| 09th week of 2016 patent applcation highlights part 56 |
| Patent application number | Title | Published |
|---|
| 20160063427 | CREDIT ATTRIBUTION BASED ON MEASURED CONTRIBUTIONS OF MARKETING ACTIVITIES TO DEALS - A machine may be configured to attribute credit for a deal among items of marketing output that contributed to the deal. For example, the machine accesses deal data that describes a deal for a product or service between a provider and an entity to receive the product or service. The machine maps a deal identifier to a marketing campaign identifier based on the deal data. A marketing campaign may include items of marketing output that promote the product or service during marketing touches of the marketing campaign by one or more representatives of the entity. The machine identifies a time of a particular marketing touch and a marketing channel used to present an item of marketing output during the particular marketing touch. The machine computes a share of credit, for the deal based on the time and the marketing channel, that is attributable to the item of marketing output. | 2016-03-03 |
| 20160063428 | INTELLIGENT INFORMATION DELIVERY AND DIGITAL GOVERNANCE - An intelligent information delivery system facilitates dynamic interaction with the user's environment, and in certain environments may provide or support digital governance. The intelligent delivery system may make use of a distributed beacon network to accurately determine the user's location within an environment, which may then be leveraged to deliver relevant content to the user. The intelligent delivery system may also facilitate complex interactions between a user of the system and the user's environment. | 2016-03-03 |
| 20160063429 | APPARATUS AND METHOD FOR PERFORMING AN ITEM PICKING PROCESS - A method and system for performing an item picking process is provided. In operation, a computing device receives an indication of a known item to be picked. The computing device also receives a known set of signature information for the known item from a first information source. As well, data is received from a first module, at least a portion of the first module being wearable. A detected set of signature information for at least one item being picked up is detected based on the data received and item attributes are identified for the at least one item being picked up based on the known and the detected sets of signature information. | 2016-03-03 |
| 20160063430 | INTELLIGENT PART NUMBERING SYSTEM AND METHOD - A database design and associated support tools for storing Intelligent Part Numbering System (IPNS) metadata for the purpose of interfacing with information systems in a more efficient way, thereby reducing maintenance requirement and improving information technology (IT) searching options. Embodiments of the present invention are directed to a method, system, and computer-readable medium for storing one or more attributes of a part number family in a database as metadata. The method includes associating a part number code with each attribute in the database; receiving one or more user inputs, each user input indicating a selection of one of the attributes; determining the part number codes associated with each of the selected attributes; and generating a part number based on the part number codes associated with each of the selected attributes. | 2016-03-03 |
| 20160063431 | MANAGING REQUESTS FOR IN-PERSON TRANSACTIONS - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, are described that receive, from a device, a request to obtain an amount of physical items from an account, the account defining a total quantity of the physical items able to be obtained from the account, and the account being maintained across multiple locations at which the physical items are stored. The request is transmitted to at least one computer that manages inventory of the physical items for at least one of the multiple locations. Inventory availability information is received from the at least one computer that manages inventory of the physical items, including information regarding availability of the amount of physical items, and availability of a combination of differently-sized subunits of physical items that satisfy the requested amount. The inventory availability information is then transmitted to the device. | 2016-03-03 |
| 20160063432 | METHOD AND APPARATUS FOR MAKING CHANGES TO A QUANTITY FOR A TIME INTERVAL WITHIN A TIME SERIES - A method is described that involves providing a persisted quantity for a time series time interval to a first transaction, then, providing the same persisted quantity to a second transaction that operates in parallel with the first transaction. The second transaction is not permitted to change the persisted quantity. The method also involves replacing the persisted quantity with a second persisted quantity within the time series. The second persisted quantity is determined by the first transaction. The method also involves writing a persisted quantity change for the time series time interval. The persisted quantity change is determined by the second transaction. | 2016-03-03 |
| 20160063433 | SHIPMENT DATA LOGGER - A system and method for a shipment data logger are described. The shipment data logger receives shipping condition parameters and instructions and generates generate shipping handling data based on sensors in the shipment data logger. The shipment data logger is configured to provide authorized access to the shipping handling data. The shipping handling data is analyzed relative to the shipping condition parameters to generate a delivery recommendation. | 2016-03-03 |
| 20160063434 | APPARATUS AND METHOD FOR EARLY DETECTION OF ABNORMALITY - Disclosed are an apparatus and method for detecting an abnormality early. An apparatus for detecting the abnormality early includes a similar case selector configured to select similar cases associated with a monitored target from among previous case data, a data collector configured to collect status information of the monitored target, an abnormality detector configured to generate a baseline for detecting the abnormality of the monitored target from case data classified as normal among the previous case data and compare the baseline with the collected status information to detect whether the monitored target has the abnormality, and a predictor configured to, when it is detected that the monitored target has the abnormality, compare each of the selected similar cases with the collected status information to select an optimum similar case associated with the monitored target among the similar cases, and to predict a future situation development of the monitored target based on the optimum similar case. | 2016-03-03 |
| 20160063435 | SYSTEMS AND METHODS FOR FACILITATING SECURE ORDERING, PAYMENT AND DELIVERY OF GOODS OR SERVICES - Various embodiments are described that generally to a system and method for facilitating the secure order, payment and delivery of goods and/or services between various parties. The method may include receiving an order for goods or services at a management server; creating a waypoint for each address in the order; generating an identifier for each waypoint; transmitting the identifiers to a party associated with the waypoints; locating a courier to deliver the order; receiving identifier responses from the courier device at the waypoints, and matching the identifiers with the corresponding identifier responses to verify at least one of task completion and payment at the waypoints. | 2016-03-03 |
| 20160063436 | OPTIMAL BUNDLING OF ROUTES IN A COURIER MARKETPLACE - A first delivery job is received and placed into a queue to be auctioned to couriers after a first period of time that is determined based on first delivery constraints of the first job. A second delivery job is received before the first period of time expires. The second job is placed into the queue to be auctioned after a second period of time that is determined based on second delivery constraints of the second job if it is determined that the first and second jobs cannot be performed by a single courier within the delivery constraints of both jobs. The jobs are auctioned to couriers as a single item after a third period of time that is determined based on the delivery constraints of both jobs if the first and second jobs may be performed by a single courier within the delivery constraints of both jobs. | 2016-03-03 |
| 20160063437 | LOGISTICS MANAGEMENT SYSTEM WITH PRICING BASED ON LINKED TRANSPORTATION AND OTHER CHARGE CONTRACTS - Systems and methods for performing air waybill pricing may include selecting a first transportation contract to price the transportation of a carriage of goods for the air waybill, wherein the first transportation contract is linked to other charge contracts. Embodiments may also include determining an identifier associated with the first transportation contract that links the first transportation contract to the plurality of other charge contracts. The one or more other charge contracts associated with the same identifier associated with the first transportation contract may be identified, and a price for the carriage of goods may be calculated based at least in part on transportation charges specified in the first transportation contract and other charges specified in the identified one or more other charge contracts. Some embodiments may further include outputting an air waybill that is generated to include at least the calculated price for the carriage of goods. | 2016-03-03 |
