the computing device; accessing a model linking user interactions with a set of advertisements within the advertising campaign and a target outcome for the advertising campaign; estimating a predicted set of interactions between the user and a second advertisement in the advertising campaign based on the model and the first set of engagement data; and in response to the predicted set of interactions anticipating the target outcome, serving the second advertisement, in the advertising campaign, to the user. | 2020-11-05 |
20200349607 | METHODS AND APPARATUS TO INCORPORATE SATURATION EFFECTS INTO MARKETING MIX MODELS - Methods and apparatus to incorporate saturation effects into marketing mix models are disclosed. An example apparatus includes means for converting adstock data associated with an advertising campaign into effective reached realized (ERR) data based on a first saturation curve, the adstock data corresponding to adstocked gross rating points generated from marketing mix input data. The apparatus further including means for performing regression analysis to: identify the first saturation curve from among a plurality of plausible curves based on a fit of different ones of the plurality of plausible curves to the marketing mix input data, the first saturation curve to define a relationship indicative of saturation effects of the advertising campaign on a target audience of the advertising campaign; and determine an impact of the advertising campaign on sales during a period of interest based on a regression analysis of the ERR data relative to sales data. | 2020-11-05 |
20200349608 | USING ON-LINE AND OFF-LINE PROJECTIONS TO CONTROL INFORMATION DELIVERY TO MOBILE DEVICES - A system for processing information requests associated with mobile devices comprises an evaluation module configured to determine at least one performance measure for each of a plurality of information documents using at least data in one or both of a requests database and events database. The at least one performance measure includes at least one of an impression-based performance measure, a click/call-based performance measure, and an off-line site-visit-based performance measure. The system further comprises an information server configured to select a first information document for transmitting to a first mobile device to fulfill a first request. The information server includes a volume control unit configured to derive an off-line site visit projection in response to the first document being selected based at least in part on an off-line site-visit-based performance measure and having been impressed on the first mobile device, and to adjust a budget associated with the first document using the off-line site visit projection. | 2020-11-05 |
20200349609 | ELECTRONIC DEVICE AND CONTROL METHOD THEREOF - An electronic device is disclosed. The present electronic device comprises: a display; a communicator; a memory to store computer executable instructions; and a processor for executing computer executable instructions so as to obtain, through the communication unit, state information transmitted by at least one external device, and controlling the display to provide, while the electronic device operates in a standby mode, an image corresponding to an advertising content determined based on the obtained state information. | 2020-11-05 |
20200349610 | PROVIDING TARGETED CONTENT BASED ON A USER'S PREFERENCES - Targeted Content solutions can be provided using a variety of techniques. Targeted Content can be provided in place of generic advertisements on a first device or on personal computing devices. Targeted Content can be presented during, or in place of, generic advertisements in Content (e.g., television content, streaming content, etc.). Targeted Content can be provided in individual and/or group environments. In a group environment, Users and/or Devices can be grouped into a shared advertising group and Targeted Content can be selected based on Profiles of one or more members of the group. Feedback can be received regarding Targeted Content and payout amount can be determined. | 2020-11-05 |
20200349611 | COMPUTERIZED METHOD AND SYSTEM FOR PROVIDING CUSTOMIZED ENTERTAINMENT CONTENT - Targeted Content solutions can be provided using a variety of techniques. Targeted Content can be provided in place of generic advertisements on a first device or on personal computing devices. Targeted Content can be presented during, or in place of, generic advertisements in Content (e.g., television content, streaming content, etc.). Targeted Content can include customized video content to improve a user's viewing experience and thereby provide increased revenue opportunities for advertisers and content providers. The video content and/or customized content that is provided to a user can be paused or substituted to permit customized content to be delivered to the user. The video content and/or customized content can be of sporting events, and can facilitate and improve participation in a Fantasy Sports league. | 2020-11-05 |
