50th week of 2019 patent applcation highlights part 44 |
Patent application number | Title | Published |
20190378105 | KEY DUPLICATION SYSTEM - A key-duplicating system comprises a network that includes a multiplicity of kiosks at a multiplicity of different locations, each of the kiosks having a customer interface and a processor coupled to the customer interface. A remote central server coupled to the kiosks is adapted to receive, from the kiosks, information identifying master keys to be duplicated. A key analysis module uses the information identifying master keys to be duplicated to derive information required to produce duplicates of the identified master keys, and a key duplicating module uses that information to produce duplicates of said identified master keys | 2019-12-12 |
20190378106 | SYSTEMS AND METHODS FOR PAYMENT PROCESSING ON PLATFORMS - Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system. | 2019-12-12 |
20190378107 | MOBILE-COMPATIBLE OFFERING OF COMMERCIALLY IDENTICAL ITEMS FOR POST-RETAIL SALE - Systems, methods, and apparatuses for mobile-compatible offering of commercially identical items for post-retail sale are described herein. A mobile application may be used to pair with a point-of-sale system and to record an availability of units from a retail package. The mobile application may receive information indicating a current location of the mobile device and select, based on the indicated location, a point-of-sale system. The mobile application may send information that identifies the mobile application to the point-of-sale system. The mobile application may receive an indication of a retail package that includes a plurality of commercially identical items and an indication of a quantity of the commercially identical items that a user wishes to purchase. | 2019-12-12 |
20190378108 | TRANSACTION TERMINALS FOR AUTOMATED BILLING - A device may receive receipt information associated with items in an order. The receipt information may include item identifiers and price descriptors associated with the items in the order. The device may receive product information associated with the items in the order. The product information may include product identifiers based on images of the items in the order and object descriptors. The device may map a first item identifier for a first item in the order and a first product identifier for determining that the first item corresponds to a first price descriptor and a first object descriptor. The device may map a second item identifier for a second item in the order and a second product identifier for determining that the second item corresponds to a second price descriptor and a second object descriptor. The device may assign the first and second items to respective first and second sub-receipts. | 2019-12-12 |
20190378109 | SYSTEMS AND METHODS FOR PROVIDING PAYMENT HOTSPOTS - Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device. | 2019-12-12 |
20190378110 | SYSTEM AND METHOD FOR PROVIDNG CONSUMER CREDIT - The present invention provides for customizable credit an installment plan purchases accessible by a consumer at a point-of-transaction. | 2019-12-12 |
20190378111 | RAPID ONLINE PAYMENT SYSTEM - A method for online payments includes receiving an instruction to start a payment application. Payment tag information is then received and sent over a network. Product information that is associated with the payment tag information is then received over the network and displayed on a first payment page that includes a request for payment account credentials. The first payment page is provided through the payment application immediately following the sending of the payment tag information. Payer account credentials are then received through the payment application and sent over the network. Payer account information is then received over the network and displayed on a second payment page that includes a payment confirmation indicator. The second payment page is provided through the payment application immediately following the first payment page. A selection of the payment confirmation indicator is then received through the payment application and sent over the network. | 2019-12-12 |
20190378112 | PHYSICAL, LOGICAL SEPARATION OF BALANCES OF FUNDS - In particular embodiments, a method includes providing a user interface of a payment service application that includes interactive icons corresponding to financial accounts associated with a user. The method includes determining suggested financial sub-accounts that relate to a financial account associated with the user and suggested balances of the suggested financial sub-accounts based on a transaction history of the user associated with the related financial account. The method includes presenting suggested financial sub-accounts in the user interface. The method includes receiving input that represents a request to establish the suggested financial sub-account. The method includes processing the request by associating the financial sub-account with the related financial account, associating a sub-account identifier with the financial sub-account, and causing a portion of the account balance of the related financial account to be allocated to the sub-account balance. The method includes presenting a new interactive icon corresponding to the financial sub-account. | 2019-12-12 |
20190378113 | TRANSACTION SECURITY SYSTEM - A system for managing a transaction. The system receives a transaction description that identifies the parties to the transaction and time and location of the transaction. The system tracks the locations of the parties to the transaction starting prior to the time of the transaction and ending after the transaction has been completed. The system provides to each party an indication of tracked locations of at least one other party to the transaction so that a party may know the tracked location of another party. The system receives from a party an indication that the transaction is complete. The system records an indication that the transaction is complete. | 2019-12-12 |
20190378114 | METHOD OF MANAGING AN EMERGENCY MODE TRANSACTION PROCEDURE, AND AN ASSOCIATED DEVICE - A method and device for managing an emergency procedure of an emergency transaction mode that can be activated in the event of a computer attack on or a failure of a transaction network. The method may be carried out by an electronic device suitable for performing a transaction in a normal mode or in the emergency mode. The method performs operations that may include receiving an activation command for activating the emergency mode procedure, where the command includes an identifier of the procedure and first encrypted data; verifying the activation command, which includes verifying the first encrypted data; and if verification of the command is successful, activating the emergency procedure. | 2019-12-12 |
20190378115 | ELECTRONIC PAYMENT APPARATUS - The present invention concerns electronic payment apparatus. More particularly, but not exclusively, this invention concerns electronic payment apparatus, and methods and systems for making electronic payments. An apparatus for conducting a financial transaction is provided. The apparatus comprises a smart device with an application. The smart device has a first configuration in which the application displays account information, and a second configuration in which the smart device displays an optically readable transaction authorisation code. The transition between the first configuration and second configuration is effected by changing the orientation of the smart device. | 2019-12-12 |
20190378116 | SYSTEM AND METHOD FOR AUTOMATIC DEVICE CONNECTION FOLLOWING A CONTACTLESS PAYMENT TRANSACTION - Contactless payment data can be received from a mobile device via a contactless payment terminal. Responsive to receiving the contactless payment data from the mobile device, a token can be communicated to the mobile device via the contactless payment terminal, the token configured to be processed by the mobile device to initiate a particular communication functionality by the mobile device. | 2019-12-12 |
20190378117 | ADDING CARD TO MOBILE WALLET USING NFC - A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet. | 2019-12-12 |
20190378118 | COMPONENTS FOR ENHANCING OR AUGMENTING WEARABLE ACCESSORIES BY ADDING ELECTRONICS THERETO - A system and device for adding electronics to materials of a wallet to form a smart wallet. A smart wallet stows and retrieves information stored or displayed on various transaction cards and other information typically carried within the wallet. Electronic and physical features of a smart wallet include devices and techniques for attaching electronics to accessories, and also for attaching accessories, to primary devices to form a smart wallet. The user can then interact with the smart wallet and its cards, information and accessories using an interface that governs that interaction while retaining the security of the information. Mechanical features include techniques for integrating electronics within materials to add electronic functionality to make any device a smart wallet. Several accessory styles and devices for attaching same to electronics are also disclosed. | 2019-12-12 |
20190378119 | WALLET DEVICE FOR CRYPTOCURRENCY AND METHOD OF SIGNATURE FOR THE USE THEREOF - A wallet device comprising, a central control server device to accept a trading request data from external, a transaction manage device, a hot wallet server device, a cold wallet server device and a remote signature device, the transaction manager device comprising unit to create/output transaction data conforming to the bitcoin network in the internet, is located in-between the central server device creating internal format model transaction and other devices group of hot wallet server device, cold wallet server device and the remote signature device performing to sign multi-signatures, providing more secured wallet device for cryptocurrency. | 2019-12-12 |
