51st week of 2021 patent applcation highlights part 54 |
Patent application number | Title | Published |
20210398116 | MANAGING TRANSACTIONS IN MULTIPLE BLOCKCHAIN NETWORKS - Disclosed are computer-implemented methods, non-transitory computer-readable media, and systems for managing transactions in multiple blockchain networks. One computer-implemented method includes identifying a first transaction in a first blockchain network that is a first Hash Time Locked Contract (HTLC) transaction in the first blockchain network, identifying a second transaction in a second blockchain network that is a second HTLC transaction in the second blockchain network different from the first blockchain network, determining that a first transaction commit time of the first HTLC transaction is earlier than a second transaction commit time of the second HTLC transaction and a first secret hash of the first HTLC transaction has a same value as a second secret hash of the second HTLC transaction, and in response, determining that the first HTLC transaction and the second HTLC transaction are associated with each other and related to a cross-chain transaction. | 2021-12-23 |
20210398117 | DATA VALIDATION APPLICATION PROGRAMMING INTERFACE - A method may include receiving, from a requesting computing device, a structured data file, the structured data file including a set of defined data portions, wherein a first portion of the set of defined data portions includes: a first attribution identifier; a first account identifier; and a first amount; determining that the first attribution identifier is included in a set of permitted attribution identifiers; after the determining, querying a data store using the first attribution identifier and the first account identifier to retrieve a current amount associated with the first account identifier; calculating that the current amount is at least equal to the first amount; based on the calculating, formatting a first electronic response message that indicates a validated calculation for the first portion; and presenting the first electronic response message to the requesting computing device. | 2021-12-23 |
20210398118 | TRANSACTION POLICY AUDIT - The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes receiving receipt data associated with an entity. Policy questions associated with the entity are associated with at least one policy question answer that corresponds to a conformance or a violation of a policy selected by the entity. For each policy question, a machine learning policy model is identified for the policy question that includes, for each policy question answer, receipt data features that correspond to the policy question answer. The machine learning policy model is used to automatically determine a selected policy question answer to the policy question by comparing features of extracted tokens to respective receipt data features of the policy question answers that are included in the machine learning policy model. In response to determining that the selected policy question answer corresponds to a policy violation, an audit alert is generated. | 2021-12-23 |
20210398119 | SYSTEMS AND METHODS FOR PROCESSING DATA MESSAGES FROM A USER VEHICLE - A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. The payment processor computing device is further configured to store the registration secure token in memory, receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a merchant computing device wherein the authorization request message includes a transaction secure token, authenticate the authorization request message by matching the transaction secure token to the registration secure token, embed a matching indicator within the authorization request message, and transmit the authorization request message with the embedded matching indicator to an issuer. | 2021-12-23 |
20210398120 | SYSTEMS AND METHODS FOR ARTIFICIAL INTELLIGENCE CONTROLLED PRIORITIZATION OF TRANSACTIONS - Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score. | 2021-12-23 |
20210398121 | SYSTEMS AND METHODS FOR A PRIVATE SECTOR MONETARY AUTHORITY - Systems and methods are provided for a payment system for use with base money of one or more alternative currencies. Steps may include administering accounts, each of which belongs to one or more account owners; receiving spend instructions specifying an account-to-account transfer of a quantity of base money from a paying account to a recipient account; receiving spend authorizations for the spend instructions from system users with requisite privileges for the paying account; and executing the authorized spend instruction if they conform to all applicable system rules by crediting the paying account and debiting the recipient account in an atomic transaction that executes in its entirety or not at all. At least one of the one or more alternative currencies may be based on at least one commodity and may be continuously backed by a 100% reserve of the at least one commodity. | 2021-12-23 |
20210398122 | METHODS AND SYSTEMS FOR A VIRTUAL ASSISTANT - An illustrative embodiment disclosed herein is a method including assigning, by a virtual assistant computing device, a transaction intent associated with a mobile device user for a transaction and determining by the virtual assistant computing device, whether the transaction is in accordance with policy. The method further includes sending by the virtual assistant computing device, a policy decision recommendation to the mobile device and receiving, by the virtual assistant computing device, a response from the mobile device indicating whether to perform the transaction. The method further includes facilitating, by the virtual assistant computing device, performance of the transaction and generating, by the virtual assistant computing device, an expense report associated with the transaction. | 2021-12-23 |
20210398123 | Method and System of Access Management Using a Payment Transaction - The present disclosure relates to a method and system of access management using a payment transaction. The computer-implemented method includes receiving a payment transaction request and one or more details associated with a lock. Further, the method includes providing one of a success message or a failure message to an access management system to operate the lock based on a result of authorization of the payment transaction request and a result of a validation of the one or more details. | 2021-12-23 |
20210398124 | SYSTEMS AND METHODS FOR MANAGING A TRANSACTION STATE OBJECT - A method is disclosed. A server computer receives, from a client computer, of a plurality of client computers, a transaction state object indicating that a transaction has been initiated. The server computer transmits, to a first subset of the client computers, a notification that the transaction has been initiated. The server computer receives, from a second client computer, a first modification to the transaction state object indicating that a first step has been executed. The server computer transmits, to a second subset of the client computers, a notification that the first step in the transaction has been executed. The server computer receives, from a third client computer, a second modification to the transaction state object indicating that a second step in the transaction has been executed. The server computer transmits, to a third subset of the client computers, a notification that the second step has been executed. | 2021-12-23 |
20210398125 | PAYMENT INFORMATION PROCESSING METHOD, APPARATUS, DEVICE AND COMPUTER READABLE STORAGE MEDIUM - The present application discloses a payment information processing method, apparatus, device, and computer readable storage medium. The payment information processing method includes: obtaining motion data of a mobile acquiring device, in response to an acquiring request sent by the mobile acquiring device; determining a motion feature of the mobile acquiring device according to the motion data, under a condition that the mobile acquiring device obtains payment card information; determining a payment information processing result according to the motion feature. | 2021-12-23 |
20210398126 | BLOCKCHAIN INFORMATION DETERMINATION SERVER, BLOCKCHAIN INFORMATION DETERMINATION METHOD, AND RECORDING MEDIUM IN WHICH BLOCKCHAIN INFORMATION DETERMINATION PROGRAM IS RECORDED - The present invention discloses a blockchain information determination server and a recording medium in which a program is recorded. In other words, the present invention is intended to overcome the above-described problems, and provides a technology that performs the confirmative determination of report information regarding fake news by calculating the degrees of reliability of actors who participate in a blockchain. According to the present invention, the following effects are achieved: First, the report information used to determine whether news is fake news may be shared by multiple subjects. Second, the present invention contributes to the activation of a system by providing rewards to a subject who determines whether news is fake news and a system management subject via reliability. Third, the present invention contributes to the automation of the blocking of fake news by performing the probabilistic determination of whether news is fake news based on reliability. | 2021-12-23 |
20210398127 | PAYMENT GATEWAY SECURITY MANAGEMENT - Methods for managing security of a payment gateway are provided. In one aspect, a method includes assigning a username and a security key to a merchant. The method includes receiving a transaction request associated with the merchant, wherein the transaction request comprises the username assigned to the merchant, request parameters, and a signature code associated with the merchant, and wherein the signature code comprises the request appended to both the username assigned to the merchant and the security key assigned to the merchant. The method includes determining, in response to receiving the transaction request associated with the merchant, whether the signature code of the request is authentic. The method includes validating the transaction request based on determining that the signature code of the request is authentic. Systems and machine-readable media are also provided. | 2021-12-23 |