| 20160063438 | Methods and Systems for Consolidating Shipments of Multiple Products to Consumers - Methods and systems are provided for consolidating a shipment of purchased products to a consumer. A consumer is initially registered to a consolidation account for consolidated shipping of the products. The consolidation account typically includes at least one predefined shipping criteria, used to determine when to ship the consolidated products. Upon purchasing various products from one or more merchants, the products are associated, at a computing device, with the consumer's consolidation account and are routed to a hold location. Then, at the hold location, the products are pooled together and, when the at least one predefined shipping criteria is achieved, the products are routed, as a single shipment, to the consumer. | 2016-03-03 |
| 20160063439 | SYSTEM COMPRISING PROVIDING MEANS FOR PROVIDING DATA TO A USER - The invention relates to a system comprising providing means for providing data, electing means for electing one or more parameters associated to said data, assessment means for assessing at least one characteristic of at least one of said elected parameter, and a lighting system for office rooms which comprises one or more light sources, the lighting system being capable of emitting light of different characteristic to the office room. The system is configured such that the characteristic of the light emitted to the office room is changed depending on the characteristic of the elected parameter. | 2016-03-03 |
| 20160063440 | METHOD AND SYSTEM FOR PROVIDING COLLABORATION SPACE - A system and a method are provided for providing a collaboration space over a digital network. The system has at least crowd sourcing, crowd funding, referral giving, skill sharing, and asset sharing functionalities. The system may further include gamification features. | 2016-03-03 |
| 20160063441 | JOB POSTER IDENTIFICATION - Techniques for determining that a member viewing a job posting has hiring authority are described. A determination module can identify a member viewing a job posting and access member data for the identified member. Additionally, the determination module can determine an entity associated with the job posting based on the accessed member data, and access job listing data for the determined entity. Moreover, the determination module can determine a score value based on the accessed member data and the accessed job listing data. The score value corresponds to a likelihood that the identified member has hiring authority for the job posting. Furthermore, an upsell module can upsell the job listing to the identified member based on the score value being higher than a predetermined threshold. | 2016-03-03 |
| 20160063442 | USING AN EMPLOYEE DATABASE WITH SOCIAL MEDIA CONNECTIONS TO CALCULATE JOB CANDIDATE REPUTATION SCORES - Systems for using social media sites in recruiting activities. Potential candidates for job openings are considered using computer-implemented analysis of an online social referral graph and a rule base. Content from one or more social data sources is retrieved and analyzed to identify potential candidates for a job opening. The potential candidate's social data comprises information used as a reputation score pertaining to the potential candidate and as a reputation score pertaining to the potential candidate's social connections. An employee database is cross referenced to find a match between employees and any of the potential candidate's social connections. A referral score based on an influence contribution measure, a clout contribution measure, a generosity contribution measure, an activity contribution measure, an impact contribution measure, or an engagement contribution measure is calculated. When the reputation score and/or the referral score meets or exceeds a threshold, the potential candidate is considered for outreach. | 2016-03-03 |
| 20160063443 | INTELLIGENT DISCOVERY OF QUALIFICATIONS OF A WEB BROWSING USER - Disclosed herein is a system and method relating to a listing service's listings, such as job listings of a recruitment service, targeted for a user using targeting information collected external to the listing service. A number of listings are identified for the user using the externally-collected targeting information and information obtained from the listing service including information about listings of the listing service. The user-targeted listing service listings are provided to the user outside the listing service's notifications, such as in a web page provided by a service other than the listing service. | 2016-03-03 |
| 20160063444 | CREATING RICH PROFILES OF USERS FROM WEB BROWSING INFORMATION - Disclosed herein is a system and method relating to a listing service's listings, such as job listings of a recruitment service, targeted for a user using targeting information collected external to the listing service. A number of listings are identified for the user using the externally-collected targeting information and information obtained from the listing service including information about listings of the listing service. The user-targeted listing service listings are provided to the user outside the listing service's notifications, such as in a web page provided by a service other than the listing service. | 2016-03-03 |
| 20160063445 | Method and System for Optimizing Retirement and Healthcare Benefits - A method is provided for optimizing healthcare and retirement benefits for an employee. The method includes receiving information about at least one medical insurance plan and at least one retirement savings account for which the employee is eligible and selecting for the employee a medical insurance plan from the at least one medical insurance plan. The method also includes determining a first amount for the employee to contribute on a pre-tax basis to at least one health care savings account. The first amount is at least equal to an estimated total of eligible expenses not covered by the medical insurance plan. The method further includes determining a second amount for the employee to contribute to the at least one retirement savings account. Selection of the medical insurance plan, the first amount and the second amount optimize the healthcare and retirement benefits for the employee. | 2016-03-03 |
| 20160063446 | System and Method for Inter-firm, Inter-office, Inter-company Billing and Financial Processing and Transfer Postings - The present invention consists of an improved System and Method for raising inter-frim invoices, processing transfers and postings. The system and method provides for raising invoices and processing transfers for processing directly between two entities, or through a plurality of entities all in one streamlined system. With this improved system and method, associated businesses or organizations may collect their cost sharing expenses across multiple entities seamlessly. Further, each entity may specify the frequency to receive invoices from other entities. With such an improved System, Inter-frim transfers and postings can be readily accomplished immediately, processing hundreds of thousands of time entries in less than one business day. | 2016-03-03 |
| 20160063447 | FILTERING CALENDAR NOTIFICATIONS - Techniques are disclosed relating to filtering calendar notifications. In one embodiment, a computing device retrieves event information from a calendar application of the computing device. The event information identifies a plurality of events for a user of the computing device. The computing device selects one or more of the plurality of events by applying a user-defined filtering rule to the event information. The computing device presents notifications for the selected one or more events on a display. In some embodiments, the event information identifies a plurality of invitees for one of the plurality of events, and the filtering rule specifies that a notification be presented for the event based on the plurality of invitees. | 2016-03-03 |
| 20160063448 | System and Method for Establishing an Open Communication Channel With an Advisor Via a Mobile Device - A system is provided for establishing an open communication channel between a client and an advisor. The system includes a client device, an advisor device, and a host device, all connected via a network. If the client interacts with a “talk” portion of a mobile web site, the host will attempt to authorize the request by determining whether the client has sufficient funds in their account to cover a communication with the advisor for a predetermined period of time, where the predetermined period of time is either set by the host, an administer, or the advisor. If the host device determines that sufficient funds are available, the host device then determines whether the advisor is currently available. If the advisor is currently available, then the host will provide a phone number to the client device and update the advisor's queue to reflect the instant communication. | 2016-03-03 |