20190378120 | SYSTEM AND METHOD FOR USER IDENTIFICATION AND AUTHENTICATION - A method for an institution to open an account for a user is provided. The method notably comprises receiving a request from the user to open the account with the institution. The user is asked, via a digital channel, for a payment from a digital wallet of the user. The identification of the user is performed at least in part by receiving information about the user from the digital wallet of the user and using an identification method that is associated with the digital wallet. The authentication of the user is performed by comparing at least two sets of information, one received from the digital wallet and one inputted by the user. The account with the institution is then opened and a payment request is made from the digital wallet to an issuing bank of the user. | 2019-12-12 |
20190378121 | CRYPTOGRAPHIC TECHNOLOGY PLATFORM AND METHODS FOR PROVIDERS TO ENABLE USERS TO MONETIZE THEIR DATA - In general terms this invention provides embodiment of systems that permit better usage of consumer generated data that permit the consumer methods to monetize the information and maintain control over the data at the time of its creation and at later times. Certain embodiments comprise a user whose interaction can cause a provider to create data regarding the interaction. The user can authenticate the data using encryption aspects and permit the user to self-publish data. The self-publishing can occur in a manner that only requires direct trust of the technology provider regarding the data validity. The invention may incorporate an Ethereum network. Embodiments of the system may verify, exchange, encrypt and decrypt data allowing purchasers to purchase the data or certain portions of it. | 2019-12-12 |
20190378122 | INFORMATION MANAGEMENT SYSTEM, INFORMATION MANAGEMENT METHOD, AND PROGRAM RECORDING MEDIUM - Provided is an information management system that comprises: a payment information confirmation device which is connected over a network to a cryptocurrency system management terminal that manages a cryptocurrency system, which extracts transaction information including address information for a seller account in a cryptocurrency system, and which generates and transmits payment confirmation information including at least a transfer amount from the extracted transaction information; and a register device which is connected to the payment information confirmation device, receives the payment confirmation information from the payment information confirmation device, displays the received payment confirmation information, converts the currency units of an entered transaction amount into a cryptocurrency units payment amount in the currency units of the cryptocurrency system, generates a two-dimensional code in which are recorded the cryptocurrency units payment amount and the address information, and displays the generated two-dimensional code. | 2019-12-12 |
20190378123 | ELECTRONIC SYSTEM FOR ARRANGING FOREIGN SERVICES - The disclosed system allows a foreign buyer to use a computer system to review services, select services and pay for services at pre-arranged prices. | 2019-12-12 |
20190378124 | Anonymous Mobile Payment And Order Delivery System - A method for a system and method of data processing whereby customers can pay their tab or check out from a merchant without having to disclose sensitive personal and financial information to the merchant. Upon arrival at a merchant's place of business, the user is prompted to take a self-portrait photograph, and a unique random identifier code is generated through a mobile application. The unique random identifier code is associated with a user's payment information, and the user's tab. After ordering menu items from a merchant, the user may pay its tab through the application and without disclosing identifying or financial information to the merchant. Upon receipt of tabs from one or more users, wait staff at the merchant's place of business are provided with user photograph, order and location information, along with delivery instructions, in order to fulfill each tab quickly and accurately. | 2019-12-12 |
20190378125 | Rewards-Based Payments - In one embodiment, a method includes receiving, at a server computing device and from a payment application of a client computing device, a notification identifying a transaction and one or more rewards-based payment requests for the transaction. The method includes sending a notification to a rewards provider corresponding to the one or more rewards-based payment requests. That notification identifies at least the transaction, the client computing device or a user of the client computing device, and the one or more rewards-based payment requests. The method includes receiving, at the server computing device and from the rewards provider, a notification authorizing the one or more rewards-based payment requests. Finally, the method includes sending, by the server computing device, a notification to the client computing device updating the payment application with the one or more rewards-based payment requests having been applied to the transaction. | 2019-12-12 |
20190378126 | Systems and Methods to Apply Values from Stored Value Accounts to Payment Transactions - A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account. | 2019-12-12 |
20190378127 | System and Method for Securing Transaction in a Blockchain Network - A method for securing transaction in a blockchain network and a related system with a blockchain network. The blockchain network has information handling devices operably connected with each other. The information handling devices collectively maintain a blockchain ledger containing one or more transaction blocks with transaction information. The method includes validating a new transaction request to be added to the blockchain ledger. The validation includes digitally signing, at two or more of the information handling devices in the blockchain network, respectively, an interim block associated with the new transaction request, using a HASH value of the interim block and respective private keys of the two or more of the information handling devices. The method also includes verifying the one or more signed interim blocks for determining whether to add to the blockchain ledger a new transaction block containing the validated new transaction request and the at least two digital signatures. | 2019-12-12 |
20190378128 | Cryptographic Contract Payment and Dispute Resolution System - Disclosed embodiments may include systems and methods for the creation of self-executing smart contract computer programs (“Smart Contracts”) recorded on one or more blockchains as “on chain” contracts comprising machine extracted terms from non-blockchain recorded (“off chain”) digital contracts. Disclosed systems include means of conversion of fiat currencies to cryptographically generated and unique tokens (“crypto-tokens”) at a pre-set market exchange rate that does not fluctuate after the initial exchange and until directly exchanged back to the original fiat currency. Disclosed systems facilitate automated digital performance of the payment terms of off-chain contracts via on-chain smart contracts and crypto-tokens. Upon the performance of an on-chain self executing smart contract, the system will automatically release crypto-tokens or other consideration that is either held in escrow or held by an interested party. In case of a contract dispute, the system will issue a judgment using electronic data, pre-defined rules and machine logic. | 2019-12-12 |
20190378129 | ENCAPSULATED SECURITY TOKENS FOR ELECTRONIC TRANSACTIONS - Functional data for use in one or more digital transactions are secured by using an encapsulated security token (EST). In certain embodiments, the EST is created by encapsulating digital data including the functional data using at least two cryptographic systems of two parties. The encapsulation and subsequent de-encapsulation can utilize cryptographic systems of the parties that involve a private key for signing and decryption and a public key for encryption and signature verification. If constructed carefully over a series of rigorous events, the resulting EST can be practically impossible to counterfeit. In addition, a propagation of rights can be tracked for auditing and rights can be easily terminated or modified. | 2019-12-12 |
20190378130 | ENCAPSULATED SECURITY TOKENS FOR ELECTRONIC TRANSACTIONS - Functional data for use in one or more digital transactions are secured by using an encapsulated security token (EST). In certain embodiments, the EST is created by encapsulating digital data including the functional data using at least two cryptographic systems of two parties. The encapsulation and subsequent de-encapsulation can utilize cryptographic systems of the parties that involve a private key for signing and decryption and a public key for encryption and signature verification. If constructed carefully over a series of rigorous events, the resulting EST can be practically impossible to counterfeit. In addition, a propagation of rights can be tracked for auditing and rights can be easily terminated or modified. | 2019-12-12 |
20190378131 | SECURE DIGITAL SAFE DEPOSIT BOXES AND METHODS OF USE - Systems and methods for secure digital safe deposit boxes are disclosed. In one embodiment, a method for using a secure digital safe deposit box may include: (1) receiving permission from a customer to access internal and third party financial or confidential information for the customer; (2) retrieving the internal financial or confidential information for the customer; (3) receiving account information accounts held with a third party that holds financial or confidential information; (4) jointly authenticating the customer with the third party; (5) receiving the third party financial or confidential information for the customer from the third party; (6) receiving permission to share at least some of the internal or third party financial or confidential information for the customer with an external party; and (7) sharing the internal or third party financial or confidential information for the customer with the external party in accordance with the permission. | 2019-12-12 |