20200349612 | Client-Side Video Advertisement Replacement Using Automatic Content Recognition - Systems and method for advertisement replacement are disclosed. A server may receive a server feed, generate a plurality of server fingerprints for a respective plurality of segments of the server feed, receive a synchronization message comprising a client fingerprint and a client time, match the client fingerprint with one of the plurality of server fingerprints, and send a synchronization response indicative of a server time associated with the one of the plurality of server fingerprints. | 2020-11-05 |
20200349613 | MEDIA RESOURCE ALLOCATION METHOD, APPARATUS, AND SYSTEM, STORAGE MEDIUM, AND COMPUTER DEVICE - This application includes a media resource allocation method, performed by any media resource allocation server in a blockchain system. In the method, media resource information is received from a media resource server. Media resources for a plurality of media resource request servers are allocated according to (i) media resource requirements of the plurality of media resource request servers, (ii) the media resource information, and (iii) a preset allocation rule. The transaction data generated in the media resource allocation process is stored into the target blockchain. | 2020-11-05 |
20200349614 | SYSTEM AND METHOD FOR PROVIDING CONTEXTUAL SUMMARIES IN INTERACTION TRANSFER - A system and method are presented for providing a contextual summary of an interaction between a first party and a second party over a media channel in an interaction transfer to a third party. A request is received to transfer an interaction to the third party, the request being triggered from the interaction. A text transcript of the interaction is obtained. The text transcript is processed to obtain the contextual summary and metadata, which is provided to the third party for handling the interaction with the interaction transfer. The contextual summary is provided by a contextual summarizer, which comprises a custom plurality of application programming interfaces (APIs). The plurality of APIs comprises at least one of: a text summarizer API, a churn predictor API, a sentiment analysis API, a next best action API, and an interaction reference detector API. | 2020-11-05 |
20200349615 | INTERACTIVE FEEDBACK SYSTEM - A feedback system including a controller configured to: register a system account for each of a plurality of users, wherein the feedback system account includes a unique identification code for each of the plurality of users; provide a graphic user interface through which a first user: generates a request for feedback; selects one or more groups to which to communicate the request for feedback, where in the selection of the groups includes associating one or more unique identification codes with each of the groups; receives feedback from at least a second user associated with a unique identification code associated with one of the groups, wherein, upon receipt of the feedback from the second user, the first user is automatically authorized to reply to the second user; and accesses feedback analytics related to the feedback received in response to the request for feedback. | 2020-11-05 |
20200349616 | COMPUTER-IMPLEMENTED METHOD FOR MANAGING USER-SUBMITTED REVIEWS USING ANONYMOUS REPUTATION SYSTEM - The disclosure relates to implementing an anonymous reputation system for managing user reviews. In one arrangement, an anonymous reputation system is constructed from a group of group signature schemes run in parallel. Each item of a plurality of items is associated uniquely with one of the group signature schemes. A user is allowed to join the group signature scheme associated with the item when information indicating that the user has performed a predetermined operation associated with the item is received. The user can submit a review of the item when the user has joined the group signature scheme associated with the item ( | 2020-11-05 |
20200349617 | IMAGE-BASED PARKING RECOGNITION AND NAVIGATION - A method for managing vehicles comprises: detecting motion of an object at a first location associated with a geographic area using a motion sensor, the geographic area including one or more parking locations; responsive to detecting the motion of the object at the first location, capturing, using one or more cameras, image data associated with the first location; using one or more edge processors located within a threshold proximity of the geographic area to access a machine learning computer vision model. The one or more edge processors are configured to execute instructions locally to the first location to perform operations comprising: obtaining, at the computer vision model, the image data associated with the object; determining, by the computer vision model, that the object is a vehicle; identifying, by the computer vision model, one or more vehicle specific parameters associated with the vehicle; and determine the one or more vehicle specific parameters that identify the vehicle. The method further comprises: determining that a user account identified by the one or more vehicle specific parameters matches a vehicle-user account stored in the computerized vehicle management system by comparing vehicle specific parameters against a vehicle-user account database included in the computerized vehicle management system; executing one or more actions with respect to the user account in the computerized vehicle management system; and responsive to executing the one or more actions with respect to the user account, transmitting instructions to an access control mechanism at the geographic area to permit access to the one or more parking locations by the vehicle. | 2020-11-05 |