20210398128 | VELOCITY SYSTEM FOR FRAUD AND DATA PROTECTION FOR SENSITIVE DATA - Methods, systems, and apparatus, including computer programs encoded on computer-storage media, for updating a shared database and processing transactions. In some implementations, first data related to a transaction is received by a first enterprise transaction verification system. The first enterprise transaction verification system generates second data by obfuscating the first data using a machine learning model that has been trained to include a security feature discriminator layer and obtaining a set of activations output by a security feature discriminator layer of the machine learning model. The second data includes the set of activations and can be stored on a shared database where it can be compared with other activations from other transactions to aid in authentications and detections of fraud. | 2021-12-23 |
20210398129 | SOFTWARE ARCHITECTURE FOR MACHINE LEARNING FEATURE GENERATION - Methods and systems are presented for generating robust computer models related to data feature usage for classification of electronic transactions are. This technology improves computer function via new machine learning techniques to more accurately classify data. A set of dominative features may be selected from candidate features using multiple feature selection algorithms, where each dominative feature in the set of dominative features is dominative over every remaining candidate feature. The multiple feature selection algorithms may include at least one univariate feature selection algorithm and at least one multivariate feature selection algorithm. The set of dominative features may be reduced to a number of representations, where each representation represents an aspect of the set of dominative features. The representations may then be used to generate the robust computer model. | 2021-12-23 |
20210398130 | MERCHANT FRAUD RISK SCORE - Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score. | 2021-12-23 |
20210398131 | SYSTEMS FOR DETECTING BIOMETRIC RESPONSE TO ATTEMPTS AT COERCION - A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures. | 2021-12-23 |
20210398132 | Method For Dynamically Reconfiguring Machine Learning Models - Systems and methods of reconfiguring machine learning models are disclosed. A method includes receiving, by a server computer, external data and determining, by the server computer, a machine learning model from a plurality of machine learning models, based on the external data. The plurality of machine learning models are in standby mode. The server computer configures an AI engine with the machine learning model. The method also includes receiving, by the server computer, a prediction request from a client computer, processing the prediction request with the AI engine to form a prediction response, and sending the prediction response to the client computer. | 2021-12-23 |
20210398133 | USER IDENTITY RECOGNITION METHOD AND DEVICE, ELECTRONIC DEVICE AND STORAGE MEDIUM - The present disclosure provides a user identity recognition method, including: acquiring a user image; performing face recognition on the user image; and when a face image of a user has been detected in the user image and matches a face image of a special user, receiving operation behavior data of the user on a collection terminal, and associating the operation behavior data with a user identifier of the special user. The collection terminal is an operating device in a bank branch. The present disclosure further provides a user identity recognition device, an electronic device and a storage medium. | 2021-12-23 |
20210398134 | Biocrypt Digital Wallet - A device and method for using biometric technologies to ensure secure transactions using blockchain technology are disclosed. The embodiments described mitigate at least some security related problems in conventional blockchain digital wallets, particularly those that cannot reliably authenticate user identity. The present disclosure presents a method and apparatus for using authentication and data protection for implementing a blockchain offline wallet using biometrics. | 2021-12-23 |
20210398135 | DATA PROCESSING AND TRANSACTION DECISIONING SYSTEM - Methods, systems, and computer programs for transaction verification. In one aspect, a transaction verification system having a plurality of transaction verification modules that have each been trained to generate output data indicating whether data associated with a transaction should be denied, generating a transaction profile based on the output data generated by each of the transaction verification modules, determining, based on the transaction profile, whether the transaction should be denied, based on determining that the transaction should not be denied, selectively storing the data associated with the transaction in a database for review by a human user, receiving input data from the human user, the input data indicating that the image of the identification document has a characteristic of a transaction that should be denied, and dynamically training the transaction verification system to identify subsequent transaction data that has the characteristic as identifying a person whose transaction should be denied. | 2021-12-23 |
20210398136 | SYSTEM FOR SIMULATING AND CREATING SMART PURCHASE AGREEMENTS FROM MASTER SERVICE AGREEMENTS - A computer-implemented method, comprising receiving one or more inputs associated with a master services agreement (MSA), and generating an output that includes smart contract information; performing a simulation and receiving user input to interactively adjust the smart contract information and implement a smart purchase agreement (SPA) in blockchain and in a state engine; and automatically generating a smart purchase order (SPO) under the MSA, wherein the SPO is automatically validated for a conflict against the MSA in real-time, and for the case of a conflict, a conflict warning is provided | 2021-12-23 |
20210398137 | IDENTIFICATION OF RELATED INCIDENT RETRIEVAL BASED ON TEXTUAL AND CONTEXTUAL DATA - A computer-implemented method for accurately identifying related incidents using textual data and contextual data includes receiving incident data associated with a computing system, wherein the incident data further comprises textual data and contextual data associated with the incident data. One or more relevant incidents associated with the received incident data is identified by applying an artificial intelligence model on the textual data associated with the received incident data. The identified one or more relevant incidents associated with the received incident data is provided to a site engineer device and the provided one or more relevant incidents is resolved. | 2021-12-23 |
20210398138 | COMPUTERIZED OPTIMIZATION OF CUSTOMER SERVICE QUEUE BASED ON CUSTOMER DEVICE DETECTION - Various embodiments of the present disclosure provide systems, methods, and apparatus systems, methods, and apparatus that provide computerized optimization of a customer service queue based on customer device detection technologies. In an exemplary embodiment, a system that provides computerized optimization of a customer service queue may include device detection technology communicatively connected to a customer assistance server, a customer assistance client device (e.g., a customer representative device), and a customer device. Device detection technology may detect a device and transmit data associated with the detected device to a customer assistance subsystem. A customer assistance subsystem may generate an optimal representative and position within a customer service queue for the customer device. A notification about the optimal match may be transmitted to a customer and/or customer representative. And, following the assistance, a survey may be conducted to update variables used to generate an optimal match. | 2021-12-23 |
20210398139 | METHODS AND DEVICES FOR PROCESSING INFORMATION - Methods, devices, and systems for processing information are disclosed. In one aspect, a method includes: acquiring a visiting image of a visitor in a target place, detecting the visiting image to obtain an identifier of the visitor, acquiring historical visiting information corresponding to the identifier, and sending a visiting notification message to one or more terminals based on the historical visiting information. | 2021-12-23 |
20210398140 | WATER MANAGEMENT FOR AN INDUSTRIAL SITE - The invention notably relates to a computer-implemented method of water management for an industrial site, the method comprising collecting, via user-interaction, data related to one or more exploitation scenarios of the industrial site, for each respective exploitation scenario, computing, automatically by a computer system and based on the collected data, for each indicator of a plurality of indicators, a respective indicator value, the plurality of indicators comprising a first group of one or more water risk assessment indicators and a second group of one or more environmental footprint indicators, and displaying, simultaneously on a display of the computer system, a plurality of graphical representations including for the indicator value of each indicator of the first group and the second group, a respective graphical representation. The invention improves water management for an industrial site. | 2021-12-23 |
