14th week of 2022 patent applcation highlights part 39 |
Patent application number | Title | Published |
20220108238 | SYSTEMS AND METHODS FOR PREDICTING OPERATIONAL EVENTS - A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device. | 2022-04-07 |
20220108239 | SYSTEMS AND METHODS FOR PREDICTING OPERATIONAL EVENTS - A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device. | 2022-04-07 |
20220108240 | SYSTEMS AND METHODS FOR PREDICTING OPERATIONAL EVENTS - A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device. | 2022-04-07 |
20220108241 | SYSTEMS AND METHODS FOR PREDICTING OPERATIONAL EVENTS - A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device. | 2022-04-07 |
20220108242 | METHOD AND SYSTEM FOR UTILITY POWER LINE MONITORING - The present invention solves a very complex problem that is a major obstacles for electric utility industry's power lines vegetation encroachment management business. Vegetation contacts to the high voltage overhead power lines cause flash-over and/or blackout which results in hazardous situations and economic losses. Power line vegetation management is a very cost intensive business process which is essential to ensure safe, reliable and affordable electric energy supply by the electric utilities, transmission and generation owners. This routine electric utility vegetation management related work is mandated and overseen by applicable federal, state or local regulatory agencies. The state-of-the-art vegetation management process involves labor and cost intensive foot-patrol, vehicular patrol, air patrol and airborne LIDAR patrol of power lines. These methods are often inefficient, unreliable, risky and costly. The present invention provides a method and system for automated vegetation growth, condition and status monitoring near high voltage utility electric lines using stationary sensors, wireless or wired communications and computation technologies and proprietary algorithms. The method and system of the current invention monitors the power line infrastructures remotely and advises the vegetation maintenance crews on mitigating actions without requiring human interventions, thus saving cost and reducing risks to the humans and environment. A comprehensive vegetation encroachment condition report with vegetation proximity advisory (VPA) and vegetation resolution advisory (VRA) is automatically generated and transmitted to the operational staff by the system for each electric line span at certain time interval or continuously without boots-on-the-ground manual asset inspection and/or air patrol using aircraft. This current invention is an automated, safer and low-cost solution to an electric utility industry's essential reliability and compliance related business process. | 2022-04-07 |
20220108243 | WORK MANAGEMENT DEVICE, WORK MANAGEMENT SYSTEM, OPERATION MACHINE, WORK MANAGEMENT METHOD, AND PROGRAM - A work management device includes a present topography acquisition unit which acquires a present topography at a work site, a final design surface acquisition unit which acquires a final design surface at the work site, a work area acquisition unit which acquires a work area of an operation machine at the work site, a target operation volume acquisition unit which acquires a target operation volume per unit time of the operation machine, an intermediate design surface generation unit which generates an intermediate design surface for the operation machine on the basis of the final design surface, the present topography, the work area, and the target operation volume per unit time, and a notification processing unit which notifies the intermediate design surface to an operator of the operation machine. | 2022-04-07 |
20220108244 | SYSTEMS AND METHODS FOR DRONES AS A SERVICE - A technique is described for implementing drones as a service. As an example, a drone may receive instructions from one or more network elements, coordinate operations with the one or more network elements, and perform at least one task associated with the instructions. The drone may deliver a container to a first location and perform object recognition to validate an object of a subscriber being delivered to a second location. The drone may measure the weight and dimensions of the object to confirm the object is within operating guidelines. After verifying the object is within operating guidelines, the drone may transport the container containing the object to the second location. | 2022-04-07 |
20220108245 | INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, AND PROGRAM - Implemented is a configuration for deciding a transport machine into which a robot get, by taking efficiency and cooperativeness into consideration. A data processing section that selects a transport machine to be taken by a robot is included. The data processing section acquires robot information that is about the robot and transport-machine information that is about the transport machine, calculates scores corresponding to a plurality of available transport machines on the basis of the acquired information, and selects a transport machine to be used on the basis of the calculated scores. In a case where two or more transport machines satisfy a physical condition for permitting the robot to take the transport machines, the data processing section calculates an efficiency calculation value and a cooperativeness calculation value based on the robot information and the transport-machine information, and calculates scores on the basis of a function using the calculated efficiency calculation value and the calculated cooperativeness calculation value. | 2022-04-07 |
20220108246 | GENERATING A FORECAST BASED ON MULTIPLE TIME DIMENSIONS AND MACHINE LEARNING TECHNIQUES - A device may configure a plurality of time dimensions of a forecast model to forecast transactions. The device may identify, using the forecast model and transaction information associated with forecasting a transaction, historical transaction data that includes timing information associated with executions of a set of previous transactions that are associated with the transaction. The device may generate, using the forecast model and the plurality of time dimensions, a plurality of clusters associated with the set of previous transactions. The device may determine, using the forecast model, similarity scores for the plurality of clusters that correspond to individual probabilities that the set of previous transactions occurred according to the plurality of time dimensions. The device may select, based on the similarity scores, a time dimension for a forecast of the transaction. The device may generate the forecast of the transaction based on the time dimension. | 2022-04-07 |
20220108247 | TRANSIT SYSTEM FOR ADJUSTING DURATION TO RECONCILE ASSIGNMENT OF RESOURCES - A transit system for adjusting duration to reconcile the assignment of resources is provided. The system comprises a gate comprising a processing unit configured to read and verify whether RFID credentials presented at the gate match with RFID credentials that are denied access to the transit system. The system further comprises a rider profile module configured to create profiles for riders, the profiles comprising ride history, frequency of rides, allocation of resources associated with ride(s), the number of times riders have been denied access to the transit system. The system comprises a machine learning module configured to determine the travel behavior for the riders, a scoring module configured to assign scores to the riders, and a reconciliation module configured to adjust the duration to reconcile assignment of resources for the riders based on the score of the riders. | 2022-04-07 |
20220108248 | VEHICLE ALLOCATION MANAGEMENT METHOD AND VEHICLE ALLOCATION MANAGEMENT DEVICE - A vehicle allocation management method, which is executed by a computer to manage an allocation of service vehicles used in a mobility service to a user, includes instructions to be executed by at least one processor. The instructions include: estimating an energy consumption generated in response to a service provision to the user; estimating a performance deterioration of a service vehicle associated with the service provision to the user; generating an operation plan to be provided to the service vehicle with consideration of the energy consumption and the performance deterioration; obtaining, from the service vehicle, a modified operation plan which is estimated to be able to suppress at least one of the energy consumption or the performance deterioration compared with the operation plan that is generated; and determining whether to approve an operation of the service vehicle under the modified operation plan obtained from the service vehicle. | 2022-04-07 |
20220108249 | METHOD AND APPARATUS FOR WORKFLOW AUTOMATION - Disclosed is an apparatus for developing a process flow to allow an user to execute a manufacturing process, the apparatus comprises: a) a data connector for allowing data connections between the apparatus and various associated input resources; a job ticket comprises various data sections required by the process for manufacturing; a job ticket generator for allowing user interaction to carry out a plurality of task and automatically generate the Job ticket from incoming order data; a process creator to define and create the process with stages for user defined process execution; b) postal agents for moving a job ticket to its next destination based on tracking of information and updates the current status of the job and transmits to a control panel; c) a job ticket server making available the applicable job ticket for execution of task, to a particular stage in the process; a processing client for initiating a call to an end point; and configurable end points; and d) a control panel for displaying the status of the process flow development, wherein the components (a to d) being connected together in a network. | 2022-04-07 |
