48th week of 2021 patent applcation highlights part 61 |
Patent application number | Title | Published |
20210374668 | GOODS DELIVERY CONTRACT SYSTEM - A goods delivery contract system properly calculates the delivery fee for delivering goods from a vendor to a customer, comprising a management server, a vendor terminal for vendors that supply goods, a customer terminal that make goods order and delivery requests to the management server, and a deliveryman terminal that deliver goods. The management server comprises a notice means to notify the vendor terminal and the plural deliveryman terminal of the goods delivery business information received from the customer terminal all at once, and a calculation means to calculate the delivery fee for each deliveryman. The deliveryman terminal sends the business end place information in the reply information. The calculation means calculates the required moving time between the starting place of the delivery business, the supply place of goods, the delivery place of goods, and the end place of business, and calculates the delivery fee from the calculated time. | 2021-12-02 |
20210374669 | METHODS AND SYSTEMS FOR PATH SELECTION USING VEHICLE ROUTE GUIDANCE FIELD OF THE INVENTION - A system for path selection using vehicle route guidance includes computing device configured to receive a plurality of requests for a plurality of alimentary combinations and a plurality of destinations, wherein each request specifies an alimentary combination of the plurality of alimentary combinations to be assembled by at least an alimentary provider and a destination of the plurality of destinations, compute a projected nutritionally guided order volume using a first machine-learning process, determine a plurality of assembly times, the plurality of assembly times including an assembly time for each alimentary combination, as a function of the nutritionally guided order volume, generate a plurality of predicted routes as a function of the determined assembly times, and pair a predicted route of the plurality of predicted routes with a courier, wherein pairing further pairing, with the courier, the predicted route that optimizes an objective function. | 2021-12-02 |
20210374670 | SYSTEMS AND METHODS FOR DELIVERING AN ITEM TO A DYNAMIC LOCATION - Various embodiments of the present invention involve systems, methods, and computer program products utilized in facilitating alternative delivery options for customers. In certain embodiments, a consignee may meet a driver and receive an item at a location different from the delivery address associated with the item. The receipt of the item may be prior to the driver attempting to deliver the item to the designated shipping location or after an unsuccessful delivery attempt. The carrier, the driver, the carrier system, the mobile station, and/or the sensors located on the item may communicate with the consignee to arrange a mutually acceptable time and location to accomplish the delivery. In certain embodiments, the consignee may be responsible for arriving at a dynamic delivery location to retrieve the item while the driver is at the location performing other tasks. | 2021-12-02 |
20210374671 | SYSTEMS AND METHODS RELATING TO EMOTION-BASED ACTION RECOMMENDATIONS - A system and method are presented relating to emotion-based action recommendations. The present invention may include a recommender engine that analyzes several pieces of information and using artificial intelligence derived models, provides a course of action for a contact center agent and the probability and estimations behind the recommendation as a justification. System inputs include cost of the item or service being troubleshooted, estimated costs for different resolutions, cost of each escalation level of the interaction, history of previous interactions, agent costs, history of the current interaction, acoustic events and sentiment or primary detected emotions of the customer's transcript. The recommended course of action, rationale, and authorization can be provided as output. The system may record whether the agent followed the recommendation to improve further recommendations. | 2021-12-02 |
20210374672 | SYSTEM AND METHOD FOR FORMING, STORING, MANAGING, AND EXECUTING CONTRACTS - A system and method for computable contracts that includes a contract management system accessible by involved parties, managing a formation stage of a contract document by obtaining object components, assembling a contract object graph from the object components, and committing the contract object graph to post formation execution; and in an execution environment during a post-formation stage, executing the contract object graph where instances of execution include receiving a contract state update, and appending at least one update object component to the contract object graph in accordance with the contract state update. Variations of the system and method may apply peer-to-peer negotiation and execution, use a cryptographic directed acyclic contract object graph, and/or interface with distributed ledgers. | 2021-12-02 |
20210374673 | COLLABORATION SYSTEM INCLUDING A SPATIAL EVENT MAP - A spatial event map system including server-side data processor that maintains a spatial event map which locates events in a workspace. The spatial event map includes a log of events, entries in the log having a location of a graphical target of the event in the workspace and a time. The system includes logic to send messages including an event, a location of a graphical target of the event in the workspace and a time, to client-side network nodes; and to receive messages identifying events that create or modify a graphical target, and to add corresponding entries to the log of events. The events can include history events that are sent to the other client-side network nodes, and added to the log for the corresponding history events, and ephemeral events that are sent to other client-side network nodes without adding corresponding entries in the log. | 2021-12-02 |
20210374674 | Production Asset Library Management - A computing platform including a processing hardware and a memory storing a software code is coupled to at least first and second workstations and a production asset library. The processing hardware executes the software code to send, from the first workstation, a request identifying a production asset and metadata specification to the second workstation, and receive, from the second workstation, a payload including the production asset and production asset data including preview metadata describing a 3D image of the production asset. The software code further provides the 3D image for display on the first workstation or a third workstation, receives, at the first workstation or the third workstation, a validation input for the production asset, and publishes, in response to receiving the validation input, the production asset data to the production asset library. | 2021-12-02 |
20210374675 | CONNECTING CONTACT CENTER RESOURCES USING DLT FOR IOT SOLUTIONS - Multiple vendors often contribute a portion of their hardware and/or software to a customer to enable a particular feature. When issues occur, a contact center for more than one vendor may be required to perform an action in order to identify a resolution to the issue and apply the resolution. By coordinating multiple contact centers with smart contracts via a distributed leger, rules may be developed for the creation of blocks for notifications, escalations, tasks, and other actions or informational notifications to resolve the issue. Additionally, the blockchain may serve as a permanent record provide a history of actions taken, by whom, and when. | 2021-12-02 |
20210374676 | SYSTEM, METHOD, AND DEVICE FOR ELECTRONICALLY PROVIDING PAVING INFORMATION - A system, method, and device for electronically providing paving information for paving quality and control actions comprises receiving paving information at a first computer or processor, which can host an application to perform some or all of the paving quality and control actions. The paving information can include one or more electronic work tickets associated with respective paving material dump spots. The paving information can be displayed on a display if an electronic device associated with the first computer or processor. The first computer or processor can also receive paving quality and control information responsive to one or more inputs to the electronic device. The paving quality and control information can be output to another electronic device for consideration. | 2021-12-02 |
20210374677 | Automated Electronic Mail Assistant - Multiple text parts of a body of an incoming e-mail are determined. For each text part, based on natural language processing, a topic category and a feature vector representation (FVR) are determined. For two text parts comprising a common topic category, a similarity value based on their FVR is calculated, and in case the similarity value fulfills a condition, the two text parts are aggregated into one aggregated text part. For each text part: a reference document is selected based on a FVR of the text part; a recipient is obtained based on the corresponding topic category; and an e-mail comprising the text part, and each selected reference document or a pointer thereto, is sent to the obtained recipient. Via aggregation of text parts based on FVR, computational resources for document retrieval based on FVR is reduced, as well as the number of outgoing e-mails. | 2021-12-02 |