20190378132 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A method including receiving, by a computer system over a computer network from a recipient financial institution, (i) a public identifier associated with a recipient and (ii) a private profile identifier that was generated by the recipient financial institution. The method also can include storing, by the computer system, a record including the public identifier and the private profile identifier in an information directory. The method additionally can include receiving, by the computer system over the computer network, a funds transfer request to transfer funds from a sender account of the sender at a sender financial institution to the recipient account at the recipient financial institution. The method further can include determining, by the computer system, the private profile identifier for the recipient based on the public identifier in the funds transfer request and using the record stored in the information directory. The method additionally can include in response to receiving the funds transfer request, providing the private profile identifier, by the computer system over the computer network, to the sender financial institution to facilitate a transfer of the funds from the sender account at the sender financial institution to the recipient financial institution. Other embodiments are disclosed. | 2019-12-12 |
20190378133 | DECENTRALIZED OUT-OF-BAND ACCELERATED BLOCKCHAIN TRANSACTION PROCESSING - An example operation may include one or more of identifying a blockchain transaction requiring commitment processing for commitment to a blockchain, determining the blockchain transaction is delayed, responsive to identifying the blockchain transaction is delayed, creating a transaction acceleration smart contract defining an incentive for performing the commitment processing of the blockchain transaction, and storing the transaction acceleration smart contract blockchain in a different blockchain. | 2019-12-12 |
20190378134 | ANNOTATIONS FOR PROTOCOL FLOW IMPLEMENTING TRANSACTIONS OF A DISTRIBUTED LEDGER SYSTEM - A method and system are provided to support a decentralized distributed ledger in which transactions are recorded by parties to the transactions without the use of a blockchain. A distributed ledger system provides a protocol framework that supports the development of protocol flows. A protocol flow is computer code that controls the performance of a transaction by the party or parties to the transaction. Protocol flows can be developed for different types of transactions. The distributed ledger system allows transactions to be proposed, accepted, and notarized by a notary and stored without the use of a blockchain ledger. The distributed ledger system can avoid the expense of the computational and storage resources needed to redundantly verify a transaction and store evidence on the many nodes of a blockchain distributed ledger. | 2019-12-12 |
20190378135 | NON-INTRUSIVE GEO-LOCATION DETERMINATION ASSOCIATED WITH TRANSACTION AUTHORIZATION - Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns. | 2019-12-12 |
20190378136 | PROGRAMMATIC APPROVALS OF CORPORATE SPEND AND EMPLOYEE EXPENSE - A method of approving expenditures in real-time, comprising receiving an expenditure request initiated by a user associated with an organization for transferring funds of the organization in exchange for one or more products and/or services, identifying request attribute(s) relating to the user, the value, the funds, the product, the service, a time of reception of the expenditure request and/or a geographical location of the user, analyzing scheduling data obtained from one or more online data sources which is indicative of one or more activity attributes of activity(s) scheduled for the user, automatically determining compliance between the request attribute(s) and one or more expenditure rules predefined for the product(s) and/or service(s) with respect to the activity attribute(s) and transmitting a response to the expenditure request according to the determination which includes approval of the expenditure request in case of compliance and rejection in case of incompliance. | 2019-12-12 |
20190378137 | METHODS AND APPARATUS FOR FACILITATING A FINANCIAL TRANSACTION - A method is provided for authorizing a financial transaction between a consumer and a merchant. The method includes receiving, at a processor of a computer system, a request for authorization for the financial transaction from a credit clearing system; accessing, by the processor, an open to buy file to determine if adequate resources exist to complete the financial transaction, wherein the open to buy file corresponds to both a credit account and a deposit account that are associated with the consumer; when it is determined that the adequate resources exist, then: transferring funds, using the processor, from the deposit account to a remittance account associated with the consumer and the credit account, thereby building an outstanding balance on the credit account; and authorizing, using the processor, the financial transaction with the credit clearing system based on the transfer of funds from the deposit account to the remittance account. | 2019-12-12 |
20190378138 | SYSTEM AND METHOD INCLUDING CUSTOMIZED LINKAGE RULES IN PAYMENT TRANSACTIONS - Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. A user of a portable consumer device enrolls the account identifier associated with the portable consumer device and specifies one or more customized linkage rules that identify one or more user communication devices and user identifiers that should be used to submit an authentication request message to an entity that generates a dynamic verification value. A server computer that receives an authentication request message determines whether the authentication request message complies with the specified customized linkage rules and generates a dynamic verification value. | 2019-12-12 |
20190378139 | TRACKING AND RECOVERING TRANSACTIONS PERFORMED ACROSS MULTIPLE APPLICATIONS - As steps of transactions are performed, a tracking system tracks the transactions by writing blocks of reports representing the performed steps of the transactions into a master blockchain. The master blockchain serves as an immutable record of performed steps for all transactions. The tracking system further generates individual lineage blockchains that include blocks of reports that are specific for a particular transaction, and the order of their creation. Therefore, each lineage blockchain serves as immutable record of performed steps for a specific transaction. The tracking system can monitor the states of the transactions as they are performed by accessing individual lineage blockchains. Therefore, when a transaction exception (e.g., a transaction error) occurs for a transaction, the tracking system can identify the transaction that is affected and can initiate a recovery process to ensure that the transaction exception is rectified. | 2019-12-12 |
20190378140 | SECURE MULTI-FACTOR TOKENIZATION-BASED SUB-CRYPTOCURRENCY PAYMENT PLATFORM - Example methods, apparatuses, and systems are presented that allows a consumer to conduct a purchase backed by a volatile currency that is not recognized by a merchant as a valid form of payment, such as a cryptocurrency. A third-party payment system is configured to issue a secure, reliable token to replace a reserved amount of volatile currency that represents a reliable amount of currency that is recognized by the merchant as a valid form of payment. The third-party payment platform may issue the reliable amount of currency in the reliable token based on one or more risk factors associated with the volatile currency. After purchase, the third-party payment platform may perform a consumer settlement process at a later time, including performing a cryptocurrency blockchain verification process that typically takes at least several minutes and would be impractical to perform at the point of sale. | 2019-12-12 |
20190378141 | USER CONTROLLED EVENT RECORD SYSTEM - A user controlled mobile device for use in countering phantom billing fraud in connection with receiving health care services includes one or more components capturing and outputting biometric data and location data, a processor configured to determine a confidence score, and a data storage device holding an event record created without explicit user intervention indicating whether the particular user was at the particular location, the event record including the confidence score, a timestamp corresponding to events at or near a time of the timestamp including a time of capture of the biometric and location data, the biometric data and location data, where the stored event record serves as the personal audit trail evidencing an existence or absence of phantom billing. | 2019-12-12 |
20190378142 | BIOMETRIC TOKEN FOR BLOCKCHAIN - An example operation may include one or more of obtaining a first biometric sample of a user from a user device. extracting, by an issuing node of a permissioned blockchain network, a biometric template from the first biometric sample, encrypting the biometric template, distributing an issuetoken proposal comprising the encrypted biometric template to the blockchain network, and generating and distributing a biometric token to the user device. In response to the user indicating to the user device to redeem the biometric token, the method includes one or more of presenting, by the user device, the biometric token to a verifying node of the blockchain network, validating, by the verifying node, the biometric token, receiving, by the verifying node, a second biometric sample from the user device, distributing a redeemtoken proposal to the blockchain network, committing a transaction corresponding to the biometric token, to the blockchain network, and invalidating the biometric token. | 2019-12-12 |
20190378143 | SYSTEM AND METHOD OF A MEDIA DELIVERY SERVICES PLATFORM FOR TARGETING CONSUMERS IN REAL TIME - A media targeting system may be configured to coordinate media and manage media conflicts in its delivery to consumers. The media targeting system may in near real-time arbitrate between all offers assigned to a particular consumer or available to the consumer via one or more channels to ensure that a consumer only receives non-conflicting offers during particular time periods. The media targeting system may translate offers into a real-time, in-store loyalty environment including consumer real-time behavior assignment into traits in order to make a real-time offer assignment based on the traits. | 2019-12-12 |
