07th week of 2022 patent applcation highlights part 45 |
Patent application number | Title | Published |
20220051249 | SYSTEMS AND METHODS FOR SINGLE MESSAGE TRANSACTIONS WITH BATCH SETTLEMENT - A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network. | 2022-02-17 |
20220051250 | SYSTEMS AND METHODS FOR CHIP-BASED IDENTITY VERIFICATION AND TRANSACTION AUTHENTICATION - Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message. | 2022-02-17 |
20220051251 | SYSTEM AND METHOD FOR SIMPLIFIED CHECKOUT - In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system. | 2022-02-17 |
20220051252 | SYSTEMS AND METHODS FOR DETECTION OF FRAUD ATTACKS USING MERCHANTS TO TEST PAYMENT ACCOUNTS - Provided herein is a computing system for detecting compromised merchants in a payment card network. The computing system includes a processor in communication with a memory, and the processor is configured to: (i) receive historical transaction data associated with historical transactions carried out at merchants, (ii) determine historical values for key merchant variables for each merchant, (iii) store the historical key merchant variable values, (iv) receive current transaction data associated with current transactions carried out at a selected merchant, (v) determine current values for key merchant variables for the selected merchant, (vi) compare the current key merchant variable values with the historical key merchant variable values for the selected merchant, (vii) identify abnormalities between the current key merchant variable values and the historical key merchant variable values for the selected merchant, and (viii) determine that the selected merchant is a compromised merchant based upon the identified abnormalities. | 2022-02-17 |
20220051253 | METHODS FOR REMOTE TRANSACTION RECEIPT CAPTURE BASED ON EVIDENCE OF A TRANSACTION IN PROGRESS - A method is provided for remotely activating a transaction receipt capture process on a mobile device through a client application from a network-connected cloud-based money payment or wallet service in light of an account issued to a user and incorporated into the service. The method includes the user selecting an account listed in the service through the client application while connected to the service, the user receiving transactional data or otherwise confirmation of account selection, the user submitting the transactional data to a point of sale (POS) terminal, the POS terminal reading the submitted transactional data and approving or denying the transactional data, the service receiving notification of or discovering account activity relative to the user account selected, and the service sending a command to the mobile phone client application to activate a camera or scanning application feature on the mobile phone through an extension in the client application. | 2022-02-17 |
20220051254 | TECHNIQUES FOR UTILIZING A PREDICTIVE MODEL TO CACHE PROCESSING DATA - Embodiments of the invention are directed to systems and methods for utilizing a cache to store historical transaction data. A predictive model may be trained to identify particular identifiers associated with historical data that is likely to be utilized on a particular date and/or within a particular time period. The historical data corresponding to these identifiers may be stored in a cache of the processing computer. Subsequently, an authorization request message may be received that includes an identifier. The processing computer may utilize the identifier to retrieve historical transaction data from the cache. The retrieved data may be utilized to perform any suitable operation. By predicting the data that will be needed to perform these operations, and preemptively store such data in a cache, the latency associated with subsequent processing may be reduced and the performance of the system as a whole improved. | 2022-02-17 |
20220051255 | MITIGATION OF FRAUDULENT TRANSACTIONS CONDUCTED OVER A NETWORK - The subject matter disclosed herein provides methods for detecting and mitigating fraudulent transactions conducted over a network. This method can access one or more data values associated with an online transaction between a first party and a second party. The first party can initiate the online transaction. The data values can characterize an identity of the first party and the second party. A score representing a likelihood that the online transaction is fraudulent can be generated. The generation of the score can be based on one or more models for detecting fraud using the data values. The score can be compared to one or more threshold scores. The online transaction can be authorized or rejected based on the comparing. Related apparatus, systems, techniques, and articles are also described. | 2022-02-17 |
20220051256 | SERVER, PROCESSING APPARATUS, AND PROCESSING METHOD - The present invention provides a server ( | 2022-02-17 |
20220051257 | SECURE ELEMENT HAVING MULTIPLE USERS - Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor. | 2022-02-17 |
20220051258 | VOICE RECOGNITION TO AUTHENTICATE A MOBILE PAYMENT - Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment. | 2022-02-17 |
20220051259 | SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR GEO-FENCED ZONES - Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location. | 2022-02-17 |
20220051260 | EXTENDABLE ENGINE SERVICE COVERAGE PRODUCT AND METHOD - A method of providing extendable service coverage for an engine of a machine. The method includes executing a qualified maintenance agreement, installing an apparatus on the engine, utilizing the apparatus to perform a fluid service associated with the engine, and performing all services listed in the qualified maintenance agreement. | 2022-02-17 |
20220051261 | PROCESSES AND SYSTEMS OF BLOCKCHAIN WITH VERIFICATION THROUGH A CONSORTIUM OF STAKEHOLDERS - In a management system having a blockchain structure, the system includes a consortium of stakeholder computers connected to a platform. The consortium of stakeholders providing user inputted data associated with product providence. The platform is integrated with a blockchain database to verify and manage user inputted data. The platform is configured to validate and assign values to the user inputted data to connect to related data within the blockchain database. A user interface is configured to display qualified data based on user search queries and focus search results to provide a roadmap of the data relevant to a particular product or value. | 2022-02-17 |
20220051262 | Determining Qualified Exchanges - A method, a computer program product, and a computer system determine a qualified exchange. The method includes receiving a request for a status of an exchange. The method includes determining the status of the exchange using a qualification analysis. The qualification analysis includes a plurality of prevailing factors and a multi-step analysis. Satisfaction of one of the prevailing factors automatically qualifies the status of the exchange as the qualified exchange. the multi-step analysis includes a plurality of tests. Satisfaction of each of the tests qualifies the status of the exchange as the qualified exchange. The method includes generating and transmitting a response indicative of the status of the exchange. | 2022-02-17 |
20220051263 | SYSTEM FOR MANAGING FRAUDULENT COMPUTING OPERATIONS OF USERS PERFORMED IN COMPUTING NETWORKS AND METHODS OF USE THEREOF - A method includes displaying on a graphic user interface (GUI) of a computing device of a user, a log of computing operations performed by the user at computing terminals of entity servers respectively managed by entities. The user uses a unique authorization identifier provided by the authorizing entity to authorize the computing operations at the computing terminals of the entity servers. The user provides a fraud indication through the GUI that at least one computing operation in the log is fraudulent. Memory jogging visual units are displayed on the GUI to the user that cause the user to recall performing the at least one computing operation identified as being fraudulent. An entry of the at least one computing operation in an operation database is marked as a valid operation authorized by the user when receiving a recognition indication and potentially fraudulent when no recognition indication by the user. | 2022-02-17 |
20220051264 | DETECTING FRAUDULENT USER ACCOUNTS USING GRAPHS - A fraud detection system is disclosed that detects potential fraudulent behavior associated a user account by identifying attributes of the user account that share attributes with one or more known fraudulent user accounts. The set of shared attributes for a user account are identified by constructing a bipartite graph comprising a set of user account nodes and a set of attribute nodes associated with the set of user account nodes. A match score for the user account is computed based on the set of shared attributes. Actions to be taken for the user account are identified based on the match score. The actions may include tagging the user account as potentially fraudulent. The actions can be used by a user (e.g., an administrator) of an organization to more intelligently determine appropriate measures to be taken for the potentially fraudulent user account. | 2022-02-17 |