20210374678 | KANBAN-BASED WORK PROCESSING DEVICE AND WORK PROCESSING METHOD - A Kanban-based work processing device includes: a Kanban board handling part that creates a new Kanban board; a Kanban card handling part that embeds a Kanban card for a created task project into the Kanban board; a work container handling part that embodies per-user-defined-work-type containers which associate the Kanban card with the task project; and a work handling part that performs user-defined work-based work communication between participants through a user-defined work container, which is one among the per-user-defined-work-type containers. | 2021-12-02 |
20210374679 | ESTIMATING RISK POSED BY INTERACTING WITH THIRD PARTIES THROUGH ANALYSIS OF EMAILS ADDRESSED TO EMPLOYEES OF MULTIPLE ENTERPRISES - Introduced here are computer programs and computer-implemented techniques for generating and then managing a federated database that can be used to ascertain the risk in interacting with vendors. At a high level, the federated database allows knowledge regarding the reputation of vendors to be shared amongst different enterprises with which those vendors may interact. A threat detection platform may utilize the federated database when determining how to handle incoming emails from vendors. | 2021-12-02 |
20210374680 | APPROACHES TO CREATING, MANAGING, AND APPLYING A FEDERATED DATABASE TO ESTABLISH RISK POSED BY THIRD PARTIES - Introduced here are computer programs and computer-implemented techniques for generating and then managing a federated database that can be used to ascertain the risk in interacting with vendors. At a high level, the federated database allows knowledge regarding the reputation of vendors to be shared amongst different enterprises with which those vendors may interact. A threat detection platform may utilize the federated database when determining how to handle incoming emails from vendors. | 2021-12-02 |
20210374681 | SYSTEM AND METHOD FOR PROVIDING JOB RECOMMENDATIONS BASED ON USERS' LATENT SKILLS - The present disclosure discloses a system and a method to provide job recommendations to a user. The user logs in on a web portal where users' profile is created. Based on interaction of the user with different jobs over time, some of their latent skill sets that are hidden in these interactions are captured. Further, a trend in job selection of the user is captured using variants of Gated Recurrent Unit (GRU) to generate a set of job recommendations. Job search results generated using GRU are combined with search results obtained through traditional recommendation techniques and presented to the user. These techniques are based on analyses of similar jobs by the user or jobs applied by users possessing similar skills. The disclosure provides wholesome recommendations and solves problem of cold start for various users i.e. where the interaction of the user is unavailable that might result in no recommendations being provided to the user. | 2021-12-02 |
20210374682 | SYSTEMS AND METHODS FOR ABSENTEE MANAGEMENT - Systems and methods are provided for absentee management. Absentee management includes obtaining a corresponding supervisor status notification for a corresponding supervisor at an entity without further human intervention. The corresponding supervisor status notification provides an aggregated listing of each supervisee that reports to the corresponding supervisor and having an absentee status category in an enumerated list of absentee status categories together with a current absentee status of the supervisee and an approval status of an absence of a respective supervisee. The aggregated listing is configured responsive to a continuous rolling period of time that encompasses a contiguous present portion. Displaying on a graphical user interface, an absentee calendar, based on the corresponding supervisor status notification. The absentee calendar is configured to present a representation of a number of supervisees that directly or indirectly report to the corresponding supervisor that are absent some or all of the contiguous present portion. | 2021-12-02 |
20210374683 | IDENTIFICATION AND SURFACING OF CONTEXTUAL DATA RELATED TO ELECTRONIC CALENDAR EVENTS - In non-limiting examples of the present disclosure, systems, methods and devices for surfacing content related to electronic calendar events are presented. An electronic calendar event library may be maintained. One or more calendar events that meet threshold time criteria in relation to a current time may be identified. One or more rules may be applied to the identified events to determine whether contextual information and/or actions should be surfaced in relation to those events. In some examples, an event priority score may be calculated for each of the identified events. Contextual information and/or actions associated with events with event priority scores that exceed a threshold value may be surfaced. The contextual information and/or actions may be prioritized based on the event priority scores. | 2021-12-02 |
20210374684 | Dynamic Recommendation Engine - Methods and systems for generating recommendations for events are described herein. A computing device may assist a user that is trying to schedule an event by generating recommendations for one or more aspects of the event. Participant's schedule information, event preferences, and/or other information may be used to determine a recommendation for an event. A recommendation may include a time that meets the availability and/or preferences of the participants. A recommendation may indicate one or more participants that should be invited to the event and/or one or more participants that should not be invited to the event. | 2021-12-02 |
20210374685 | USING CALENDAR INFORMATION TO AUTHORIZE USER ADMISSION TO ONLINE MEETINGS - A meeting server receives from a client device a join request for a user to join a scheduled meeting. An identifier is obtained for the user based on the join request. Information for the meeting is accessed based on the join request, the information including a list of invitees for the meeting. The identifier for the user is compared with the list of invitees for the meeting. It is determined whether to connect the client device to the meeting based on the comparing. | 2021-12-02 |
20210374686 | CALENDAR COMPARISON SYSTEM AND METHOD - A system includes a memory and at least one processor to receive a registration request from a first client computing device and send a response to the registration request to the first client computing device, receive a registration request from a second client computing device and send a response to the registration request to the second client computing device, receive a calendar invitation to share calendars from the first client computing device and send information associated with the calendar invitation to the second client computing device, and receive an automated calendar comparison request comprising a list of users, a period of time, and a time frame, determine a list of open times based on the list of users, the period of time, and the time frame, and transmit the list of open times. | 2021-12-02 |
20210374687 | SYSTEMS AND METHODS FOR ADAPTIVE PREVENTATIVE MAINTENANCE IN LIQUID DISPENSING SYSTEMS AND RELATED EQUIPMENT - Systems and methods for adaptive preventative maintenance are disclosed. In a method to determine a maintenance interval estimate for equipment, a first maintenance interval estimate associated with the equipment is provided. The first maintenance interval estimate is expressed according to a usage metric associated with the equipment. An indication that the equipment has been replaced may be received. An elapsed usage of the equipment in a time period may be determined. The time period may span from a reference time point associated with the first maintenance interval estimate to a later replacement time point associated with the replacement of the equipment. A second maintenance interval estimate may be determined based on the elapsed usage of the equipment. The second maintenance interval estimate may be expressed according to the usage metric associated with the equipment. | 2021-12-02 |
20210374688 | SYSTEM AND METHOD FOR DYNAMICALLY AND OPTIMALLY POSITIONING SMART BINS IN A GEOGRAPHICAL AREA - System and method for determining an optimal position of smart bins is disclosed. In some embodiments, the method may include, for each of a set of regions of interest within a geographical area and for each of a set of pre-defined timeslots of a day, determining a set of evaluation parameters for a region of interest based on an evaluation of video feeds for the region of interest, and generating a probability map for the region of interest based on the set of evaluation parameters. The method may further include determining the optimal position of each of a plurality of smart bins within the geographical area based on the probability map for each of the set of regions of interest and for each of the set of pre-defined timeslots of the day. | 2021-12-02 |