20190378144 | SYSTEMS, DEVICES AND METHODS FOR PROVIDING A DIGITAL EXPERIENCE - A system, an apparatus, a method and a computer program product provide a digital experience for digital commerce aspects of a community. The system includes one or more databases configured to store data of one or more products, a server that includes at least one memory configured to store computer-executable instructions, and at least one processor configured to execute those computer-executable instructions. Those instructions include product display instructions for providing information about the products to a user of the community. The computer-executable instructions further include product purchase instructions for enabling the user to purchase products. The computer-executable instructions further include product delivery instructions for enabling delivery tracking of purchased products. The computer-executable instructions further include product authentication instructions for capturing details of an authenticated product by scanning an authentication tag attached to the products. | 2019-12-12 |
20190378145 | HAZARDOUS MATERIAL INFORMATION SYSTEM USING DIAMOND PLACARD - A method and system of managing regulatory information associated with environment, health and safety data, such as MSDS data, including a database of regulatory data associated chemical products, and a database configured to maintain selected elements of the regulatory data, wherein the selected elements correspond to chemical products identified by the user, and a regulatory server configured to update the regulatory data with regulatory authorities received from a plurality of regulatory authorities. A server provides the user with compliance information relating to the selected elements in response to the user scanning a QR code on a label associated with a chemical container at a remote location with the user's cellular device, and provides the user with the option of receiving the compliance information via a text file or voice file, with said compliance information being communicated to the user at the remote location via the user's cellular device. | 2019-12-12 |
20190378146 | SYSTEMS, METHODS, AND DEVICES FOR AUTHENTICATION OF A PRODUCT - A system, a method, and a device for authentication of a product includes one or more databases configured to store data of one or more products, and a user device communicatively coupled to the databases via a network. The user device includes at least one memory configured to store computer executable instructions, and at least one processor configured to execute the computer-executable instructions to receive, from an authenticator, product search data of the product, and to search the product in the databases based on the product search data. The product is listed by a user for authentication, and the product is authenticated by scanning an authentication tag attached to the product. The authentication tag is pre-programmed and becomes inactive when detached from the product. There is also a dual-purpose device for authenticating a commercial product and associating a brand with the authentication of the product. | 2019-12-12 |
20190378147 | SYSTEM AND METHOD FOR PROVIDING ADVERTISING CONTENT VIA MOBILE DEVICE DOCKING STATION - Certain of the disclosed embodiments present a system and method for providing in-home targeted advertisements to individual consumers. For instance, the disclosed embodiments include an in-home advertising device that enables a user to interact with the in-home advertising device and purchase items with the push of a button. Additionally, in some embodiments, the in-home advertising device may include a built in printer for enabling a user to print an advertised and/or coupon. | 2019-12-12 |
20190378148 | SYSTEM AND METHOD FOR APPLYING TRACING TOOLS FOR NETWORK LOCATIONS - A method is disclosed for enabling a network location to provide an ordering process for data relevant to connected network devices' activities. The method includes assembling the data, utilizing the activity data, and associating the data, such that information is derived to enable a desired expansion of at least one designated activity. Another method is disclosed for managing an object assignment broadcast operations for a network location based on a network device's previous activities. This second method includes tracing a network device's conduct to determine that a network device prefers a particular class of content. The method also includes tagging a network device's profile with the respective observation and deciding by a network location as to the classification factor for a network device to be targeted for an object assignment broadcast. | 2019-12-12 |
20190378149 | PREDICTIVE ANALYTICS FOR LEADS GENERATION AND ENGAGEMENT RECOMMENDATIONS - An automated predictive analytics system disclosed herein provides for generating sales leads with lead engagement recommendations. In one implementation, the system determines similarities between fitness, engagement, and intent characteristics of a plurality of target clients and fitness, engagement, and intent characteristics of an entity's existing clients. Subsequently, the system generates recommendations for engagement with the plurality of target clients, wherein components of the recommendations for engagement are based on determined similarities between the fitness, engagement, and intent characteristics of the plurality of target clients and the fitness, engagement, and intent characteristics of the entity's existing clients. The system presents the plurality of leads with the recommendations of engagement to using a graphical user interface (GUI) at the application layer of the system. | 2019-12-12 |
20190378150 | Systems, Methods and Applications for Using and Enhancing Vehicle to Vehicle Communications, Including Synergies and Interoperation with Satellite Radio - Various applications, systems and methods for using, and enhancing V2V communications for various purposes are described. These systems and methods leverage various aspects of satellite radio broadcasts in combination with V2V communications. In some embodiments, V2V-enabled vehicles can receive advertisements or offers from RSEs, or even other V2V enabled vehicles, in a defined Target Region, which may then be played to a user in-vehicle once a given Trigger Region has been entered. By logging all advertisements or offers played to a user and sending the log to an RSE, for example, and from there to a content provider (e.g., an SDARS service operator), verified delivery of advertisements is achieved, which allows the content provider to obtain significant revenues from advertisers. In return for uploading the playback record from the vehicle to the RSE, a variety of incentives may be offered, such as (i) free or discounted satellite radio subscription; (ii) download credits for music or videos from an online store; (iii) reduced or free tolls on toll roads (e.g., RSE embedded in a toll collection plaza); (iv) premium audio or video content, (v) credit at an online store; and (vi) a special coupon code redeemable for merchandise. | 2019-12-12 |
20190378151 | REAL-TIME PRODUCT SELECTION GUIDANCE FOR CONDITIONAL SALES - A valid combination of products is constructed from a set of products identified by a retailing backend system. the valid combination satisfies a condition of an offer. A product in the combination of product is a physical product located in a physical store. A social sentiment towards the product in social media data of a shopper is evaluated, and a rating of the product is computed using the evaluation. A location of the product in the store is obtained from the retailing backend system. The location of the product is overlaid on a view of the store, where the view is from a perspective of a location of the shopper, the shopper being physically situated in the store. | 2019-12-12 |
20190378152 | DIRECT MARKETING VIA CHAINED INTERACTIONS IN A BLOCKCHAIN - An example operation may include one or more of creating a smart contract with a conditional result distribution schedule for one or more referral events performed by account profiles associated with approved sites, storing the smart contract in a blockchain, identifying the one or more referral events being performed on the one or more approved sites, and storing the one or more referral events in the blockchain. | 2019-12-12 |
20190378153 | Attention Token Digital Asset Rewards - An attention application includes a digital asset wallet. The attention application can estimate the attention a user has spent such as on media content created by a publisher or ads sent by an advertiser. The attention application can pay an amount of the digital asset to the publishers based on the attention spent by the user or receive a payment of the digital asset if the user devoted sufficient attention to a paying advertiser. The user of the attention application can | 2019-12-12 |
20190378154 | System And Method For Real-Time Demand Stimulation - An exemplary system and method are provided for a seller to increase demand in real-time by providing an incentive(s) or condition(s) for a consumer to purchase otherwise unused products, services or capacity, and notifying potential customers of the incentive(s) in real-time. The method may include offering a reduced price or other incentive at the last minute, initiating communications via an electronic communications platform, alerting potential customers of the incentive, directing the customer to the event or location, and making the purchase transaction. | 2019-12-12 |