20220108250 | MODULAR SYSTEM FOR FOOD ASSEMBLY - One variation of a food production station includes: a manual assembly zone; an autonomous assembly zone; and a controller. The manual assembly zone includes: a prep surface; and a receptacle configured to receive a sequence of food hoppers configured to store ingredients for manual preparation of food products on the prep surface. The autonomous assembly zone includes: a sequence of module housings supporting the prep surface and configured to house a sequence of food dispensing modules configured to dispense ingredients into food containers; and a conveyor located within the sequence of module housings and configured to transfer food containers along the sequence of food dispensing modules for dispensation of ingredients into food containers. The controller is configured to: receive food orders; and coordinate motion of the conveyor and trigger the sequence of food dispensing modules to dispense ingredients into food containers to assemble food products according to food orders. | 2022-04-07 |
20220108251 | FLEXIBLE STORE FULFILLMENT - Aspects described herein relate to a flexible order fulfillment management system that utilizes predefined fulfillment workflows including common business processes. By utilizing predefined workflows including common business processes, the order fulfillment management system is able to drive store-based fulfillment programs efficiently as multiple fulfillment workflows may utilize the same common business processes and a single fulfillment management system may operate workflows in parallel. In addition, such an order fulfillment management system may also be more easily adapted for different retail store environments as the system allows a designer to easily create or modify a fulfillment workflow by selecting predefined common business processes or creating any additional custom business processes. Another aspect described herein relates to a tool that allows a designer of an order fulfillment program to select from a group of predefined common business processes to create workflows associated with an order fulfillment program. | 2022-04-07 |
20220108252 | DYNAMIC LIFECYCLE PROFILING OF COMPUTING ASSETS FOR ENVIRONMENTALLY SUSTAINABLE DISPOSITION - In non-limiting examples of the present disclosure, systems, methods and devices for generating sustainability insights and recommendations are presented. An asset disposition service may maintain a library comprising a plurality of software objects. Each of the software objects may correspond to a hardware computing asset and each software object may have a plurality of attributes associated with it related to the physical makeup of the asset, the software executed by the asset, regulatory issues associated with the asset, or contractual terms associated with the asset. The asset disposition service may apply various algorithms and/or machine learning models to one or more attributes of the software objects to generate sustainability insights and recommendations that can be utilized to identify best disposition paths for assets and for meeting sustainability goals. | 2022-04-07 |
20220108253 | SYSTEM AND METHOD FOR CARBON EMISSIONS EXPOSURE DETERMINATION - A system and method may determine the carbon emissions risk to an institution through its lending and investment activities to a plurality of counterparties by, for example, determining carbon emissions data for a number of counterparties and, for each counterparty, determining the carbon emissions risk to the institution. A system and method may determine the proportion of total capital of a counterparty that is being financed by a bank, and multiply this by a carbon emissions measure for the counterparty. Embodiments may be applied to determine optimal investment strategies for managing an institution's exposures to carbon risk over time. | 2022-04-07 |
20220108254 | System and Method for Measuring Service Performance - A method for measuring service performance of a company. The company may be a human services company. A performance technology system is provided for facilitating the method. The performance technology system enables human service providers to measure every change of every client in service to accurately reflect service performance and changes in the rate of service impact from period to period. By helping public and non-profit human service agencies to manage the impact of their services with clients in real time, the performance technology system enables them to increase the supply of services with available funding, and assure taxpayers and donors of measurable value for their money. | 2022-04-07 |
20220108255 | ASSISTED ANALYTICS - Assisted analytics, facilitates responding to a user selection of a measure that is calculated from a data set that is characterized by a plurality of dimensions of data, populating, with a processor a set of dimensions of the data with dimensions that contribute at least one data value to the user selected measure by calculating, for each dimension of the data in the set of dimensions of data a measure outlier threshold for a set of timeframe-specific values of the measure. This outlier threshold is applied, for each dimension of the data in the set of dimensions of data to calculate a dimension-specific outlier factor by aggregating timeframe-specific outlier weights for each timeframe in which a timeframe-specific value in the set of timeframe-specific values exceeds the measure outlier threshold. The results of this aggregation can be displayed in a ranked list of dimensions based on the dimension-specific outlier factor. | 2022-04-07 |
20220108256 | SYSTEM AND METHOD FOR DECISION SYSTEM DIAGNOSIS - The disclosure relates to a method for an analysis in a decision system. An example method includes receiving one or more data from a user; inspecting the one or more data; after inspecting the one or more data, training the one or more data; identifying a decision space for the user based on the trained one or more data; training a model to predict an outcome, the outcome being a function of features and decision parameters in the decision space; monitoring a performance of the model in the decision system; receiving a set of features from the user to the model; optimizing the outcome based on the set of features; and displaying the outcome to the user. | 2022-04-07 |
20220108257 | SYSTEM FOR CREATING IDEAL EXPERIENCE METRICS AND EVALUATION PLATFORM - The present invention is a system for producing ideal experience metrics and associated evaluation platform to objectively compare competing products (or services) or prototypes using a unique scoring algorithm. Consumer feedback data is provided to the system of the present invention to determine an objective score for each criterion. The system may also determine an overall score for the product or service being evaluated. Using the present invention, a provider of a product or service may objectively compare a feature or attribute of the product or service to competing products or services through the use of rated Benefits, Features, and Attributes. | 2022-04-07 |
20220108258 | Systems And Methods For Evaluating Loading And Unloading Times Of Items In A Vehicle - The disclosure is generally directed to evaluating loading and unloading times of items in a vehicle. The vehicle may be equipped with an object-sensing mat placed in a cargo area and coupled to a computer configured to execute a timing evaluation module. A first change in weight or pressure is sensed when an item is either placed upon, or removed from, the object-sensing mat. An increase in weight or pressure indicates loading of the item on to the vehicle, and vice-versa. The computer can generate a timing prediction model based on processing sensor signals from the object-sensing mat and determining the amount of time taken for loading or unloading items from the vehicle. In one application, a timing prediction model may be generated for each customer of a goods delivery service and used for optimizing delivery operations. | 2022-04-07 |
20220108259 | BUSINESS METRIC IDENTIFICATION FROM STRUCTURED COMMUNICATION - In a method of observing users of communication devices, a central computer system recognizes a first user associated with a first communication device and a second user associated with a second communication device. The central computer system observes a communication between the first communication device and the second communication device, wherein at least a portion of the communication is an audible communication. The central computer system relays the communication between the first communication device and the second communication device. The central computer system identifies features of the communication and makes the features available for decision making purposes. | 2022-04-07 |
20220108260 | INTERACTIVE NETWORK AND METHOD FOR SECURING CONVEYANCE SERVICES - The inventive platform and method address a long felt need for optimizing the efficiency of operation within the conveyance industry for goods and services by providing for the filtering, selection and securing of conveyance services in accordance with one or more of client and representative preferences in substantially real time. An efficiency preference may be employed to pool conveyance services for optimizing vehicle utilization. | 2022-04-07 |
20220108261 | DYNAMIC FORMATION OF INSIDE SALES TEAM OR EXPERT SUPPORT TEAM - Customer relationship management (“CRM”) method implemented in a computer system, including a lead knowledge engine in communication with a plurality of tele-agent stations. The lead knowledge engine includes a semantic graph database with a knowledge graph and a dynamic profiling module configured to identify query tele-agents via tele-agent dashboards to receive internal sales information indicative of product product/service interest and tele-agent experience and expertise. The lead knowledge engine is further configured to query a sales analytics engine and receive external sales information to identify product/service interest and generate target-lead profiles. The lead knowledge engine automatically ranks tele-agents and creates inside sales or expert support teams to support particular products or services, parses leads, and updates tele-agent dashboards. | 2022-04-07 |