20210398141 | SYSTEMS AND METHODS FOR PREEMPTING CUSTOMER ACCEPTANCE OF PREDATORY LOAN OFFERS AND FRAUDULENT TRANSACTIONS - System and devices for preempting customer acceptance of predatory loan offers is disclosed. The system may store customer account data and customer contact information. The system may determine an applicable first loan tier, each loan tier associated with a predetermined loan offer and indicative of a financial health of the customer. The first loan tier may be determined based on the customer account data. The system may receive a GPS signal indicating that the customer has entered and remained in a geofenced area associated with a predatory loan provider. In response to determining that the loan merchant is a predatory loan provider, the system may update customer account data and determine a second loan tier based on the updated customer account data, wherein the second loan tier is indicative of a higher risk loan than the first loan tier. Before offering the loan, the customer may be authenticated. | 2021-12-23 |
20210398142 | SYSTEMS AND METHODS TO MANAGE TRANSACTION DISPUTES USING PREDICTIONS BASED ON ANOMALOUS DATA - Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state. | 2021-12-23 |
20210398143 | SYSTEMS AND METHODS FOR PUBLIC-FACING ACCREDITATION USING FINANCIAL INSTITUION DATA - Disclosed are systems and methods for validating institutional or individual credentials and generating public facing electronic insignias representative of the validated credentials. Financial institutions maintain vast amounts of data regarding customers, and in particular data relating to financial history and performance. The disclosed systems and methods provide a novel framework for leveraging such data in order to generate and/or validate credential data. In some embodiments, an immutable ledger maintained at one or more databases in communication with financial institutions may store electronic credential records regarding an institution or individual that can be analyzed and accessed in order to assign an entity to a specific accreditation tier. | 2021-12-23 |
20210398144 | Impact Based Fraud Detection - In some implementations, a computing device can be configured to perform impact-based fraud detection. For example, a computing device (e.g., a network server) can receive user submissions from user devices corresponding to traffic incident reports, point of interest (POI) ratings, product ratings, vendor ratings, and/or other crowd-sourced information. The computing device can identify groups of users based on the user submissions and various grouping criteria. The computing device can determine the impact of these user groups with respect to the targets (e.g., traffic in an area, ratings of a business, etc.) of their user submissions. The computing device can prioritize high impact user groups when attempting to detect fraudulent user group activity (e.g., fraud rings). | 2021-12-23 |
20210398145 | SYSTEM AND METHOD FOR IDENTITY VERIFICATION - Representative embodiments set forth techniques for verifying an identity of a primary user of a primary account on a client device. A method may include receiving, for the primary account, a request for identity verification responsive to an action of a secondary account associated with the primary account and identifying a payment registration characteristic of a payment registration associated with the primary account. The method also includes retrieving identity information associated with the primary account based on the payment registration characteristic and, in response to a determination that the identity information corresponds to a verification indicator, verifying an identity of a user of the primary account. The method also includes, in response to verifying the identity of the user of the primary account, generating a payment verification token and associating the payment verification token with an authorization indication for the action of the secondary account. | 2021-12-23 |
20210398146 | SYSTEM AND METHOD OF DETECTING MASS HACKING ACTIVITIES DURING THE INTERACTION OF USERS WITH BANKING SERVICES - An example of a method for detecting hacking activities includes identifying one or more attributes of each interaction in a sequence of interactions between one or more users and bank services during a predetermined time period. The one or more users are categorized into a plurality of groups based on the identified attributes. Each of the plurality of groups includes users performing the sequence of interactions with the bank services during the predetermined time period. A degree of anomaly is calculated for each of the plurality of groups based on a total number of users associated with a corresponding sequence of interactions and based on a number of users associated with the corresponding sequence of interactions during the predetermined time period. The calculated degree of anomaly is compared with a predetermined threshold. Hacking activity is identified, in response to determining that the calculated degree of anomaly exceeds the predetermined threshold. | 2021-12-23 |
20210398147 | SYSTEM AND METHOD FOR ONLINE CONTENT DELIVERY - Apparatus, systems, and methods for online content delivery are disclosed that operate to present an advertisement to a plurality of users, the advertisement associated with an advertiser and comprising a plurality of software components where at least one software component of the plurality of software components is an interactive software component; track use of the interactive software component by the plurality of users; calculate an aggregate value based on a value associated with each use of the interactive software component; and charge the advertiser an advertising fee corresponding to the aggregate value. Additional apparatus, systems, and methods are disclosed. | 2021-12-23 |
20210398148 | ENTITY PRESENCE INTERFACE - Embodiments of the invention are directed to a system, method, or computer program product for an entity presence interface for identification and tracking of mobile entity presence effectiveness. In this way, the system identifies entity interactions at mobile entity presence locations and subsequently identifies resource generation from the mobile entity presence locations. With this, the system generates a presence resource generation metric that can be compared across various mobile locations for entity review and selection of effective mobile locations for entity presence. | 2021-12-23 |
20210398149 | SYSTEM AND METHOD OF TREND IDENTIFICATION - Improved systems and method as disclosed herein, provide automated analysis tools for more refined trend analysis and evaluation of identified trends. Communication data may be recognized as either audio or textual data which may be processed and analyzed in real-time (as in the case of streaming audio data) or processed at a time apart from the acquisition of the communication data. If the communication data is audio data, then the audio data, may undergo a transcription, which may employ the exemplary technique of large vocabulary continuous speech recognition (LVCSR) or other known speech-to-text algorithms or techniques. Alternatively, the communication data may already be in the form of a transcription or the communication data may have originated as textual data, exemplarily the communication data is from an internet web chat, email, text message, or social media. | 2021-12-23 |
20210398150 | METHOD AND COMPUTER NETWORK FOR GATHERING EVALUATION INFORMATION FROM USERS - A method for generating an adjusted set of response tasks based on a freely formulated response of a user includes using a computer network to receive an initial set of predetermined response tasks, each response task including predetermined response options, based on the selected response options, evaluation information for evaluating at least one predetermined characteristic can be determined, outputting, using a computer device of the computer network, at least one free-formulation response task to at least one user through which an at least partially freely formulated response can be received from the user, identifying, using a computer device, evaluation information based on the freely formulated response, the evaluation information usable for evaluating the predetermined characteristic, and generating, using a computer device, an adjusted set of response tasks based on the identified evaluation information. A computer network gathering evaluation information for a predetermined characteristic from a user is also provided. | 2021-12-23 |
20210398151 | METHODS, SYSTEMS, ARTICLES OF MANUFACTURE, AND APPARATUS TO ESTIMATE AUDIENCE POPULATION - Methods, apparatus, systems and articles of manufacture are disclosed to estimate an audience population. An apparatus includes a characteristic identifier to determine whether respective ones of respondents are associated with a characteristic, a respondent identifier to determine whether the respective ones of the respondents are recaptured based on a comparison of a person identifier corresponding to respondents and a database of previously identified person identifiers, a count determiner to, in response to the respective ones of the respondents exhibiting the characteristic, increase a total capture count by one and, in response to detecting unique instances of the respective ones of the respondents exhibiting the characteristic, increase a unique capture count by one, and a population estimator to, in response to a recapture probability satisfying a threshold, determine a population estimate having the characteristic based on the total capture count, the unique capture count, and a number of available samples. | 2021-12-23 |