| 20160063449 | METHOD AND SYSTEM FOR SCHEDULING A MEETING - A method is provided for scheduling a meeting. The method includes receiving a request from an organizer to schedule a meeting, executing a constraint satisfaction algorithm to determine at least one meeting data set comprising a value for at least one variable in a set of variables. The meeting data set defines at least one of a proposed time, room or participants for the meeting. Executing the constraint satisfaction algorithm involves performing a backtracking search within a solution domain to determine the meeting data set for the set of variables that satisfies a set of meeting constraints. If no meeting data set is determined, the set of variables and the solution domain can be revised. A next backtracking search can be performed to determine the meeting data set for the revised set of variables in the revised solution domain that satisfies one or more of the meeting constraints. | 2016-03-03 |
| 20160063450 | Systems and Methods for Task Countdowns for Specified Tasks - A method of task management executes at a computing device having one or more processors and memory. The memory stores one or more programs configured for execution by the one or more processors. A user interface for a messaging application is displayed. The interface comprises an electronic message list panel comprising a plurality of listed objects. At least one such listed object represents (i) one or more electronic messages or (ii) a task. A task description is obtained. In some instances this task description is received from the user through the user interface. In some instances this task description is obtained from an object in the plurality of listed objects. An event within the task description is identified. An event date for the event is identified. The plurality of objects is updated to include an object that provides a representation of the event date and the task. | 2016-03-03 |
| 20160063451 | Systems and Methods for Biasing Task Assistance Auto-complete Suggestions - A method of task management executes at a computing device having one or more processors and memory. The memory stores one or more programs configured for execution by the one or more processors. The method includes receiving, from a user, a task description corresponding to an electronic message. The method further includes identifying, based on the task description, a task template from among a plurality of predefined task templates. The identified task template includes one or more task parameters. The method further includes determining values for the one or more task parameters based on contents of the electronic message. The method further includes presenting, to the user for user selection, a set of options for completing a task corresponding to the received task description. At least a first subset of the options in the set of options is based upon the one or more first task parameters. | 2016-03-03 |
| 20160063452 | Systems and Methods for Task Assistance - A method of task management executes at a computing device having one or more processors and memory. The memory stores one or more programs configured for execution by the one or more processors. There is received a description of a task associated with a user. Upon receipt of the description of the task, one or more entities associated with the task are identified using at least the description of the task and geographic information about the user. Information is identified for performing the task with the at least one respective entity in the one or more entities based upon an identity of the entity. This identified information for performing the task is then formatted for use by the user. | 2016-03-03 |
| 20160063453 | information system and method for processing information, in particular for assisting work in a motor vehicle repair shop - An information system, in particular for a motor vehicle repair shop, includes at least one input unit to input data, in particular data about a motor vehicle to be repaired; a data management and/or data processing unit to store, managing and/or processing the inputted data; and at least one terminal to retrieve, reproduce and process the inputted data and/or for inputting additional data and transfer these data to the data management and/or data processing unit. | 2016-03-03 |
| 20160063454 | PAYMENT INSTRUMENT VALIDATION AND PROCESSING - Embodiments of the present invention provide apparatuses and methods that help validate and process payment instruments for different products, such as but not limited to credit card payments, mortgage payments, or any other type of payment. The payment amount from a payment instrument may be determined from a multiple locations on the payment instrument. In addition, a payment amount may be determined from a remittance document that accompanies the payment instrument, such as a remittance coupon that is mailed along with a check. The amount in the remittance courtesy box, the minimum amount due, the last payment made, and the full balance remaining may all be captured and used to validate the amount on the payment instrument. Moreover, one or more confidence scores for the amounts on the payment instrument and remittance document may be used to validate the payment amount. | 2016-03-03 |
| 20160063455 | SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase. | 2016-03-03 |
| 20160063456 | Methods and Apparatuses for Point of Use Consumption of Renewable Energy Credits - The present invention provides methods and apparatuses that can establish a correspondence between individual energy consumption and renewable energy resources. The invention can described as comprising two elements combined into an independently verifiable system: (1) a suitably accurate means of tracking or otherwise determining the power consumption of a device or devices of interest; and (2) a third-party auditable, renewable energy credit tracking system that matches (whole or fractional) renewable energy credits to the power consumed by the device or devices. The inventions are described herein in the context of various example embodiments. | 2016-03-03 |
| 20160063457 | Method and Apparatus of Obtaining Location Information - A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device. | 2016-03-03 |
| 20160063458 | Methods and systems to improve compliance in wellness programs for the chronically ill - This is a method and system by which monetary incentives may be used to motivate compliance to a wellness program that targets management of chronic illnesses. This invention provides administrators of wellness programs with methods and systems for refunding wellness program participant health insurance co-payments and payments made according to a health insurance deductible according to two distinct criteria: (1) how much effort the wellness program participant has invested in complying with the wellness program and (2) how successful the wellness program participant is in complying with the wellness program. By adjusting the size of the refund portions and the time intervals between the refunds, an administrator of a wellness program can achieve an optimal and rational method and system for motivating individuals with chronic illnesses to comply with the objectives of a wellness program. Moreover, this method and system of monetary incentives targets only those wellness program participants that invest in complying with the objectives of a wellness program. | 2016-03-03 |
| 20160063459 | System and Method for Mobile Payments in a Vehicle - A payment server configured to share payments among occupants of a vehicle. The payment server receives a payment request comprising a payment amount and a vehicle identification, accesses a database record associated with the vehicle identification, the record including an identification and seat position of each vehicle occupant as determined from a mobile device of each occupant, and identifies the vehicle driver. The server transmits to an in-vehicle infotainment (IVI) system a first billing message associated with the payment request, the IVI system displaying the first billing message on a screen of an IVI head unit. The first billing message offers the driver an option to share the payment amount with a second occupant of the vehicle. | 2016-03-03 |
| 20160063460 | PAYMENT INSTRUMENT VALIDATION AND PROCESSING - Embodiments of the present invention provide apparatuses and methods that help validate and process payment instruments for different products, such as but not limited to credit card payments, mortgage payments, or any other type of payment. The payment amount from a payment instrument may be determined from a multiple locations on the payment instrument. In addition, a payment amount may be determined from a remittance document that accompanies the payment instrument, such as a remittance coupon that is mailed along with a check. The amount in the remittance courtesy box, the minimum amount due, the last payment made, and the full balance remaining may all be captured and used to validate the amount on the payment instrument. Moreover, one or more confidence scores for the amounts on the payment instrument and remittance document may be used to validate the payment amount. | 2016-03-03 |