20220108262 | INDUSTRIAL DIGITAL TWIN SYSTEMS AND METHODS WITH ECHELONS OF EXECUTIVE, ADVISORY AND OPERATIONS MESSAGING AND VISUALIZATION - An industrial plant operation management platform integrating a set of executive digital twins that take data from an intelligent data and networking pipeline to provide role-specific features, including AI-enabled expert agent features and enhanced collaboration features, and salient views of the entities and workflows of an industrial plant operation, thereby enabling executives to monitor and control entities and workflows to an unprecedented degree at appropriate levels of granularity and using familiar taxonomies and decision-making frameworks. | 2022-04-07 |
20220108263 | INTEGRATED ROOFING ACCESSORIES FOR UNMANNED VEHICLE NAVIGATION AND METHODS AND SYSTEMS INCLUDING THE SAME - In some embodiments, the present disclosure provides systems and methods enabling unmanned vehicle navigation and delivery including an integrated roofing accessory integrated into a roof, the integrated roofing accessory including at least one antenna and a computing module in communication with the at least one antenna, where the computing module, when software is executed, is configured to transmit, via the at least one antenna: electronic operating instructions to at least one unmanned vehicle, and network messages related to the at least one unmanned vehicle to at least one additional integrated roofing accessory. A landing member is on the roof and the electronic operating instructions comprise: at least one landing instruction configured to cause the at least one unmanned vehicle to land on the landing member, and at least one take-off instruction configured to cause the at least one unmanned vehicle to take off from the landing member. | 2022-04-07 |
20220108264 | SYSTEM AND METHOD FOR DETERMINING OUT-OF-STOCK PRODUCTS - An automated inventory monitoring system includes an image capture module able to create an image of an aisle of a retail store. Product images and shelf label and peg label images are identified in the image and products are associated with product labels based on the positioning of the products with respect to the labels. Based on the association between labels and products, out-of-stock products are detected and reported to the retail store. | 2022-04-07 |
20220108265 | SYSTEM FOR TRACKING RESOURCES WITH MULTIPLE USERS AND MULTIPLE LOCATIONS - The present disclosure is directed to a novel system for using a distributed register to conduct, manage, and store resource tracking data. In particular, computing systems may be used to perform assessments on and track various diagnostic parameters for a fleet of resources within an enterprise environment and store the data records within the distributed register. Data may be received in a periodic manner, event-based manner, or a continuous manner from on-board diagnostic components of the resources. The system may further comprise one or more distributed register interjectors which may trigger the addition of updated data records for one or more resources in the distributed register. In this way, the system provides for a highly efficient way to track and analyze resource data and forecast value and condition of resources belonging to the entity. | 2022-04-07 |
20220108266 | SECURE SHIPMENT RECEIVE APPARATUS WITH DELEGATION-CHAIN - Methods, apparatus, systems and articles of manufacture are disclosed to coordinate and manage secure shipment of a package. An example shipment coordination apparatus includes an address generator and a verification engine. The example apparatus includes a shipping group coordinator to generate a group including a sender and a receiver based on a) a first digital address associated with the sender, b) a second digital address associated with the receiver, and c) at least one encryption key associated with the first digital address and/or the second digital address, the shipping group coordinator to initiate delivery instruction and manage receipt confirmation of a package at a second physical address corresponding to the second digital address based on verification of a token identifying the receiver and to provide messaging between the sender and the receiver in the group using a group encryption key to keep messages private in the group. | 2022-04-07 |
20220108267 | DELIVERY MANAGEMENT SYSTEM AND DELIVERY MANAGEMENT METHOD - A delivery management system configured to automatically order a delivery of an article based on an inventory status of the article in a storage room by using a computer is provided. The storage room is installed so that it penetrates an exterior wall of a house. The delivered article can be put into the storage room from the outside of the house, and the article put into the storage room can be taken out, in a living space of the house, from the storage room. | 2022-04-07 |
20220108268 | Strategy Game Layer Over Price Based Navigation - Implementations of various methods and systems of a network, GPS system, mobile computing devices, servers, transportation unit data transformations, forward commodity market servers, grouping instructions for virtual hubs, transparent open access pricing systems, blockchain audit and safety instructions, virtual hub instructions, banking and credit account instructions, priced based GPS map routing algorithms in a simple easy to use graphical user interface format for mobile, audio interface or virtual interface computing over various mediums which are connected via a network to transact and trade transportation seats or capacity units in airline transport, subway transport, train transport, automobile transport, autonomous vehicle transport, taxi transport, space transport, package freight transport, tractor trailer freight transport, cargo freight transport, container freight transport, virtual transport, underground transport, ship or sea transport, public transport, private transport or drone transport on a computer, mobile computer device, audio computer device, virtual reality computer device or mixed reality computing device. | 2022-04-07 |
20220108269 | METHOD AND SYSTEM FOR AUTOMATICALLY DISTRIBUTING ASSET POOL SHARES AMONG ACTORS IN A BLOCKCHAIN NETWORK - A method for automatically distributing asset pool shares among actors in a supply chain blockchain network includes: receiving measured values of contribution/obtainment parameters and of obtainment parameters of all network actors based on an amount of actor data inflow/outflow to/from the network in a given time interval; determining, for each actor a | 2022-04-07 |
20220108270 | TRANSITIONING ITEMS FROM A MATERIALS HANDLING FACILITY - This disclosure describes a system for automatically transitioning items from a materials handling facility without delaying a user as they exit the materials handling facility. For example, while a user is located in a materials handling facility, the user may pick one or more items. The items are identified and automatically associated with the user at or near the time of the item pick. When the users enters and/or passes through a transition area, the picked items are automatically transitioned to the user without affirmative input from or delay to the user. | 2022-04-07 |
20220108271 | SYSTEMS AND METHODS FOR INITIAL ITEM GROUPING LOGIC - The present disclosure provides systems and methods for automatic packaging determination comprising a memory storing instructions and at least one processor performing steps comprising: receiving an order comprising at least one item; searching a data store to determine a tag, volume, and weight associated with each item; sorting the items into groups based on the tags of the items; performing an optimization process for each group of items having the same tag by: creating a data structure representing a first package of the group; iteratively simulating packing a largest remaining item of the group into the first package, wherein if the simulating determines that a threshold is exceeded: creating an additional data structure representing an additional package, and iteratively simulating packing a largest remaining item until all items of the group are packed into a package; and generating at least one list of items for the data structures representing packages. | 2022-04-07 |
20220108272 | Parcel Margin Optimization (PMO) System for and Methods of Generating and Optimizing Discounted Parcel Shipping Prices - A system and method of generating discounted parcel shipping rates. The system and method may include a computing device configured to receive historical shipping data of a potential/current client of a logistics service provider; determine historical shipping rates for historical parcel shipments charged to the potential or current client by one or more shipping carriers based on the received historical shipping data; compare the determined historical shipping rate to a discounted shipping rate charged to the logistics service provider by the one or more shipping carriers for a same or comparable shipping service; and determine a discounted shipping rate to offer the potential or current client based in part on the comparison of the determined potential or current client historical shipping rate and the discounted shipping rate charged to the logistics service provider by the one or more shipping carriers for the same or comparable shipping service. | 2022-04-07 |