20210398152 | GEOGRAPHIC MAPPING SYSTEM FOR RESOURCE POSITIONING OPTIMIZATION WITHIN AN ENVIRONMENT - A system for geographic resource mapping is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; a processing device, wherein the processing device is configured to execute the computer-readable program code to: receive a geographic location for a proposed resource site from a user; extract historical interaction information associated with the geographic location and the user from an interaction database; generate a resource map for the geographic location based on the historical interaction information and the proposed resource site; calculate a landscape score for the proposed resource site at the geographic location, wherein the landscape score compares the proposed resource site with other resource sites associated with the geographic location based on the generated resource map; and based on the landscape score falling below a predetermined threshold, reject the proposed resource site at the geographic location. | 2021-12-23 |
20210398153 | Dynamic Platform For Physical Stores Information For Interactive Map - A dynamic platform in a map application allows users to discover various types of goods at a selected geographic region. A method for utilizing the dynamic platform includes providing, by one or more processors, a map for display on a computing device. The method includes receiving, by the one or more processors, a request for displaying a business content in the map, wherein the business content includes information in relation to physical stores. The method includes displaying, by the one or more processors, the business content at a selected geographic location. The method includes collecting, by the one or more processors, computational data of local market information related to the selected geographic location. The method includes presenting, by the one or more processors, the local market information in the map. The method includes providing a recommendation whether to update the business content based on the local market information. | 2021-12-23 |
20210398154 | SYSTEMS AND METHODS FOR CONTROLLED TESTING OF PREFERENCE DATA ON AN E-COMMERCE PLATFORM - A computer-implemented is disclosed. The method includes: receiving input of product value data for a product item and a data modifier for the product value data; determining a current inventory location for the product item; retrieving historical transfer value preference data for a geographical region; determining adjusted product values for the product item and adjusted shipping rates associated with shipping the product item to the geographical region based on the historical transfer value preference data; transmitting for display, on customer devices associated with the geographical region, different sets of product data for the product item; detecting transaction events for the product item based on input received via the customer devices; and outputting the product item and a target set of product data for the product item for the geographical region for display on a merchant device, the target set of product data selected based on the detected transaction events. | 2021-12-23 |
20210398155 | COMPUTING DEVICE, SYSTEM, NOTIFYING DEVICE, COMPUTING METHOD, AND PROGRAM - A computing device includes a fuel price identifying unit that is configured to identify, based on a load plan and information on prediction of weather conditions, a fuel price in a case where motive power of a cooling water cooling device is varied, and a balance identifying unit that is configured to identify, based on the selling price of the generated electric power and the fuel price, at least a balance that is greater than a balance obtained by generated electric power according to the load plan in a case where a current operation is continued. | 2021-12-23 |
20210398156 | INFORMATION PROVIDING DEVICE AND INFORMATION PROVIDING METHOD - An information providing device | 2021-12-23 |
20210398157 | SYSTEMS AND METHODS FOR MAXIMIZING MINE PRODUCTION SCHEDULING - The methods of the present disclosure can solve mine production scheduling problems modeled with multi capacities, grade blending, grade uncertainty, stockpiles, variable pit slopes, multi destinations and truck hours. In some embodiments, the methods disclosed can provide an optimal integer solution to the open pit mine production scheduling problem with capacity constraints together with lower and upper bound blending constraints. The difference between the integer feasible solution and the optimal linear solution of the same problem is called an “optimality gap”. In one example, the strength of the integer solution algorithm developed is highlighted by the ability of solving problems that have more than 7 million variables as an integer problem with an optimality gap as small as 0.01% within 5 hours 30 minutes. | 2021-12-23 |
20210398158 | MODIFYING A POLICY OF AN INPUT/OUTPUT DEVICE IN RESPONSE TO EXTERNAL PROMOTIONAL EVENTS - A method and system for generating a modified input/output (I/O) device policy in response to external promotional events. The method includes generating a modified policy based on a request to promote at least one service, wherein the modified policy is generated based on at least one service currently defined in an initial policy of the I/O device and similar to the at least one service to be prompted; determining a current state of a user of the I/O device based on a collected dataset related to a user of the I/O device; and executing, based on the current state, at least one plan defined in the modified policy, wherein executing the at least one plan further includes causing the I/O device to activate at least one service to be prompted. | 2021-12-23 |
20210398159 | DATA COLLECTION SYSTEM FOR MACHINE LEARNING - A data collection system for machine learning that is configured to collect data containing personal information from vehicles while administrating the collected personal information tightly. The data collection system comprises a control unit and a human-machine interface. The control unit comprises a power switch recognizer and a human-machine interface controller. The control unit is configured to collect data from the vehicle to perform machine learning while the power switch is on, and confirm an intention of the user to use the data of the vehicle for machine learning via the human-machine interface. | 2021-12-23 |
20210398160 | Systems and Method for Automated Purchase and Receipt of Consumer Motor Fuels for Periods in the Future - A computerized system for transacting the purchase and sale of consumer motor fuels between motor fuel merchants and retail consumers through software on a mobile or desktop connected device for periods in the future through the simultaneous execution of multi-party, multi-layered contingent transactions and pricing algorithms to ensure that all inter-related motor fuel merchant transactions are simultaneously transacted upon a retail consumer purchase execution. Motor fuels include refined products such as gasoline and diesel fuel, renewable fuels (e.g. ethanol, biodiesel), natural gas (including liquefied natural gas), jet fuel and electricity. | 2021-12-23 |
20210398161 | Crowdsourcing incentive based on shelf location - A method for identifying perishable products in a retail store and for automatically generating offers relating to the identified products is provided. The method may include receiving a set of images depicting perishable products of at least one product type displayed on at least one shelving unit in a retail store. The method may also include analyzing the set of images to determine information about a displayed inventory of the perishable products. The method may further include accessing a database storing information about the at least one product type. The method may also include using the information about the displayed inventory and the stored information about the at least one product type to determine at least one offer associated with the at least one product type. The method may further include providing the at least one offer to at least one customer of the retail store. | 2021-12-23 |
20210398162 | SYSTEM AND METHOD FOR REWARD DISTRIBUTION BASED ON PURCHASE PATTERN RECOGNITION - A system and computer-implemented method distributes rewards and loyalty points in a payment network based on purchase patterns. The system and method may receive purchase data corresponding to a plurality of purchases where the purchase data includes a merchant, a purchase location, and a purchase time. The system and method may then determine a shopping pattern based on the purchase data. The shopping pattern may indicate a probability that a first purchase transaction beginning at a first store will proceed to a second purchase transaction at a second store. The system and method may also receive further purchase data corresponding to a user computer system and compare it to the shopping pattern. The system and method may then send, to the user computer system, one or more of rewards and loyalty points corresponding to the second store when the further purchase data includes the first store. | 2021-12-23 |
20210398163 | DISTRIBUTION OF FRACTIONAL EQUITY REWARDS BASED ON PURCHASE BEHAVIOR - Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may reduce time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining a pre-purchased supply of shares within an inventory account of the loyalty platform, and by distributing fractional equity rewards to user accounts on the loyalty platform from the pre-purchased supply, a reduction in reward distribution time may be enabled. Further, by maintaining the pre-purchased supply of shares of stock within the inventory based on a running average rate of fractional equity reward distribution, and predicted events, the amount of stock in the inventory may be intelligently controlled to reduce excess inventory, while reducing a probability of reward distribution delay. | 2021-12-23 |