| 20160063461 | Applied Essentia Dunning - Dunning a debtor according to an essentia instance of the debtor. Debtor data of the debtor is received from a creditor. The debtor is mapped to an essentia to create an essentia instance for the debtor based on debtor characteristic variables identified by the debtor data and essentia characteristic variables identified by essentia data. Essentia specific dunning decisions corresponding to the essentia to apply when dunning the debtor are determined. The debtor is dunned according to the essentia specific dunning decisions. | 2016-03-03 |
| 20160063462 | SECURITY DEVICE KEY MANAGEMENT - A method includes using a cryptographic infrastructure via a security processor in a device to communicate with a host, and managing, via the security processor, a cryptographic relationship with a security peripheral coupled to the security processor independent of the cryptographic infrastructure used to communicate with the host. | 2016-03-03 |
| 20160063463 | PAYMENT AUTHORIZATION SYSTEM - Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request. In some cases, prior to authorizing the merchant virtual storefront transaction request, the payment authorization device requests approval from a third-party approver. | 2016-03-03 |
| 20160063464 | METHOD OF PROVIDING WEB CONTENT TO CONSUMERS - A method of distributing web content includes providing a website accessible to web content providers and consumers. The method further includes registering at least one content provider. The method further includes querying the at least one content provider for content. The method further includes querying the at least one content provider for a desired fee for the content. The method further includes registering a consumer via software executing on a computer. The method further includes displaying a representation of the content and the fee to the consumer on the website via software executing on a computer. The method further includes providing the content to the consumer in response to a request from the consumer. The method further includes collecting the fee from the consumer via software executing on a computer. The method further includes providing a portion of the fee to the content provider that provided the content. | 2016-03-03 |
| 20160063465 | TASK-BASED PAYMENT FOR CONTENT - Methods and systems of paying for content, such as, for example, audio and/or video content, are presented. In an example method, a task to be executed using at least one device resource associated with a user device is provided. Also, the task is to be executed during streaming of a content item. The streaming of the content item to the user device is caused to terminate in response to a determination that the execution of the task using the at least one device resource has been terminated. | 2016-03-03 |
| 20160063466 | DYNAMIC DIGITAL CERTIFICATE UPDATING - Providing backup digital certificates comprises an application provider, such as a digital wallet system, that obtains signed digital certificates from a certificate authority. The digital wallet system provides an application, such as a digital wallet application, to a user computing devise along with a primary digital certificate and a backup digital certificate. The user computing device utilizes the primary digital certificate to ensure a secure connection with the digital wallet system. If the primary digital certificate is compromised, the digital wallet system may communicate the backup digital certificate to the digital wallet system when a subsequent secure connection is requested. The user computing device may access the backup digital certificate and verify the provided digital certificate. The digital wallet system provides a new backup digital certificate to the user computing device, and the user computing device deletes the compromised digital certificate. | 2016-03-03 |
| 20160063467 | METHOD AND APPARATUS FOR MONEY TRANSFER - A staged bill payment transaction method comprises receiving transaction information, building a staging record at a data center, and providing a retrieval key or code. The staging record comprises the transaction information and the retrieval key or code identifies the staging record for finalizing the transaction. | 2016-03-03 |
| 20160063468 | TRANSACTION TERMINAL DEVICE - When settlement terminal device performs a settlement process with a settlement destination device (for example, an acquirer or a settlement processor), settlement terminal device displays a screen regarding the settlement process on display unit of touch panel and detects an input operation of important key input reception icon displayed on display unit. CPU determines whether an input operation with respect to this important key input reception icon, that is, an operation for selecting important key input reception icon and dragging and dropping important key input reception icon to YES icon has been performed. When a drag and drop operation of important key input reception icon is detected, CPU executes content of the input operation with respect to important key input reception icon, and transmits a settlement processing request to the settlement destination device. Settlement terminal device facilitates the operator being conscious of an operation with respect to a specific target. | 2016-03-03 |
| 20160063469 | Systems for Collecting Retailer-Specific Data - A purchaser can provide retailer-specific feedback using a retailer-specific machine executable code printed on a transaction document at a retailer. In an embodiment, a system may include a server subsystem and at least one point-of-sale (POS) subsystem. The POS subsystem may include a processor module configured to provide instruction to a printing terminal for printing, at the respective retailer, a retailer-specific machine readable code on a transaction document associated with a purchase order. The retailer-specific machine readable code may include a decodable instruction for interacting with a server module of the server subsystem to access an electronic platform configured to provide a respective retailer-specific request for information. | 2016-03-03 |
| 20160063470 | PAYMENT PROCESSING SYSTEM FOR USE IN A RETAIL ENVIRONMENT HAVING SEGMENTED ARCHITECTURE - A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data. | 2016-03-03 |
| 20160063471 | METHODS AND A SYSTEM FOR PASSIVE AUTHENTICATION - Resource attributes for resources are continuously and regularly collected from hardware and software resources of one or more devices. The resource attributes are continuously fed to one or more confidence calculators. At any given point in time, a single confidence value is provided to an authentication for making a decision as to whether to authenticate a user for access to a particular resource. | 2016-03-03 |
| 20160063472 | INFORMATION PROCESSING METHOD AND RECORDING SYSTEM - A recording device transmits attribute information. A management device receives the attribute information transmitted by the recording device, and sends environmental settings information stored relationally to the attribute information to the recording device. The recording device receives the environmental settings information sent by the management device, configures environmental settings based on the environmental settings information, and sends a configuration completion report indicating configuration was completed to the management device when configuration is completed. The management device receives the configuration completion report sent by the recording device, and stores the environmental settings information sent to the recording device relationally to the identification information of the recording device. | 2016-03-03 |
| 20160063473 | METHOD AND SYSTEM FOR PROCESSING FOOD ORDERS - A method for food order processing includes: determining a user's current location; determining a food preparation premise based on the user's current location; displaying dishes associated with the food preparation premise and allowing the user to make a selection from the dishes; allowing the user to place an order based on the selection; determining whether the order is associated with a table ID; and processing payment associated with the order. If the order is determined to be not associated with a table ID, the method further includes matching a table ID with the order. A system for food order processing is also provided. | 2016-03-03 |