20220108273 | CONTROL APPARATUS, SYSTEM, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - A control apparatus includes a communication interface, and a controller configured to acquire a first delivery route via an initial air delivery point at which a package is to be delivered by air transport, and an initial land transport delivery point at which a package is to be delivered by land transport, acquire weather information indicating a weather condition on the first delivery route via the communication interface, change the initial air delivery point to a modified land transport delivery point for which a delivery method of the package is switched to delivery by land transport, in accordance with the weather information, and determine a second delivery route via the initial land transport delivery point and the modified land transport delivery point. | 2022-04-07 |
20220108274 | AUTOMATED SYSTEM FOR ADMINISTERING ITERATIONS IN A CONTINUOUS SOFTWARE DEVELOPMENT LIFECYLE FRAMEWORK - A system for administering iterations in a continuous software development lifecycle framework is provided. In particular, the system may be configured to gather one or more requirements from one or more entity systems associated with an entity, gather information associated with the one or more requirements and one or more users from the one or more entity systems, wherein the one or more users are associated with the entity, process the one or more requirements and the information via a natural language processing engine to generate transformed information, identify one or more conflicts associated with the one or more requirements, identify one or more exposures associated with the one or more requirements, and generate one or more decisions based on the transformed information, the one or more conflicts, and the one or more exposures. | 2022-04-07 |
20220108275 | Creative Program Management Model - A unique program management model that focuses on creative programs which is designed to provide a method for understanding creative visions from the very first conversation or brief session. The model includes practices that help to clearly understand the vision of the idea owner so that the goals of the vision can be outlined in clearly formed projects and executed to accomplish those defined goals. Additionally, the stages in the model include sessions that incorporates activities that help to inspire team members and motivate them to be innovative throughout the life of the program. The working methods free up the visionary, or idea owner to focus on the vision while the team focuses on being creative in creating deliverables for the program. The program leader will manage all aspects of the program to eliminate the need for the resources or the visionary to manage project activity updates on their own. | 2022-04-07 |
20220108276 | ONLINE COLLABORATION PLATFORM - An example method to facilitate online collaboration includes granting access to a collaboration space to multiple client devices, each associated with a corresponding one of multiple users, the multiple users including a first user and a second user. The method includes receiving input from the first user to create a first set of graphical objects in the collaboration space. The method includes receiving input from the second user to create a second set of graphical objects in the collaboration space. The method includes applying different visual attributes to graphical objects authored by different users to visually identify an author or creator of each graphical object such that all graphical objects of the first set of graphical objects have a first visual attribute and all graphical objects of the second set of graphical objects have a second visual attribute that is different than the first visual attribute. | 2022-04-07 |
20220108277 | METHOD AND SYSTEM FOR PROVIDING AN INTEGRATED ORGANIZATIONAL USER INTERFACE - A method for providing organizational information in an integrated graphical user interface is disclosed. The method includes receiving, from a personal information manager, a request relating to the organizational information; compiling data from the personal information manager, the data including event information for an event and corresponding participant information for a participant; parsing the data to identify contact information for the participant; identifying, by using the contact information, supplemental information for the participant from a directory; generating an organizational user interface based on the contact information and the supplemental information; and transmitting, to the personal information manager, the organizational user interface in response to the at least one request. | 2022-04-07 |
20220108278 | SYSTEMS AND METHODS FOR USING A TRANSACTION TO COLLECT ADDITIONAL TRANSACTION INFORMATION - Disclosed are systems and methods for using a transaction to collect additional transaction information. The method may include: receiving transaction information indicating that a transaction of one or more products and/or services has been made by a user from a merchant; when the transaction information is received, scanning a user e-mail account to identify a receipt for the transaction within an e-mail of the user e-mail account, wherein the receipt is indicative of a transaction price; when the receipt for the transaction is identified: extracting information of the one or more products and/or services from the receipt; and based on the extracted information, automatically generating and submitting a price adjustment claim for the one or more products and/or services when a price lower than the transaction price is found; and when the receipt for the transaction cannot be identified: automatically submitting information about a missing receipt to a fraud system. | 2022-04-07 |
20220108279 | System and Method for Providing Job-Specific Training and Employment to Residents of a Controlled Environment Facility - The current disclosure relates to a system and method for providing job-specific training material to an inmate within a controlled environment. In an embodiment, the system authenticates an inmate by receiving at least one authentication request at a control platform from a wireless multifunction device in response to an inmate-initiated action and provides the inmate access to interactive training materials stored on a training database or an employment subsystem configured to provide an interface for the inmate to perform one or more job-specific tasks upon authenticating the inmate. Access to each of the databases or subsystem is provided to the inmate based on a profile corresponding to the inmate and the tasks are completed using a wireless multifunction device. | 2022-04-07 |
20220108280 | SYSTEMS AND METHODS FOR INTELLIGENT ADHERENCE OR CONFORMANCE ANALYSIS COACHING - A system and method for intelligent adherence analysis/conformance analysis coaching where a graphical user interface, which allows a supervisor to select a date range and an objective, such as a goal amount of adherence/conformance to occur at a goal frequency, is displayed; adherence/conformance data, for one or more agents, is received, agents are determined to require coaching based on a comparison of the adherence/conformance data at the goal frequency to the goal amount of occurrences of the goal amount of adherence/conformance at the goal frequency; coaching sessions are scheduled with each of the agents determined to require coaching; and an alert, which includes information indicating why the agent requires coaching, is transmitted to each of those agents. | 2022-04-07 |
20220108281 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING SYSTEM, NON-TRANSITORY COMPUTER READABLE MEDIUM, AND VEHICLE - An information processing apparatus manages the operation of an alternative vehicle when a vehicle recovers from a failure. The information processing apparatus includes a controller. The controller is configured to determine, when it is judged that the vehicle is not operational due to failure of the vehicle, to introduce an alternative vehicle to replace the vehicle, and when recovery information indicating that the vehicle has recovered from the failure is acquired, maintain the determination to introduce the alternative vehicle or cancel the introduction of the alternative vehicle and redetermine the recovered vehicle as being operational. | 2022-04-07 |
20220108282 | SUPPORTING DEVICE, DISPLAY DEVICE, SUPPORTING METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM STORING SUPPORTING PROGRAM - Provided is a supporting device for supporting an operation of a plant. The supporting device includes a question output unit that outputs a question based on process data of the plant; an answer reception unit that receives an answer to the question output from the question output unit; and an estimation information output unit that outputs estimation information that supports the operation of the plant on the basis of the answer received by the answer reception unit. | 2022-04-07 |
20220108283 | PROCESSING TRANSACTIONS INVOLVING CARD READER DEVICES - A method and apparatus for processing a commerce transaction performed with a terminal reader for reading a card are disclosed. In one embodiment, the method includes receiving transaction information for a merchant regarding a transaction involving the terminal reader without the terminal reader having an assigned terminal identifier (TID) that is used for transaction authorization and assigning the terminal reader a pre-allocated TID for the merchant as the assigned TID, where the pre-allocated TID is selected from a group of one or more pre-allocated available terminal IDs (TIDs) associated with the merchant, and using that pre-allocated TID to obtain authorization for the transaction. | 2022-04-07 |
20220108284 | SYSTEMS AND METHODS FOR MULTI ACCESS CHANNELS FOR AUTHENTICATION AND CONSENTS - A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider. | 2022-04-07 |