20210398164 | SYSTEM AND METHOD FOR ANALYZING AND PREDICTING EMOTION REACTION - The present invention provides a method for identifying trends and correlation of content items characteristics in relation to user emotional reaction. The method comprising the steps of: receiving plurality of rating/votes originated by different users relating one or more content item, wherein the user is required to selection emotion icon from multiple choice emotion icons, analyzing statistics of users selections by identifying characteristics of the news/article item, including at least one of; timing of news item publication, subject of content item, source/writer of the content, context of the content, style of content, key words/image appearing in the content and identifying correlations of content item characteristics in relation user emotion reaction according to the said analysis identifying trends. | 2021-12-23 |
20210398165 | Dynamically Changing Promotions Displayed on a Mobile Device and Measuring The Benefit Thereof - In a system for dynamically selecting messages for display on a mobile device, the message to be displayed is selected based on a change in one or more parameters associated with the user of the device. The parameters include a set of promotions previously transmitted to the user device or a purchasing pattern of one or more other users to whom a particular promotion was sent previously. | 2021-12-23 |
20210398166 | SYSTEMS AND METHODS FOR MAXIMIZING BUDGET UTILIZATION THROUGH MANAGEMENT OF LIMITED RESOURCES IN AN ONLINE ENVIRONMENT - A computer-implemented system and a method for automatic electronic order creation are disclosed. The system and method may be configured to: receive a digitized document comprising embedded metadata related to contents of the digitized document; analyze the embedded metadata to extract a boundary parameter; generate a unique reference identifier associated with the digitized document and the boundary parameter; receive a first input data setting one or more target measurements for one or more predefined periods of time, wherein a sum of the one or more target measurements is less than or equal to the boundary parameter; receive a second input data setting configuration data for achieving the one or more target measurements; and generate an electronic order based on the configuration data. | 2021-12-23 |
20210398167 | SYSTEM AND METHOD FOR REDEEMING A REWARD - Systems and methods for redeeming a reward held by an individual are described. A method for redeeming a reward includes determining threshold criteria for provision of a targeted reward redemption offer, identifying at least one individual based upon the threshold criteria, determining the targeted reward redemption offer, and providing the targeted reward redemption offer to the identified individual. A response to the provided targeted reward redemption offer may be received, and an account of the identified individual may be adjusted in accordance with the targeted reward redemption offer and the received response. | 2021-12-23 |
20210398168 | REAL-TIME INTELLIGENT ADVERTISEMENT DELIVERY METHOD AND SYSTEM BASED ON LICENSE PLATE INFORMATION REPORTING AND LICENSE PLATE RECOGNITION - Provided is a real-time intelligent advertisement delivery method based on license plate information reporting and license plate recognition, wherein a rear vehicle is identified through recognition of a rear vehicle license plate number, and customized content delivery is performed on the vehicle from a front vehicle or surrounding vehicles/devices. Therefore, a personalized projection effect is realized. | 2021-12-23 |
20210398169 | METHODS AND SYSTEMS FOR PROVIDING CONTEXTUAL INFORMATION - Methods for providing contextual information about communication devices and/or services. Profile information indicating a user's communication devices and/or services is stored. When profile information or a message log is displayed, the user may identify a communication device and/or service. A query inquires whether the user would like contextual information. The contextual information may be obtained from a gateway in a data network or a telecommunications manager in a telecommunication network. The contextual information is displayed. Profile information about a user's communicating partner may be stored. When the user makes an effort to communicate with the partner, a check may be made of the partner's profile information for a preferred communication device and/or service. If the user does not have a communication device and/or service corresponding to that of the communicating partner, a query may inquire whether the user would like contextual information. If so, the contextual information is presented. | 2021-12-23 |
20210398170 | SYSTEMS AND METHODS FOR PROVIDING A DEMAND SIDE PLATFORM - The present invention is directed towards methods and systems for matching, by a demand side service, an advertisement with an impression from a plurality of impressions available across a plurality of impression opportunity providers. A demand side service executing on one or more servers may receive a request to bid for placement of an advertisement on one or more impression opportunities available across a plurality of impression opportunity providers. The demand side service may further determine an impression opportunity from the plurality of impression opportunities to bid on. In addition, the demand side service may communicate, via a network, one or more bids via an interface to an impression opportunity provider of the plurality of impression opportunity providers. The demand side service may complete a transaction to procure the impression opportunity from the impression opportunity provider responsive to a winning bid from the one or more bids. | 2021-12-23 |
20210398171 | FINE PRINT BUILDER - A method, apparatus, and computer program product are disclosed to improve generation of fine print for promotions. The method includes receiving identifying information that identifies one or more locations and either a product or service, transmitting the identifying information, and receiving, based on the identifying information, information including a set of relevant fine print clause data structures. The method further includes displaying, by a user interface, one or more fine print clauses from the relevant fine print clause data structures and generating, using a processor, a configured fine print data structure based on the displayed fine print clauses and input received via the user interface. Finally, the method includes transmitting the configured fine print data structure. A corresponding apparatus and computer program product are also provided. | 2021-12-23 |
20210398172 | METHODS AND SYSTEMS FOR GENERATING RECOMMENDATIONS FOR CONTACTING USERS THROUGH THE USE OF A CONTEXTUAL MULTI-ARMED BANDIT FRAMEWORK - Methods and systems are described for machine learning algorithms that dynamically allocate traffic to contact strategies that are performing well, while allocating less traffic to contact strategies that are underperforming. In particular, the methods and systems discussed are for the use of a contextual multi-armed bandit framework for applications that have both immediate results and long-term results, in which immediate results are correlated with the long-term results (e.g., results related to debt collection strategies). | 2021-12-23 |
20210398173 | CUSTOMER REVIEW AND TICKET MANAGEMENT SYSTEM - The present disclosure provides for a method, comprising: importing customer reviews from a plurality of external sources, wherein importing customer reviews comprises of performing a scheduled job at a pre-determined frequency that makes a functional call with property identifiers to an application programming interface operating as an individual importer; categorizing each imported customer review into a designated one or more categories; displaying each of the imported customer reviews through one or more widgets on a user interface of a management system; importing work orders generated at individual properties, wherein each work order is assigned a ticket number; importing emails transmitted to a specific email address; and generating a work order from an imported email. | 2021-12-23 |
20210398174 | SMART HEALTHCARE MANAGEMENT SYSTEM - The present invention provides a smart platform for handling a variety of healthcare services offered to patients located at different locations. The smart platform may be configured with an intelligent algorithm to receive a request for a healthcare service from a patient. The algorithm handles the request by negotiating on behalf of the patient and provides cost effective healthcare services to the patient. | 2021-12-23 |
20210398175 | METHODS AND SYSTEMS FOR DYNAMIC PRICE NEGOTIATION - A computer-implemented method for negotiating a price of a product for a user may comprise obtaining an identification of the user via a device associated with the user; obtaining social influence data of the user based on the identification of the user, wherein the social influence data of the user includes a net promoter score or a social ranking of the user; obtaining purchase parameter data of the user based on the identification of the user, wherein the purchase parameter data of the user includes a credit score, an income range, or a transaction history of the user; determining a user-specific price of the product based on the purchase parameter data and the social influence data using a trained machine learning model; and transmitting, to the user, a notification indicative of the user-specific price. | 2021-12-23 |