20200349618 | INTEGRATION OF PAYMENT GATEWAY FUNCTIONALITY INTO TRANSACTIONAL SITES - Various embodiments of a payment service are disclosed. In some embodiments, a merchant can enable customer use of the payment service by adding code to a web page, such as a catalog or shopping cart page, of the merchant's site. Thereafter, a user can invoke the payment service and complete a purchase transaction directly from the merchant site, without navigating or being redirected to a separate payment service site. In some embodiments, the user can complete the transaction without having or creating an account with the payment service. | 2020-11-05 |
20200349619 | SYSTEMS, DEVICES AND METHODS FOR COMPUTER AUTOMATED ASSISTANCE FOR DISPARATE NETWORKS AND INTERNET INTERFACES - A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network. | 2020-11-05 |
20200349620 | EMAIL ADDRESS VERIFICATION - Methods and systems for automatically verifying email addresses associated with users are disclosed, including receiving and verifying, by an e-commerce platform, a first user email address corresponding to a first user associated with a merchant shop. The e-commerce platform, may receive a second user email address corresponding to a second user to be invited to the merchant shop (or a selection of merchant shops) based on an action of the first user and send an invitation to join the merchant shop to the second user email address, wherein the invitation to join includes a link to the e-commerce platform. The e-commerce platform may receive an activation via the link, which acts to associate the second user with the merchant shop and verify the second user email address. | 2020-11-05 |
20200349621 | METHOD, SYSTEM AND COMPUTER IMPLEMENTED EVALUATION OF ELECTRONIC TRANSACTIONS - Disclosed is a method of estimating likelihood of an alleged purchaser being the rightful purchaser in an ongoing electronic commerce transaction between a merchant and the alleged purchaser. The transaction is based on a digital identifier. The method may comprise the following computer implemented acts. There may be an act of providing electronically registered data of the rightful purchaser associated with the digital identifier. There may be an act of collecting electronically registered data of the alleged purchaser using the digital identifier in the transaction. There may be an act of estimating the likelihood as a function of the collected electronically registered data of the alleged purchaser and the provided electronically registered data of the rightful purchaser. | 2020-11-05 |
20200349622 | SYSTEM AND METHOD FOR MANAGING ON-DEMAND SERVICE DATA COLLECTIONS - A system and method for managing on-demand services includes integrating a consumer's personal resources with institutional service providers. The consumer's service request is fulfilled by streamlining the selection of resources and seamlessly extending the search to a larger system when the consumer's personal resources are exhausted. The system and method advantageously provides focused communications to selected contacts and automates the selection process. | 2020-11-05 |
20200349623 | System and Method of Searching for and Engaging Service Provider - An electronic network is provided to facilitate a service transaction. A database provides a data structure to organize records for the service transaction. A service request from a service requester is posted and a service provider with capabilities to perform the service request from the first computing system is dispatched by an electronic service agent to perform the service transaction. The service provider can be a preferred service provider. The electronic service agent searches for a service provider with capabilities to perform the service request. The service provider is forwarded to the service requester for the service requester to accept the service provider for the service request. The service requester provides feedback for the service provider. The service provider provides feedback for the service requester. The service provider can be tracked during the service transaction. The service provider is compensated after performing the service transaction. | 2020-11-05 |
20200349624 | System for Reducing Communication Payload on an Electronic Commerce Network - A method, system and computer-usable medium are disclosed for reducing communication payload in an e-commerce system. Certain embodiments include a computer-implemented method for storing, at a product host platform, product configuration data including, item identifiers associated with each item of a product configuration, descriptor data respectively associated with each item identifier, and a reductive identifier respectively associated with each item identifier, wherein the reductive identifier associated with each item identifier is generated, at least in part, from the descriptor data of the item identifier. In certain embodiments, the reductive identifiers stored in the product configuration data at the order platform are compared with the reductive identifiers in master product configuration data stored at the product host platform. In certain embodiments, the differences are used as a basis to update the configuration data at the order platform. | 2020-11-05 |