20220051265 | Method for Providing Digital Content - A method of delivering digital content for use on an electronic cutting machine. The method includes displaying at least one themed project in a rich internet application, where the themed project has at least one glyph of a glyph collection. The method further includes providing access to the rich internet application over a network and offering purchased access to the glyph collection. Any glyphs of the glyph collection can be added to the themed project. The themed project is cuttable on an electronic cutting machine in communication with the rich internet application. | 2022-02-17 |
20220051266 | Fraud Mitigation Via Wireless Communication of Dynamic Transaction Cards - Systems and methods disclosed herein provide fraud mitigation via dynamic transaction card wireless communication. A mobile device may cause a dynamic transaction card to periodically scan its environment to detect wireless enabled devices proximately located near the dynamic transaction card. Based on identifying the wireless enabled devices frequently located near the dynamic transaction card, a set of approved devices may be determined. During a transaction, a dynamic transaction card may scan its environment for other wireless enabled devices proximately located near the dynamic transaction card. If wireless enabled devices detected by the dynamic transaction card are all, or a subset, of the devices that are frequently located near the card, then the transaction may be authorized. However, if the wireless enabled devices detected by the dynamic transaction card are not all, or a subset, of the devices that are frequently located near the card, then the transaction may be unauthorized. | 2022-02-17 |
20220051267 | MULTI-SYSTEM DISTRIBUTED PROCESSING OF GROUP GOALS - Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include incentivizing groups to meet goals. Various other embodiments are described. | 2022-02-17 |
20220051268 | Systems and Methods of Indicating Demand - This application is directed to systems and methods of gathering booking information on a website, calculating demand based on the booking information, and then displaying that demand value to subsequent website visitors. Demand can be shown as, e.g., a numerical representation or a graphical representation. When users visit a website of the inventive subject matter and submit booking requests, information related to those booking requests can be used in association with calculating demand. In some embodiments, demand can be filtered by duration, location, and other booking attributes. | 2022-02-17 |
20220051269 | CARD INACTIVITY MODELING - Systems and computer-implemented methods are described for modeling card inactivity. For example, hierarchical modeling may be used in which a first level classifier may be trained and validated to predict whether a card will be inactive. For cards predicted to become inactive by the first level classifier, a second level classifier may be trained and validated to predict when the card will become inactive. The first level classifier may include a binary classifier that generates two probabilities that respectively predict that the card will and will not become inactive. The second level classifier may include a multi-class classifier that generates a first probability that the card will become inactive at a first time period (such as one or more months in the future) and a second probability that the card will become inactive at a second time period. The multi-class classifier may generate other probabilities corresponding to other time periods. | 2022-02-17 |
20220051270 | EVENT ANALYSIS BASED ON TRANSACTION DATA ASSOCIATED WITH A USER - A device may receive event data associated with a calendar event of a digital calendar of a user and determine, using a machine learning model, a transaction score associated with a probability that the calendar event involves an event transaction. The machine learning model may be trained based on calendar data associated with historical calendar events and transaction data associated with historical transactions. The device may cause, based on the transaction score satisfying a score threshold, the machine learning model to analyze a transaction log of a transaction account of the user to identify transaction information associated with the calendar event. The device may perform an action associated with the transaction information and the calendar event. | 2022-02-17 |
20220051271 | RECEIPT PROCESSING APPARATUS, CONTROL METHOD, AND PROGRAM - A receipt processing apparatus ( | 2022-02-17 |
20220051272 | INFORMATION PROCESSING APPARATUS AND NON-TRANSITORY COMPUTER-READABLE RECORDING MEDIUM - An information processing apparatus includes an acquisition unit configured to acquire at least one of weather information and time information of a predetermined area as an environmental parameter, a use history unit configured to acquire a use history including a use section, a use time, and vehicle information of a vehicle previously used by a user, a prediction unit configured to perform a demand prediction of a vehicle to be used by the user based on correspondence information with the environmental parameter and the use history stored in association with each other, and a vehicle arrangement plan output unit configured to output a plan of arrangement locations of the vehicles planed based on the demand prediction of the vehicle performed by the demand prediction unit. | 2022-02-17 |
20220051273 | Telecommunications Data Used For Lookalike Analysis - A system may generate abstracted graphs from a social relationship graph in response to a query. A query may identify a person for which permission has been obtains to collect their data. The abstracted graphs may include summary statistics for various relationships of the person. The relationships may include other persons, places, things, concepts, brands, or other object that may be present in a social relationship graph, and the relationships may be presented in an abstracted or summarized form. The abstracted form may preserve data that may be useful for the requestor, yet may prevent the requestor from receiving some raw data. When two or more people have given consent, the data relating to the consenting persons may be presented in a non-abstracted manner, while other data may be presented in an abstracted manner. | 2022-02-17 |
20220051274 | UTILIZING A SKETCHING GENERATOR TO ADAPTIVELY GENERATE CONTENT-CAMPAIGN PREDICTIONS FOR MULTI-DIMENSIONAL OR HIGH-DIMENSIONAL TARGETING CRITERIA - The present disclosure relates to systems, non-transitory computer-readable media, and methods to generate sketches for clearing-bid values and bid-success rates based on multi-dimensional targeting criteria for a digital-content campaign and dynamically determine predicted values for the digital-content campaign based on the sketches. To illustrate, the disclosed systems can use a running-average-tuple-sketch to generate tuple sketches of historical clearing-bid values and tuple sketches of historical bid-success-rates from historical auction data. Based on the tuple sketches, the disclosed systems can determine one or more of a predicted cost per quantity of impressions, a predicted number of impressions, or a predicted expenditure for the digital-content campaign—according to user-input targeting criteria and expenditure constraints. | 2022-02-17 |
20220051275 | Cloud-Based Control Platform For Controlling Remote System Settings - In a general aspect, a cloud-based control platform remotely controls variable settings on a remotely-controlled system. In some aspects, the platform maintains a database of data objects for assets, and the data objects include static and dynamic hyperparameters associated with the asset and a template that specifies values of a variable associated with the asset for future time points. The platform updates a template for a data object by calculating target values for the variable for the future time points based on a target criterion, communicating with remote computer systems to determine current values of the dynamic hyperparameters, calculating scaled values for the future time points by applying a determined ratio to the target values, adjusting the scaled values based on the static hyperparameters, applying an override value to the adjusted scaled values. The remotely-controlled system is updated according to the updated template at each of the future time points. | 2022-02-17 |