20210398176 | APPARATUS, METHOD, AND STORAGE MEDIUM FOR BURSTABLE INSTANCE RECOMMENDATION - In a burstable instance recommendation server including a processor, and providing information on a burstable instance provided by a public cloud, the burstable instance being a candidate to which a predetermined instance under utilization is migrated, the processor identifies a first candidate burstable instance provided by the public cloud based on performance time series data of the instance under utilization. The processor calculates high load performance time series data in which occurrence of a load higher than in the performance time series data is estimated on the identified first candidate burstable instance, and the processor calculates a penalty in case of the high load performance time series data. The processor recognizably displays a cost of the first candidate burstable instance and the penalty. | 2021-12-23 |
20210398177 | TIME-DECAY ANALYSIS OF A PHOTO COLLECTION FOR AUTOMATED ITEM LISTING GENERATION - Systems and methods are provided for receiving image data from a mobile device; identifying, based on the image data, an item and a product characteristic of the item; generating listing data of the item based on the product characteristic; determining that the item is associated with a product category; identifying a set of listings associated with the product category; applying a decay formula to the set of listings to generate a discounted number of sales and a discounted number of impressions at least one listing of the set of listings; determining a ratio of the discounted number of sales to the discounted number of impressions; determining a ranking of the set of listings based on the ratio; generating a price estimate of the item based on the ranking of the set of listings based on the ratio of the discounted number of sales to the discounted number of impressions; and causing display of a user interface including a request to list the item, the user interface including the listing data and the price estimate of the item. | 2021-12-23 |
20210398178 | PRODUCT CATEGORY DRIVEN NAVIGATION MENU - A method and system for creating a product menu for an e-commerce website has been developed. First, a product category list is created using a navigation menu editor for the website. The product category list is then organized into a tree hierarchy using the navigation menu editor. The product category list is stored in a database and accessed later through an application program interface (API). The product category list is filtered according to the tree hierarchy and displayed as a product menu to a user of the website via a user interface (UI). | 2021-12-23 |
20210398179 | DONEES AND DONORS MATCHING PLATFORM WITH DONEE VALIDATION AND NEEDS VERIFICATION - A donees and donors matching platform with donee validation and needs verification is provided. In some embodiments, the platform is a computer system for matching donors and donees comprising a processor, programmed with computer instructions, which when executed, cause the processor to: present a graphical user interface for matching donors and donees, including a portion for presenting an option for a donee to register with the system and a portion for presenting an option for the donee to state their needs; execute a validation algorithm to validate the donee's identity and the donee's stated needs; and present a graphical user interface portion that displays a validated donee's verified needs and a portion that presents an option for a donor to fulfill at least some of the verified needs. | 2021-12-23 |
20210398180 | METHOD AND SYSTEM FOR RIDE SHARES INVOLVING HIERARCHICAL DRIVER REFERRALS - Systems and methods according to which a mobile application is running on a driver's mobile device for authenticating ride share drivers. When a driver initially registers with a rideshare service, the driver is prompted to provide biometric information via a mobile app running on the driver's mobile device. The biometric information is then stored in a database with a ride share management server in a file associated with the driver's account. Subsequently, when the driver expresses an offer to provide a ride share trip, the server performs an authentication check based on the pre-stored biometric information. Furthermore, the system discloses herein facilitates increased rideshare revenue generation by creating referral chains for a driver when a previously-registered driver, or an affiliate of the rideshare service refers a proposed new driver to the rideshare service and the proposed new driver then registers with the rideshare service. | 2021-12-23 |
20210398181 | Automating User Purchases from Web Merchants on Mobile Devices - A purchasing agent application operates on a mobile device to facilitate a user's purchase of a product featured on a web page of a third party merchant. The user can select an option in a web browser to share the web page URL with the application. The application communicates with a server to streamline the purchase process based on previously entered user identity, payment and shipping information. The application and/or server use machine learning models to automate the completion of any one or more form fields and/or link selections that the user would otherwise be required complete on the third party merchant's web site to execute the purchase. None of the user, the application or the server need have any prior relationship with the third party merchant. The machine learning models can be trained, for example, using supervised learning, unsupervised learning and/or reinforcement learning techniques. | 2021-12-23 |
20210398182 | Information Marketplace - A method for enabling a user to sell or grant information filtered to align with the user's life state. This information may include at least demographic information, health information, ethnic information, social information and psychological information. The system may grant customers permission to purchase or obtain the information about the user's life. Customers are also members of the information marketplace system and may respond to user offers, or customers may offer to purchase or obtain user information. Offers are evaluated using a set of criteria before they are accepted by a user or customer; and may use the transacted information about the user's life. The method also enables the customer to rate the user according to the user's behavior, and to enable search engines, web sites, systems, databases, resources, and personnel to filter search results according to the information about the user's life. The information transaction may also allow the purchased or obtained information to be periodically or dynamically updated or renewed over time. A user's information may be transacted using a variety of transaction methods, including traditional payment options, point systems, or other means according to user and customer preferences. | 2021-12-23 |
20210398183 | SYSTEMS AND METHODS FOR DEEP LEARNING MODEL BASED PRODUCT MATCHING USING MULTI MODAL DATA - Methods and systems for generating a plurality of matching items that match a reference item are disclosed. The method includes first determining reference attribute data for the reference item, where the reference attribute data is multimodal. Next, selecting a deep learning multimodal matching model from a plurality of candidate multimodal matching models. The selected deep learning multimodal matching model has a first deep learning neural network (DLNN) for processing data having a first data mode and a second DLNN analyzer for processing data having a second data mode. Then, matching a potential matching item to the reference item using the selected deep learning multimodal matching model to generate a match score, where the match score is computed based on the reference attribute data for the reference item and attribute data for the potential matching item. Finally, adding the potential matching item to the plurality of matching items based on the match score. | 2021-12-23 |
20210398184 | METHOD, MEDIUM, AND SYSTEM FOR AUTOMATIC DATA EXTRACTION FROM WEB PAGES AND ANALYSIS THEREOF - The present disclosure provides a method of automatically extracting data from web pages and analyzing the extracted data to generate an output. A plurality of web pages of a plurality of merchants is accessed. Based on the accessing of the web pages, a subset of the plurality of web pages is identified as inventory pages that contain information about products or services offered for sale. The inventory pages are electronically scanned to extract a price for each of the products or services. An output is generated that includes a listing of the products or services and prices associated with the products or services, respectively. | 2021-12-23 |
20210398185 | SYSTEMS AND METHODS FOR PERSONAL TASTE RECOMMENDATION - Disclosed herein are systems and methods for personal taste recommendation. In one implementation, an image set is obtained at a recommendation system. The image set has at least one image of a wine list menu having one or more wines for a dining location, and the image set is captured using a camera of a user device. An identified wine is generated for each of the one or more wines on the wine list menu based on a match to a known wine. A personalized wine menu unique to a particular user set for the dining location is generated by generating a personalized taste match of the particular user set for each of the one or more identified wines. | 2021-12-23 |
20210398186 | METHODS AND SYSTEMS FOR PROVIDING A RECOMMENDATION - A computer-implemented method for providing a vehicle recommendation to a user may include: obtaining one or more vehicle images via a device associated with the user; identifying one or more user-selected images of the one or more vehicle images based on user interaction with the one or more vehicle images performed by the user via a user interface; identifying one or more first-level attributes from the one or more user-selected images; obtaining one or more vehicle identifications from the one or more user-selected images; determining one or more second-level attributes based on the one or more vehicle identifications; determining a value of each of the one or more first-level attributes and the one or more second-level attributes; determining the vehicle recommendation based on the value; and transmitting, to the device associated with the user, a notification indicating the vehicle recommendation. | 2021-12-23 |