20220108285 | Methods and Systems for Object Validated Blockchain Accounts - Some embodiments can include method for decentralized data storage and validation. In many embodiments, the method can comprise receiving provided data at one or more decentralized storage modules for storage, wherein at least one of the one or more decentralized storage modules resides on a masternode, validating the provided data against a defined schema, and obtaining a decentralized multi-party consensus indicating acceptance of the provided data. In a number of embodiments, the method further can comprise writing a hash of the provided data for storage in a blockchain module, synchronizing the provided data across the one or more decentralized storage modules based at least in part on the hash stored in the blockchain module, and retrieving the provided data from the at least one of the one or more decentralized storage modules. Other embodiments of related methods and systems are also provided. | 2022-04-07 |
20220108286 | SYSTEM AND METHOD FOR PAYMENT TENDER STEERING - A payment system reduces transaction costs for online merchants. The payment system receives a transaction amount for the purchase of goods or services by a consumer from an online merchant. The payment system receives bank identification numbers for a plurality of accounts of the consumer that could be used by the consumer to pay for the good or services. The payment system determines transaction costs associated with processing a payment transaction with an acquirer processor using each of the consumer accounts. The payment system determines a recommended consumer account to use for the purchase of the good or services based at least in part on the transaction costs. Tender steering information is generated and sent to the consumer. Tender steering information includes the recommended consumer account information and one or more incentives to incentivize the consumer to use the recommended consumer account for the payment of the goods or services. | 2022-04-07 |
20220108287 | SMART CARD WITH REVERSE PAYMENT TECHNOLOGY - Apparatus and methods are provided for a smart card which enables users to securely complete online transactions without entering any sensitive transaction information into a third-party system. The smart card may include a microprocessor and wireless interface. The wireless interface may provide wireless communication capabilities and the ability to initiate online payments based on information captured by the touch-sensitive screen. The wireless interface may receive communications from a merchant or issuer bank requesting payment. The microprocessor may be configured to download contact names and associated contact phone numbers from a cloud computing account. The user may select a contact name. The microprocessor may be configured to resolve a contact bank account and contact smart card associated with a contact phone number. The microprocessor may be configured to send a payment request to the contact bank account and contact smart card. | 2022-04-07 |
20220108288 | SYSTEM AND METHOD OF ENHANCING TIP MANAGEMENT - A system and method of enhancing ‘tip’ or ‘gratuity’ management, herein referred to as a ‘Daily Tip Payment System’ (DTPS) is disclosed. One example embodiment is comprised of a software application (app), a data processor executing the app, and a cloud network. The software connects with an employer's existing point of sale (POS) platform used in retail settings (such as restaurants, etc.) and allows tips from cashless transactions to be seamlessly deposited directly into an service provider's bank account, prepaid debit card, or mobile payment app after each shift for a small fee. An object of the example embodiments of the invention is to streamline tip coordination and allocation for the employer and allow the service provider to receive tips more frequently and more conveniently. | 2022-04-07 |
20220108289 | PROVIDING AUGMENTED REALITY USER INTERFACES FOR AUTOMATED TELLER MACHINE TRANSACTIONS - Aspects of the disclosure relate to providing augmented reality user interfaces for ATM transactions. In some embodiments, a computing platform may receive presence information indicating that a mobile computing device is within a predetermined distance of a first ATM at a first location, authenticate a user of the mobile computing device to an online banking account, and generate a transaction-specific device identifier that uniquely identifies the first ATM at the first location. Thereafter, the computing platform may generate and send an augmented reality user interface to the mobile computing device, prompting the user to use the mobile computing device to capture the transaction-specific device identifier. Based on verifying that the user is authorized to perform a transaction at the first ATM, the computing platform may cause an NFC connection to be established between the mobile computing device and the first ATM, via which the transaction may be conducted. | 2022-04-07 |
20220108290 | SYSTEMS AND METHODS FOR BUYING VIRTUAL ITEMS FROM MULTIPLE ONLINE SALES PLATFORMS, THE VIRTUAL ITEMS BEING USEABLE WITHIN AN ONLINE GAME - Systems and methods for buying and selling virtual items through multiple online sales platforms are disclosed. Exemplary implementations may: effectuate publications of at least two sales listings; effectuate a presentation to a buying user that includes representations of the publications; receive indications of offers to purchase the particular virtual item; determine an accepted offer that is accepted; effectuate assignment of the ownership of the particular virtual item to the buying user account. | 2022-04-07 |
20220108291 | SECURE TRANSPORT DATA SHARING - An example operation includes one or more of receiving, by a server, a request for particular data, determining, by the server, a transport that can provide the particular data based on one or more current settings of the transport and a current route of the transport, requesting, by the server, the transport to provide the particular data for a value, and receiving, by the server, the particular data. | 2022-04-07 |
20220108292 | PAY BY TEXT SYSTEMS AND METHODS - A system and method for paying bills is disclosed that includes a bill from a payee. The bill includes text payee information that includes a due date, an account number, identification of the payee, an amount due, and payer information. The disclosed system also includes a statement disposed upon the paper bill that includes instructions for a payer to retrieve or take a photo of the bill and to send the picture to a billing text number on the statement. The bill can include one or more images and text. The one or more images can be processed by an image interpretive object and the text payee information can be processed by optical character recognition software for determining payment options that are the most likely to be paid, and the best prediction that the payee will receive payment due. | 2022-04-07 |
20220108293 | SYSTEMS AND METHODS FOR READER DEVICE REGISTRATION, USE, AND MANAGEMENT - A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions. | 2022-04-07 |
20220108294 | SELF-SERVICE CHECKOUT TERMINAL WITH A SECURITY FUNCTION BASED ON DETECTION OF WEIGHT OF ITEMS - A self-service checkout terminal includes an optical code reader, a platform on which items to be purchased are placed, a weight sensor configured to detect a weight of objects placed on the platform, and a processor configured to operate in a first mode and a second mode. The processor carries out a registration process based on a merchandise code corresponding to a code symbol read from an item by the optical code reader while enabling a confirmation process to confirm proper item placement based on the weight detected by the weight sensor in the first mode, and carries out the registration process while disabling the confirmation process in the second mode. | 2022-04-07 |
20220108295 | COMPUTING SYSTEM IMPLEMENTING A NETWORK TRANSACTION SERVICE - A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction. | 2022-04-07 |
20220108296 | Contactless Event Processing - Systems for contactless event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A user may capture an image of the generated first interactive user interface displayed by the self-service kiosk using, for instance, an image capture device of a user computing device. The captured image may be displayed by a display of the user computing device and the user may provide user input to the user computing device selecting a displayed option. The user input may be processed and mapped to functionality associated with the self-service kiosk. Based on the mapping, one or more instructions or commands may be generated and transmitted to the self-service kiosk. The self-service kiosk may execute the instructions or commands to execute the requested functionality. | 2022-04-07 |
20220108297 | SOFTWARE SECURITY SYSTEM AND METHOD FOR PIN ENTRY, STORAGE AND TRANSMISSION TO SOFTWARE-BASED POS (SOFTPOS) - A secure PIN entry to verify the cardholder in over-limit transactions of mobile devices receiving payment via POS software. The system includes a POS application installed in the mobile device, which allows payment to be received and which is managed by the server application, an L3 business layer that manages the user interface, experience, and workflows of POS application, a POS memory which enables the software operation of security, key creation and cryptographic algorithms for POS application, a POS security layer which ensures that payment is made safely through POS memory, a PIN application that provides the user interface for secure PIN entry and securely forwards PIN entry to the POS application, a PIN memory which enables the software operation of security, key creation and cryptographic algorithms for PIN application, and a PIN security layer that enables secure reception and transmission of the PIN through the PIN memory. | 2022-04-07 |