20200349625 | MONETIZABLE TEMPLATE FOR ASSET TOKEN - A computer system comprises a logic system, and, operatively coupled to the logic system, a computer-memory system holding instructions that, when executed by the logic system, cause the computer system to: receive from a first client a token-behavior selection corresponding to a real-world asset to be tracked on a virtual ledger, the token-behavior selection identifying a client-defined combination of behaviors; construct a reusable template for registration of a token class on the virtual ledger according to a provider-defined architecture of the virtual ledger, wherein each new token instantiated from the token class exhibits the client-defined combination of behaviors as determined by the token-behavior selection; and provide marketplace access to the constructed template to a client computer device operated by a second client that differs from the first client. | 2020-11-05 |
20200349626 | SEARCH QUERY-BASED REPLACEMENT PART INTERFACE - The systems and methods disclosed herein can increase the speed and ease with which a user can discover compatible replacement parts for a specified model of a product by automatically determining when the user is interested in replacement parts. A replacement part system can conclude that a user is looking for replacement parts based on the user's search queries, the user's browsing behavior, or the user's prior purchases. By automatically deducing an intention to purchase a replacement part, the replacement part system can make it easier for a user to locate suitable replacement parts. In addition, the replacement part system can be configured to tailor listing set of replacement parts search results it provides to a user. The set of search results can be tailored based on a number of criteria to increase the speed with which the user finds a compatible replacement part. | 2020-11-05 |
20200349627 | EXPRESSIONS OF USERS INTEREST - A system and method for personalizing user interest based on user built profiles are provided. In example embodiments, the system may include a non-transitory, computer-readable medium storing computer-executable instructions and one or more processors. When the one or more processors execute the computer-executable instructions, the processors may be configured to receive a first attribute and a second attribute describing an item of interest submitted by a user, the first attribute and the second attribute assigned to a category by the user. When the first attribute is received, the one or more processors may determine at least one shared feature between the first attribute and the second attribute, and display recommended items to the user that include the at least one shared feature. | 2020-11-05 |
20200349628 | ARTIFICIAL INTELLIGENCE SYSTEM FOR IMAGE ANALYSIS AND ITEM SELECTION - A method of analyzing images by a computing device to generate an e-commerce interface, comprising receiving, from a computing device associated with a first human user, a list of items associated with the first human user; receiving, from a computing device associated with a merchant, purchasing information for each item of the list of items; receiving, from a second human user, one or more images depicting the first human user using one or more items from the list of items; automatically analyzing the one or more images to identify the one or more items; and generating a user interface comprising at least one of the one or more images, links to a computing system of the merchant from which the second human user may obtain the one or more items identified. | 2020-11-05 |
20200349629 | DATA-DRIVEN HARDWARE CONFIGURATION RECOMMENDATION SYSTEM BASED ON USER SATISFACTION RATING - Techniques are provided for recommending changes to a hardware configuration based on a user satisfaction rating. One method comprises obtaining usage data indicating user activity for each user on a computing device; generating a user profile for each user; clustering the users into user clusters based on the user profiles; determining, for a given user cluster, a satisfaction score for each user in the given user cluster based on the obtained usage data for each user on the computing device; providing suggested hardware upgrades for the computing device of a given user in the given user cluster, wherein the given user is selected based on a lower corresponding satisfaction score relative to the satisfaction scores of other users in the given cluster, and wherein the one or more suggested hardware upgrades are based on hardware configurations of one or more of the other users in the given cluster having a higher corresponding satisfaction score. | 2020-11-05 |
20200349630 | COMPUTER SYSTEM FOR SUGGESTING WINE TO DRINK WITH FOOD AND METHOD AND PROGRAM TO BE EXECUTED IN SAID COMPUTER SYSTEM - The computer system of the present invention is a computer system for suggesting a wine to drink with a food comprising: means for receiving food information showing a food inputted by a user; and means for suggesting at least one type of wine to drink with the food based on the food information. The means for suggesting the at least one type of wine to drink with the food comprises: means for identifying at least two features of the food based on the food information, wherein the at least two features of the food are associated with two viewpoints, which are a food “body” and a food “flavor”; and means for identifying at least one type of wine to drink with the food based on the at least two features of the food. | 2020-11-05 |