20210398187 | USING MACHINE LEARNING TO PREDICT A USAGE PROFILE AND RECOMMENDATIONS ASSOCIATED WITH A COMPUTING DEVICE - In some examples, a server may receive usage data from a computing device, determine a usage profile of the computing device, and determine that a component of the computing device is predicted to fail and at what time. If the time is within a warranty period of a current warranty, then the server may recommend purchasing an upgraded warranty and provide a cost-benefit analysis of purchasing the upgraded warranty. If the time is outside the warranty period, then the server may recommend purchasing an extended warranty and provide a cost-benefit analysis of purchasing the extended warranty. The server may use the usage data to make a recommendation to upgrade one or more components (e.g., memory, disk drive, network card, or the like) of the computing device. The server may use the usage data to make a recommendation to upgrade from the computing device to a different computing device. | 2021-12-23 |
20210398188 | INTERACTIVE VENDING MACHINE - A method of presenting product information in a vending machine may include detecting audio information from a consumer and converting the audio information to a text string. The method may include identifying a keyword in the text string, and determining products from a product database associated with the keyword. The method may include returning a list of the products that correspond to the keyword. | 2021-12-23 |
20210398189 | SYSTEM AND METHOD FOR COLLECTING AND ACCESSING PRODUCT INFORMATION IN A DATABASE - A database system and method is disclosed. The database system includes a matching module configured to query a database for users which have data matching an interest of another user and to selectively grant to one or more of the users access to data of the other user based at least in part on a result of the query and on an access control list. | 2021-12-23 |
20210398190 | COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR OPTIMIZATION OF CROP PROTECTION | 2021-12-23 |
20210398191 | SYSTEM AND METHOD FOR DYNAMIC REAL-TIME CROSS-SELLING OF PASSENGER ORIENTED TRAVEL PRODUCTS - Disclosed is a method for cross-selling passenger-oriented travel products from a sponsor company and other travel product providers to users, by normalizing the products and dynamically filtering the products in real-time according to rules defined by the travel product sponsor company. In one of the embodiments, ancillary products from any combination of an airline sponsor company, affiliated airline companies and other travel product providers may be presented to customers in accordance with the sponsor company's preferred product bundling nor package scheme and in coordination with affiliated airlines and other travel product providers as they may be available for a combined product. Other embodiments cross-sell travel products for rail, sea and other ground transportation, accommodation services and providers as well as passenger-oriented ancillary travel product providers such as Wi-Fi and duty-free shopping services. | 2021-12-23 |
20210398192 | PERSONALIZED ITEM RECOMMENDATIONS THROUGH LARGE-SCALE DEEP-EMBEDDING ARCHITECTURE WITH REAL-TIME INFERENCING - A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include training two sets of item embeddings for items in an item catalog and a set of user embeddings for users, using a triple embeddings model, with triplets. The triplets each include a respective first user of the users, a respective first item from the item catalog, and a respective second item from the item catalog, in which the respective first user selected the respective first item and the respective second item in a respective same basket. The method also can include randomly sampling an anchor item from a category of items selected by a user. The method additionally can include generating a list of complementary items using a query vector associated with the user and the anchor item. The query vector is generated for the user and the anchor item using the two sets of item embeddings and the set of user embeddings. Other embodiments are disclosed. | 2021-12-23 |
20210398193 | NEURAL CONTEXTUAL BANDIT BASED COMPUTATIONAL RECOMMENDATION METHOD AND APPARATUS - Disclosed are systems and methods utilizing neural contextual bandit for improving interactions with and between computers in content generating, searching, hosting and/or providing systems supported by or configured with personal computing devices, servers and/or platforms. The systems interact to make item recommendations using latent relations and latent representations, which can improve the quality of data used in processing interactions between or among processors in such systems. The disclosed systems and methods use neural network modeling in automatic selection of a number of items for recommendation to a user and using feedback in connection with the recommendation for further training of the model(s). | 2021-12-23 |
20210398194 | METHODS AND SYSTEMS FOR REDUCING MEMORY USAGE IN AN E-COMMERCE SYSTEM - Methods and systems for reducing memory consumption due to abandoned data structures in an e-commerce platform. A shopping cart data structure contains at least one product item identifier and a user identifier. The platform determines a probability of completion associated with the shopping cart data structure based at least in part on the at least one product item identifier and the user identifier. If the probability of completion is lower than a threshold value, then the platform identifies a data change and applies the data change to the shopping cart data structure to produce a modified shopping cart data structure. A display on a user device is generated based on the modified shopping cart data structure. The data change selected to produce a modified shopping cart data structure that correlates to a higher probability of completion. | 2021-12-23 |
20210398195 | ABSORBENT ARTICLE SENSOR REPLACEMENT SYSTEM - A system includes a processor that executes computer executable components. The computer executable components include a battery monitoring component that monitors a power level of a power unit of a sensor device that removably attaches to an absorbent article configured to absorb and contain bodily exudates; and a notification component that generates a replacement notification based on a determination that the power level is below a threshold power level. | 2021-12-23 |
20210398196 | METHOD AND PLATFORM FOR MANAGING GIFTS - The present invention relates to a computer-implemented method for managing establishment-linked beverage gifts or gifts between different users, which users are registered with an account on a mobile application executable on a mobile device with a display. | 2021-12-23 |
20210398197 | METHOD AND APPARATUS FOR IDENTIFYING A SELECTED PRODUCT BASED ON LOCATION - A method, apparatus and computer program product are provided to identify a selected product based on location. In the context of a method, a comparison is performed, for each of a plurality of products, of one or more locations of a shopper relative to a location of a respective product. For each of the plurality of products, the method also includes determining, based upon the comparison of the one or more locations of the shopper relative to the location of the respective product, a likelihood that the respective product was manually selected. Based on the likelihoods that respective products were manually selected, the method further includes identifying one or more of the plurality of products. | 2021-12-23 |
20210398198 | CROWDSOURCING INCENTIVE BASED ON SHELF LOCATION - A system for processing images may include a processor configured to receive one or more images captured in a retail store and depicting a plurality of products displayed on at least one store shelf. The processor may also be configured to analyze the one or more images to determine at least one task associated with a store shelf. The processor may further be configured to determine an incentive for completing the at least one task based on a property of the store shelf, wherein the incentive is intended for a non-employee individual associated with the retail store. The processor may also be configured to provide an offer to at least one individual non-employee individual associated with the retail store, the offer including receiving the incentive in response to completing the at least one task. | 2021-12-23 |
20210398199 | WITHHOLDING LOW CONFIDENCE NOTIFICATION DUE TO PLANOGRAM INCOMPLIANCE - A system for automatically identifying situations to withhold planogram incompliance notifications in a retail store is disclosed. The system has a processor that receives image data depicting products displayed on a store shelf from image sensors mounted in the retail store. The processor identifies a product type associated with the displayed products and determines a placement of products of that product type on the shelf. The processor accesses a planogram describing a desired placement of products and identifies, based on the planogram, a discrepancy between the determined placement of products and the desired placement of product. The processor determines whether a notice-override condition exists. If a notice-override condition exists, the processor, withholds issuance of a user-notification associated with the identified discrepancy. If a notice-override condition does not exist, the processor issues the user-notification associated with the identified discrepancy. | 2021-12-23 |