20210374689 | METHODS AND SYSTEMS FOR PERFORMING SECURE TRANSACTIONS ASSOCIATED WITH INSTRUCTIONS RECEIVED IN NATURAL LANGUAGE FORM - Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction. The method includes facilitating, processing of the scheduled transaction based on the scheduled transaction instruction. | 2021-12-02 |
20210374690 | SYSTEMS AND METHODS FOR SECOND TAP E-RECEIPT OPTION FOR NFC-ENABLED PAYMENT VEHICLES - Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location. The systems and methods include a near field communication (NFC) reader and an NFC-enabled payment vehicle. A POS terminal processes a payment transaction after an initial interaction between the NFC reader and the NFC-enabled payment vehicle. An e-receipt is generated when a second interaction is detected between the NFC reader and the NFC-enabled payment vehicle. | 2021-12-02 |
20210374691 | DOCUMENT TRACKING AND CORRELATION - A device receives receipt data of a receipt of a transaction for a product, and processes, using a term matching technique, the receipt data to identify transaction information including a transaction date and product information. The device determines that the transaction caused a user to be covered by or eligible for a warranty for the product, generates a tag identifying the product, and associates, using a data structure, the product information, data identifying the warranty, and the tag with a record of the transaction that is accessible via a program that allows the user to search for the receipt or terms of the warranty. The device performs actions associated with assisting the user in managing the warranty, such as by reminding the user of an expiration date of the warranty and/or by assisting the user in submitting a claim based on the warranty. | 2021-12-02 |
20210374692 | SYSTEM AND METHODS FOR NEGOTIATING TICKET TRANSFER - A method and system which enables users of a ticketing marketplace to exchange tickets in order obtain groups of adjacent seats for an event. The method may include obtaining data associated with a first transaction for acquiring a first ticket by a first user, obtaining a first indication of willingness of the first user to negotiate exchange of the first ticket, and determining a set of exchange terms. A second user may then request to obtain a second ticket corresponding to a seat adjacent to a seat corresponding to the first ticket obtained by the first user, and exchange, with the first user, a third ticket for the first ticket. Upon a determination that the third ticket satisfies the set of exchange terms, the first ticket obtained by the first user is automatically transferred to the second user and a third ticket is automatically transferred to the first user. | 2021-12-02 |
20210374693 | System and method for a decentralized portable information container supporting privacy protected digital information credentialing, remote administration, local validation, access control and remote instruction signaling utilizing blockchain distributed ledger and container wallet technologies - A mechanism for privacy protected, portable and decentralized credentialed information issuance, lifecycle administration and access control supporting autonomously verifiable issuer attestation and provenance using blockchain distributed ledger technology. The embodied invention makes unauthorized tampering with credentialed information transparently detectable using local edge validation requiring only the execution of cryptographic libraries as found within the normative Bitcoin Core or equivalent blockchain implementation. The invention prevents unauthorized access, unregulated copy distribution, and orphaned ownership lacking issuer provenance as demonstrated in identity theft. The preferred embodiment provides the foundational capability of tamper resistant content leveraging modification detectable digital information credentialing, remote administration, localized independent state validation, distributed access control, metadata enrichment, application eventing and decentralized processing instruction signaling. The foundational aspect of the preferred embodiment directs authorized credentialed information issuers to persist, store and distribute information content hosted within cryptographically secure blockchain client “container-wallets”. | 2021-12-02 |
20210374694 | SERVER, INFORMATION PROCESSING SYSTEM, AND COMPUTER READABLE RECORDING MEDIUM - A server includes a processor including hardware, the processor being configured to, regarding points given to users for each of a plurality of different settlement methods using electronic money, exchange points given to a first user for each of the plurality of different settlement methods with points given to a second user for each of the plurality of different settlement methods. | 2021-12-02 |
20210374695 | SYSTEM AND METHOD FOR MONETIZING ASSETS - The present invention provides a method and system for monetizing a physical asset owned by a seller using an Internet-based platform accessible via a website interface configured to facilitate a transaction between a buyer and the seller, the method comprising the steps of identifying an asset, dividing at least a portion of the asset into one or more shares, and determining a monetary value of each share; submitting the one or more shares for verification by a third party verifier; posting an opportunity for a buyer to acquire a share according to terms and conditions as described in a smart contract, the opportunity being posted by the seller via a seller interface on the website; if the terms and conditions of the smart contract are accepted, an offer for payment is entered by the buyer via a buyer interface. If each available opportunity receives an offer for payment, the offers for payment are accepted by the seller via a seller interface to implement the smart contract and transfer a respective share in the asset to the respective buyer and the transaction is validated by a third party validator and recorded on the blockchain. The terms and conditions described in the smart contract include the monetary value of the share of the asset and the time period for which the share of the asset is held by the buyer, and at the end of the time period, the share of the asset is liquidated by the buyer at an appraised market value as determined at that time. | 2021-12-02 |
20210374696 | Public-Private Pegged Blockchains for Regulatory-Zone Restricted Whitebox Programmable Cellular Devices - A gateway can provision a device serial number. The gateway can generate a private blockchain identifier and a public blockchain identifier for a device. The gateway can create a private mapping between the device serial number and the private blockchain identifier. The gateway can create a public mapping between the device serial number and the public blockchain identifier. The gateway can allocate a private digital currency amount to the private blockchain identifier and a public digital currency amount to the public blockchain identifier. The gateway can provision a private service transaction cost to the public blockchain identifier, a public service transaction cost to the public blockchain identifier, a private service transaction fee to the private blockchain identifier, a public service transaction fee to the public blockchain identifier, and a ruleset for the device. The gateway can register the public blockchain identifier and the private blockchain identifier with a network gateway. | 2021-12-02 |
20210374697 | DYNAMIC AUTOMATIC TELLER MACHINE (ATM) REFILLING AND PRE-STAGING ATM TRANSACTIONS - Aspects of the disclosure relate to an automatic teller machine (ATM) network. A computing device may monitor operations in the ATM network. The computing device may determine an ATM refill route for a cash truck based on the monitoring the ATM network and/or based on refill notifications sent by an ATM. An ATM may communicate with a second ATM to pre-stage a user transaction at the second ATM. | 2021-12-02 |
20210374698 | SYSTEM AND METHOD FOR PROVIDING THIRD PARTY PAYMENTS WITH NON-INTEGRATED MERCHANTS - A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis. | 2021-12-02 |
20210374699 | SELF-CHECKOUT KIOSK - A kiosk includes a barcode reader module, vision camera, and central processing unit positioned within a housing. The housing defines a front surface and has an upper portion that extends outward past the front surface. The barcode reader module includes an imaging assembly with a first field-of-view that defines a product scanning region. The vision camera is positioned within the upper portion of the housing with at least a portion of the vision camera located forward of the front surface of the housing and has a second field-of-view facing generally downward and intersecting the first field-of-view of the barcode reader module within the product scanning region. The central processing unit is operatively connected to the barcode reader module and the vision camera and is configured to decode barcodes captured by the barcode reader module and perform advanced processing of images received from the vision camera. | 2021-12-02 |