20190378155 | TIME CRITICAL INVENTORY CONTROL SYSTEMS AND METHODS - Apparatus and associated methods relate to a perishable product inventory control system configured to predict a perishable product surplus quantity at a location and time determined as a function of product expiration time, associate the predicted product surplus to a shopper seeking the product at the predicted location and time, and, automatically offer the shopper a portion of the product surplus discounted as a function of the perishable product surplus expiration time. In an illustrative example, the product surplus quantity, location, and time may be calculated based on inventory level and consumption rate. The product surplus location and time may be, for example, a restaurant's closing time, permitting the shopper to receive an offer to purchase a meal discounted as a function of time remaining until closing. Various examples may advantageously reduce cost and waste, based on matching shoppers with perishable products discounted as a function of product expiration time. | 2019-12-12 |
20190378156 | SYSTEMS AND METHODS FOR PROVIDING OFFERS - A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device. | 2019-12-12 |
20190378157 | SYSTEM AND METHOD FOR PROVIDING ENHANCED REWARDS TO CUSTOMERS - Systems and methods for providing rewards to a user are provided. Providing rewards to the user may include receiving transaction data associated with a user's purchase, determining a merchant and a category associated with the transaction data, and assigning the transaction data to a merchant icon or a badge icon in a graphical user interface. The merchant icon or the badge icon may comprise a progress bar that indicates the user's progress in reaching a milestone associated with the icon. Based on the transaction data, a number of loyalty points of a number of transaction points may be assigned to the merchant icon or the badge icon, respectively. Further, based on whether a total number of loyalty points exceeds a first threshold or a total number of transaction points exceeds a second threshold, a reward may be generated to the user when the first or second threshold is exceeded. | 2019-12-12 |
20190378158 | PREPAID REWARDS CREDITED TO A TRANSACTION ACCOUNT - A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers. | 2019-12-12 |
20190378159 | Method and System for Consumer Award Program for Washroom Usage - A system and control method are provided for encouraging patron use of washrooms at commercial establishments. A plurality of commercial establishments are enrolled in a washroom rewards program, as well as patrons that may frequent or visit such establishments. Respective point values in the washroom rewards program are established for defined washroom activities performed by the patrons in the washrooms of the commercial establishments. The identity and location of the commercial establishments are provided to the patrons. Upon the patrons performing one of the defined washroom activities in one of the commercial establishments, the patron is identified and awarded credit of the points for the defined activity to a player account assigned to the patron. Provisions are made for the patrons to redeem accumulated points in their respective account for an award. | 2019-12-12 |
20190378160 | METHOD AND DIGITAL SIGNAGE PLAYER FOR MANAGING DISTRIBUTED DIGITAL SIGNAGE CONTENT - A method and digital signage player for managing display of a distributed digital signage content. The digital signage player stores the distributed digital signage content, and a local placement target for the distributed digital signage content. The digital signage player displays the distributed digital signage content in accordance with the local placement target. The digital signage player exchanges messages with a neighbor digital signage player, for increasing the local placement target of the distributed digital signage content at the request of the neighbor digital signage player. The neighbor digital signage player also displays the distributed digital signage content in accordance with its own placement target, which needs to be decreased. The digital signage player ultimately increases the local placement target of the distributed digital signage content based on the messages exchanged with the neighbor digital signage player. | 2019-12-12 |
20190378161 | METHODS AND APPARATUS TO INTEGRATE TAGGED MEDIA IMPRESSIONS WITH PANELIST INFORMATION - Methods, apparatus, systems and articles of manufacture are disclosed to integrate tagged media impressions with panelist information. An example apparatus includes: a memory; and a processor to: request a unique identifier of a panelist from a central server in an audience measurement environment; receive the unique identifier of the panelist; and modify a user agent setting of a web browser executing on the processor to insert the unique identifier of the panelist into a user agent string of the web browser. | 2019-12-12 |
20190378162 | SYSTEMS AND METHODS FOR ENFORCING ADVERTISING STANDARDS AND DIGITAL ADVERTISEMENT MEASUREMENTS - Systems and methods for enforcing advertising standards and digital advertisement measurements, including programmatic advertising analytics, to collect and verify advertising event data. | 2019-12-12 |
20190378163 | METHOD AND APPARATUS FOR CLUSTERING PLATFORM SESSIONS AND USER ACCOUNTS ASSOCIATED WITH THE PLATFORM SESSIONS - Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products that provide for an improved and more efficient system for transmitting content to client devices. The embodiments disclose an apparatus that clusters user behavior based on platform session records. The platform session records comprise stored data associated with a plurality of user inputs received by the system for the duration of a platform session. The apparatus and methods transform the platform session records into data comprising a form that is usable for identifying clusters of platform sessions. As a result of the clustering methodologies, the apparatus is configured to deliver content specifically optimized for users of client devices. The present disclosure thus provides for an improved networked system that reduces the amount of data transferred via the network and allows for a more efficient system that has reduced infrastructure requirements and improved performance. | 2019-12-12 |
20190378164 | Attention Metrics for Attention Applications - An attention application measures a user's attention focused on publisher content and advertisements to create an attention metric. Attention can be measured via hardware sensors or by user interactions with input/output hardware. A user attention metric profile can be used to modify content, content presentation, and/or match ads. Aggregate attention metrics can be used by publishers or third parties. Attention consumers may reward attention with a digital asset. A proof-of-attention can be made based on secure attention sensor hardware and/or a zero-knowledge proof. | 2019-12-12 |
20190378165 | INDUCING ACTIONS IN CONSUMER ENTITIES - A system is provided for providing action inducers to target consumer entities. The system accesses transactions relating to actions involving a consumer entity and a provider entity. The system generates training data based on the transactions. The training data includes a feature vector for each consumer entity that includes values for features derived from the transactions involving that consumer entity and a provider entity. Each feature vector is labeled with an outcome that indicates whether a previously provided action inducer induced the consumer entity to take an action. The system trains a classifier based on the training data, generates a target feature vector for a target consumer entity, applies the classifier to the target feature vector to generate a predicted outcome for the target action inducer, and when the predicted outcome satisfies an inducement criterion, provides the target action inducer to the target consumer entity. | 2019-12-12 |
20190378166 | ATTENTION APPLICATION USER CLASSIFICATION PRIVACY - Classification of the user of an attention application is moved from the cloud, where the classification is performed by advertisers based on trackers that follow a user, to the attention application itself. A user of the attention application controls inputs to the classification model and can exclude sensitive privacy information from inclusion in the classification model. The classification model is applied locally at the attention application to a catalog of advertisements and without revealing to trackers and advertisers whether attention was paid to particular ads. An analytics provider may have increased access to attention applications and can form ad campaigns and provide performance data thereon to advertisers without infringing attention user privacy. The system directs value away from trackers and advertisers and to attention application users and publishers. | 2019-12-12 |
20190378167 | SYSTEMS AND METHODS FOR PROVIDING TRANSACTION AFFINITY INFORMATION - In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. The disclosed implementations may determine temporal relationships between pairs of sequential transactions corresponding to the account record, and based on such relationships, may identify pairs of transactions involving separate merchants. The disclosed implementations may determine affinity relationships associated with one or more pairs of the temporally related transactions and a target merchant, and based on such relationships, generate and provide the transaction affinity recommendation data. | 2019-12-12 |
20190378168 | LINKING SEPARATE ANONYMOUS ACTIONS TO A COMMON USER - First information associated with a first anonymous user, which indicates activities related to interactions of the first user with a first website, is obtained using a cookie. Second information associated with a second anonymous user, which indicates activities related to interactions of the second user with a second website, is obtained using a cookie. The first information and the second information are correlated to determine commonalities between the first information and the second information. In response to identifying at least one commonality, the first user identifier is associated with the second user identifier, and the first information is aggregated with the second information, based on the association. The aggregated information is stored in a profile associated with a single user, who is classified based on the aggregated information. The user, who may still be anonymous, is provided content based on the aggregated information. | 2019-12-12 |