20200349631 | System and Method for Eyewear Recommendation - A computer-implemented method ( | 2020-11-05 |
20200349632 | Dynamic Hierarchical Delivery System - An electronic device in a system splits an order for multiple prepared beverage products into a subset of the order fulfilled by a mobile store in the system and a second subset of the order fulfilled by a second mobile store in the system, where the mobile store and the second mobile store fulfill orders by fabricating prepared beverage products in a set of prepared beverage products and delivering the prepared beverage products to destination locations. Next, the electronic device provides an instruction intended for the mobile store and a second instruction intended for the second mobile store, where the instruction specifies a destination location and the subset of the order to be fulfilled by the mobile store, and the second instruction specifies the second subset of the order to be fulfilled by the second mobile store and one of: the destination location or an exchange location. | 2020-11-05 |
20200349633 | Systems And Methods Of Website Integration - A computer system configured to integrate a plurality of websites is provided. The computer system includes a memory, a display, and at least one processor coupled to the memory and the display. In one example, the system comprises a monitoring component executed by the at least one processor and configured to analyze web content generated by a website provider and detect one or more identified elements within the web content. The system may also comprise a converting component executed by the at least one processor and configured to, responsive to detection of the one or more identified elements by the monitoring component, convert at least one portion of the web content into converted content, wherein the at least one processor is configured to display, in the display, the converted content and at least one other portion of the web content. | 2020-11-05 |
20200349634 | TECHNIQUES TO FACILITATE ONLINE COMMERCE BY LEVERAGING USER ACTIVITY - The present disclosure is directed to techniques to facilitate online commerce by leveraging user activity, specifically search activity for goods/services on an online platform. As described herein, the online platform refers to a turnkey e-commerce solution that enterprises use to manage electronic transactions involving their goods/services. Some techniques are directed to an improved online platform operative to predict a user's intention behind a search query and after a consider number of search queries, to have that search query as a dynamic search filter for the online platform. Other embodiments are described and claimed. | 2020-11-05 |
20200349635 | SYSTEM AND METHOD FOR CONTENT CREATION TOOL FOR USE WITH SHOPPABLE CONTENT DATA - In accordance with an embodiment, described herein is a system and method for providing a content creation tool for use with shoppable content data. A content management system, such as, for example, an Oracle Content and Experience Cloud (OCE) environment, enables the creation of shoppable content that provides a purchasing opportunity directly from the content itself. The system can include, support, or operate in accordance with a content creation tool, that can incorporate aspects of artificial intelligence, for use with shoppable content data, including, for example, performing automatic detection of objects in an image; and automatic discovery of products to be mapped with the shoppable objects or shoppable content; for use in publishing the shoppable content in mobile application, web, or other document formats. | 2020-11-05 |
20200349636 | TIRE RENTAL MANAGEMENT APPARATUS, AND TIRE RENTAL MANAGEMENT METHOD - A tire rental management apparatus according to the present disclosure includes an input interface configured to accept input of a usage area and/or a usage period of a tire as a condition regarding rental of the tire to a user, and a controller configured to determine a tire in accordance with the usage area and/or the usage period input to the input interface as a rental tire among a plurality of tires for rental. | 2020-11-05 |
20200349637 | Scheme for processing rental content in an information processing apparatus - A purchase type determining unit | 2020-11-05 |
20200349638 | STELLAR BANKS EXTERNAL TRANSACTION AGENT FOR INTERNATIONAL REMITTANCE ON STELLAR NETWORK - Architecture and main solution of a computer software system, which provides banks transaction operations between each other on Stellar blockchain. Bank's blockchain solution allows efficient use of network to provide parallel services of international transactions with real time accepted requirements. Blockchain solution for banks greatly improves global banks connectivity. | 2020-11-05 |