20210374701 | A METHOD FOR SECURED POINT OF SALES DEVICE - Disclosed is a method for software point of sales (POS) providing crypto keys, sensitive data and digital data safety by Trusted Execution Environment (TEE) provided on the software and device processor, run on an operating system (Android, iOS etc.) of any mobile device (mobile phone, tablet etc.) accepting payment by EMV based or special design QR, of contact free payment cards or contact free payment digital wallets (ApplePay, SamsungPay, AndroidPay, GooglePay or any special HCE based or other digital wallets). | 2021-12-02 |
20210374702 | COMPUTER READABLE RECORDING MEDIUM, SETTLEMENT SYSTEM, AND SETTLEMENT SERVER - Provided is a non-transitory computer-readable recording medium on which an executable program is recorded, the program causing a processor of a computer to execute: extracting target facilities located on a route to a destination; and outputting, to a display, a target facility that allows use of a settlement method selected by user's input from among the extracted target facilities. | 2021-12-02 |
20210374703 | Dynamic Adjustment of Item Fulfillment Times - Techniques and arrangements for dynamically adjusting item fulfillment times based, in part, on how many mobile electronic devices are currently located at the merchant. If the number is greater than a baseline number of devices by more than a threshold, then an expected wait time may be adjusted upwards. If the number is less than a baseline number of devices by more than a threshold, then the expected wait time may be adjusted downwards. | 2021-12-02 |
20210374704 | System and Method for Point of Sale Transaction Logging - The present disclosure generally relates to a method and a hardware and software system for collecting data from retail point of sale. The hardware connects to a wide variety of barcode scanners and receipt printers. Collected data is transmitted to a cloud-based infrastructure backend system using a wireless internet connection built into the hardware. The collected data can be processed to extract item-level transaction information, and estimate the price and in-stock status of items in particular shops. A search engine can be provided using this data, which allows a customer to discover which nearby shop has an item of interest in stock. A targeted advertising system that complements this search service is also presented. The data can be used by retailers and manufacturers for business analysis and optimization. | 2021-12-02 |
20210374705 | REAL-TIME EXECUTION OF DATA EXCHANGES BETWEEN COMPUTING SYSTEMS BASED ON SELECTIVELY ALLOCATED PARAMETERS - The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive a first value of a parameter that characterizes an exchange of data initiated at a terminal device, identify a second value of the parameter allocated to the client device. In response to a determination that the first parameter value exceeds the second parameter value, the apparatus may request, and receive, parameter data from an application program executed by the at least one processor. The parameter data may identify a third value of the parameter allocated to the client device by the executed application program, and the apparatus may authorize, based on the second and third parameter values, a performance of the initiated data exchange in accordance with the first parameter value. | 2021-12-02 |
20210374706 | SMART CARD NFC SECURE MONEY TRANSFER - A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer. | 2021-12-02 |
20210374707 | SYSTEMS AND METHODS FOR MOBILE POINT-OF-SALE TRANSACTIONS - A method for processing a transaction at a mobile includes: receiving a product identifier of a product; and creating or updating an electronic shopping cart based on the product identifier of the product; receiving a request for performing a transaction task; in response to the request for performing the transaction task, determining a state of the mobile POS device; when the state of the mobile POS device is determined to be unlocked: performing the transaction task; and when the state of the mobile POS device is determined to be locked: rejecting the request for performing the transaction task. Related systems and devices are also disclosed. | 2021-12-02 |
20210374708 | REAL-TIME DELEGATED APPROVAL OF INITIATED DATA EXCHANGES BY NETWORK-CONNECTED DEVICES - The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value. | 2021-12-02 |
20210374709 | CREATION OF RESTRICTED MOBILE ACCOUNTS - A first user device may request a provisioning system to create a restricted mobile payment account on a second user device. The provisioning system may send a registration notification to the second user device to trigger registration of the restricted mobile payment account. The provisioning system may also cause creation of the restricted mobile payment account based on account information received with the request from the first user device. | 2021-12-02 |
20210374710 | METHOD AND SYSTEM FOR PASSENGER TRANSPORT - A user books passenger transportation in a ride sourcing system that selects a motor vehicle from a fleet of vehicles belonging to a passenger transportation provider. The system assigns the selected motor vehicle to the passenger transportation booking of the user and registers an entertainment option booking as assigned to the passenger transportation booking of the user. This enables the user to play an entertainment option, corresponding to the entertainment option booking, by an output device in the selected motor vehicle while the user is being transported as a passenger in the selected motor vehicle. | 2021-12-02 |
20210374711 | INFORMATION PROCESSING SYSTEM, SERVER, AND COMPUTER READABLE RECORDING MEDIUM - An information processing system includes: a first terminal including a first processor including hardware; and a server including a second processor including hardware, wherein the first processor is configured to output, to the server, a calculation request for calculating a split bill amount for each user in a case where an expense is split to a plurality of users using electronic money deposited in an electronic wallet of each of the plurality of users, and the second processor is configured to calculate, in response to the calculation request, a split bill amount for each of the plurality of users based on user information of the plurality of users, and output information about the calculated split bill amount to the first terminal. | 2021-12-02 |
20210374712 | Mobile Payment Station System and Method - A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a payment processing server. Responsive to receiving a communication from the mobile device, the payment processing server requests transaction information from the merchant, wherein the merchant is identified based on the provided merchant ID. The merchant can provide transaction information such as the total sale amount to the payment processing server. The payment processing server can authenticate the customer and initiate a purchase transaction with the appropriate financial institutions associated with the customer and the merchant. The payment processing server can send a confirmation of the executed transaction to the merchant and the mobile device. | 2021-12-02 |
20210374713 | Method for transmitting data to two distinct gateways, and corresponding device - In the field of payment terminals, a new generation of modular, function-rich payment terminals is appearing. Such smart payment terminals transmit, equally well, data relative to payment transactions and, for example, data relative to software updates. However, at present, a smart payment terminal in incapable of transmitting different data in accordance with their respective transmission constraints. This can represent a considerable cost for the merchant. A communications device is therefore provided to set up two connections simultaneously with two different gateways and thus be capable of exchanging data associated with different transmission parameters. Thus, the communications device can simultaneously transmit data relative to different types of services having distinct transmission parameters. | 2021-12-02 |
20210374714 | SHARING AND USING PASSES OR ACCOUNTS - The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces. | 2021-12-02 |
20210374715 | Transaction Cards and Computer-Based Systems Involving an On-Card Display and Mobile Device for Authenticating Transactions and Methods of Use Thereof - Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process. | 2021-12-02 |
20210374716 | SYSTEM AND METHOD FOR LINK-INITIATED VERIFICATION AND VALIDATION OF USERS - A system and method for a dynamic-link verification process between an electronic device and a transaction or event. The first step is engagement by a mobile electronic device with an initiator that is linked with a specific verification event that triggers a text message to auto-populate on a mobile electronic device. The message comprising metadata about the user and the event or transaction. The second step is for the electronic device to send the auto-populated message to a message gateway thus initiating the verification of the user. The message gateway works with a management service and one or more databases to verify the identify and other aspects of the user based on instructions provided by the event host. Approval or denial of the transaction or request to gain entry is sent to the mobile device and the event host. | 2021-12-02 |