20190378169 | SUGGESTING TARGETING INFORMATION FOR ADS, SUCH AS WEBSITES AND/OR CATEGORIES OF WEBSITES FOR EXAMPLE - One or more keywords and/or information about one or more properties may be accepted, and a set of one or more taxonomy categories may be determined using at least some of the keyword(s) and/or property information and perhaps term co-occurrence clusters. The determined taxonomy categories may be presented to an advertising user as an ad targeting suggestion. Each taxonomy category may have at least one associated property (e.g., Web document), that participates in an advertising network. An advertiser selection of a suggested taxonomy category may be accepted, and the serving of an ad of the advertiser may be targeted to each property associated with the selected suggested taxonomy category. Alternatively, such properties may be presented to an advertising user as an ad targeting suggestion. | 2019-12-12 |
20190378170 | SERVICE DEVICE AND METHOD OF OPERATING SAME - A service device and a method of operating the same are provided. The present disclosure provides configuring a moving path of an advertisement provision device in consideration of an area with a high concentration of subscribers in which subscriber terminals are concentrated and providing an advertisement to the area with a high concentration of subscribers through the advertisement provision device moving along the configured moving path. | 2019-12-12 |
20190378171 | TARGETED ADVERTISEMENT SYSTEM - Systems, methods, and machine readable media are provided for targeted advertising. One or more images of individuals in a location in a facility are captured with an imaging device. Face detection is performed on the one or more images. Based on a face detection result, Convolutional Neural Network models are used to determine a gender and estimate an age of each detected face. A targeted audience is determined, based on pre-determined criteria using the age estimation and gender identification of each detected face. A relevant advertisement is selected for the targeted audience for display on a display device. The relevant advertisement may be selected based at least in part on a footfall score (f | 2019-12-12 |
20190378172 | FASHION DISPLAY SYSTEM, METHOD, RECORDING MEDIUM AND DISPLAY APPARATUS - A fashion display method, system, and non-transitory computer readable medium, include identifying, via a camera, a fashion style of a customer viewing a fashion display in a store, determining an assessed trait of the fashion style of the customer, and augmenting the fashion display to display a new fashion display customized to the customer based on the assessed trait according to an availability of the new fashion display stored in a database in the store having the fashion display. | 2019-12-12 |
20190378173 | INTEGRATED CONSUMER GENOMIC SERVICES - The present invention provides a novel approach for consumer-driven interaction with sequencing data or genomic information. Sequencing data access, for users with a variety of access and permissions, may be mediated by a central hub. The hub may also facilitate access to the sequencing data for third party software applications. The hub may also provide data analysis or may have access to analyzed data to use such data in providing a user interface for a genome owner or for non-owner secondary users of the system. | 2019-12-12 |
20190378174 | DIGITAL MALL AND SOCIAL MEDIA PLATFORM - A method and system for providing a digital platform hosted on a computer, where the digital platform provides commercial products and social media interaction accessible by a user using a device. In response to receiving a selection by a user of a first advertisement depicted on a display of a device, a first advertisement is opened using an application. The opening of the first advertisement is opened as a first portal within a digital platform for the plurality of advertisements, and each of the advertisements accessing content data for each of the advertisements within the digital platform. A first plurality of interactive elements of the first advertisement is displayed, in response to the user selecting the first advertisement. The interactive elements are associated with the first advertisement, and the interactive elements are in the first portal within the digital platform for the first advertisement. | 2019-12-12 |
20190378175 | LOCATION-BASED BID MODIFIERS - Systems and methods for determining location-based bid modifier suggestions include determining a content placement cost based in part on a likelihood of a user that has entered a physical establishment completing a transaction, an average transaction amount for the establishment, and an expected return on investment (ROI). A location-based bid modifier may be determined using the computed cost and a base bid amount. In some implementations, the location-based bid modifier may also be based on a probability model that models the probability of the user visiting the establishment. | 2019-12-12 |
20190378176 | SYSTEMS AND METHODS FOR CUSTOMIZING DISPLAY ON DIGITAL BILLBOARD - Systems, apparatuses, and methods are provided herein for providing customized advertisement display on a digital billboard. A system comprises a digital billboard device with a customer sensor, a communication device, an advertisement database, and a control circuit. If the customer has opted into an advertisement service and has reviewed appropriate privacy disclosures and authorized the use of his or her social media data by registering a consent to customer social media data capture by the system, the control circuit is configured to identify a customer via the customer sensor, aggregate a plurality of images associated with the customer from a plurality of social media services, identify one or more characteristics of each of the plurality of images, select an advertisement from the advertisement database, select at least one customer image based on matching the display parameters of the advertisement in the advertisement database with the one or more characteristics of the plurality of images, merge the at least one customer image and an image of the advertisement to create a custom image advertisement for the customer, and display the custom image advertisement to the customer. | 2019-12-12 |
20190378177 | METHODS AND APPARATUS TO ADJUST MEDIA IMPRESSIONS BASED ON MEDIA IMPRESSION NOTIFICATION LOSS RATES IN NETWORK COMMUNICATIONS - Methods and apparatus to adjust media impressions based on media impression notification loss rates in network communications are disclosed. An example method includes determining a first network media impression adjustment factor based on a quantity of lost test media impression notifications for a first network in a geographic region; determining an adjusted quantity of first network user-accessed media impression notifications for the first network by applying the first network media impression adjustment factor to a quantity of successfully received user-accessed media impression notifications to generate a product and weighting the product based on a market share of first subscribers corresponding to the first network in the geographic region; and storing the weighted adjusted quantity of the user-accessed media impression notifications in association with a media identifier to credit corresponding media with a quantity of media accesses corresponding to the weighted adjusted quantity of the user-accessed media impression notifications. | 2019-12-12 |
20190378178 | CAPTURING ENERGY CONSUMPTION FOR VALIDATING A PRODUCT REVIEW - An approach is provided for generating a review of a product. An amount of usage of the product by a user is received from an energy monitoring device. It is determined that the amount of usage of the product exceeds a threshold amount. A message is sent to a computer utilized by the user. The message requests the user to author content that comments on the product. The content is authored by the user in response to the sending of the message and the content is received. A review of the product is generated by combining the content with an indication of the amount of usage of the product by the user. | 2019-12-12 |
20190378179 | Method and System for Generating Contradiction Scores for Petroleum Geoscience Entities within Text using Associative Topic Sentiment Analysis. - The invention is a data processing method and system for notifying petroleum geoscientists of contradictions in sentiment between petroleum geoscience topic associations in text. The data processing system makes the necessary calculations to detect petroleum geoscience associations of interest, predict their sentiment and report contradictions in sentiment. Contradictions can be calibrated with past business success and failures through time, such as exploration or operations, to create a classifier to predict future areas of opportunity and risk. In particular, the data processing system operates on any digital unstructured text derived from academic literature, company reports, web pages and other sources. This information is analyzed and utilized by the system assisting petroleum geoscientists to identify business opportunities and risks. | 2019-12-12 |
20190378180 | METHOD AND SYSTEM FOR GENERATING AND USING VEHICLE PRICING MODELS - A system and method for generating an using vehicle price estimation models is disclosed. The price estimation models may be segmented in several ways including based on: (1) make/model; (2) make/model and another feature (such as trim); or (3) clustering of data. For example, a baseline model (to make/model or make/model/trim) may be generated using historical pricing data. Further, the historical pricing data may be clustered in order to generate multiple price bins. Additional models may be generated to the multiple price bins. In practice, an initial price estimate for the vehicle may be generated using the baseline model. Thereafter, using the initial price estimate, one of the price bin models (whose price bin includes the initial price estimate) may be used to generate a price bin estimate. The initial price estimate and/or the price in estimate may then be used for the auction (such as a guaranteed auction price). | 2019-12-12 |