20220051276 | Data Analytics System, Method and Program Product for Processing Health Insurance Claims and Targeted Advertisement-Based Healthcare Management - An all-inclusive blockchain-based program is provided to transform and streamline personal medical records, history and documentation of a participant in a singular portal to: seek appointments with medical practitioners; streamline flow of medical diagnostics; provide checks and balances to counteract improper medical exams, tests, over-prescription medication; and reward users with usable credits. Advertising content, paid for by a private-party advertiser, is provided to the participant to provide additional credit for consumption of the advertising content. Organ donation is coordinated immediately at least partially based on the transformed medical records of the blockchain-based program, as is facilitation of the participant to purchase medication. Organized and/or tracked shipment and a recycling program for the medication are also available. Ability to process and expedite with absolute transparency every single health insurance claim made by a citizen. | 2022-02-17 |
20220051277 | System and Method for Interactive Offer Redemption - The present disclosure relates to an offer redemption method and system. The offer redemption method includes receiving a user interactive value corresponding to a user interaction level with an external game device; receiving a transaction amount corresponding to a transaction amount made by a user with a merchant; determining an offer value corresponding to the user interaction value, transmitting an authorization request message for receiving authorization response from an authorizing entity, receiving an authorization response for the transmitted authorization request message; and displaying the authorization response and an offer redemption status on a display module of the access device. | 2022-02-17 |
20220051278 | METHOD AND APPARATUS FOR MANAGING CRYPTOCURRENCY REWARDED FOR A RESPONSE SELECTED BY A DRAW AMONG RESPONSES TO A QUESTIONNAIRE - The apparatus for managing cyptocurrency rewarded for a response selected via lottery comprises: memory for storing commands; and a processor for executing actions in accordance with the commands. The actions executed in accordance with the commands comprise: transmitting, to a server, responses to a questionnaire associated with an advertisement after same transmitted to a client device is viewed; selecting one or more responses from among the responses transmitted from users; informing the client device that transmitted the selected response of the selection which includes a reward; receiving, from the client device that received the selection notification, information concerning receiving cryptocurrency; and paying cryptocurrency, which is legal tender, corresponding to the reward. | 2022-02-17 |
20220051279 | Real Time Discount Marketplace - A method includes receiving, from a user device, a request for a discount; identifying first vendors for providing first discounts responsive to the request; transmitting, to the user device, a first list of discounts; and receiving, from the user device, a second request to associate a selected matching discount with a user. The first vendors include a first vendor, a second vendor, and remaining vendors. The first vendor offers a first maximum discount that is a highest discount amongst the first vendors and the second vendor offers a second maximum discount that is a second highest discount amongst the first vendors after the first vendor. The first list of discounts includes a first discount, from the first vendor, that is higher than the second maximum discount of the second vendor by a first increment; and a second discount, from the second vendor, that corresponds to the second maximum discount. | 2022-02-17 |
20220051280 | DYNAMIC CUSTOMER RE-ENGAGEMENT MECHANISM - A method comprising receiving data about the items contained within the shopping carts of at least one customer waiting in a checkout line and calculating a checkout wait time for the checkout line. Identifying a second customer approaching the checkout line and determining an abandonment threshold value for the second customer. Comparing the checkout wait time to the abandonment threshold value, and when the checkout wait time is greater than or equal to the abandonment threshold value, transmitting a re-engagement coupon to the second customer. | 2022-02-17 |
20220051281 | METHOD AND SYSTEM FOR DETERMINING CONTEXT-BASED SUBSCRIPTION PRODUCT SUITE IN RIDE-HAILING PLATFORMS - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a plurality of context-based subscription products in a ride-hailing platform are described. An exemplary method may include: determining a plurality of transportation contexts to which a plurality of context-based subscription products are applicable; obtaining a plurality of historical trip-requesting sessions between a plurality of riders and the ride-hailing platform, and a plurality of historical subscription products offered to the plurality of riders; constructing at least one key performance indicator (KPI) model that predicts a reward for the ride-hailing platform offering the plurality of context-based subscription products to the plurality of riders; constructing an optimization model to maximize a weighted sum of the at least one KPI model; and determining optimal values of the plurality of parameter vectors corresponding to the plurality of context-based subscription products. | 2022-02-17 |
20220051282 | METHOD AND SYSTEM FOR USING MACHINE LEARNING TECHNIQUES TO IDENTIFY AND RECOMMEND RELEVANT OFFERS - Systems and methods for generating recommended offers are disclosed. An example method may be performed by one or more processors of a recommendation system and include correlating attributes of users with attributes of offers based on historical data associated with the users and offers, training a machine learning model to predict a user's interest in an offer based on the correlating, obtaining current user data, obtaining current offer data, providing the current user data and the current offer data to the trained machine learning model, generating, using the trained machine learning model, a predicted level of interest that the current user has in each respective current offer of the number of current offers, identifying, among the number of current offers, at least one current offer having a predicted level of interest for the current user greater than a value, and generating one or more recommended offers for the current user. | 2022-02-17 |
20220051283 | METHOD AND SYSTEM FOR MODEL TRAINING AND OPTIMIZATION IN CONTEXT-BASED SUBSCRIPTION PRODUCT SUITE OF RIDE-HAILING PLATFORMS - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a plurality of context-based subscription products in a ride-hailing platform are described. An exemplary method may include: determining a plurality of transportation contexts to which a plurality of context-based subscription products are applicable; obtaining a plurality of historical trip-requesting sessions between a plurality of riders and the ride-hailing platform, and a plurality of historical subscription products offered to the plurality of riders; constructing at least one key performance indicator (KPI) model that predicts a reward for the ride-hailing platform offering the plurality of context-based subscription products to the plurality of riders; constructing an optimization model to maximize a weighted sum of the at least one KPI model; and determining optimal values of the plurality of parameter vectors corresponding to the plurality of context-based subscription products. | 2022-02-17 |
20220051284 | System and Method for Providing Selective Savings at a Retail Outlet - A networked and computerized system is disclosed for providing savings and discounts to certain individuals at the time of purchase from a retail outlet. Specifically, savings and discounts may be provided to SNAP recipients by manufacturers when certain products are purchased. The individuals eligible for such discounts are determined based upon the payment information. Discounts can be taken at the time of purchase or may be transferred to another account. | 2022-02-17 |
20220051285 | MAINTENANCE OF VIRTUAL CREDIT CARD POOL FOR AIRLINE PASSENGER VOUCHERS - Methods and apparatus are disclosed for the maintenance of a virtual credit card pool for airline passenger vouchers. An example system includes server(s) that are configured to determine a target distribution of virtual credit cards within the virtual card pool for a current date-and-time. The server(s) are configured to, in response to determining that the current date-and-time corresponds with a predefined restocking time, for each card value: identify a current number of virtual credit cards within the virtual card pool; identify a threshold number of virtual credit cards based on the target distribution; compare the current and threshold numbers; in response to determining that the current number is less than the threshold number, transmit a request for virtual credit cards having the card value to an external server; and add the requested virtual credit cards to the virtual card pool upon receipt. | 2022-02-17 |
