20th week of 2016 patent applcation highlights part 52 |
Patent application number | Title | Published |
20160140472 | SYSTEMS AND METHODS FOR MANAGING ASSEMBLY ACCOUNTABILITY GRIEF - Systems and methods are disclosed for managing assembly accountability grief. According to certain embodiments, a change that creates at least one grief is detected. An accountability report associating the at least one grief with an affected model is received. Moreover, the at least one grief may be assigned to a workcenter. | 2016-05-19 |
20160140473 | CREATING AND DISPLAYING A WORK SEQUENCE - A computer system for creating a work sequence of work items comprises a linked list storage to store multiple first work items and links between the first work items and a first-in-first-out buffer to buffer unscheduled second work items defining a first-out unscheduled second work item. The computer system further comprises a processor. The processor retrieves the first-out unscheduled second work item from the buffer and selects two of the first work items such that an available time between the two of the first work items is greater or equal to the duration of the first-out unscheduled second work item, and stores a link between the first-out unscheduled work item and each of the two selected first work item such that the stored link defines a work sequence and the first-out unscheduled work item is between the two first work items in the work sequence. | 2016-05-19 |
20160140474 | SYSTEM AND METHOD FOR AUTOMATED PROJECT PERFORMANCE ANALYSIS AND PROJECT SUCCESS RATE PREDICTION - A system and method for predicting a performance of a project. Input data may generated based on data related to one or more managerial systems of an organization; data related to one or more projects the organization is currently working on; and historical data related to one or more past projects. A benchmark may be generated based on events related to projects in one or more organizations. The input data and the benchmark may be used to generate a prediction of at least one future event related to the project. | 2016-05-19 |
20160140475 | SYSTEM AND METHOD FOR ASSESSING CLIENT PROCESS HEALTH - A method and apparatus for assessing the health of a process is provided where the health of a client's process is assessed across a plurality of dimensions based on computing a process health index. The process health index is computed by determining a sub-process health index across a plurality of dimensions for the sub-processes comprising the process. The sub-process health index across different dimensions is determined based, at least in part, on responses to a set of evaluators and the dimensional weight value assigned to each of the dimensions. The response to each evaluator is an option selected from a plurality of weighted options. The sub-process health index is then stored. A process health index is calculated based on the sub-process health index for each sub-process across a plurality of dimensions and the sub-process weight value assigned to each of the sub-processes. The process health index is stored and used to assess the health of a client's process. | 2016-05-19 |
20160140476 | METHODS, SYSTEMS AND APPARATUS FOR HUMAN JUDGES, PRODUCTS AND SERVICES EVALUATIONS - A computerized method for evaluating human judges, products and services. An amount of currency for bidding and a corresponding plurality of items, with each item having a defined price, may be presented to a user. A bid for one or more of the plurality of items may be obtained. The one or more bids may each be compared with a defined price of the corresponding item. A score may be determined based on the one or more bids. Products, services, and search algorithms and techniques may be evaluated based on the bids, and search algorithms and techniques may be developed based on the bids. Human judges may be evaluated based on results of the corresponding bids. | 2016-05-19 |
20160140477 | METHODS AND SYSTEMS FOR ASSIGNING TASKS TO WORKERS - The disclosed embodiments illustrate methods and systems for assigning one or more tasks to a labor channel from one or more labor channels. The method includes selecting a first labor channel from said one or more labor channels based at least on a distribution of a performance metric associated with each of said one or more labor channels. The first labor channel is selected for execution of said one or more tasks. The method includes updating said distribution of said performance metric associated with each of said one or more labor channels. The method further includes selecting a second labor channel from said one or more labor channels based at least on a comparison between said updated distribution of said performance metric associated with said first labor channel, and said updated distribution of said performance metric associated with remaining one or more labor channels. | 2016-05-19 |
20160140478 | ADAPTIVE TASK ASSIGNMENT TO IMPROVE SKILL GROWTH AND BALANCE SERVICE LEVEL AGREEMENTS - Methods and systems may provide for computing the complexities of tasks in a business process management system based on business and process data, and previous durations taken to compute similar tasks. The system and method may also categorize the skill level of one or more users based on user history and other metadata, and use the skill level and task complexity to correlate a task with one or more users that are suitable to complete the task within a related service level agreement. Tasks may be adaptively assigned to users in order to ensure that the tasks are completed as required by the SLA, assigned to less skilled users to improve their skills, and/or dynamically reassigned to ensure that the requirements of the SLA are met. Additionally, the system and method may also be used to manually configure complexities of a task and tag users based on skill level. | 2016-05-19 |