20210374717 | TERMINAL AND OPERATING METHOD THEREFOR - The present invention relates to a terminal and an operating method therefor. The terminal executes a payment function in a first screen mode in which a screen direction of the terminal is a first direction, and can display a default payment card image corresponding to the executed payment function. The terminal transmits card information corresponding to the displayed default payment card image and can recognize that the first screen mode is changed to a second screen mode in which the screen direction of the terminal is a second direction. The terminal can execute an additional function related to a payment according to the transmitted card information in the second screen mode. | 2021-12-02 |
20210374718 | IC CARD, PROCESSING METHOD, AND INFORMATION PROCESSING SYSTEM - Provided is an IC card ( | 2021-12-02 |
20210374719 | SECURE PRESENTATION OF TRANSACTION CARD DATA OF NUMBERLESS TRANSACTION CARDS - A method for securely presenting transaction card data of a transaction card includes receiving, by a server, a pairing request to pair the transaction card with a user device. Based on the pairing request, the transaction card is paired with the user device by way of a pairing identifier. The server receives, from the user device, a data presentation request to present the transaction card data on the user device. In response to the data presentation request, the server validates the pairing between the user device and the transaction card based on the pairing identifier. The server communicates, to the user device, the transaction card data based on the validation of the pairing between the user device and the transaction card. The communicated transaction card data is presented on a user interface rendered on the user device. | 2021-12-02 |
20210374720 | SYSTEMS AND METHODS FOR CARDS AND DEVICES OPERABLE TO COMMUNICATE VIA LIGHT PULSING - A card is provided with a light sensor operable to receive information via light emitted from a display screen or another source of light. Accordingly, a mobile telephonic device or portable computer (e.g., tablet computer) may communicate information to a card via light pulses. Information communicated via light may include, for example, points balances, credit balances, debit balances, transaction history, software updates, coupons, promotions, advertisements or any other type of information. | 2021-12-02 |
20210374721 | METHOD FOR SECURING A COMPUTER SYSTEM - The invention is a method for securing a system including a plurality of entities and a repository storing usage patterns. The method comprises the following steps: for each of the entities involved in a transaction requested by a user, capturing a behavior data reflecting the dynamic behavior of said entity, generating a set of locality-sensitive-hashing hashes from each of said behavior data, computing a similarity score for each of the entities involved in the transaction, based on both said usage patterns and the set of generated locality-sensitive-hashing hashes, and based on a subset of the computed similarity scores, applying a preset security action to the transaction. | 2021-12-02 |
20210374722 | METHOD AND SYSTEM FOR CONTROLLING DISPLAY OF A REPRESENTATION OF A PHYSICAL USER TOKEN IN A DIGITAL WALLET - A method for controlling display of a graphical representation of a physical user token in a digital wallet application of an electronic device, where the graphical representation is specified by a token server of a token-issuing entity is described. The method comprises: receiving, at a central processing system, user token user-specified data from the electronic device, the user-specified data comprising a unique token identifier that represents the physical user token and an image identifier representing a user-determined image associated with the physical token; linking, at the central processing system, the unique token identifier with the image identifier; sending an update instruction from the central processing system to the token server, to update graphical asset data associated with the physical user token stored at the token server, the instruction including the image identifier and the unique token identifier, updating the graphical asset data associated with the physical user token stored at the token server, with the received image identifier and unique token identifier; transmitting from the token server, asset information relating to the graphical representation to the electronic device, the asset information being generated using the image identifier and the unique token identifier; and using the received asset information to display the graphical representation in the digital wallet application of the electronic device. | 2021-12-02 |
20210374723 | PAYMENT SYSTEM, COMPUTER READABLE RECORDING MEDIUM, AND PAYMENT SERVER - A payment system includes: a payment server including a first processor including hardware; and a terminal including a second processor including hardware, and a display, wherein the first processor is configured to cause the display to display a condition for renting a vehicle, the condition being set based on credit information on a plurality of payment methods registered in a wallet system. | 2021-12-02 |
20210374724 | SECURE DIGITAL WALLET PROCESSING SYSTEM - Systems and methods for implementing a secure digital wallet processing system. An example method comprises: receiving, by a computer system, a distributed ledger transaction and a public address; retrieving, from a key management system, a private key corresponding to the public address, wherein the key management system comprises a hardware security module (HSM) that generated the public address from the private key; signing the distributed ledger transaction by the private key; and providing the signed distributed ledger transaction to a distributed ledger. | 2021-12-02 |
20210374725 | WALLET SERVER, WALLET SYSTEM, AND COMPUTER READABLE RECORDING MEDIUM - A wallet server includes a processor including hardware, the processor being configured to remit electronic money collected at a predetermined rate based on a plurality of payment transaction methods registered in a first electronic wallet associated with a first user, to at least one of a second electronic wallet and a deposit account of a financial institution that are associated with a second user. | 2021-12-02 |
20210374726 | SYSTEMS AND METHODS FOR FACILITATING NETWORK MESSAGING - Systems and methods are provided for facilitating network messaging. An example method includes receiving a request to transfer funds, in a first currency, from a sender institution in a first region to a beneficiary institution in a second region and verifying presence of the funds at a sponsor institution in the first region. The method also includes requesting a conversion quote from an FX provider for the funds in the first currency, receiving the conversion quote from the FX provider in a second currency, and adding an entry for the funds in the second currency to a ledger. The method further includes requesting, from a liquidity provider in the second region, a liquidity quote for the funds in the second currency, accepting the liquidity quote from the liquidity provider, and facilitating settlement between the sponsor institution in the first region, the FX provider, and the liquidity provider. | 2021-12-02 |
20210374727 | ANONYMOUS FUNDING OF AN ONLINE ACCOUNT WITH CASH - A system and method for anonymously funding a temporary cash account is described. The system includes a personal mobile device, a cash account, a Point-of-Sale (POS) device and a network component. A device identifier is received by the personal mobile device. A unique session identification is generated by the network component and communicated to the personal mobile device and to the POS device. The POS device and personal mobile device displays the device identifier. The POS device then proceeds to receive a cash amount. The POS receives an instruction to associate the cash amount with the personal mobile device. The personal mobile device communicates the cash amount to the network component. The network component receives the device identifier, the unique session identification and the cash amount. The network component funds the cash account with the cash amount. The personal mobile device accesses the cash account to fund an activity. | 2021-12-02 |
20210374728 | PRIVACY-PRESERVING ASSERTION SYSTEM AND METHOD - Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity. | 2021-12-02 |
20210374729 | METHOD AND SYSTEM FOR EMPLOYING BLOCKCHAIN FOR FRAUD PREVENTION IN BULK PURCHASES - A method for preventing unauthorized repeat purchases of a product includes: storing a plurality of purchase data values, each related to a completed financial transaction and including a purchase identifier; receiving an authorization request for a new financial transaction from an external system, the authorization request including a specific identifier; identifying a number of purchase data values where the included purchase identifier matches the specific identifier; and transmitting an authorization response to the external system, the authorization response including (i) an approval of the new financial transaction if the number of purchase data values is below a predetermined number, or (ii) a denial of the new financial transaction if the number of purchase data values is equal to or above the predetermined number. | 2021-12-02 |