20190378181 | DIAGNOSIS COST OUTPUT DEVICE, DIAGNOSIS COST OUTPUT METHOD, AND COMPUTER-READABLE RECORDING MEDIUM - [Problem] To provide a diagnosis cost output device with which it is possible to obtain a diagnosis cost. [Solution] This diagnosis cost output device is provided with: a detection performance identifying means for identifying a measuring time required for leak detection with respect to a sensor installation spacing, on the basis of information affecting vibration propagation characteristics of a pipe; and an output means for outputting a diagnosis cost with respect to the installation spacing, on the basis of a sensor installation cost and a measuring cost arising as a result of the leakage detection during the measuring time. | 2019-12-12 |
20190378182 | SECURE ELECTRONIC BILLING WITH REAL-TIME FUNDS AVAILABILITY - A method can include receiving, at the system and from a first entity, a first request for invoicing a user. The first request can have been initiated by a user request of the user in a mobile application running on a mobile device. The method also can include sending, from the system and to a billing entity, a second request for invoicing the user based at least in part on the first request, the second request comprising a public identifier of the user. The method additionally can include, after sending the second request, receiving, at the system and from the billing entity, first information regarding an invoice for the user to pay the billing entity. The method further can include sending, from the system and to the first entity, second information for displaying an interactive invoice to the user. The second information can be based at least in part on the first information. The method additionally can include receiving, at the system and from the first entity, an authorization of the user to pay, in real-time, a payment amount for the invoice. The method further can include facilitating a real-time payment transaction of the payment amount, based on the authorization, from a first account of the user at a first financial institution to a second account of the billing entity at a second financial institution. Other embodiments are described. | 2019-12-12 |
20190378183 | SYSTEMS AND METHODS FOR IMPROVING INVOICE MANAGEMENT USING ENHANCED ANALYTICAL INSIGHT - An improved invoice management product may include an invoice hub server and an invoice database, and may receive data including one or more invoices, transmit one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier associated with one or more supplier identifiers associated with the one or more invoice records, and transmit a notice to a customer. An Invoice Hub server may receive data comprising one or more invoices, create one or more invoice records based on the one or more invoices, transmit the one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier, and transmit a notice to a customer associated with the one or more invoice records. | 2019-12-12 |
20190378184 | METHODS AND SYSTEMS FOR A PRIVATE MARKET: FACILITATING CONNECTIONS BETWEEN BUYERS AND SELLERS OR EXCHANGERS OF PRODUCTS AND SERVICES WHILE MAINTAINING PRIVACY - A system and method are described that facilitate bilateral private interaction between participants who wish to initiate personal or business arrangements anonymously or without exposure except to identified trusted parties and the system and method act as an intermediary allowing the participants, typically buyers and sellers, to be matched based upon requests for and offers of goods and services, without revealing the identity or other identifying information about either the items or the participants until the participants choose to reveal that information. | 2019-12-12 |
20190378185 | ENTERTAINMENT QUALITY CONTROL DEVICE AND PROGRAM - An entertainment quality control device capable of controlling various types of entertainment quality. The entertainment quality control apparatus includes: user evaluation means for evaluating a user; and sales permission determination means for determining whether or not to sell a ticket in accordance with a received purchase request in response to a purchase request of a ticket relating to an entertainment from the user, based on evaluation of the ticket to the user by the user evaluation means. | 2019-12-12 |
20190378186 | DOMAIN NAME TRANSFER RISK MITIGATION - Systems and methods of the present invention provide for one or more server computers communicatively coupled to a network and configured to: receive a request for a modification to domain name management; analyze metadata and registrant accounts associated with the request; determine whether related domain name activities indicate high or low risk of malicious behavior; if high risk, the request may be queued for manual review; on manual review, if the request is deemed high risk, an attempt to contact the registrant may be made; if unsuccessful, or if the registrant verifies an invalid request, the request may be cancelled. if the behavior or request is low risk, and/or if the registrant confirms the request is valid, the request may be approved and fulfilled. | 2019-12-12 |
20190378187 | SYSTEMS AND METHODS FOR CONDUCTING MAKEUP CONSULTATION SESSIONS - A makeup consultation server device obtains a request from a client device to initiate a makeup consultation session and obtains target attributes of a user of the client device. The makeup consultation server device determines a grouping of beauty advisors currently online and accesses profile information associated with each of the beauty advisors in the grouping. The makeup consultation server device matches the user with at least one of the beauty advisors based on the target attributes, and the profile information. The makeup consultation server device establishes the makeup consultation session between the client device and an advisor device of one of the matching beauty advisors. | 2019-12-12 |
20190378188 | INSTANT MESSAGING ROBOT TO PROVIDE PRODUCT INFORMATION - Methods and systems to automatically respond to a request for product information are described. In one embodiment, a data collection module may collect product data over a network, identify that the product data is related to a particular product, and store the product data and an association between the product data and the particular product in a database. An instant messaging engine may receive a request for the product data after the product data is stored in the database and an interpreter module may identify, in response to the request, the request to correspond to the particular product and retrieve the product data based on the association between the particular product and the product data. The instant messaging engine may also transmit, using an instant messaging protocol, a response to the request, the response including the product data. | 2019-12-12 |
20190378189 | SYSTEM AND METHOD FOR CREATING CUSTOMIZED GARMENTS - A computer-implemented system and method for creating customized garments are disclosed which include executing on a processor in a central server the steps of generating a first cut pattern upon receiving a first electronic communication from a first remote computer identifying a first garment design using a first fabric, generating a second cut pattern upon receiving a second electronic communication from a second remote computer identifying a second garment design also using the first fabric, identifying a supplier of the first fabric by searching in a fabric database using a code of the first fabric, and sending electronic communications containing the first and the second cut pattern to a third remote computer relating to the identified supplier of the first fabric. | 2019-12-12 |
20190378190 | METHOD FOR PROVIDING A VEHICLE HAVING A CONTEXT-DEPENDENT CONFIGURATION - The present disclosure relates to a method for providing a vehicle having a context-dependent configuration, in which a vehicle is selected, configured and used for transporting the user on the basis of information relating to a context of a user, which was transmitted to a server, and wherein the context of the user is determined on the basis of control commands provided by the user with the aid of a program executed on a processing unit. | 2019-12-12 |
20190378191 | INFORMATION PROCESSING METHOD, GARMENT ORDER RECEPTION MANAGEMENT APPARATUS, AND STORAGE MEDIUM - In a garment order reception management part, a garment information acquisition part acquires garment information which specifies a garment selected by an orderer. A body shape information acquisition part acquires body shape information of a wearer who wears the garment. An evaluation acquisition part acquires, with respect to the garment manufactured on the basis of the garment information and the body shape information, an evaluation of size when the garment is worn. A body shape information modification part modifies the body shape information on the basis of the evaluation. | 2019-12-12 |
20190378192 | FILTERING DIGITAL IMAGES STORED ON A BLOCKCHAIN DATABASE - A system and method for filtering digital images stored on a blockchain database to locate one or more specific digital images from a corpus of digital images from an event includes receiving a search criteria from a user for searching through the corpus of digital images stored on the blockchain database, filtering the corpus of digital images stored on the blockchain database based on the plurality of factors that match the search criteria, locating the one or more specific digital photographs that match the search criteria among the corpus of digital images stored on the blockchain database, as a function of the filtering, presenting the one or more specific digital photographs to the user for selection and purchase of the one or more specific digital photographs, and processing a purchase order for the one or more specific digital photographs selected for purchase by the user. | 2019-12-12 |
20190378193 | SYSTEM AND METHOD FOR PROVIDING RECOMMENDATIONS TO A TARGET USER BASED UPON REVIEW AND RATINGS DATA - A method and system for recommending online content based upon the predictive value of reviews provided by third party reviewers correlated to the identity of those reviewers. The correlated data is used to predict how a target user would rate an unrated item, and to make recommendations to the target user. | 2019-12-12 |