20220108298 | INFORMATION PROCESSING METHOD, PROGRAM, AND TERMINAL - An information processing method and a terminal for processing information are provided. The information processing method includes: receiving, by the terminal from a server, first information for making a payment using a code image; storing the first information in a storage of the terminal; displaying, by a display of the terminal, the code image based on the first information; processing, by the terminal, the payment based on the displaying of the code image; and displaying, by the display, second information based on the processing of the payment, the second information indicating the first information is not stored in the storage. | 2022-04-07 |
20220108299 | SMART CARD DEPENDENT TRANSFER TECHNOLOGY - Apparatus and methods are provided for a smart card which enables users to securely complete online transfers without entering sensitive transaction information into a third-party system. The smart card may include a touch-sensitive screen configured to display selectable transfer options. The smart card may include a microprocessor and wireless interface. The wireless interface may provide wireless communication capabilities and the ability to initiate online transfers based on information captured by the touch-sensitive screen. The smart card may be a parent smart card associated with a parent account. The parent account may be linked to a dependent account. The parent smart card may receive a communication related to the dependent account. Selectable transfer options displayed on the touch-sensitive screen may enable a transfer from the parent account to the dependent account. | 2022-04-07 |
20220108300 | SYSTEMS AND METHODS FOR EVENT-DRIVEN DISPUTE PROCESSING USING DISTRIBUTED LEDGER - A method for event-driven dispute processing using distributed ledgers may include: receiving dispute information for a dispute involving a transaction; receiving, from a payment brand and at the distributed ledger, payment brand verification of the dispute information; receiving, from a merchant and at the distributed ledger, transaction details for the transaction; receiving, from the card issuer and at the distributed ledger, chargeback initiation; receiving, from the payment brand and at the distributed ledger, payment brand acceptance of the chargeback; receiving, from the merchant and at the distributed ledger, merchant acceptance of the chargeback; and receiving, from the card issuer and at the distributed ledger, notification of completion of the chargeback. | 2022-04-07 |
20220108301 | SMART CARD WITH DISTRIBUTED PAYMENT CHANNELS AND AUTONOMOUS RESOLUTION THEREOF - Systems and methods for autonomous payment routing are provided. A method may include storing in a smart card a database of contacts accessed from a digital contact directory. The method may include receiving a request to reroute a payment via an alternate payment channel, the payment including a recipient and an amount, and the alternate payment channel originating from an account associated with one of the contacts in the database. The method may also include resolving, via a wireless communication element that is embedded in the smart card, routing information for the account. The method may also include transmitting, to an administrator of the account, a request for authorization to reroute the payment, and, when authorization is received, executing the payment via the alternate payment channel. | 2022-04-07 |
20220108302 | POINT OF INTERACTION DEVICE EMULATION FOR PAYMENT TRANSACTION SIMULATION - Technologies for emulating payment transaction messaging for electronic payment transaction include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and simulated payment card data for the payment transaction from a point of interaction emulator. The transaction management controller inserts the transaction amount and the payment card data into a lest payment authorization request message, which is transmitted to a null host. A payment authorization response message is received from the null host and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed. | 2022-04-07 |
20220108303 | TOUCHLESS PAYMENTS AT POINT-OF-SALE TERMINALS - In some implementations, a method of providing contactless payments at a point of sale terminal includes: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface that includes a prompt for input required to complete the transaction; receiving a response to the prompt; and sending an indication of the response to the prompt to the point-of-sale terminal to allow for completion of the transaction based on the response at the point-of-sale terminal through use of a physical token at the point-of-sale terminal. | 2022-04-07 |
20220108304 | SYSTEM AND METHOD FOR DIGITAL WALLET MANAGEMENT - A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to provide, via the communications module and to a remote computing device, a signal causing the remote computing device to display an interface of a digital wallet management application, the interface allowing one or more digital wallets to be selected; receive, via the communications module and from the remote computing device, a signal indicating a selection of the one or more digital wallets; receive, via the communications module and from the remote computing device, a signal indicating a request to push account information to the selected one or more digital wallets; and send, via the communications module and to one or more servers associated with the one or more digital wallets, a signal configuring the one or more servers to add the account information to the one or more digital wallets. | 2022-04-07 |
20220108305 | SYSTEMS AND METHODS FOR CONSENT MANAGEMENT BY ISSUERS ON BEHALF OF CARDHOLDERS - A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device. | 2022-04-07 |
20220108306 | SYSTEMS AND METHODS FOR SUBSTITUTE LOW-VALUE TOKENS IN SECURE NETWORK TRANSACTIONS - Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service. | 2022-04-07 |
20220108307 | CURRENCY-PROTOCOL CONVERGED E-MAIL SYSTEM, AND E-MAIL SENDING AND RECEIVING METHODS THEREFOR - Disclosed is a currency-protocol converged e-mail system, including an e-mail client loaded with a remittance plug-in to provide a user with an e-mail interface with a remittance identifier, and a remittance-mail management server interacting with the e-mail client, an e-mail management server and a fund management server respectively. The remittance-mail management server cooperates with the e-mail management server and the fund management server, the remittance-mail management server judges whether an e-mail message contains the remittance identifier after receiving the e-mail message sent by the e-mail client, wherein if so, the remittance-mail management server dispatches the e-mail management server to send the e-mail message and dispatches the fund management server to perform remittance operations according to the remittance identifier; if not, the remittance-mail management server only dispatches the e-mail management server to send the e-mail message. The same platform and cross-platform synchronous transmission of information and value can be realized. | 2022-04-07 |
20220108308 | TRANSPORTATION, STORAGE AND SERVICE FUTURES - Methods and systems for the creation, validation and trading of transportation, storage or service capacity through future financial instruments, the use of explicit legal futures agreements, the application of insurance contracts to futures, the application of factoring or another form of financing to pay for futures at the time of purchase or fulfillment, the monitoring of futures contract execution and the establishment of futures default contingencies are provided. | 2022-04-07 |
20220108309 | SYSTEMS AND METHODS FOR SECURELY OPENING APIS WITH CARDHOLDER AUTHENTICATION AND CONSENT - A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider. | 2022-04-07 |
20220108310 | METHODS AND SYSTEMS FOR PREVENTING TRANSACTION TRACING ON DISTRIBUTED LEDGER-BASED NETWORKS - Some embodiments disclose the use of zero-knowledge proofs (ZKPs) to prevent or at least mitigate privacy compromises that can occur to transactions conducted on distributed ledger-based networks (DLNs). In particular, some embodiments disclose methods and systems where ZKPs can be used to keep confidential or at least mitigate public revelation of private trasaction data due to the analyses of the transaction fee or gas paid to facilitate the transaction on the DLN. | 2022-04-07 |
20220108311 | APPLICATION FOR CREATING REAL TIME SMART CONTRACTS - Systems and methods are provided for creating and modifying smart contracts. A method for creating a smart contract can include receiving one or more commands that include a parameter for the smart contract and generating, based on the one or more commands, an entry that is part of an agreement structure. The method can also include receiving input from different devices that approve the entry in the agreement structure as well as generating one or more milestones associated with the smart contract. The milestones can be converted and saved using a distributed ledger technology such as blockchain. | 2022-04-07 |
20220108312 | METHODS, SYSTEMS, AND DEVICES FOR SECURE CROSS-BORDER PAYMENTS WITH HIGH TRANSACTION THROUGHPUT - Disclosed herein are methods, systems, and devices for providing secure national and/or cross-border payments with high transaction throughput using a hybrid of centralized payment system and cryptographically secure distributed ledger technologies? The system combines the benefits of a centralized system, including the ability to deposit and withdraw fiat currency following bank regulations, “Know Your Customer”/“Know Your Business” (KYC/KYB), “Anti-Money Laundering” (AML), with high security of cryptographically secure distributed ledger technology to solve security issues. A multi-chain structure is used to implement the methods with instant settlement, high security, integrity and scalability. | 2022-04-07 |