20210374730 | DCF DECENTRALIZED IDS AND VERIFIABLE CREDENTIALS FOR PRODUCT DELIVERY INTO DATA CONFIDENCE FABRICS - One example method includes identifying user information associated with a user-specific decentralized identity (DID) of a first party, associating the user information with the DID, defining data terms that specify which user information may be shared, and under what circumstances, presenting the DID for verification by a second party that comprises a computing entity, receiving an indication that the DID has been verified by the computing entity, and based on verification of the DID, entering into a transaction with the second party, wherein the transaction comprises providing, to the computing entity, in accordance with the data terms, only user information that is needed by the computing entity to effect the transaction. | 2021-12-02 |
20210374731 | SYSTEMS AND METHODS FOR CONSENSUS-BASED ACCESS CONTROL FOR SMART CONTRACT FUNCTIONS - Systems and methods to at least provide access control for execution of smart contract functions (methods) through consensus mechanisms are disclosed. A first smart contract is stored on a blockchain network. During execution, the first smart contract performs operations that include: aggregating a threshold number of signed blockchain transactions from authorized blockchain addresses, receiving a set of signed blockchain transactions calling a function of a target smart contract from a set of blockchain addresses, verifying that each blockchain address of the set of authorized blockchain addresses is authorized to make the call, and calling the function of the target smart contract when a number of signed blockchain transactions calling the function exceeds a threshold number. | 2021-12-02 |
20210374732 | Electronic Signature Leveraging for Consolidated Transactions - An order completion system and method are described. In some implementations, the system may execute the method which includes receiving an order from a user that includes a retail component; determining that a profile identification (ID) of the user is associated with prescription information of the user; forming a consolidated order by adding one or more eligible prescriptions associated with the user to the retail component of the order using the prescription information. The method may further include applying transaction rules to the consolidated order to determine whether the consolidated order is eligible for a single input authorized checkout; and responsive to determining whether the consolidated order is eligible for the single input authorized checkout, presenting to the user via a user interface, a prompt for the user to complete the consolidated order using the single input authorized checkout. | 2021-12-02 |
20210374733 | MULTI-SIGNATURE VERIFICATION NETWORK - Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s). The verification network receives selected offer(s) from the payer device and broadcasts the transaction to the blockchain network, in accordance with the selected offer(s) and the transaction request. | 2021-12-02 |
20210374734 | ARTWORK TRANSACTION METHOD AND ARTWORK TRANSACTION APPARATUS AND COMPUTER PROGRAM THEREFOR - An artwork transaction method, an artwork transaction apparatus, and a program therefor are provided, which allow for secure transaction of artwork on a network using computers. The artwork transaction method includes using a computer to receive the artwork and biometric signature data. The artwork transaction method includes using the computer to issue, to a contract account on a blockchain network, an exhibition transaction that includes information used for identifying the artwork and includes the biometric signature data. | 2021-12-02 |
20210374735 | TRANSACTION CONFIGURATION USING CRYPTOGRAPHIC AUTHENTICATION - A cryptographic scheme associated with a transaction service is received at a first computer system. Subsequent to receiving the cryptographic schema, the first computer system performs a configuration process for a transaction to be performed with the transaction service. The configuration process includes receiving a request for transaction configuration information from a client device. The request includes a cryptographic token generated by a second computer system the transaction service. The first computer system determines whether to grant the request based on analyzing the cryptographic token according to the cryptographic schema. Based on the determining, the first computer system sends transaction configuration information. The configuration process is performed by first computer system independent of communication between the second computer system and the first computer system. | 2021-12-02 |
20210374736 | WIRELESS BASED METHODS AND SYSTEMS FOR FEDERATED KEY MANAGEMENT, ASSET MANAGEMENT, AND FINANCIAL TRANSACTIONS - Short-range wireless protocols whilst leveraging enhanced security protocols, encryption techniques, and range raises alternate issues. For example, a user's smartphone would identify all the checkout POS terminals within range whilst the checkout POS terminal would identify all Bluetooth enabled devices within range. Accordingly, it would be beneficial to provide solution that allow for connection between a defined PED and a defined POS terminal within an overall environment of multiple PEDs and POS terminals. It would be further beneficial for the solution to remove the requirements of selecting PEDs and/or POS terminals and the ability to establish a connection between a predetermined device, e.g. a POS terminal or asset, amongst multiple POS terminals or assets. Accordingly, once a secure connection between the user's device and the POS terminal or asset is established the POS terminal or asset can then validate a key received from the user's device to authorize a transaction or an action relating to the asset. | 2021-12-02 |
20210374737 | SPLIT PATH DATA COMMUNICATION - A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request. As such, a communication interface of the server device may receive user data from the user's smartphone in response to the transmittal of the electronic message, possibly to process the request. | 2021-12-02 |
20210374738 | AUTHORIZATION CONTROL NETWORK AND METHOD OF VALIDATING AN AUTHORIZATION REQUEST - An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value. If the server(s) determines that the authorization value does not exceed a limit value saved in the limit profile and does not exceed a credit amount associated with the account identifier in a transactions database, the server(s) generates an authorization response confirming authorization of the authorization value, and transmits the authorization response to the POS device. | 2021-12-02 |
20210374739 | BLOCKCHAIN TRANSACTION PRIVACY PROTECTION METHOD AND BLOCKCHAIN NODE DEVICE - A blockchain transaction privacy protection method includes receiving a transaction request sent by a receiving node device, the request including a plurality of receiving accounts and a total amount receivable, and sending a plurality of transaction sequence numbers and a virtual wallet address corresponding to each of the plurality of transaction sequence numbers to the receiving node device, thereby making the receiving node device send a total amount receivable, the plurality of transaction sequence numbers, and the virtual wallet address corresponding to the plurality of transaction sequence numbers to a granting node device. A total amount receivable and the plurality of transaction sequence numbers sent by the granting node device are received. A transaction amount to each receiving account of the receiving node device according to the total amount receivable and the plurality of transaction sequence numbers are transferred, protecting the amount of the transaction and the parties. | 2021-12-02 |
20210374740 | PROVIDING COMPUTER-GENERATED CONTEXTUAL DATA TO AN END-POINT DURING A DIGITAL TRANSACTION - A system and method for providing computer-generated contextual data to an end-point during a digital transaction is provided. A method includes receiving a trigger message relating to a digital transaction between a consumer and a second entity. The trigger message includes a consumer identifier uniquely associated with the consumer and transaction details at least including a characteristic associated with the digital transaction. A data message including information based on an evaluation of the transaction details against a consumer-linked transaction matrix is obtained. The consumer-linked transaction matrix is linked to the consumer and includes information relating to the digital transaction. The data message is transmitted to a remote device with which the consumer interacts during pendency of the transaction and is configured to cause the device to output a prompt to the consumer displaying the data message. | 2021-12-02 |