20220051286 | TRANSMITTING DIGITAL OFFERS OPTIMIZED FOR TRANSMISSION MEDIUM - A computer system and computer-implemented method for receiving digitally stored metadata that defines a digital offer including specifying one or more static components and one or more dynamic components; for each of the static components, pre-computing a digital image in an interim raw byte representation and digitally storing the interim raw byte representations corresponding to all the static components; in response to receiving a request to provide a digital offer in real-time on demand: retrieving the interim raw byte representations corresponding to all the static components; for each of the dynamic components, rendering a component image file in real-time on demand; joining the interim raw byte representations corresponding to all the static components and all the component image files corresponding to the dynamic components and creating and storing a single digital image file corresponding to the digital offer; and transmitting the single digital image file to another computer. | 2022-02-17 |
20220051287 | Predicting Outcomes Via Marketing Asset Analytics - Systems and methods for predicting an outcome for a marketing asset. The systems and methods comprise first determining by a computing device, for a marketing asset received by the computing device, at least one asset type of the marketing asset. The marketing asset is parsed, by the computing device, into a plurality of segmented components, based on the determined at least one asset type. For at least one of the plurality of segmented components, at least one discrete marketing message conveyed by the marketing asset is determined, by applying at least one of a predictive model or rules to the at least one segmented component, where the at least one predictive model or rules are stored in a memory associated with the computing device. The method further includes determining, for each of the at least one discrete marketing message, at least one associated score. The method yet further includes inputting the determined at least one associated score to a trained predictive model to obtain a predicted marketing outcome, where the trained predictive model was trained using training scores associated with a multitude of training discrete marketing messages as independent variables and corresponding training marketing outcome data as dependent variables. | 2022-02-17 |
20220051288 | PRESENTING OPTIONS FOR CONTENT DELIVERY - Methods, systems, and computer program products are provided for presenting an option to have a content item provided to users based on one or more interests. One example method includes providing filtering parameter selection controls, receiving a filtering parameter selection, receiving at least one term corresponding to the one or more interests, and presenting suggestions based on the received term. An estimated number of users having interests matching the suggestions and having user attributes matching the received filtering parameter selection is determined, and the estimated number of users is presented for at least one of the suggestions. A selection of at least one of the suggestions is received, and the content item is delivered to users having interests matching the selected suggestion and having user attributes matching the filtering parameter selection. | 2022-02-17 |
20220051289 | TAGGING AND RANKING CONTENT - Among other things, information is received that represents tags and tag relationships associated by users of content with items of content, and rankings of items of content are derived based on the tags and tag relationships. | 2022-02-17 |
20220051290 | VISUAL INDICATION PRESENTATION AND INTERACTION PROCESSING SYSTEMS AND METHODS - A data processing device system may be configured by a program at least to determine particular content associated with a first indication of observable presentation of the visual indicator received from a first device system; store in response to determining that the particular content is associated with the received first indication, a recorded-presentation indication indicating that the particular content or information associated therewith has been device-presented; determine that the particular content is associated with a second indication of a user interaction with the visual indicator received from a second device system; and store in response to determining that the particular content is associated with the received second indication, an indication that the particular content has been interacted with by a user. | 2022-02-17 |
20220051291 | APPARATUS AND METHODS FOR ADAPTIVE SIGNAGE - Aspects of the subject disclosure may include, for example, a machine-readable storage medium that includes executable instructions that, when executed by a processing system, facilitate performance of operations which include modifying advertising content at a display responsive to a person being determined to be in a first zone relative to the display, determining a presence of a communication device of the person, wherein the second zone is closer in range to the display than the first zone, transmitting a query to the communication device, receiving from the communication device the identifying characteristic of the person, obtaining an image of the person responsive to the person being determined to be in a third zone relative to the display, wherein the third zone is closer in range to the display than the first zone and the second zone, and obtaining modified content for the person based on the identifying characteristic. | 2022-02-17 |
20220051292 | COGNITIVE COMPUTING FOR GENERATING TARGETED OFFERS TO INACTIVE ACCOUNT HOLDERS - Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) and location may be monitored to predict when a user is near a retail store and the user has not used a particular account in a predetermined amount of time. The techniques disclosed include receiving a location for a user's mobile device, and determining when the mobile device is within a predetermined threshold distance of a retail store. The techniques include building a shopping profile for the user based upon shopping habits for the user. The shopping profile may be used to determine what commercial communications should be transmitted to the user to encourage them to utilize an inactive account to make a purchase at the retail store when the user is within the threshold distance of the retail store. | 2022-02-17 |
20220051293 | METHOD AND SYSTEM FOR PLAYING PROMOTION MEDIA CONTENT IN TELECOMMUNICATION NETWORK - A method of playing promotion media content in a telecommunication network is disclosed. The method involves storing a plurality of promotion media content on a database ( | 2022-02-17 |
20220051294 | SYSTEMS AND METHODS FOR IDENTIFYING INTERNET USERS IN REAL-TIME WITH HIGH CERTAINTY - A system includes a network interface configured to communicate with a user device and a processing circuit. The processing circuit is configured to receive, via the network interface, a cookie identifier and a device identifier associated with the user device and identify a profile associated with at least one of the cookie identifier and the device identifier by searching a profile database with at least one of the cookie identifier and the device identifier. The processing circuit is further configured to generate an advertisement based on the profile and transmit the advertisement to the user device to be displayed. The processing circuit prompts a user of the user device to input user identification into a user identification prompt, receives user identification from the user device, and determines that the user identification is associated with the profile by matching the user identification with information stored in the profile. | 2022-02-17 |
20220051295 | Advertising Platform Transaction Management - A computer-implemented method includes generating, using a transaction management computing subsystem of an advertising platform, a set of primary bid requests responsive to receipt of an advertising call. Each primary bid request includes information sufficient to characterize an impression consumer and information sufficient to characterize each of one or more impressions identified in the advertising call. The method also includes sending the set of primary bid requests from the transaction management computing subsystem to a first set of decisioning computing subsystems of the advertising platform. Each decisioning computing subsystem of the first set being operable to generate a bid response based on the information included in a primary bid request. The method further includes selecting, using the transaction management computing subsystem, a first bid response from among the bid responses generated by the first set of decisioning computing subsystems; and taking, by the transaction management computing subsystem, an action on the first bid response. | 2022-02-17 |
20220051296 | PROPENSITY MODEL - Described are techniques including a method comprising generating customer profiles in a profile datastore and selecting a subset of the customer profiles for storing in a candidate profile datastore based on qualifier constraints in a qualifier model. The method further comprises scoring the subset of the customer profiles using a scoring algorithm and determining, for each of the subset of the customer profiles, a respective preferred communication channel. The method further comprises transmitting, in an order according to a rank based on the scoring, electronic communications to a subset of the customer profiles using the respective preferred communication channels. | 2022-02-17 |