20200349639 | COMPUTER SYSTEMS, COMPUTER-IMPLEMENTED METHODS, AND COMPUTER DEVICES FOR PROCESSING A TRANSACTION MESSAGE - Systems, methods, and devices provide financial account services. The computer system provides financial services between one or more service requestor devices and one or more service provider devices. The computer system establishes links to one or more service provider devices by providing configuration to support the connection type, protocol and format of data exchanges with each of the service provider devices that have established links. The computer system authenticates each service provider device to establish trust for data exchanges. The computer system supports the reception of service requests from one or more service requestor devices. Then by using the configured link information, the computer system determines the type and format of service requests. The computer system transcodes the service request. The computer system permits the flow of service requests to two or more service provider devices when the configured link information are not similar. | 2020-11-05 |
20200349640 | RISK ADJUSTED CASH FLOW - Calculating an interest rate for a loan comprises by receiving a credit score of a borrower and receiving a historical timeseries of balance data of the borrower. Determining a probability of default based on a modelling of the plurality of future balances. Transforming the historical timeseries into an implied timeseries based on a modelling of a plurality of future balances of the implied timeseries wherein the implied probability of default substantially equals the reference probability of default. Based on the implied timeseries, determining a worst-case plurality of future balances over the period of the loan and determining a worst-case probability of default. Based on the implied timeseries, determining a best-case plurality of future balances over the period of the loan and determining a best-case probability of default. Combining the worst-case probability of default and the best-case probability of default to calculate a risk adjusted interest rate for the loan. | 2020-11-05 |
20200349641 | SYSTEM AND METHOD FOR DETERMINING CREDIT AND ISSUING A BUSINESS LOAN USING TOKENS AND MACHINE LEARNING - A client computing device transmits a request to link a client bank account and receives from a data provider a public access token and transmits it to a loan issuance server, which in turn, transmits it to the data provider. The loan issuance server receives a private access token and limited identity data regarding a bank account associated with the client. A credit score engine receives public data associated with the client and income and transactional data of the client bank account and applies a machine learning model to create an initial credit score that is indicative of the maximum allowed credit for the client. Based on the credit score, the loan approval server approves a loan to be distributed in an amount up to the maximum allowed credit. | 2020-11-05 |
20200349642 | CONFIGURING USER INTERFACE FUNCTIONALITY BASED ON BACKGROUND PROCESSING OF DATA RELATED TO PRE-QUALIFICATION STATUS - A pre-qualification platform may obtain credit history information associated with a user and determine that the user is pre-qualified for one or more loans based on the credit history information associated with the user, wherein the credit history information may include a credit score associated with the user and values for one or more impact factors affecting the credit score. The pre-qualification platform may search an inventory for one or more products that the user is eligible to finance based on financing options associated with the one or more products and terms associated with the one or more loans for which the user is pre-qualified. The pre-qualification platform may populate a user interface to enable one or more actions related to the one or more financing options associated with the one or more products based on determining that the user is pre-qualified for the one or more loans. | 2020-11-05 |
20200349643 | SYSTEM AND METHOD FOR FINANCING A PROPERTY PURCHASE - A system and method for financing a property purchase are provided. A method includes receiving a financing request to finance a real-estate property; generating a first dataset including property-condition-related information; generating a second dataset including property-financial-related information; analyzing the information in the first dataset and the second dataset to determine eligibility of the received financing request; determining whether to grant or deny the received financing request based on the analysis; and sending either an approval or a denial. | 2020-11-05 |
20200349644 | SYSTEMS AND METHODS FOR AN INTERACTIVE MORTGAGE DASHBOARD - Systems and methods for an interactive mortgage dashboard are provided. A computer-implemented method for providing a mortgage finance dashboard may include: (1) retrieving loan transaction information for a plurality of loan accounts; (2) verifying that the loan transaction information complies with predetermined formatting requirements; (3) generating and displaying a summary table of the retrieved loan transaction information on a display, the summary table comprising one or more of customer names, advances, paydowns, deposits, shipments, and transfers for each loan account; (4) identifying a loan condition or trend associated with at least one of the loan accounts; (5) identifying a recommendation for the at least one of the loan accounts based on the loan condition or trend; (6) associating a graphical indicator with the loan condition or trend; (7) displaying the graphical indicator on the display with the recommendation; and (8) automatically executing the recommendation. | 2020-11-05 |