20210374741 | COMPLIANCE CONTROLLER FOR THE INTEGRATION OF LEGACY SYSTEMS IN SMART CONTRACT ASSET CONTROL - The platform of the present disclosure may be configured to perform one or more methods via one or more systems to provide smart contract control over asset administration and management, where regulatory regimes may require the use of systems and protocols that would not otherwise be smart contract compatible by way of legal standards and/or technical constraints. Embodiments of the present disclosure may provide a compliance controller for integrating legacy system data and operations into a smart contract system in accordance with a regulated regime associated with an asset at the basis of the smart contract process. The platform may employ the compliance controller to interface the actions of the smart contract with the legacy systems associated with an asset controller operating outside of a blockchain corresponding to the smart contract. The asset controller may have off-chain control of the asset being administered and managed by the smart contract. | 2021-12-02 |
20210374742 | VOICE INTERFACE TRANSACTION SYSTEM USING AUDIO SIGNALS - Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system. | 2021-12-02 |
20210374743 | SYSTEMS AND METHODS FOR AUTHENTICATING A USER USING PRIVATE NETWORK CREDENTIALS - A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant. During the course of an online payment transaction, the cardholder authentication computing device may receive an authentication request messages containing pre-authentication data from a merchant computing device. The cardholder authentication computing device then authenticates the user based, in part, on the pre-authentication data. In certain embodiments, the cardholder authentication computing device may also determine whether one or more partner services apply to transactions between the user and the merchant based on the user's affiliation with the organization. | 2021-12-02 |
20210374744 | CONFIGURING AN ACCOUNT FOR A SECOND USER IDENTITY - The present disclosure generally relates to a computer system associated with a first user identity and a user interface for configuring an account for use by one or more devices associated with a second user identity. The user interface includes a control for selecting between a first account option that enables transfers between the account and only a first set of user accounts and a second account option that enables transfers between the account and a second set of user accounts, the second set of user accounts including the first set of user accounts and one or more additional user accounts associated with additional users. In response to receiving a request to configure the account, the account is configured with the first account option when the first account option is selected and the account is configured with the second account option when the second account option is selected. | 2021-12-02 |
20210374745 | DYNAMIC MODIFICATION OF A VERIFICATION METHOD ASSOCIATED WITH A TRANSACTION CARD - A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method. | 2021-12-02 |
20210374746 | MULTI-FACTOR AUTHENTICATION (MFA) ARRANGEMENTS FOR DYNAMIC VIRTUAL TRANSACTION TOKEN GENERATION VIA BROWSER EXTENSION - Arrangements requiring additional multi-factor authentication (MFA) in certain instances of dynamic virtual transaction token (e.g., virtual credit card token) generation via a browser extension. | 2021-12-02 |
20210374747 | SYSTEMS AND METHODS FOR LINKING AUTHENTICATIONS IN CONNECTION WITH NETWORK INTERACTIONS - Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID. | 2021-12-02 |
20210374748 | SYSTEMS AND METHODS FOR PERFORMING ATM FUND TRANSFER USING ACTIVE AUTHENTICATION - A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN. | 2021-12-02 |
20210374749 | USER PROFILING BASED ON TRANSACTION DATA ASSOCIATED WITH A USER - A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score. | 2021-12-02 |
20210374750 | SHARING AND USING PASSES OR ACCOUNTS - The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces. | 2021-12-02 |
20210374751 | METHOD AND SYSTEM FOR FACILITATING PAYMENT TRANSACTIONS - A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user. | 2021-12-02 |
20210374752 | INFORMATION PROCESSING SYSTEM, SERVER, AND COMPUTER READABLE RECORDING MEDIUM - An information processing system includes: a first mobile terminal including a first processor including hardware; and a server including a second processor including hardware, wherein the first processor is configured to output, to the server, attendance information indicating that a user attends an event requiring a participation fee, and a settlement request for the participation fee using electronic money deposited into an electronic wallet, and the second processor is configured to decide the user as an attendee of the event, and perform settlement processing of the participation fee by the electronic money based on the attendance information and the settlement request. | 2021-12-02 |
20210374753 | IDENTIFYING POTENTIAL CHARGEBACK SCENARIOS USING MACHINE LEARNING - A method of identifying a potential chargeback scenario includes generating or updating chargeback candidate detection rules, at least by training a machine learning program. The machine learning program may be trained using transaction data associated with financial transactions, and using chargeback determinations, for the financial transactions, that were made in accordance with chargeback rules associated with a card network entity. The method also includes receiving an indication that fraud has been confirmed for a financial transaction associated with a merchant and a financial account, and retrieving transaction data associated with the financial transaction. The method may further include determining, by applying the chargeback candidate detection rules, that a chargeback may be warranted for the transaction, and causing an indication of such to be displayed to one or more people via one or more computing device user interfaces. | 2021-12-02 |
20210374754 | RISK ASSESSMENT THROUGH DEVICE DATA USING MACHINE LEARNING-BASED NETWORK - There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative. | 2021-12-02 |
20210374755 | UNSUPERVISED UNIVERSAL ANOMALY DETECTION FOR SITUATION HANDLING - Techniques for implementing unsupervised universal anomaly detection for situation handling are disclosed. In some example embodiments, a computer-implemented method comprises detecting an anomaly in a new data point that has corresponding manifestation values for variable categories based on a restriction index for the corresponding manifestation value for at least one of the variable categories in the new data point, and causing a notification of the anomaly in the new data point to be displayed on a computing device based on the detecting of the anomaly. The restriction index for the corresponding manifestation value for the at least one of the variable categories in the new data point may be calculated for the corresponding manifestation value for each other variable category in the plurality of variable categories based on a manifestation space value and a prediction space value that are based on historical data points. | 2021-12-02 |
20210374756 | METHODS AND SYSTEMS FOR GENERATING RULES FOR UNSEEN FRAUD AND CREDIT RISKS USING ARTIFICIAL INTELLIGENCE - Embodiments provide methods and systems for detecting frauds in payment transactions made by payment instrument using spend patterns of multiple payment instruments associated with user. The method performed by server system includes accessing payment transaction data associated with a plurality of customers from a transaction database. The method includes training a first generative adversarial network (GAN) model based on the payment transaction data and a plurality of probable fraud risk conditions. The first GAN model is trained to generate simulated customer fraud behaviors. The method includes filtering, by the server system, the simulated customer fraud behaviors based on a predetermined filtering criteria. The method includes generating, by the server system, fraud risk scores for the simulated customer fraud behaviors based on a fraud risk model. The method includes extracting fraud risk rules based on a set of simulated customer fraud behaviors from the simulated customer fraud behaviors. | 2021-12-02 |
20210374757 | Systems for Securing Transactions Based on Merchant Trust Score - Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device. | 2021-12-02 |
20210374758 | Evaluating User Status Via Natural Language Processing and Machine Learning - A request is received from a first user of a social interaction platform. The request is a request to acquire a status. In response to the receiving of the request, a database is accessed. The database contains first electronic data pertaining to previous interactions between the first user and other entities of the social interaction platform. The first electronic data is analyzed via one or more Natural Language Processing (NLP) techniques. A first result is obtained based on the analyzing. A machine learning process is executed based at least in part on the first result. Based on the executing of the machine learning process, a determination is made whether to grant or deny the request received from the first user. | 2021-12-02 |