20190378194 | SYSTEMS AND METHODS FOR ADJUSTING TRANSACTION AFFINITY INFORMATION - In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. In some aspects, the disclosed implementations may perform processes that determine adjustments to the merchant recommendation data based on one or more parameters associated with potential next merchants included in the merchant recommendation data. The disclosed implementations may analyze weigh values assigned to the one or more parameters, and based on the weight values and parameter information, may determine a different merchant is to be recommended. Based on the determination, the disclosed implementations may generate adjusted merchant recommendation data identifying a different recommended merchant. | 2019-12-12 |
20190378195 | SYSTEMS AND METHODS FOR PROCESSING AND PROVIDING TRANSACTION AFFINITY PROFILE INFORMATION - In certain aspects, the disclosed implementations include methods and systems for providing transaction affinity merchant recommendation information performed by transaction affinity platform computing components that execute software stored in a memory. In certain aspects, the disclosed implementations may determine transaction affinity relationship data for transactions associated with a set of account records. Each account record in the set of account records may be associated with a set of users. The disclosed implementations may also determine transaction affinity relationship profiles based on transaction affinity profile parameters that are associated with the transaction affinity relationship data and first transaction data. Further, the disclosed implementations may determine one or more transaction affinity patterns based on the transaction affinity relationship data and the transaction affinity relationship profiles. In certain aspects, the disclosed implementations may further determine transaction affinity merchant recommendation information based on the one or more transaction affinity patterns. | 2019-12-12 |
20190378196 | METHOD AND DEVICE FOR PROVIDING IMAGE-BASED INFORMATION RELATED TO USER - The present invention relates to a method and a device for providing image-based information related to a user through a network, and allows a client device to sense an image, extract information of at least one object from the sensed image, provide a user interface for receiving at least one user selection on the basis of the extracted information of the object, state information of the client device, and pre-stored user information, and perform network communication related to a user selection of at least one among the user interfaces when the selection is inputted, thereby maximizing user convenience. | 2019-12-12 |
20190378197 | MATCHING CUSTOMER AND PRODUCT BEHAVIORAL TRAITS - At least one detail for at least one product in a group of products is received. At least one input for at least one customer in a group of customers is received. At least one detail for at least one product and at least one input for at least one customer is stored to a database repository. Product traits for at least one product are generated and stored to a database repository. Customer traits for at least one customer are generated and stored to a database repository. The generation of customer traits is independent from the generation of product traits. At least one recommendation for matching at least one product to at least one customer is generated. The at least one recommendation is based on the generated traits of the at least one product and the generated traits of the at least one customer. | 2019-12-12 |
20190378198 | SELF-CHECKOUT SYSTEM FOR BYPASSING IN-STORE CHECKOUT - An online shopping concierge service allows shoppers to purchase items on behalf of customers and checkout using a mobile application, circumventing traditional point-of-sale check-out systems. A customer places an order using a mobile application or website associated with the online shopping concierge service. The online shopping concierge service charges a payment instrument of the customer in the value of the selected items. The system transmits the order to a shopper, who receives an order for fulfillment on a mobile device. The shopper collects and scans items using a mobile application. The mobile application transmits an identification of the items for purchase and their total cost to the online shopping concierge service, which transmits payment to the retailer. Alternatively, the mobile application encodes an identification of the items for purchase into an encoded image, which is scanned by a cashier, allowing the shopper to complete an accelerated check-out. | 2019-12-12 |
20190378199 | ORDERING A TRANSPORTATION VEHICLE USING A NEAR-FIELD COMMUNICATION DEVICE - Systems and methods for ordering a transportation vehicle using near-field communication (NFC) are disclosed. A method includes receiving, by a first client computing device, data from a first NFC target device responsive to a first NFC device associated with the first client computing device being in physical proximity of the first NFC target device. The method further includes generating, based on the data, an order request for a transportation vehicle. Responsive to the order request not being placed and the first NFC device of the first client computing device being within a predetermined physical proximity of a second NFC device of a second client computing device, the method further includes causing information associated with the order request to be transmitted from the first client computing device to the second client computing device. | 2019-12-12 |
20190378200 | System, Method and Apparatus for Integration of Purchasing Items within Print Material - A computerized method for providing a virtualized shopping experience on a network device is disclosed. The method includes operations of detecting, by an e-reader software application processing on the network device, first user input corresponding to selection of an indicator within an e-book, displaying, by the e-reader software application, an image depicting a first item, responsive to receiving second user input indicating selection of the first item, adding, by the e-reader software application, the first item to a virtual shopping cart, and responsive to receiving third user input, completing, by the e-reader software application, a virtualized check out process. Additionally, operations of the computerized method may be provided by a plug-in software application that communicates with the e-reader software application via an application programming interface (API). | 2019-12-12 |
20190378201 | Geotagging Location Data - Systems and apparatuses for capturing an image of a vehicle for which roadside assistance is being requested are provided. The image may be captured by a mobile device and the mobile device may geotag location information to the image. The image and associated geotag location information may then be processed to determine a location of the vehicle and a roadside assistance issue for which service is being requested. The image may be further analyzed to determine a context including, a make, model and/or year of the vehicle, whether special equipment is needed to service the vehicle, whether the vehicle is located in a particular situation (e.g., within a structure, in a ditch, or the like). The information obtained from the image may be used to determine a type of service to provide to the vehicle and to identify one or more service providers to dispatch to the vehicle. | 2019-12-12 |
20190378202 | SYSTEM AND METHOD FOR ACCELERATING DELIVERY OF GOODS AND SERVICES - A system and method for providing location and time-based scheduling of preparation and delivery of goods and/or services. Customer's app on a personal device and service-side software, with a transaction server (Eatelli) provide ordering, geo-location, estimated arrival, delivery of order goods with little to no interaction with service personnel. Automatic location and check-in is facilitated via geo-location or scanning of location-sensors/markers. Service attendants can provide delivery of goods without engaging the customer and be directed to the location of the customer at the servicing institution. Management of ordering, billing, re-ordering, up-keep of the customer can be adjudicated via the software and location markers. The system and method avoids queuing delays typically found in restaurants and take-out/pick-up orders. | 2019-12-12 |
20190378203 | CROSS-DOMAIN COMMUNICATIONS BETWEEN BROWSER WINDOWS - A computer process enables a target window associated with a first domain to receive a message from a child window associated with a second domain. The message is passed using an iframe that is created within the target window. The process may, for example, be used to relay information entered by a user into the child window to the target window. | 2019-12-12 |
20190378204 | GENERATING AND PROVIDING AUGMENTED REALITY REPRESENTATIONS OF RECOMMENDED PRODUCTS BASED ON STYLE SIMILARITY IN RELATION TO REAL-WORLD SURROUNDINGS - The present disclosure relates to systems, methods, and non-transitory computer readable media for generating augmented reality representations of recommended products based on style similarity with real-world surroundings. For example, the disclosed systems can identify a real-world object within a camera feed and can utilize a 2D-3D alignment algorithm to identify a three-dimensional model that matches the real-world object. In addition, the disclosed systems can utilize a style similarity algorithm to generate style similarity scores for products in relation to the identified three-dimensional model. The disclosed systems can also utilize a color compatibility algorithm to generate color compatibility scores for products, and the systems can determine overall scores for products based on a combination of style similarity scores and color compatibility scores. The disclosed systems can further generate AR representations of recommended products based on the overall scores. | 2019-12-12 |