20200349645 | Stock exchange trading platform - The invention relates to a stock exchange trading platform for a plurality of trader data processing devices that are in communication connection with the trading platform, wherein the trading platform has a trading platform data processing device (“matcher”), which is able to store orders generated by one of the trader data processing devices in an order book, or to fill a matching order that is already recorded in the order book, at least partially, to acknowledge such received orders to the dispatching trader data processing device, and furthermore, to send messages to a plurality of connected trader data processing devices (in the case of a trading system with equally entitled traders, to everybody) in a broadcast mode. The trading platform is in particular characterized in that a unit of the trading data processing device controlling the optional execution or storing of the orders is configured as a dedicated logic circuit. | 2020-11-05 |
20200349646 | Controlling Operation of a Trading Algorithm Based on Operating Condition Rules - Methods, systems and computer-readable storage media are provided for controlling operation of a trading algorithm based on operating condition rules. Certain embodiments provide a method including determining, using a computing device, an approval of use of a trading algorithm by monitoring for an occurrence of an operating condition defined in an operating condition rule. The example method includes determining if the trading algorithm complies with the operating condition rule during the occurrence of the operating condition. The example method includes sending, using the computing device, a notification to a trading instrument to approve or not approve the use of the trading algorithm. The trading algorithm is to be used to implement a trading strategy. | 2020-11-05 |
20200349647 | SYSTEM AND METHOD FOR CROWD-SOURCED REFINEMENT OF NATURAL PHENOMENON FOR RISK MANAGEMENT AND CONTRACT VALIDATION - A system and method for crowd-sourced refinement of natural phenomenon for risk management and contract validation, comprising at least a heterogeneous mixture of sensors and data-gathering techniques, a sensor fusion suite, and a business operating system, which ingests, transforms if necessary, and analyzes received data and develops and applies models of prediction of consequences of the sensor data and future events based on such data for purposes such as insurance liability and risk assessment, emergency services planning, and financial market predictions, and comparing historical models and data with current data and models to attempt to refine and utilize a more precise predictive model for these purposes. | 2020-11-05 |
20200349648 | PLANNING ENGINE FOR A FINANCIAL PLANNING SYSTEM - A planning engine for a financial planning system including at least one processor is provided. The at least one processor is programmed to receive user profile data and account data, assign an asset class weight to each of a plurality of asset classes associated with the account data, and retrieve an expected asset class return, an asset class standard deviation, and an asset class covariance. The processor is also programmed to generate a portfolio data object for each of the plurality of future years wherein the portfolio data object calculates (i) an expected portfolio return across the plurality of asset classes and (ii) a portfolio standard deviation across the plurality of asset classes. The processor is further configured to pass the portfolio data object to a monte carlo return object, receive, from the monte carlo return object, a matrix, and return an account projection derived from the matrix. | 2020-11-05 |
20200349649 | GOAL AND PERSONAL PLANNING MANAGEMENT APPLICATION - A goal management system, may include a memory configured to maintain a database of user inputted goal data, the goal data being acquired from users of a goal planning application, the goal planning application configured to provide inquiries to be responded to by the users in furtherance of goals of the users, and a controller configured to receive the user inputted goal data, present at least one admin screen including a plurality of selectable attributes and at least one user in a list of users associated with the user inputted goal data, receive selection of the at least one of the attributes, and update the list of users based on the selected at least one attribute to include users identified as requiring the at least one service provided by the third party service provider. | 2020-11-05 |