| 20160063474 | Wearable Electronic Devices and Mobile Transactions and/or Actions - Systems and methods for conducting mobile transactions and/or actions on electronic wearable devices are disclosed. The electronic wearable device comprises a wearable and a base device. The wearable comprises connective hardware components and associated firmware and software for connecting the base device. The wearable comprises a dedicated communication component and at least one dedicated activatable component. The dedicated communication component establishes communication between the electronic wearable device and an application server. The at least one activatable component is operable to be activated for transactions and/or actions for at least one good or service. | 2016-03-03 |
| 20160063475 | Facilitating Transactions Between Buyers And Sellers - A method includes receiving, at a computing device, transaction information from a buyer and sending, from the computing device, the transaction information over a communication network to a seller. The method further includes receiving, at least periodically at the computing device, a geographical location of the buyer, and sending, from the computing device, the geographical location of the buyer to the seller when the buyer is within a threshold distance of the seller. The method also includes accumulating information about the buyer and their location at a specific store or business. The method may include data analysis of buyer visiting similar businesses. | 2016-03-03 |
| 20160063476 | SYSTEM AND METHOD FOR PROVIDING A BLUETOOTH LOW ENERGY MOBILE PAYMENT SYSTEM - A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal. | 2016-03-03 |
| 20160063477 | PROXIMITY-BASED TRANSACTION DEVICE SELECTION - Various embodiments herein each include at least one of systems, methods, software, and devices for proximity-based transaction device selection. One embodiment in the form of a method performed on a mobile device includes receiving a positioning signal and identifying a terminal associated with the positioning signal. An instruction may then be transmitted to the identified terminal via a wireless data communication device of the mobile device. | 2016-03-03 |
| 20160063478 | METHODS AND SYSTEMS FOR DISPLAYING ACCOUNT INFORMATION - Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation. | 2016-03-03 |
| 20160063479 | TRANSFER INFORMATION PROCESSING METHOD AND DEVICE - A transfer information processing method and device includes a first terminal device that sends a transfer request to a payment server, where the transfer request includes a first session identifier used to identify first account information with which login is performed at the first terminal device. The first terminal device receives second account information sent according to the transfer request by the payment server, where the second account information is account information that is determined by the payment server according to the second session identifier after the payment server receives a payee account prompt message sent by a second terminal device and that includes a second session identifier. The first terminal device sends a transfer confirmation request to the payment server according to the second account information. | 2016-03-03 |
| 20160063480 | METHODS AND ARRANGEMENTS TO COMPLETE ONLINE TRANSACTIONS - Logic to perform a point of sale (POS) transaction as Card Present. Logic may communicate with a web site of an online vendor to process a payment to the online vendor as a certified POS device. Logic may communicate with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site. Logic may interact with a card reader to obtain a packet to process the payment with a payment instrument to verify the presence of the payment instrument. Logic may encrypt communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the certified POS device, the authorization request to comprise the packet to verify that the payment instrument is present for the transaction. And logic may receive an approval of the authorization request for the payment. | 2016-03-03 |
| 20160063481 | System and Method of Electronic Authentication at a Computer Initiated Via Mobile - A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present, regardless of whether the accountholder is a customer of the financial institution that owns the ATM. | 2016-03-03 |
| 20160063482 | SYSTEMS AND METHODS FOR FAST MOBILE PAYMENT - A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation. | 2016-03-03 |
| 20160063483 | MERCHANT CARD EXCHANGE FACILITATOR SYSTEM - Systems and methods are provided for managing authorization and device configuration to facilitate the usage, sale and transfer of merchant cards in various manners that enable one or more authorized users to store information representative of one or more of such merchant cards in a user-specific mobile electronic wallet. | 2016-03-03 |
| 20160063484 | AUGMENTED REALITY CARD ACTIVATION - Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service. | 2016-03-03 |
| 20160063485 | COMPONENTS FOR ENHANCING OR AUGMENTING WEARABLE ACCESSORIES BY ADDING ELECTRONICS THERETO - A system and device for adding electronics to materials of a wallet to form a smart wallet. A smart wallet stows and retrieves information stored or displayed on various transaction cards and other information typically carried within the wallet. Electronic and physical features of a smart wallet include devices and techniques for attaching electronics to accessories, and also for attaching accessories, to primary devices to form a smart wallet. The user can then interact with the smart wallet and its cards, information and accessories using an interface that governs that interaction while retaining the security of the information. Mechanical features include techniques for integrating electronics within materials to add electronic functionality to make any device a smart wallet. Several accessory styles and devices for attaching same to electronics are also disclosed. | 2016-03-03 |
| 20160063486 | Wallet Service Enrollment Platform Apparatuses, Methods and Systems - The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet. | 2016-03-03 |
| 20160063487 | SYSTEM AND METHOD FOR DOUBLE BLIND AUTHENTICATION - A system and method a method for providing a double blind payment by virtually authorizing a transaction using an additional Funding Personal Account Number (FPAN). The method may include generating, by an issuing entity, an additional FPAN (e.g., FPAN2, FPAN3, etc.) that is tied to a primary account for a customer and independent from the number printed on the face of the transaction card associated with the master account. The additional FPAN may be associated with a specific merchant, a specific type of payment (e.g., online purchase, in-store purchase, and the like), and/or a specific account holder (e.g., master account holder, subsidiary account holder, and the like). The method may include receiving, at a merchant point-of-sale (PoS) system, the additional FPAN token, transmitting the additional FPAN token to the authorizing party, converting the additional FPAN token to the primary account number associated with the transaction card for authorization and approval of the charges, and transmitting, from the authorizing party to the merchant, the approval and authentication determination and additional FPAN number associated with the approval and authentication determination. | 2016-03-03 |
| 20160063488 | Liquidation system for cash and fixed-asset donations - A system and method of processing, within a single procedure, cash equivalents and fix assets from any disposition class. The method includes identifying the benefactor and asset to be donation. Once identified, the asset is classified into one of three disposition classes. The disposition classes are used to determine the value for valuing. Once the value is determined, an impact statement is generated. Depending on the disposition class, the item is either converted to funds directly or through an intermediary. Once the item is converted to funds, the funds are transferred to the identified benefactor. | 2016-03-03 |
| 20160063489 | TECHNIQUES FOR PROVIDING VOUCHERS - Techniques for providing vouchers to customers which automates voucher delivery and frees up agent time that would otherwise be spent interacting with customers to manually complete voucher forms. An example method includes determining eligibility of a customer to receive a voucher by a self-service computer, determining an amount of the voucher by the self-service computer, storing the amount in a payment card by the self-service computer, and dispensing the payment card to the customer by the self-service computer. | 2016-03-03 |
| 20160063490 | MOBILE-MERCHANT PROXIMITY SOLUTION FOR FINANCIAL TRANSACTIONS - In order to facilitate conducting a financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as another smartphone), a secure element in the electronic device may generate, using an encryption key associated with the secure element, a signed blob based on a transaction amount and a merchant identifier. Then, the electronic device communicates connection information between the electronic device and the other electronic device. Moreover, the electronic device may establish a connection between the electronic device and the other electronic device based on the connection information, and may concurrently provide the signed blob to the other electronic device. After receiving a signed transaction blob from the other electronic device using the connection (which includes information needed to conduct the financial transaction), the electronic device provides the information to a server to conduct the financial transaction. | 2016-03-03 |