20220051297 | ADVERTISING SYSTEM FOR A SMARTPHONE OR A TABLET - There is no advertising system, the advertising program or the advertising method to enable low-priced communication fee of a cell phone such as smartphone, or tablet. The present invention provides an advertising system having a server and using a terminal such as a smartphone or a tablet. In the system, the server includes a server communication unit that can communicate with the terminal, a server memory unit that stores information of the application installed in the terminal, an advertising unit that distributes an advertisement to the terminal, and a counting unit that counts the duration of time of the advertisement having been displayed or the points corresponding to the time, an advertising unit displaying the advertisement on the terminal before starting the application when the application is selected, and a counting unit that counts the duration of time of the displayed advertisement or the points corresponding to the time. | 2022-02-17 |
20220051298 | Systems and Methods for a Campaign Design Platform - A marketing campaign design system includes a graphical user interface that enables a user to define a custom event with respect to an audience. The custom event associates the audience with incoming custom event data. The system also includes a journey design module that enables the user to design a marketing campaign or portion thereof via drag-and-drop of one or more journey components. The journey components represent actions to be taken by a computerized marketing system in executing the marketing campaign or portion thereof. The graphical user interface also enables the user to link a marketing campaign or portion thereof to the audience, so as to activate one or more custom journey components, usable by the user to design the marketing campaign, the custom journey components referencing the custom event data. | 2022-02-17 |
20220051299 | Search Result Content Sequencing - Systems and methods for generating and receiving a sequenced listing of pieces of content are described. A request to search for assets may be received. A first listing of assets associated with the request may be received. Data representative of assets stored within an edge server associated with the user may be received. A first group of assets of the plurality of assets that are stored within the edge server based upon the received data representative of assets stored within the edge server and a second group of assets of the plurality of assets that are not stored within the edge server based upon the received data representative of assets stored within the edge server may be determined. A second listing of assets may be generated where the first group of assets is sequenced earlier in the second listing than the second group of assets. | 2022-02-17 |
20220051300 | EVALUATING AN ELECTRONIC DEVICE USING A WIRELESS CHARGER - Disclosed here are various embodiments to evaluate a device and present a price quote to the user by detecting a presence of a device in proximity to a wireless charger. The system can utilize a wireless charger to obtain information about the device while charging the device. The information can include the make of the device. The system can guide the user to navigate the device to provide additional information such as model, memory capacity, unique identifier, and carrier associated with the device. Based on the unique identifier, the system can determine whether device has been stolen. If the device has not been stolen, the system can determine a price based on information obtained from the device and can facilitate presenting the price to the user. If the user accepts the price, the system can facilitate purchase of the device. | 2022-02-17 |
20220051301 | EVALUATING AN ELECTRONIC DEVICE USING OPTICAL CHARACTER RECOGNITION - Disclosed herein are various embodiments of systems and methods for evaluating a device and presenting a price quote for the device by using an optical character recognition (OCR) system and/or other associated devices and systems. The system can utilize a wireless charger to obtain information about the device while charging the device. The information can include the make of the device. The system can guide the user to navigate the device to provide additional information such as model, memory capacity, unique identifier, and carrier associated with the device, which can be extracted from the device using OCR. Based on, e.g., the unique identifier, the system can determine whether the device has been stolen. If the device has not been stolen, the system can determine a price based on information obtained from the device and can present the price to the user. If the user accepts the price, the system can facilitate purchase of the device. | 2022-02-17 |
20220051302 | System and Method for Facilitating Funds Transfer - A computer implemented method includes scanning a code by a user device, the code identifying an organization donation page corresponding to the code, providing the code to a donation webpage server, wherein the server accesses the organization donation page corresponding to the code, receiving and displaying the donation page on the user device, receiving a selection of a donation amount at the user device, and transferring funds from a user account to an organization account in response to the received | 2022-02-17 |
20220051303 | COMMODITY DATA PROCESSING DEVICE AND CONTROL METHOD - According to one embodiment, a commodity data processing device identifies a purchaser who has visited a store. The commodity data processing device acquires order information on a commodity ordered by the purchaser. The commodity data processing device acquires purchase information related to a commodity purchased by the purchaser at the store. The commodity data processing device provides a service when a condition of the service is satisfied from the order information and the purchase information. | 2022-02-17 |
20220051304 | SYSTEM AND METHOD OF MATCHING A SELLER OF A VEHICLE TO A BUYER OF A VEHICLE - Systems, methods, and media for matching a seller of a vehicle with a buyer of a vehicle in a dealer-to-dealer transaction are described. Information indicative of a vehicle may be obtained from the seller of the vehicle. The vehicle may be matched with a buyer based at least in part on information associated with the buyer and information indicative of the vehicle. Bid offers may be presented to the seller on behalf of the buyer. When a vehicle price is agreed upon, a financial transaction and transportation of the vehicle may be facilitated by the matching system. | 2022-02-17 |
20220051305 | Trophy And Card Printing Kiosk Apparatus - A trophy and card printing kiosk apparatus for creating secure and customizable cards and trophies associated with digital games and other databases includes a kiosk body with a CPU coupled within the kiosk body. A touch screen, a display screen, a payment card reader, and a card printer are coupled to a body front side of the kiosk body and are in operational communication with the CPU. A data transceiver and a memory card are coupled within the kiosk body and are in operational communication with the CPU. The data transceiver sends and receives data with a data base and a smartphone app. A power source is coupled to the kiosk body and is in operational communication with the CPU. | 2022-02-17 |
20220051306 | IDENTIFYING CONNECTION ACCESSORIES FOR ELECTRICAL CABLES - This specification generally describes technology for identifying connection accessories for electrical cables. In some implementations, a system includes a product repository that includes electrical cable product data, the product data including, for each electrical cable represented in the product data, an electrical cable part number and various characteristic values for the electrical cable. An association data structure associates, for an electrical cable part number and a connection accessory type, connection accessories that are compatible for use with the electrical cable. A computing server is configured to handle requests for electrical cable and/or connection accessory information. User interfaces are provided to computing devices to facilitate information requests. | 2022-02-17 |
20220051307 | SYSTEM FOR AND METHOD OF PROVIDING ITEM RECOMMENDATION WITHIN A CURATION SERVICE-BASED FRAMEWORK - The present invention is directed to providing at least one item recommendation within a computer-implemented curation service-based framework. The item recommendations are curated for a subject client and are of at least one size that suits an item of interest of the subject client for which a plurality of sizes is available. The subject client belongs to at least one group of subject clients. The group of subject clients is part of a plurality of groups of subject clients. Such item recommendations are caused to be presented to the subject client based on client specified data or client preferred data, item properties data corresponding to the item of interest of the subject client, and expert judgement data associated with any one or more of approval, rejection, and modification data from an expert in the field under which said item of interest of the subject client falls. The client may also approve item one or more item recommendations based on relevant information presented to him or her via a client computing device. | 2022-02-17 |