20220108313 | METHOD IN BLOCKCHAIN SYSTEMS FOR FAST STABILIZATION AND INCREASED RESPONSIVENESS - The present invention provides a computer implemented method in a blockchain system, wherein said method comprising: plurality of anchors, wherein said anchors includes a bitstring comprising (i) hash of a block in a main chain, and (ii) a Proof Of Work (PoW). The plurality of anchors generated, propagated and thereby accepted by plurality of peer nodes in a network on said blockchain system so as to increase the responsiveness and stability of a blockchain. | 2022-04-07 |
20220108314 | SYSTEMS AND METHODS FOR USE IN PROMOTING HASH KEY ACCOUNT ACCESS - Systems and methods are provided for identifying an account via a hash key specific to the account and presented to a third party, in connection with a network interaction. One example method includes receiving, by a computing device, from the third party, the hash key in connection with the network interaction, determining a primary account number (PAN) for the account based on the hash key, and identifying an issuer of the account based on the determined PAN. The method also includes transmitting a verification request to the issuer, to verify details of the account, and receiving a code from the issuer indicative of the verification. The method further includes intercepting an authorization request for the network interaction based on the authorization request including the hash key and, in response to the authorization request further including said code, directing the authorization request to the issuer. | 2022-04-07 |
20220108315 | DISTRIBUTED LEDGER NETWORK IMPLEMENTING A SYNCHRONOUS TRUST CONSENSUS MODEL - A system includes a synchronization group of a distributed ledger network. The synchronization group includes nodes. The nodes include a first node to generate a content block of a ledger, and participate in a consensus process to generate a consensus block based at least in part on the content block. The nodes further include a second node to receive a copy of the content block from the first node, and participate in the consensus process to generate the consensus block. | 2022-04-07 |
20220108316 | Leveraging Tamper-Resistant Hardware to Transfer Digital Currency between Local Devices - A digital transaction is secured by leveraging tamper-resistant hardware associated with at least one of the devices involved in the transaction. The mechanism that controls the transaction between a sending device and a receiving device, such as the application or an application plugin, is configured to allocate a high degree of trust to at least one of the devices with tamper-resistant hardware. This way, any confirmations and representations from the device with the tamper-resistant hardware can be trusted and locally relied upon. The tamper-resistant device is configured with rules to prevent certain actions, such as double spending and overspending, among other rules. Thus, so long as the receiving device can verify that the sending device is configured with tamper-resistant hardware, the receiving device can trust that the sending device is acting within the confines of its prescribed rules and that the money will transfer. | 2022-04-07 |
20220108317 | SYSTEMS AND METHODS FOR USE IN AUTHENTICATING USERS TO ACCOUNTS IN CONNECTION WITH NETWORK TRANSACTIONS - Systems and methods are provided for authenticating users to accounts in connection with network transactions. An exemplary method includes receiving an authentication request associated with a transaction where the authentication request includes a credential associated with the account, and transmitting an authentication assertion request to an entity associated with the account other than an access control server (ACS) associated with an issuer of the account. The method also includes providing an authentication confirmation, in response to the authentication request, when the entity provides an authentication assertion for the transaction based on a prior authentication of the user, whereby the transaction proceeds based on the authentication confirmation and without authentication specific to the transaction. The method further includes seeking authentication of the user, based on the authentication request, from the ACS, when the entity provides instruction to seek authentication of the user or fails to respond to the authentication assertion request. | 2022-04-07 |
20220108318 | QUANTUM COMPUTING BASED REAL-TIME VERIFICATION SYSTEM - Aspects of the disclosure relate to quantum computing based real-time verification system. A computing platform may receive one or more features of a transaction by a customer, and retrieve, from a plurality of data sources, one or more attributes that may impact the transaction. Then, the computing platform may identify a plurality of business rules applicable to the transaction. Then, the computing platform may transform, based on the one or more features of the transaction, the one or more attributes that may impact the transaction, and the plurality of business rules applicable to the transaction, the transaction to sequence of quantum bits. Subsequently, the computing platform may determine a risk score for the sequence of quantum bits. Then, the computing platform may determine whether the transaction is valid, and provide an alert to the transaction processing platform. | 2022-04-07 |
20220108319 | Method, Device, and System of Detecting Mule Accounts and Accounts used for Money Laundering - Method, device, and system of detecting a mule bank account, or a bank account used for terror funding or money laundering. A method includes: monitoring interactions of a user with a computing device during online access with a bank account; and based on the monitoring, determining that the bank account is utilized as a mule bank account to illegally receive and transfer money, or is used for money laundering or terror funding. The method takes into account one or more indicators, such as, utilization of a remote access channel, utilization of a virtual machine or a proxy server, unique behavior across multiple different accounts, temporal correlation among operations, detection of a set of operations that follow a pre-defined mule account playbook, detection of multiple incoming fund transfers from multiple countries that are followed by a single outgoing fund transfer to a different country, and other indicators. | 2022-04-07 |
20220108320 | SIMULATOR FOR VALUE INSTRUMENT NEGOTIATION TRAINING - A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed. | 2022-04-07 |
20220108321 | FRAUD DETECTION BASED ON AN ANALYSIS OF MESSAGES IN A MESSAGING ACCOUNT - A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized. | 2022-04-07 |
20220108322 | SYSTEMS AND METHODS FOR USE IN BIOMETRIC-ENABLED NETWORK INTERACTIONS - Systems and methods are provided for facilitating biometric-enabled network interactions. One example computer-implemented method includes receiving, at a biometric identity switch (BIS) computing device, from a point-of-sale (POS) terminal of a merchant, a request for an authorization packet for a transaction between the merchant and a user and identifying a biometric provider associated with a biometric in the request. The method also includes requesting, by the BIS computing device, from the identified biometric provider, a biometric identifier for the user, based on the biometric, receiving the biometric identifier from the identified biometric provider, determining the authorization packet for the user based on the biometric identifier, and transmitting the authorization packet to the POS terminal for use by the POS terminal in compiling an authorization request for the transaction. | 2022-04-07 |
20220108323 | Authentication Based on Biometric Identification Parameter of an Individual for Payment Transaction - Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed. | 2022-04-07 |
20220108324 | FINANCIAL PAYMENT METHOD AND PAYMENT SYSTEM USING MOBILE DEVICE - This application relates to a financial payment method using biometric information. Biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual. After the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content. | 2022-04-07 |
20220108325 | WEAR-BASED REPLACEMENT FOR ATHLETIC EQUIPMENT - Systems and methods are provided for replacing athletic equipment. One embodiment is a system that includes a tracking server. The tracking server includes an interface that receives messaging indicating fitness histories for athletes, each of the fitness histories including records that indicate exercise activities performed by an athlete over time, and a controller that, for each of the athletes, analyzes records of exercise activities of the athlete in a corresponding fitness history, applies wear to athletic equipment for the athlete based on the records that were analyzed, and determines whether the athletic equipment exceeds a threshold level of wear. In the event that the athletic equipment exceeds the threshold level, the controller coordinates delivery of new athletic equipment to the athlete, and in the event that the athletic equipment does not exceed the threshold level, the controller foregoes delivery of the new athletic equipment to the athlete. | 2022-04-07 |
20220108326 | Method for Determining the Carbon Footprint of a Product in Production Processes of a Production Plant - The present invention is in the field of computer-implemented methods for determining the carbon footprint of a product in a production process in a production plant, in particular of a product in interconnected production processes. Certain embodiments of the present invention relate to a computer-implemented method for determining the carbon footprint of a product produced in production process of a production plant. | 2022-04-07 |
20220108327 | Method for Determining the Carbon Footprint of a Product in Production Processes of a Production Plant - The present invention is in the field of computer-implemented methods for determining the carbon footprint of a product in a production process in a production plant, in particular of a product in interconnected production processes. Certain embodiments of the present invention relate to a computer-implemented method for determining the carbon footprint of a product produced in production process of a production plant. | 2022-04-07 |