| 20160063491 | SECURE ONLINE TRANSACTIONS USING A TRUSTED DIGITAL IDENTITY - Techniques for conducting secure online transactions are provided. Some techniques utilize a trusted, secure device that is distributed to a human user, and which only the user can access, a device reader, and a one-time secret valid only to authenticate a single transaction to improve on the traditional transaction model by isolating elements of the transaction with the user on the user's trusted, secure device. Isolating elements of the transaction on the trusted, secure device facilitates a secure transaction on an untrusted machine and over an untrusted network. | 2016-03-03 |
| 20160063492 | METHODS AND SYSTEM FOR PASSIVE AUTHENTICATION THROUGH USER ATTRIBUTES - Data is automatically collected; the data relevant to user attributes. That data is provided as factors for passive authenticating the user for access to a device and/or a resource. In an embodiment, the data is used to establish a profile or a pattern for the user. | 2016-03-03 |
| 20160063493 | SYSTEM AND METHOD FOR PERFORMING PAYMENT AUTHORIZATION VERIFICATION USING GEOLOCATION DATA - A computer implemented system and method for estimating and verifying a characteristic of a billing address of a payment card including receiving mobile phone and payment card number data from a cardholder. Geolocation data associated with the mobile phone is collected at a predetermined time after cardholder permission to access such data has been granted. Once received, a characteristic of an address associated with the geolocation data is estimated and submitted along with the payment card number to an address verification system for verifying the validity of the characteristic of the address. | 2016-03-03 |
| 20160063494 | BEFORE-THE-FACT BUDGETING - A method, system, and computer readable medium to improve spending budget control based on purchase characteristic dependent payment rules. In one or more embodiments, the payment rules are implemented by a payment service that uses payment credentials specified in the payment rules to complete a purchase transaction while meeting the spending budget specified by the consumer. | 2016-03-03 |
| 20160063495 | Method for Issuing an Assertion of Location - A method provides a location assertion for a transaction device that has requested, from a server and via a communication network, acceptance of a financial transaction involving the use of banking information. The method includes: receiving a transaction request from the transaction device, including at least one user identifier with which the banking information is associated; a obtaining an IP address associated with the transaction device; determining a current location associated with the IP address; comparing the current location to at least one authorized location on the basis of the identifier of the user; and providing a location assertion to an entity when the comparison step yields a positive result. | 2016-03-03 |
| 20160063496 | Remote Secure Transactions - Embodiments of the disclosure can provide systems, methods, and apparatus for remote secure transactions. In one embodiment, a payment processing system can be provided, which can include a network interface communicating with a memory, the memory communicating with a processor for executing payments, and the processor, when executing a computer program, performing operations. The operations can include storing, by the processor and to a memory associated with the payment processing system, account information associated with the consumer mobile system, and receiving, by the processor and from a consumer mobile device, a request, wherein the request comprises an account identifier associated with the consumer mobile device. The operations can also include validating, by the processor and from a consumer mobile device, the consumer mobile device based at least in part on the account identifier, and sending, by the processor, payment processing data, based on the validation. | 2016-03-03 |
| 20160063497 | PREPAID EXPENSE CARD MANAGEMENT PLATFORM - A method and system for issuing and managing sponsor funded stored value cards, where a sponsor company funds an account associated with a stored value card. The stored value card is issued to a cardholder, who can withdraw funds from the account constrained through flexible spend rules. Sponsor funded stored value cards may reduce expenses and difficulties associated with written checks, provide the cardholder with usage flexibility, reduce risks associated with cardholder funds usage, and the like, especially when the cardholder is in a remote location. | 2016-03-03 |
| 20160063498 | Payment Implementation Method, Relevant Apparatus, and System - A computer server receives a payment request including a payment order sent by a first mobile client device. In response, the computer server allocates a first payment identifier to the payment order and returns a response including the first payment identifier to the first mobile client device. The first mobile client device generates an audio signal associated with the response and broadcasts the audio signal including the first payment identifier. The computer server receives a collection request including a second payment identifier and payee information from a second mobile client device. The collection request was generated by the second device in response to a detection of the audio signal broadcasted by the first mobile client device. If the second payment identifier corresponds to the first payment identifier, the computer server then processes the payment order using the payee information and sends a payment completion message to the first device. | 2016-03-03 |
| 20160063499 | SERVER AND POINT-OF-SALE TERMINAL CONFIGURED FOR HIGHER THROUGHPUT PROCESSING OF RETURNED MERCHANDISE - A server includes a communication interface through which the server communicates with a mobile computing device of a user, a storage unit storing transaction data of a product purchased by the user, and a control unit. The control unit is configured to control the communication unit to transmit, to the mobile computing device, the transaction data and a link for retrieving a code symbol of the product, and in response to an operation of the link on the mobile computing device, transmit to the mobile computing device image data of the code symbol, such that the code symbol is displayed on a display unit of the mobile computing device. | 2016-03-03 |
| 20160063500 | ENHANCED AUTOMATED ACCEPTANCE OF PAYMENT TRANSACTIONS THAT HAVE BEEN FLAGGED FOR HUMAN REVIEW BY AN ANTI-FRAUD SYSTEM - An authentication system for electronic transactions occurring over a computerized network is provided that includes: (a) a transaction authentication system interface operatively coupled to the computerized network for receiving proposed transactions information over the computerized network; and (b) a transaction authentication tool, operatively coupled to the transaction authentication system interface, where the tool includes: an automated anti-fraud analysis component for analyzing transactions information from a plurality of proposed transactions and automatically rejecting a first subset of proposed transactions according to automatic rejection criteria and automatically assigning a second subset of transactions for additional review; and an automated acceptance component for analyzing the second subset of transactions and accepting a third subset of transactions from the second subset based upon automatic accepting criteria. | 2016-03-03 |
| 20160063501 | SYSTEM FOR DETECTING BANKING FRAUDS BY EXAMPLES - A computer system for detecting banking frauds in historical data and future transactions from a user supplied specimen set of fraudulent transactions can include: a user console that receives a type of fraud and a plurality of known fraudulent banking transactions associated with the type of fraud from the user; a first set of clue detectors operating on the plurality of known fraudulent banking transactions from the user; a clue detector archive that stores a second set of clue detectors, wherein each of the stored second set of clue detectors has a score that exceeds a threshold value for each clue detector; and a backpropagation neural network that calculates a weight for the stored second set of clue detectors using a learning scheme, wherein a fraud scenario is created based on the stored second set of clue detectors and corresponding weights. | 2016-03-03 |