20220051308 | CLOTHING RECOMMENDATION SYSTEM, CLOTHING RECOMMENDATION METHOD, AND CLOTHING RECOMMENDATION PROGRAM - A clothing recommendation system according to an embodiment includes at least one processor. The at least one processor is configured to: acquire a measured value of a body of a user; acquire additional information of the user other than the measured value; determine, based on a rule indicating a relationship between a measured value of a body of a person and a body type characteristic that is a characteristic of a body type of the person, the body type characteristic of the user from the acquired measured value; refer to a database storing clothing information indicating a correspondence relationship between clothing items and body type characteristics, and retrieve a clothing item corresponding to a clothing size of the user, the determined body type characteristic, and the acquired additional information; and output recommendation information indicating the retrieved clothing item. | 2022-02-17 |
20220051309 | NETWORK-BASED INVENTORY REPLENISHMENT - A network-based inventory replenishment application maintains and analyzes item transactions on a per-consumer basis. Specific item purchases are calculated as being in need of replenishment by a specific consumer on specific future dates or a specific range of future dates. The consumer is proactively informed and asked if such items should be ordered. The network-based inventory replenishment application engages the consumer for item replenishment and item order processing over a plurality of disparate communication channels. | 2022-02-17 |
20220051310 | Methods Using Electronic Shelf Labels To Improve Item Gathering In Store And Warehouse Systems - Various embodiments include store picker systems that include a store management entity server, user mobile device(s), electronic shelf labels (ESL), and access points, in which the system perform methods for supporting in-store product picking. Some embodiment may include receiving/sending location information indicating a location in a store of a user mobile device operated by a store picker; receiving/sending a shopping list of the user mobile device, determining an initial route to travel through the store for picking one or more products on the shopping list based on the location, and sending/receiving the initial route to travel through the store for picking the one or more products on the shopping list to the user mobile device and from the store management entity server. | 2022-02-17 |
20220051311 | LOCATION-BASED DATA TRACKING FOR DYNAMIC DATA PRESENTATION ON MOBILE DEVICES - There are provided systems and methods for location-based data tracking for dynamic data presentation on mobile devices. A user's device may be used to track user data for the user, including locations visited by the user and activities by the user at the locations. These may be correlated to likely behavior by the user at the location so that a predicted activity by the user at a location may be determined. Thus, when a user visits a location, the predicted activity of the user at the location may be determined. Using the predicted activity, application data for an application may be generated and may be dynamically presented through one or more interfaces of the user's device. This may be presented without user input at the location so that the user may quickly perform the activity through the user's device. | 2022-02-17 |
20220051312 | Method and System for Choosing Prosthetics Through Cross-Reference of Databases - A method and system of choosing a prosthetic liner using cross-references databases which informs a user using a specified interface. Specifically, the method comprises a user accessing a graphical interface wherein amputee attributes are entered in order of (1) level of amputation, (2) residual limb length, (3) activity level, (4) residual limb shape/volume, and (5) clinical conditions with corresponding attribute options. Alternatively, the chosen attributes are (1) class of amputation, (2) residual limb length, (3) body weight, (4) use of the prosthesis, (5) activity level, and 6) uneven paths for knee joints with corresponding attribute options. Alternatively, the chosen attributes are (1) level of amputation, (2) residual limb length, (3) body weight, (4) use of the prosthesis, (5) activity level, and 6) uneven paths for foot joints with corresponding attribute options. These amputee attributes are then cross-referenced against one another and compared to a second database containing liners that correspond to the amputee attributes selected thereby educating the user, generally a prosthetist, on the appropriate liner style for a particular amputee. | 2022-02-17 |
20220051313 | Online Auction Computer Network System - An online auction computer network system includes enhanced interactivity between users and an auctioneer. The system includes a webpage that shows a list of items to be auctioned, along with current bids on each item, the time remaining until the auction is over and bids will no longer be accepted. The computer server and processor may additionally provide a live stream audio and video feed of an auctioneer to the user computing device, as well as a chat box feature. The chat box feature allows users to communicate questions and comments solely to the auctioneer. Other users are prevented from viewing communications sent to the auctioneer through the chat box feature. The auctioneer may choose to answer the questions posed by the users through the chat box feature during his or her ongoing commentary. | 2022-02-17 |
20220051314 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING SYSTEM, MEMBER IDENTIFICATION METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM STORING PROGRAM - An information processing device, an information processing system, a member identification method, and a program capable of preventing a member that has created an anonymous electronic signature from being arbitrarily identified from this signature are provided. A disclosure device ( | 2022-02-17 |
20220051315 | SYSTEMS AND METHODS FOR ANALYZING DATA - Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual. | 2022-02-17 |
20220051316 | Credit-Based Installment Financing - The present disclosure involves systems, software, and computer implemented methods for providing credit card customers with an offer to finance large, unexpected, or general expenditures on a set installment plan associated with a fixed interest rate or fee. The rate or fee associated with the offer can be a flat one-time fee, a fixed interest rate, or a combination thereof. In some instances, a variable interest rate can be offered. In some instances, the fee can be an ongoing small or nominal fee added to each repayment over a period of time. | 2022-02-17 |
20220051317 | METHODS AND SYSTEMS FOR PROVIDING PERSONALIZED PURCHASING INFORMATION - A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user. | 2022-02-17 |
20220051318 | SUPPLY AND DEMAND MATCHING WITHIN AN EXCHANGE MARKET FOR ANTICIPATIVE DEMAND FROM EARLY SIGNALS - Example implementations involve a mechanism of distribution of products and services, which may have early signals of demand when such products are consumed by project based activities. By offering flexible demand and supply matching, an analytics engine platform predicts such demand, and constructs micro-contracts to match suppliers with project operators, anticipating their demand needs. The mechanisms can be applied to distribution of any kind of products or services in a supply chain which demand arises by planned projects. | 2022-02-17 |
20220051319 | SERVER FOR CREDIT MANAGEMENT - A server and a method for credit management is provided. The server stores registration information for a plurality of electric charging facility devices. The server further receives electric charging information recorded for a period of time, from each of the plurality of electric charging facility devices. The server further transmits the electric charging information received from each of the plurality of electric charging facility devices to an electronic device associated with an energy regulatory authority. The server further receives first credit information associated with each of the plurality of electric charging facility devices from the electronic device. The first credit information is calculated based on the electric charging information. The server further transmits the received first credit information to each of the plurality of electric charging facility devices. | 2022-02-17 |