20210398200 | SELECTIVELY WITHHOLDING ALERTS IN ONE RETAIL STORE IN RESPONSE TO EVENTS IN OTHER RETAIL STORES - Systems and methods for coordinating actions across two or more retail stores are provided. In one implementation, at least one processor is configured to receive first image data captured from a first retail store; analyze the first image data to identify a first planogram incompliance event for a shelf of the first retail store; generate an instruction for an employee to perform a remedial action; acquire and store feedback from the employee; receive second image data captured from a second retail store; analyze the second image data to identify a second planogram incompliance event for a shelf of the second retail store; determine that the shelves of the first and second retail stores are related: access the feedback from the employee; use the feedback in determining what action to take in response to the second planogram incompliance event; and initiate an action based on the determination. | 2021-12-23 |
20210398201 | ON-LINE SESSION TRACE SYSTEM - In various example embodiments, a system and method for enhancing a user's on-line experience by utilizing a computer-implemented on-line session trace system is provided. The on-line session trace system is provided in connection with an on-line trading platform. The on-line session trace system records and stores a state of an on-line session associated with a user identification and permits a user associated with the user identification to commence a further on-line session from a state corresponding to the saved state of a previous on-line session. | 2021-12-23 |
20210398202 | USING LOW-RESOLUTION IMAGES TO DETECT PRODUCTS AND HIGH-RESOLUTION IMAGES TO DETECT PRODUCT ID - A system for processing images captured in a retail store and automatically identifying products displayed on shelving units, includes at least one processor configured to: receive a first image depicting a shelving unit with a plurality of products of differing product types displayed thereon and a first plurality of labels coupled to the shelving unit; receive a set of second images depicting a second plurality of labels; correlate a first label depiction of a specific label included in the first image to a second label depiction of the same specific label included in a second image; use information derived from the second label depiction to determine a type of products displayed in the first image in proximity to the specific label; and initiate an action based on the determined type of products displayed in proximity to the specific label. | 2021-12-23 |
20210398203 | SYSTEMS AND METHODS FOR RESERVING A REPLACEMENT RENTAL VEHICLE - A rental self-service (“RSS”) computer system, including a processor and a memory, is provided. The processor is programmed to: (i) verify that a policyholder is eligible to receive a replacement rental; (ii) transmit a customized link to the eligible policyholder; (iii) receive an access request for access of a rental self-service portal, (iv) retrieve policyholder data using information extracted from the customized link; (v) pre-populate a portion of a searchable interface of the rental self-service portal using the retrieved policyholder data; (vi) cause rental vehicle data to be displayed to enable the policyholder to view available rental options and select a vehicle class; (vii) calculate a policyholder cost for renting a selected vehicle class; and (viii) cause to be displayed on the user device (a) the calculated policyholder cost and (b) an option to confirm the rental reservation. | 2021-12-23 |
20210398204 | Formation of a Financial Life Story - A method implemented on an electronic computing device for creating a financial story for an individual includes receiving information regarding finances for the individual, obtaining information comprising biographical information for the individual and obtaining information regarding future goals for the individual. The received and obtained information is used to create the financial story for the individual. The financial story includes a timeline that shows past and future life and financial events for the individual. At least some of the future life and financial events for the individual on the timeline are automatically generated using heuristics. | 2021-12-23 |
20210398205 | SYSTEM AND METHOD FOR FACILITATING BANK ACCOUNT INFORMATION CHANGES - In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account. | 2021-12-23 |
20210398206 | Systems and Methods to Provide Account Features via Web Based User Interfaces - A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs. | 2021-12-23 |
20210398207 | SYSTEMS AND METHODS FOR UTILIZING VEHICLE TELEMATICS DATA TO ADJUST A VARIABLE VEHICLE OBLIGATION ARRANGEMENT BASED UPON VEHICLE DEPRECIATION - Vehicle usage-based data, including telematics data, may be utilized to generate and/or adjust one or more terms (e.g., a variable interest rate and/or variable principle amount) of a variable vehicle loan. Telematics data may include, for example, data generated via a vehicle data system and/or a mobile electronic device. The one or more terms may be additionally or alternatively be adjusted based upon transportation metrics associated with usage of the vehicle by a transportation network company (TNC) and/or TNC driver. | 2021-12-23 |
20210398208 | METHOD AND DEVICE FOR ISSUING A CREDIT VIA A PAYMENT CHANNEL - A method for granting a credit from an issuer of the credit to a recipient of the credit via a payment channel. The method includes: the issuer and the recipient reach an agreement regarding a payment covering the credit from a payment service provider of the recipient to a payment service provider of the issuer; at least the amount of the credit is frozen on the payment channel for the issuer for an agreed-upon time allowed for payment, the payment service providers are registered; provided a confirmation of the payment takes place by at least one of the payment service providers within the time allowed for payment, the amount is automatically credited by the payment channel to the recipient or the time allowed for payment is extended; otherwise, the amount is automatically released by the payment channel for the issuer after the time allowed for payment elapses. | 2021-12-23 |
20210398209 | ONLINE MARKETPLACE WITH SELLER FINANCING - An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users. | 2021-12-23 |
20210398210 | SYSTEMS AND METHODS OF TRANSACTION TRACKING AND ANALYSIS FOR NEAR REAL-TIME INDIVIDUALIZED CREDIT SCORING - Systems and methods are provided for analyzing user transactions in near-real time to determine a credit score that can be used to indicate the credit worthiness of a user. The system may be capable of communicating with one or more third party systems for obtaining and verifying financial transactions performed by the user. In some implementations, the system may make recommendations for financial products that may be used to improve the services provided to the user. | 2021-12-23 |
20210398211 | SYSTEMS AND METHODS FOR CONVERTING CRYPTOCURRENCY - A method for cryptocurrency conversion includes: determining conversion information; sending the cryptocurrency to a settlement address; determining conversion orders; determining transaction completion; and executing the conversion orders. | 2021-12-23 |
20210398212 | METHOD AND SYSTEM FOR ORDER MANAGEMENT - A method and system for order management that allows access to additional pools of liquidity is described. Other embodiments are also described. | 2021-12-23 |
20210398213 | DIVERSE OPTIONS ORDER TYPES IN AN ELECTRONIC GUARANTEED ENTITLEMENT ENVIRONMENT - An enhanced system and method for handling, matching and executing a diverse group of limit-priced orders in an electronic options environment is disclosed. Most of the order types disclosed are automatically repriced and reposted as the NBBO changes to increase their execution opportunities. Market maker entitlements are integrated with the order processing, so that the market maker is guaranteed an allocation of the trade if the market maker is at the NBBO when an order priced at or better than the NBBO is received. Once posted to the order book, the displayed price of an order may be eligible for preferential execution in a market maker entitlement process, regardless of whether the displayed price is original or has been automatically repriced. | 2021-12-23 |
20210398214 | SYSTEMS AND METHODS FOR SECURITIZING A COMMODITY - A method for creating trust shares in a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a creation order comprising a request to create the trust shares, confirming delivery into a trust account of an amount of physical commodity associated with the trust shares being requested, and releasing the requested trust shares based upon the amount of physical commodity delivered into the account. A method for redeeming trust shares associated with a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a redemption order comprising a request to redeem an amount of trust shares associated with an amount of the physical commodity held in a trust account, receiving the amount of the trust shares, and releasing from the trust account the amount of the physical commodity associated with the amount of the trust shares received. | 2021-12-23 |
20210398215 | System and Method for Asymmetric Offsets in a Risk Management System - A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it is desirable to allow for asymmetrical offsets. In the disclosed system and method, when two products have a correlation of 80%, one may be assigned an offset of 75% and the other may be assigned an offset of 80%. There are many reasons to vary the offset between the products. The varying offset may reflect an asymmetry in the risk in one of the products, such as being traded in an illiquid market or in a less desirable venue. The varying offset may correct for an imbalance in spread credits due to special charges from intra spreading. | 2021-12-23 |