| 20160063502 | METHOD FOR IMPROVING OPERATING PROFITS WITH BETTER AUTOMATED DECISION MAKING WITH ARTIFICIAL INTELLIGENCE - A business method to reverse an authorization request denial made according to general guidelines if the particular customer and the particular transaction pass various threshold tests. Alternatively, each customer is assigned different and independent personal thresholds for transaction types, amounts, times, locations, and context. These thresholds are then applied if an instant payment transaction request is about to be declined. | 2016-03-03 |
| 20160063503 | METHODS AND A SYSTEM FOR CONTINUOUS AUTOMATED AUTHENTICATION - Sensors provide sensor data continuously from a device. The sensor data is continuously processed as factors to generate a confidence value for authentication. The confidence value is compared to a predetermined threshold value or predetermined range of values to determine whether a user is to be authenticated for access to one or more of: a device, a resource, and a transaction operation for a transaction. | 2016-03-03 |
| 20160063504 | METHOD AND SYSTEM FOR IMPLEMENTING BIOMETRIC AUTHENTICATED TRANSACTIONS - Disclosed is a method and system for implementing biometric authenticated transactions for sale and purchase of various services or products. The system includes a computing device having a user interface for selecting at least one service or product required by the user, a biometric reader capable of capturing and sending biometric information of the user and a server which is adapted to communicate with the biometric reader through the at least one computing device. The server includes a biometric information database and a matching module which is adapted to receive the biometric information of the user and authorize the transaction based on result of matching of the biometric information of the user with the information stored in the database. | 2016-03-03 |
| 20160063505 | NATURAL LANGUAGE PROCESSING (NLP) OF FOLLOW UP TO A SCHEDULED EVENT IN A CUSTOMER RELATIONSHIP MANAGEMENT (CRM) SYSTEM - The present invention provides for natural language processing (NLP) follow up to a meeting in a calendaring and scheduling (C&S) component of a customer relationship management (CRM) system. A method for NLP follow up to a meeting in a C&S component of a CRM system includes scheduling a meeting from an end user in a C&S component of a CRM system. The method also includes loading a document of the end user such as an e-mail message or speech recognized text, and extracting a context for the document. The method yet further includes matching the context to the scheduled meeting and performing NLP on at least a portion of the document to produce data pertaining to at least one CRM object in the CRM system associated with the scheduled meeting. Finally, the method includes updating the CRM object with the produced data. | 2016-03-03 |
| 20160063506 | CUSTOMER RELATIONSHIP MANAGEMENT (CRM) COMPUTER PROGRAM USER INTERFACE ADAPTATION BASED UPON SALES INTERACTION EVALUATION - Embodiments of the invention include adapting a CRM user interface responsive to an analysis of CRM interactions data. In a method of the invention, different organizational representatives assign different qualitative values to correspondingly different interactions with one or more customers registered with the CRM system. Selected ones of the interactions are associated with resulting stages of a sales cycle for the corresponding customers and an elapsed time between the stages of the sales cycle is computed for the corresponding customers resulting from corresponding ones of the interactions. A particular stage of the sales cycle is selected for a particular customer and a specific interaction to be performed is determined based upon a computed fastest elapsed time for other customers at the particular stage. Finally, a user interface to the CRM system is updated to promote the specific interaction and to present the qualitative value assigned to the specific interaction. | 2016-03-03 |
| 20160063507 | METHOD, SYSTEM AND PROGRAM PRODUCT FOR PRODUCT AND SERVICE REGISTRATIONS - A method, system and program product comprise capturing a product identifier for a product obtained by a user. The product identifier is compiled by a cloud based server system as instructed by a one of a plurality business users of a plurality of different businesses. Extracted information from the product identifier at least comprises a code which uniquely identifies the product and a network address for establishing a communication with the cloud based server system. Personal information is obtained from the user. A communication is established with the cloud based server system using the network address. The code and the personal information is communicated to the cloud based server system. The cloud based server system transmits the code and the personal information to a support center of a business of the business user to use in a registration of the product. | 2016-03-03 |
| 20160063508 | COMMUNICATION SYSTEM, IMAGE PROCESSING APPARATUS, METHOD FOR CONTROLLING IMAGE PROCESSING APPARATUS, AND STORAGE MEDIUM - A communication system includes an image processing apparatus, an information processing apparatus configured to perform remote support on the image processing apparatus, and a management server configured to manage information relating to the image processing apparatus. Upon accepting a remote support service start request issued from the image processing apparatus, if the information managed by the management server is not the latest information, the image processing apparatus issues a request regarding the latest information and start of the remote support service to the management server. On the other hand, if the information managed by the management server is the latest information, the image processing apparatus issues a request regarding start the remote support service without updating the information. | 2016-03-03 |
| 20160063509 | MATERIALS ANALYTICAL REVIEW AND REPORTING SYSTEM - A computer-implemented analytical and reporting system includes an input device, a database and a processor. The input device is operative for inputting analytical data results of a test sample. The database includes an analysis methodology data section, an instrument data section and a forms data section. The processor is operative for receiving from the input device the analytical data results of the test sample. The processor is also operative for receiving from the database analysis methodology data of at least one analysis method, instrument data of at least one analytical instrument and forms data of a desired analytical report form. The processor is also operative for processing the analytical data results and the instrument data using the analysis methodology data and is operative for generating an analytical report produced on the desired analytical report form depicting final analytical results based on the analysis method and the analytical instrument. | 2016-03-03 |
| 20160063510 | VALIDATION IN SERIALIZATION FLOW - An example apparatus may include a processor and a memory device including computer program code. The memory device and the computer program code may, with the processor, cause the apparatus to receive serialization codes for a first entity in a serialization flow; compare serialization codes for the first entity to serialization codes for a second entity, the second entity being either upstream or downstream of the first entity in the serialization flow; and validating the serialization codes from the first entity by determining if the serialization codes for the first entity are compatible with the serialization codes for the second entity in the serialization flow. | 2016-03-03 |
| 20160063511 | SHOPPING PATTERN RECOGNITION - Shopping patterns for a customer with respect to a particular product that is repeatedly purchased by the customer with a given frequency are recognized across multiple channels. The shopping patterns are utilized to make suggestions, reminders, and default shopping lists on behalf of the customer. | 2016-03-03 |
| 20160063512 | IDENTIFYING A CLOUD SERVICE USING NETWORK TRAFFIC AND OTHER DATA - Managing cloud service usage includes receiving an identity of a potential cloud service provider utilized by an entity of the enterprise, wherein the identity of the potential cloud service provider is based on network traffic information of the enterprise. Management also includes receiving additional information related to the potential cloud service provider, wherein the additional information is in addition to the network traffic information; and analyzing the identity of the potential cloud service provider and the additional information. Also, based on the analysis, a list of cloud service providers utilized by the enterprise is revised. | 2016-03-03 |
| 20160063513 | METHOD AND SYSTEM FOR DETERMINING WHEN AND WHAT TIME TO GO SHOPPING - A method and a system are provided for determining when and what time a shopper should go shopping at a merchant. In particular, the present disclosure provides a method and a system for conveying to a shopper various shopping patterns by date and time, and by gender or age group, of a plurality of payment card holders at one or more merchants, based on one or more payment card holder purchase behaviors, to enable the shopper to select a date and time, or gender or age group, for shopping at the one or more merchants. The method and system can be used by shoppers to choose the preferred date/time, or gender or age group of fellow shoppers, to visit a specific merchant. | 2016-03-03 |