20220108328 | SYSTEMS AND METHODS FOR LINKING INDICES ASSOCIATED WITH ENVIRONMENTAL IMPACT DETERMINATIONS FOR TRANSACTIONS - Systems and methods are provided for determining an environmental impact of one or more transactions. An example method generally includes accessing transaction data representative of a plurality of transactions, where each of the transactions involves a user and a merchant, and accessing at least one index indicative of environmental impact of a plurality of merchants. The method also includes generating a graph based on the users and merchants included in the transaction data, whereby the graph is representative of the plurality of transactions, and determining a mapping between ones of the merchants involved in the transaction data and the environmental impact indicated by the at least one index, based on at least one of: the graph, the accessed at least one index, a graph convolution network (GCN), and a graph neural network (GNN). The method then includes publishing the mapping between the ones of the merchants and the environmental impact. | 2022-04-07 |
20220108329 | Method, System, and Computer Program Product for Fraud Prevention Using Deep Learning and Survival Models - Provided is a method for fraud prevention using deep learning and survival models. The method may include receiving, with at least one processor, transaction data associated with a plurality of transactions of at least one payment account. At least one attempted attack may be detected based on the transaction data. A fraud risk score for each subperiod of a plurality of subperiods in a time period following the at least one attempted attack may be generated based on the transaction data using a deep learning model and a survival model. The fraud risk score for each respective subperiod may be associated with a probability that a fraudulent transaction will not occur by the respective subperiod. A system and computer program product are also disclosed. | 2022-04-07 |
20220108330 | INTERACTIVE AND ITERATIVE BEHAVIORAL MODEL, SYSTEM, AND METHOD FOR DETECTING FRAUD, WASTE, ABUSE AND ANOMALY - An interactive and iterative system is useful for investigating fraud, waste, abuse and anomaly (FWAA). It is based on a FWAA model that applies to many different types of FWAA. The system includes a data inputs classifier based on the model, a plurality of databases based on the model for containing the classified data inputs, programming to identify missing data, and a classifier programmed to generate an analytic roadmap of the investigation case to aid in the investigation and programmed to identify abnormal data points in the pooled database. | 2022-04-07 |
20220108331 | SYSTEMS AND METHODS FOR DETECTION OF AND RESPONSE TO ACCOUNT RANGE FRAUD ATTACKS - Computing systems and methods for detecting account range fraud attacks in a payment card network are described herein. An attack detection and response (ADR) computing device detects a fraud attack in which a set of primary account numbers (PANs) that share a common bank identification number (BIN) are subject to potential fraud, retrieves transaction records associated with transactions initiated during the fraud attack, and, for each transaction, determines an issuer response that indicates whether the transaction was authorized or declined. The ADR computing device also extracts, for each authorized transaction, the PAN from the transaction record, identifies a respective issuer of the payment card associated with each extracted PAN, and transmits a fraud attack alert to each identified issuer, the fraud attack alert identifying the fraud attack, a time period associated therewith, and the PANs associated with the authorized transactions, causing the issuer to record the PANs as compromised. | 2022-04-07 |
20220108332 | Computer System and Method for Music Streaming - A computer system and method for music streaming with listening metrics is provided. The system includes a database that is in wireless communication with a plurality of listener-user devices and artist-user devices. The database includes a music streaming service that allows listener-users to access media item that are uploaded by artist-users. The listener-users are presented with a survey to reflect their opinion on a particular media item. The aggregated answers are assigned a number or percentage value based on the total number of listeners and survey participants. The data is presented to the uploading artist-user so that they can gauge the potential popularity of a particular media stem. Additionally, the system is designed to receive the survey data and calculate a marketability or profitability score which is also presented to the artist-user. | 2022-04-07 |
20220108333 | PROVIDING SEARCH SUGGESTIONS BASED ON PREVIOUS SEARCHES AND CONVERSIONS - An online concierge system suggests subsequent search queries based on previous search queries and whether the previous search queries resulted in conversions. The online concierge system trains a machine learning model using previous delivery orders and whether initial and subsequent search queries in the previous delivery orders resulted in conversions. When the online concierge system receives a search query to identify one or more items from a customer, the online concierge system parses the search query into combinations of terms and identifies items related to the search query. In response to the search query resulting in a conversion, the online concierge system retrieves a conversion graph and presents a suggested subsequent search query based on the conversion graph. In response to the search query not resulting in a conversion, the online concierge system retrieves a non-conversion graph and presents a suggested subsequent search query based on the non-conversion graph. | 2022-04-07 |
20220108334 | INFERRING UNOBSERVED EVENT PROBABILITIES - Systems and methods for data analytics are described. The systems and methods include receiving attribute data for at least one user, identifying a plurality of precursor events causally related to an observable target interaction with the at least one user, wherein at least one of the precursor events comprises a marketing event, predicting a probability for each of the precursor events based on the attribute data using a neural network trained with a first loss function comparing individual level training data for the observable target interaction, and performing the marketing event directed to the at least one user based at least in part on the predicted probabilities. | 2022-04-07 |
20220108335 | OPERATIONAL PREDICTIVE SCORING OF COMPONENTS AND SERVICES OF AN INFORMATION TECHNOLOGY SYSTEM - A system and method for real-time operational predictive scoring of components and services of an information technology system (ITS) for forecasting and assessing performance of the components of the ITS are provided. A data pipeline is configured to collect and store, in real-time, multiple time series signals corresponding to health, performance, and functionality of each of the components of the ITS. An operational predictive score (OPS) engine of a scoring module calculates an OPS for each of the time series signals. An OPS roll-up module of the scoring module calculates an OPS for each of the components and services in the ITS by aggregating the OPS for the individual time series signals. An alerting engine to notify operational issues and provide root cause analysis using OPS score decomposition. A visualization layer for OPS based analytics. | 2022-04-07 |
20220108336 | METHODS AND APPARATUS TO DETERMINE REACH WITH TIME DEPENDENT WEIGHTS - Methods and apparatus to determine reach with time dependent weights are disclosed. An example method disclosed herein includes determining a first subset of panelists exposed to media at a first time; determining a second subset of the panelists exposed to the media at a second time; applying a first plurality of weights to the first subset of panelists to generate first weighted exposures; applying a second plurality of weights to the second subset of the panelists to generate second weighted exposures; for a first panelist in the first and second subsets, determining a first cumulative weighted exposure by determining which of the first and second weighted exposures is largest for each of the first panelist; for a second panelist in one of the first and second subsets, determining a second cumulative weighted exposure by based on the weight applied to the second panelist; and determining a reach of the media for the first and second times by combining the first and second cumulative weighted exposures. | 2022-04-07 |
20220108337 | MACHINE LEARNING MODEL BASED RECOMMENDATIONS FOR VEHICLE REMOTE APPLICATION - A server for machine learning model based recommendations for vehicle remote application is provided. The server includes circuitry configured to retrieve customer subscription data associated with a first set of customers related to a set of vehicles. The set of vehicles are controlled with one or more remote applications associated with the server. The circuitry extracts the first set of features from the customer subscription data and trains a machine learning model based on the first set of features and a first feature of the first set of features. The first feature corresponds to a paid subscription of a remote application. The circuitry determines an importance score for each of the first set of features based on the trained machine learning model. The circuitry generates recommendation information related to the remote application, based on the determined importance score and transmits the recommendation information to electronic devices associated with the server. | 2022-04-07 |