20210374759 | PHYSICAL PROXIMITY GRAPHING - Methods, systems, and devices supporting physical proximity graphing are described. Some systems may store a limited set of location information for a set of humans (e.g., refraining from tracking device location information to maintain user privacy). A system may send a survey to each person indicating a suggested list of people based on the location information. The people may provide feedback confirming whether encounters occurred with each suggested human. The system may use this information to generate a graph using hashed identifiers to obfuscate user identities, where the graph tracks connections between people (e.g., based on encounters within a time period). Based on a trigger event, the system may analyze the graph and identify a set of hashed identifiers connected to a person of interest (e.g., traversing multiple levels of the graph). The system may transmit messages to people corresponding to the identified set of hashed identifiers. | 2021-12-02 |
20210374760 | SYSTEMS AND METHODS FOR INTENT RESPONSE SOLICITATION AND PROCESSING - Disclosed embodiments provide a framework to solicit and evaluate responses from brands and other users to the intents communicated by customers. In response to obtaining an intent, an intent messaging service provides the intent to an application implemented on a computing device of a user to solicit a response to the intent. In response to obtaining an intent response, the intent messaging service prohibits the user from generating further intent responses and provides the obtained intent response to the customer. The intent messaging service establishes a communications channel between the customer and the user in response to another request corresponding to the intent. This allows for additional responses to be provided to the customer by the user identified by the intent messaging service. | 2021-12-02 |
20210374761 | SYSTEMS AND METHODS FOR QUANTUM BASED OPTIMIZATION OF STRESS TESTING - Various systems and methods are provided for quantum computing based optimization of stress testing. One exemplary method may comprise receiving a stress testing scenario, identifying one or more filtered stress testing factor data based on one or more stress testing factor data, stress testing scenario data, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered stress testing factor data of the one or more filtered stress testing factor data, and utilizing the selected QC algorithm for each filtered stress testing factor data to optimize a stress testing determination for each identified filtered stress test factor data. | 2021-12-02 |
20210374762 | System and Method for Virtual Verification in Pharmacy Workflow - A method and system provide for automated counting of prescription product and enables virtual verification of the dispensed prescription product. The method and system include capturing by a camera at a first site an image of the prescription product to be dispensed according to a prescription to a patient, electronically displaying the image on a display at a second site remote from the first site, and electronically transmitting a verification from the second site to the first site in response to the image of the prescription product being determined at the second site to be consistent with the prescription. | 2021-12-02 |
20210374763 | Selecting Available Assignments for Users Based on Mobile Computing Devices of the Users - A non-transitory computer-readable medium includes instructions that when executed by a processor cause the processor to perform a method for selecting available assignments for users based on mobile computing devices of the user. The method includes receiving an indication of at least one parameter of a mobile computing device associated with a user; accessing a plurality of available assignments, each assignment of the plurality of available assignments involving use of at least one mobile computing device; based on the at least one parameter of the mobile computing device associated with the user, selecting a subset of the plurality of available assignments; and offering the selected subset of the plurality of available assignments to the user. | 2021-12-02 |
20210374764 | FACILITATING FRAUD DISPUTE RESOLUTION USING MACHINE LEARNING - In a computer-implemented method of facilitating a fraud dispute resolution process, types of information historically indicative of fraud (or its absence) may be identified by training a machine learning program using transaction data associated with financial transactions and fraud determinations for those transactions. An indication that fraud is suspected for a first transaction may be received, and transaction data may be retrieved. Based upon at least one of the identified types of information and the transaction data, a first set of one or more queries that are designed to ascertain whether the first transaction was fraudulent may be generated. The first set of queries may be transmitted to a remote computing device for display to the customer, and a first set of one or more customer responses may be received. Based upon the first set of customer responses, it may be determined whether the first transaction was fraudulent. | 2021-12-02 |
20210374765 | FRAUD DETECTION SYSTEM AND METHOD - A system and method is described for detecting a foreign object such as a skimmer placed adjacent to a bezel for a magnetic card reader device, as used in automatic teller machines and gas pumps. At least two sensors are mounted adjacent to the bezel. Each sensor provides a signal that varies when a skimmer is mounted adjacent to the bezel. A controller receive measurement signals from the sensors, and generates an alarm signal when the measurement signals differ from associated predetermined baseline signals by at least associated predetermined thresholds. The alarm signal indicates that a foreign object has been detected adjacent the bezel. The sensors may be capacitive, time of flight, spectral, radar, and/or inductive. The capacitive sensors may include three or more plates, forming multiple capacitive pairs, each capacitive pair effectively forming a separate sensor. | 2021-12-02 |
20210374766 | COUNTLESS SYSTEM FOR PRE-STAGING AND EXECUTING TRANSACTIONS - A system for staging and executing secure, service-based, transactions is provided. The transactions are staged by a mobile device associated with a system user. The system may include a receiver. The receiver receives a communication from the mobile device in order to stage a secure, service-based, transaction. The system may also include a near-field communication (NFC) device mounted in the CSC. The NFC device may communicate with the receiver. When the receiver receives the communication, the receiver sets the NFC device to a staged state. In the staged state, the NFC device performs an NFC handshake with the mobile device. Following the NFC handshake, the receiver receives a signal from the mobile device. The signal includes a biometric confirmation of the identity of the user and an identification of the mobile device. The biometric confirmation may be derived by the mobile device from a biometric parameter associated with the user. The handshake initiates completion of the transaction. | 2021-12-02 |
20210374767 | AUTOMATIC REMEDIATION OF NON-COMPLIANCE EVENTS - A system and method for automatic remediation of non-compliance events are provided. In embodiments, a computer-implemented method includes: accessing a compliance profile and a remediation profile, wherein the compliance profile includes compliance data regarding rules for an enterprise and the remediation profile includes remediation data regarding remediation actions to address non-compliance with one or more of the rules; generating mapped data by mapping compliance data in the compliance profile to remediation data in the remediation profile; receiving non-compliance event data from a workload node in a network; extracting information from the non-compliance event data including the workload node associated with the event and a cause of event; determining a remediation action for the event based on the information and the mapped data; and invoking automatic performance of the remediation action at the workload node based on the determined remediation action. | 2021-12-02 |
20210374768 | Apparatus and Method for Implementing a Communication from a Premises Display Apparatus to a Personal Display Apparatus - An apparatus and a method for displaying content of a third party to a cellular phone of a patron of premises are shown and described. The premises may be for example a restaurant in which a premises display apparatus which is part of the apparatus system is placed on a table used by the patron. The patron may utilize the premises display apparatus to cause a particular commercial solicitation by the third party to appear on a screen of his or her cellular phone by an initiating action by the patron. The communication may be a commercial transaction completed using the cellular phone. The premises display apparatus selectively enables a generic menu of third party icons, or a home web page of one or more third parties, or another specific web page of any selected third party or via an application to be displayed on the cellular phone. | 2021-12-02 |