| 20160063514 | MARKETING PLATFORM THAT PROVIDES ANONYMOUS AND COMPARATIVE PERFORMANCE INFORMATION RELATED TO VENDORS - A device receives user information associated with users of user devices, and receives vendor information associated with vendors. The device identifies a performance metric for the vendors based on a request received from a particular vendor of the vendors, and determines performance information for the vendors based on the identified performance metric, the user information, and the vendor information. The device anonymizes the performance information for the vendors to produce anonymous performance information, without anonymizing the performance information for the particular vendor. The device generates a user interface that visually depicts the anonymous performance information and the performance information for the particular vendor, and provides the user interface to a device associated with the particular vendor. | 2016-03-03 |
| 20160063515 | SYSTEMS AND METHODS FOR ANALYZING ONLINE SURVEY QUESTIONS - An electronic device-controlled method can include receiving responses to a question of an online survey, determining an average daily response for the question, and determining an upper confidence level and a lower confidence level for the question. A subsequent determination can be made as to whether the question is stable based on the average daily response and upper and lower confidence levels over a specified period of time. | 2016-03-03 |
| 20160063516 | METHODS AND APPARATUS TO ESTIMATE COMMERCIAL CHARACTERISTICS BASED ON GEOSPATIAL DATA - Methods and apparatus to estimate commercial characteristics based on aerial images are disclosed. An example method includes identifying, using a computer vision technique, a feature in a first aerial image of a geographic location of interest, identifying a reference aerial image that includes the feature from a set of reference aerial images, the reference aerial image being associated with commercial characteristics, and associating a first one of the commercial characteristics with the location of interest. | 2016-03-03 |
| 20160063517 | PRODUCT EXPOSURE ANALYSIS IN A SHOPPING ENVIRONMENT - Systems and methods for analyzing product exposure to one or more shoppers in a shopping environment are disclosed herein. One method may include developing a three-dimensional model of the shopping environment indicating a product location of each of a plurality of products, capturing a plurality of images of shoppers using an overhead camera, and computing an estimated field of view of each shopper captured in the plurality of images. Computer vision techniques may be used to determine a location of a facial feature in the plurality of images, determine a head pose, and then assign the estimated field of view. The method may further include, based on the three-dimensional model, computing that a product location exists within the estimated field of view for each shopper, and generating a visibility metric based on an extent to which the product location exists within each estimated field of view. | 2016-03-03 |
| 20160063518 | SYSTEM AND METHOD FOR RANKING LEADS FROM TRANSACTIONAL DATA - Some embodiments rank entities within a lead list to identify the quality of each lead. Each entity is ranked based on stability component and a transactional component. The stability component accounts for the size and years of operation of the lead. The transactional component accounts for the recency of purchases, total amount of purchases, and changes in spending behavior of the lead. The stability component and transactional component are then quantified into a lead rank score and presented in conjunction with the lead in the lead list. | 2016-03-03 |
| 20160063519 | DATA ANALYSIS APPARATUS, DATA ANALYSIS SYSTEM, COMMODITY EXCHANGE FORECASTING APPARATUS, COMMODITY EXCHANGE FORECASTING SYSTEM, DATA ANALYSIS METHOD, COMMODITY EXCHANGE FORECASTING METHOD, AND COMPUTER-READABLE MEDIUM - A data analysis apparatus, system, method and non-transitory computer-readable storage medium are disclosed. A data analysis apparatus may include a memory storing instructions, and at least one processor configured to process the instructions to identify products included in a captured image, specify placement positions of the products, and analyze connection between a positional relation among the products and sales of the products based on the placement positions of the products and commodity exchange data of the products. | 2016-03-03 |
| 20160063520 | System for Analyzing Patterns - A data analyzer associated with an entity determines patterns and/or sequences in user data. The analyzer may provide businesses with feedback on spatiotemporal patterns in user habits. In certain embodiments, the analyzer determines the frequency of a sequence of purchases made at a first entity immediately followed by purchases made at a second entity. In another embodiment, the analyzer determines trends in user purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to merchant/consumer prospecting, and targeted promotions. | 2016-03-03 |
| 20160063521 | CHANNEL PARTNER ANALYTICS - Described is a technology by which channel partner analytic records (CPAR) are arranged and processed to obtain value from the data provided by channel partners. Included is collecting and joining disparate channel partner data into a combined dataset, generating insights from the combined data set, and taking action based upon the insights. To this end, the technology comprises a channel partner data model, a set of metrics and performance indications, and sets of analyses with respect to a given industry. | 2016-03-03 |
| 20160063522 | FRAMEWORK FOR MARKETPLACE ANALYSIS - A marketplace diagnostics framework for analyzing and managing online marketplaces. | 2016-03-03 |
| 20160063523 | FEEDBACK INSTRUMENT MANAGEMENT SYSTEMS AND METHODS - A feedback instrument management system may be used to send a feedback instrument based on a user interaction. The user interaction and one or more feedback instruments may be received at a processing module. The feedback instruments may each have an associated set of rules and limiting criteria. The processing module may determine which feedback instruments have all rules satisfied and have not met the limiting criteria. A feedback instrument from the set of feedback instruments that have all rules satisfied and have not met the limiting criteria may be selected. The selection may be based on a priority value or an auction. The auction may be based on auction factors, such as satisfaction scores. The selected feedback instrument may be sent to the user. | 2016-03-03 |
| 20160063524 | ONLINE SURVEY RESULTS PRESENTATION TOOLS AND TECHNIQUES - A computer-controlled method includes an electronic device receiving online survey results from a question of an online survey and an electronic display visually presenting to a user the online survey results over a total period of time. The visually presenting can include visually presenting a representation of the number of online survey results that corresponds with each answer in connection with a discrete period of time within the total period of time. Each result can be visually identified by a corresponding identifier. | 2016-03-03 |
| 20160063525 | SMART WATCH, CONTROL METHOD THEREOF, NON-TRANSITORY COMPUTER READABLE STORAGE MEDIUM HAVING COMPUTER PROGRAM RECORDED THEREON AND SYSTEM FOR PROVIDING CONVENIENCE TO CUSTOMER - The present invention provides, a smart watch, a method of controlling the smart watch, a non-transitory computer readable storage medium having a computer program recorded thereon, and a system for providing convenience to a customer. That is, the present invention can provide a smart watch that can provide product preference of a user on the basis of the user's behavior patterns and bodily changes and to provide a smart watch that can appropriately provide relevant information on the basis of user's product preference, so it can improve convenience in use. | 2016-03-03 |
| 20160063526 | METHOD AND SYSTEM FOR OPTIMIZING CUSTOMER VOLUME AT A MERCHANT STORE - A method and a system are provided for optimizing customer volume at a merchant store. In particular, the present disclosure provides a method and a system for forecasting how many shoppers will be in a merchant store at certain times of the day. The method and the system enable the merchant to forecast shopper volume at a merchant store for a defined date and time, and to make a targeted promotional offer at a merchant store for a defined date and time to a plurality of payment card holders. The method and the system are useful for the merchant in terms of optimizing resource needs, and enabling the merchant to run promotions that only apply during “down-times” to drive more shoppers to their store. | 2016-03-03 |