20220051320 | METHOD AND SYSTEM FOR VALIDATING TRANSACTION SETTLEMENTS - A method and a system for validating a completeness and correctness of information required for a proposed transaction in order to facilitate a successful and timely settlement of the transaction is provided. The method includes: receiving a request for a proposed transaction that includes information that relates to the proposed transaction; and determining whether the information is sufficient for executing the proposed transaction and whether the information includes an error that would prevent a successful execution of the proposed transaction. The determinations regarding sufficiency and presence of errors may be made by applying one or more algorithms based on machine learning techniques. When the information is found to be insufficient or to include errors, proposed actions for remedying the problems are provided. | 2022-02-17 |
20220051321 | PRESENTING TRADING DATA - For presenting trading data, a method presents a market indicator for at least one trading unit as a dynamic display on price data. The method selects the market indicator through a single action of a user input device positioned over the market indicator. The method presents a technical indicator for the market indicator in real time. The technical indicator is summed across a plurality of time frames. | 2022-02-17 |
20220051322 | SYSTEM AND METHOD FOR CREATING AND MANAGING A DATA ATTRIBUTE CONDITION TRIGGER MATRIX - Systems and methods of the present disclosure include processors to receive at least one data attribute condition trigger selection having a matrix identifier, a condition identifier and data attributes. The processors generate data attribute condition trigger entries in a data attribute condition trigger matrix of the matrix identifier and store the data attribute condition trigger matrix in a matrix library. The processors employ the data attribute condition trigger matrix by receiving an electronic request, including a request type and a request identifier, and determining the data attribute condition trigger matrix in the matrix library associated with the electronic request by matching the request identifier to the matrix identifier. The processors automatically generate a request value for the electronic request by matching the request type to the condition identifier and applying the data attributes of the data attribute condition trigger entry associated with the condition identifier to the electronic request. | 2022-02-17 |
20220051323 | ISLAMIC FINANCIAL OPTIONS - The Islamic Financial Options are true financial instruments contracts, where one party sells the other specific assets at an agreed upon price, delivery of price and assets take place during an agreed upon timeframe, the financial instrument comes in two specific types, Call option and Put Option; each type has specially designed terms and conditions to function like financial options in the hands of the parties, while maintaining the compliance with the Islamic Sharea rules. Options are an essential risk management tool; conventional options are disallowed by the Islamic Sharea due to separating the ability to enforce selling or buying the underlying assets from the original sale contract, forming a derivative standalone contract which is traded as a financial instrument; the practice of separating specific rights from the original whole sale contract is noncompliant with the Islamic Sharea. | 2022-02-17 |
20220051324 | SYSTEM AND METHOD FOR ARRANGING AND PRESENTING INFORMATION IN A GRAPHICAL USER INTERFACE IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the arrangement and presentation of information in a graphical user interface during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. A liquidity score representative of a likelihood of successfully completing a transaction is determined and utilized to arrange information during the electronic communication session. | 2022-02-17 |
20220051325 | SYSTEM AND METHOD FOR ARRANGING AND PRESENTING INFORMATION IN A GRAPHICAL USER INTERFACE IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the arrangement and presentation of information in a graphical user interface during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. A cloud score representative of a likelihood of successfully completing a transaction is determined and utilized to arrange information during the electronic communication session. | 2022-02-17 |
20220051326 | FACILITATION OF DETERMINISTIC INTERACTION WITH A DYNAMICALLY CHANGING TRANSACTION PROCESSING ENVIRONMENT - The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g., futures contracts, are transacted or otherwise traded by a hardware matching processor that attempts to match electronic data transaction request messages with electronic data transaction request messages counter thereto for the same one of the data items based on multiple transaction parameters. A selected value is temporarily buffered allowing the represented value to update wherein a subsequently generated transaction may be based on the buffered value rather than an updated value. | 2022-02-17 |
20220051327 | SYSTEM AND METHOD FOR IMPLEMENTING AUTOMATIC PARTICIPATION IN AN ELECTRONIC COMMUNICATION SESSION PROVIDED BY COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the automatic participation of users during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. | 2022-02-17 |
20220051328 | SYSTEM AND METHOD FOR SELECTING A FINANCIAL INSTRUMENT TO TRADE BASED ON TRADING INTENTIONS OF A USER IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between trading intentions of the initiating user and trading data associated with the selected financial instrument. | 2022-02-17 |
20220051329 | SYSTEM AND METHOD FOR SELECTING A FINANCIAL INSTRUMENT TO TRADE BASED ON A MATCH BETWEEN A PREFERRED CHARACTERISTIC OF AN ISSUER OF THE FINANCIAL INSTRUMENT IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the characteristics of the issuer of the financial instruments and the characteristics preferred by the initiating user. | 2022-02-17 |
20220051330 | SYSTEM AND METHOD FOR SELECTING A FINANCIAL INSTRUMENT TO TRADE BASED ON A MATCH OF A RISK PROFILE IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the preferred yield risk profile of the initiating user and the risk profiles associated with the financial instruments that are available to be traded. | 2022-02-17 |
20220051331 | SYSTEM AND METHOD FOR SELECTING A FINANCIAL INSTRUMENT TO TRADE BASED ON A MATCH OF A RISK PROFILE IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the preferred yield risk profile of the initiating user and the plurality of attributes associated with the financial instruments that are available to be traded, wherein the plurality of attributes includes at least two of a set of yield attributes, a set of issuer attributes, and a set of underwriting attributes. | 2022-02-17 |
20220051332 | SYSTEM AND METHOD FOR DETERMINING A LIKELIHOOD OF SUCCESSFULLY TRADING A FINANCIAL INSTRUMENT IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to determining a likelihood of successfully trading a particular financial instrument between an initiating user and one or more invitee users and at various terms during an electronic communication session. The likelihood of successfully trading a particular financial instrument can be determined based on historical trading data of the particular financial instrument and/or financial instruments similar thereto, as well as trading intentions of the initiating user and/or one or more invitee users. | 2022-02-17 |
20220051333 | SYSTEM AND METHOD FOR IDENTIFYING BONDS SIMILAR TO PREVIOUSLY TRADED BONDS IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to determining a likelihood of successfully trading a particular bond between an initiating user and one or more invitee users and at various terms during an electronic communication session. The likelihood of successfully trading a particular bond can be determined based on historical trading data of bonds that are similar to bonds that were previously traded by the initiating user. | 2022-02-17 |
20220051334 | SYSTEM AND METHOD FOR IDENTIFYING PARTIES AND CONTROLLING COMMUNICATIONS IN COMPUTER PLATFORMS DESIGNED FOR IMPROVED ELECTRONIC EXECUTION OF ELECTRONIC TRANSACTIONS - Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to controlling communication of information during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. When a dealer with whom the initiating user has a relationship does not have a relationship with invitee users that may desire to trade for the security, a second dealer can be included in the electronic communication session, where the second dealer has a relationship with such invitee users. Various levels of participation are available for each user and correspond to what information each user is provided during the electronic communication session. | 2022-02-17 |
20220051335 | SYSTEMS AND METHODS FOR DYNAMIC DISPLAYS OF CURRENCY POOLING - The present disclosure relates to novel methods and systems for dynamically displaying currency trading activities. | 2022-02-17 |
20220051336 | INTERFACE FOR LANDFALL LOCATION OPTIONS - An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data representing a binary option based on whether a storm will make landfall within the certain radius. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory. | 2022-02-17 |