20200349650 | MICRO-FINANCING PLATFORM FOR POOLED INVESTING BASED ON PURCHASE OF GAME OF CHANCE TICKETS OR TOKENS OF KNOWN FACE VALUE - An improved micro-financing platform to fund principally new ideas, startups, and/or SMEs using a new type of instant game of chance ticket or on-line game is described. In accordance with an exemplary embodiment, the instant game of chance ticket or an on-line game token will comprise a gaming component and an investment component. In one scenario, the gaming component is the traditional game feature offered by an instant game of chance ticket or on-line game. The investment component of a ticket is the investment value of a ticket or on-line game as a function of the face value paid for the ticket. This investment value is a sort of micro-financing investment made by the purchaser in return for which the purchaser is given a share interest in an investment pool of companies very similar to traditional share ownership in a company, or the purchase of a corporate bond exercisable at a future date in exchange for, hopefully, greater value than what was given to acquire in the first place. | 2020-11-05 |
20200349651 | CREATING A PORTFOLIO OF BLOCKCHAIN-ENCODED RIVED LONGEVITY-CONTINGENT INSTRUMENTS - A method executed by a computing device includes obtaining a rive approach for riving a set of longevity-contingent instruments of a multitude of available longevity-contingent instruments based on rive approach requirements. The method further includes verifying authenticity of a group of blockchain-encoded records representing a subset of the multitude of available longevity-contingent instruments to produce an authenticity indicator. When the authenticity indicator for the group of blockchain-encoded records is favorable, the method further includes selecting a first longevity-contingent instrument and a second longevity-contingent instrument based on the rive approach to produce the set of longevity-contingent instruments and updating a first blockchain-encoded record for the first longevity-contingent instrument and a second blockchain-encoded record for the second longevity-contingent instrument to include selection information. | 2020-11-05 |
20200349652 | SYSTEM TO SIMULATE OUTCOMES OF A NEW CONTRACT WITH A FINANCIER OF CARE - A method for managing healthcare information includes selecting a type of outcome under a payer contract with a healthcare organization (HCO), generating a set of similar populations based on information including HCO data, calculating outcomes for the similar populations in the set based on terms and conditions of the payer contract, calculating performance measures for the calculated outcomes, and outputting the performance measure with the calculated outcomes to identify a best outcome under the payer contract for one or more parameters. The outcomes may be calculated based on a simulation algorithm. | 2020-11-05 |
20200349653 | SERVICING A PORTFOLIO OF BLOCKCHAIN-ENCODED RIVED LONGEVITY-CONTINGENT INSTRUMENTS - A method executed by a computing device includes verifying authenticity of a blockchain-encoded record representing a longevity-contingent instrument to produce a verified blockchain-encoded record. When the longevity-contingent instrument is associated with an available and unfulfilled benefit status, the method further includes determining fulfillment information for the first longevity-contingent instrument. The fulfillment information includes a benefit payout. The method further includes updating the blockchain-encoded record based on security information of a payer computing device to include the fulfillment information to produce an updated blockchain-encoded record. The method further includes sending the updated blockchain-encoded record to the payer computing device to facilitate payment of the benefit payout. | 2020-11-05 |
20200349654 | Transaction Lifecycle Monitoring - A transaction lifecycle monitoring system generates reports indicating the current status of transactions at multiple transaction processing steps. The report is generated from data generated by multiple transaction processing systems. Each transaction processing system may use a different identifier to identify the transaction. The transaction lifecycle monitoring system maintains mappings between different identifiers used by the various processing systems to identify the same transaction. The report may include a timeline with geometric shapes corresponding to processing steps in the transaction's lifecycle. The status of the transaction at each processing step may be indicated by a visual property (e.g., color) of the corresponding geometric shape. | 2020-11-05 |
20200349655 | COMPENSATION MANAGEMENT SYSTEM AND METHOD - A computer-implemented method, computer program product and computing system for: defining a plurality of known error types within a payroll platform for use within an automotive space; obtaining performance information for a plurality of performance-based employees within the automotive space; and processing the performance information based, at least in part, upon the plurality of known error types to identify one or more errors within the performance information. | 2020-11-05 |
20200349656 | PROCESS FOR SENSING-BASED CROP NUTRIENT MANAGEMENT USING LIMITING-RATE ESTIMATION AND YIELD RESPONSE PREDICTION - A sensing-based process for managing nutrient fertilization in crops. This invention uses reference plots in a field, fertilized at different pre-plant rates, including at least one plot fertilized at a lower rate than the majority of the field. Measurements from the plots are used to estimate the Current Limiting Rate (CLR), which is the lowest non-limiting nutrient rate at the time of sensing. | 2020-11-05 |