20220051337 | METHODS AND APPARATUS EMPLOYING HIERARCHICAL CONDITIONAL VALUE AT RISK TO MINIMIZE DOWNSIDE RISK OF A MULTI-ASSET CLASS PORTFOLIO AND IMPROVED GRAPHICAL USER INTERFACE - The traditional Markowitz mean-variance-optimization (MVO) framework that uses the standard deviation of the possible portfolio returns as a measure of risk does not accurately measure the risk of multi-asset class portfolios whose return distributions are non-Gaussian and asymmetric. A scenario-based conditional value-at-risk (CVaR) approach for minimizing the downside risk of a multi-asset class portfolio is addressed that uses Monte-Carlo simulations to generate the asset return scenarios. These return scenarios are incorporated into a modified Rockafellar-Uryasev based convex programming formulation to generate an optimized hedge. One example addresses hedging in an equity portfolio with options. Testing shows that a hierarchical CVaR approach generates portfolios with better predicted worst case loss, downside risk, standard deviation, and skew. | 2022-02-17 |
20220051338 | Enhanced Claims Damage Estimation Using Aggregate Display - Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations. | 2022-02-17 |
20220051339 | FINANCIAL INVESTMENT PRODUCT AND METHOD UTILIZING A REINSURANCE PLATFORM - The present invention creates a structure and system which reduces the expenses associated with selling, administering, and managing annuities. The present invention provides a well-managed set of TDFs that offer participants the opportunity, but not the obligation, to purchase an annuity at any time using all or a portion of a participant's plan account invested in the target date fund. This functionality permits participants to annuitize all or a portion of their account balance. The present invention further provides cheaper and easier access to annuity options than are otherwise available in the marketplace because no commissions will be paid to an insurance broker. The present invention provides to plan participants in longer-dated TDFs an investment opportunity in the reinsurer. The reinsurer investment of the present invention provides these TDFs, as well as the participants, to realize the potential benefit of longevity profits, which typically would inure to the insurance company providing the annuities. The invention provides a system for managing a financial investment product in a defined contribution plan in which a participant makes a contribution to the defined contribution plan on a regular periodic basis. | 2022-02-17 |
20220051340 | System and Method Using Crowd-Sourced Data to Evaluate Driver Performance - A driver monitoring system configured to monitor the performance of a driver of a first vehicle system communicating wirelessly with the driver monitoring system. The system comprises a vehicle database comprising a vehicle records associated with a plurality of vehicle systems and a vehicle server comprising a driver behavior module that receives from the first vehicle system first event data captured by a plurality of sensors. The first event data includes a first event time and a first event location. The server identifies a first driver behavior associated with the first event data. The server uses the first event time and the first event location to identify in the vehicle database a plurality of neighboring vehicles proximate the first vehicle system and determines from vehicle records an average value associated with the first driver behavior. | 2022-02-17 |
20220051341 | AGENT-FACILITATED CLAIMS DAMAGE ESTIMATION - Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item. | 2022-02-17 |
20220051342 | CONFIGURATION AND TRANSFER OF IMAGE DATA USING A MOBILE DEVICE - Aspects of the disclosures provide for configuring and transferring multiple data files including image data files using a mobile computing device. A mobile computing device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile computing device. The mobile computing device itself may also analyze the image files. | 2022-02-17 |
20220051343 | LIFE INSURANCE POLICY APPLICATION PROCESS AND SYSTEM - A method, system, and non-transitory computer-readable medium for facilitating insurance policy application processing over a communications network is disclosed. The system includes a processor configured for accepting input data from a customer, accepting further data from the insurance agent, creating a first data structure, encoding changes to the first data structure based on the input data and the further data, and populating the first data structure, generating ancillary documents and transmitting to the customer, creating a second data structure encoding changes to the second data structure based on the first data structure, and populating the second data structure, and transmitting, the second data structure to a third party to initiate transmission of a health questionnaire to the customer. The system further includes a first memory for storing the first data structure and a second memory for storing the second data structure. | 2022-02-17 |
20220051344 | Determining Climate Risk Using Artificial Intelligence - The disclosure includes a system and method for determining climate risk using artificial intelligence including receiving a location of a property from a user; obtaining property data associated with the property, wherein the property data includes image data of the property; determining, using a first climate risk model associated with a first climate risk, a first score associated with the property, the first scores representing a first climate risk to the property; and determining, using a second climate risk model, a second score associated with the property; presenting the first score representing the first climate risk to the property and the second score associated with the property to the user. | 2022-02-17 |
20220051345 | FLAG SYSTEM AND METHOD OF FLAGGING FOR REAL-TIME EXPENDITURES TRANSACTED ELECTRONICALLY - A method is provided for flagging an electronic transaction amount or a portion thereof as a potential tax deductible expense the method including receiving or otherwise acquiring an electronic transaction record at a mobile computing device, the computing device having network-access capability and connected to the communications network, the record displayed in a dedicated payment application executed on the computing device, assigning or otherwise confirming through a dedicated payment application on the computing device to a connected network server a payment account to debit to pay the transaction amount or portion thereof electronically, and inputting a response to an interactive prompt, pop up, or notification appearing in the dedicated payment application the input response requesting the network server to flag the transaction amount or portion thereof as a potential tax deductible expense. | 2022-02-17 |
20220051346 | METHOD FOR TRANSFER AND AGGREGATION OF ELECTRONIC RECEIPTS - A method for capturing and aggregating transactional receipts conducted at a point of sale terminal connected to a network includes (a) using a transaction device, submitting digital payment account data to the POS terminal, (b) reading the submitted data at the | 2022-02-17 |
20220051347 | METHOD FOR DISCLOSING MUTUAL FEELINGS AND USE THEREOF - Disclosed is a method for disclosing mutual feelings, including receiving, by a processing unit (PU), one or more data about a first user from a first user device associated with the first user; selecting, by the first user, a second user associated with the first user; selecting, by the first user, a first feeling, from a plurality of feelings, wherein the first feeling is indicative of how the first user feels toward the second user, and transmitting, by the PU, a first notification to a second user device associated with the second user, wherein the first notification is so transmitted that an identity of the first user is not revealed. | 2022-02-17 |
20220051348 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR CONNECTING DRIVERS IN A GIVEN RANGE - Methods, systems, and computer program products for linking computing devices of drivers within a given range are provided. The methods and systems may determine, by one or more computing devices, a group of user/drivers within a given range of an initiating user/driver and generate, by the one or more computing devices, data representing the user/drivers within the given range. The methods and systems may present on a computing device of the initiating user/driver the data representing user/drivers within the given range in a manner that a user/driver from the group of user/drivers is selectable by the initiating user/driver and can determine, by the computing device operated by the initiating user/driver, a selected user/driver that was selected by the first user. Further, the methods and systems may electronically link a computing device operated by the selected user/driver to the computing device operated by the initiating user/driver in a manner that the selected user/driver and the initiating user/driver are aware of an electronic link between the computing devices. | 2022-02-17 |