20160140479 | ADAPTIVE TASK ASSIGNMENT TO IMPROVE SKILL GROWTH AND BALANCE SERVICE LEVEL AGREEMENTS - Methods and systems may provide for computing the complexities of tasks in a business process management system based on business and process data, and previous durations taken to compute similar tasks. The system and method may also categorize the skill level of one or more users based on user history and other metadata, and use the skill level and task complexity to correlate a task with one or more users that are suitable to complete the task within a related service level agreement. Tasks may be adaptively assigned to users in order to ensure that the tasks are completed as required by the SLA, assigned to less skilled users to improve their skills, and/or dynamically reassigned to ensure that the requirements of the SLA are met. Additionally, the system and method may also be used to manually configure complexities of a task and tag users based on skill level. | 2016-05-19 |
20160140480 | Transportation Coordination System - A method and apparatus for coordinating ride sharing. A route is identified, by a computer system, between a starting location and an ending location for an event. Potential riders are selected, by the computer system, from employees in an organization from locations of the employees in the organization for the route, wherein the potential riders will attend the event. A set of riders are confirmed, by the computer system, from the potential riders for a driver of a vehicle in the employees for the route. | 2016-05-19 |
20160140481 | TASK SUPERVISING SYSTEM AND METHOD THEREOF - Disclosed are a task supervising system and a method thereof, for automatically reporting whether a task is fulfilled. The system generates a task list via a task generating module. A worker learn the task and a required task area of a task location via the task list transmitted. The worker uses a location acquiring unit to obtain a location information of an electric device, and at least a sensor to obtain a sensing signal. A task executing module would first determine whether the location information of an electric device is within the required task area of the task location. If yes, the sensing signal would be transmitted to a database storing a reference signal corresponding to the task in advance. Finally, via the database, a task supervising module compares the sensing signal and the reference signal so as to generate a supervised result corresponding to the task. | 2016-05-19 |
20160140482 | Critical Path Scheduling with Drag and Pull - Systems, computer-implemented methods and non-transitory computer-readable storage medium are provided for calculating drag and pull metrics in a multi-calendar schedule. A driving relationship is a relationship that determines the start date of its successor (task). Driving relationships are identified during schedule calculation. Driving successor paths, consisting of a path of tasks and relationships where each relationship is a driving relationship, are identified. Post schedule calculation, drag and pull are calculated for any driving paths in the schedule by iteratively recalculating the schedule (forward pass—early start, early finish) while incrementing the duration of each task on the driving path (one task at a time) one time unit per iteration (starting from zero and working up to the task's original duration) and measuring the effect on the end (early finish of the last task) of its successor driving path. | 2016-05-19 |
20160140483 | PRESERVING THE HIGHEST SHIPPING PRICE USING A LOGISTICS MANAGEMENT SYSTEM (LMS) - A logistics management system (LMS) may include receiving, at a server, a request from a requestor to amend a booking on an air carrier's cargo hold for a designated route; amending, by the server, at least one of a group consisting of a routing, a weight, a volume, a special handling codes, a product, an allotment, a flight, a container type, and a change of responsible participant for charges of the booking based on the received request; and assigning, by the server, a new price for the booking based on the amendment unless a total price for the amended booking and a rate for the amended booking are both lower than an original total price and an original rate for the booking created at a time of the booking. | 2016-05-19 |
20160140484 | METHOD OF ASSESSING A PENALTY FEE FOR AMENDING OR CANCELLING BOOKING USING A LOGISTICS MANAGEMENT SYSTEM (LMS) - A logistics management system (LMS) may include receiving a request from a requestor to change a booking on an air carrier's cargo hold for a designated route; assessing a penalty fee upon the requestor for changing the booking. | 2016-05-19 |
20160140485 | FREIGHT CONTAINER STORAGE SYSTEM - According to an exemplary embodiment, a configuration system for calculating a feature of each element of a plurality of elements is provided. The system comprises a database in which a set of rules for each element of the plurality of elements is stored, and a processing unit which is designed to automatically vary a first feature of a first element or for automatically replacing the first element by another element, and for calculating the features of the elements in accordance with the set of rules. By allowing to automatically vary a feature of an element or by allowing automatic replacement of an element by another element, the configuration of the elements may be optimized. | 2016-05-19 |
20160140486 | SYSTEMS AND METHODS FOR FACILITATING SHIPPING OF PARCELS - A shipping system, according to various embodiments, is configured for: (1) receiving a request to ship a parcel, the request including shipping information; (2) providing the user with a unique identifier for use in shipping the parcel; (3) receiving an indication that the user has presented the parcel and the unique identifier at an access point; (4) in response to receiving the indication, facilitating placement of a pre-printed bar code (or other indicia) on the parcel at the access point and associating it with the shipping information; (5) facilitating delivery of the parcel from the access point to a handling facility and (6) facilitating placement of a shipping label on parcel at the handling facility. The system may then use the shipping label to facilitate shipment of the parcel from the handling facility to the parcel's final destination. | 2016-05-19 |
20160140487 | SYSTEMS AND METHODS FOR FACILITATING SHIPPING OF PARCELS FOR RETURNING ITEMS - An exemplary item return shipping system is configured to: receive a request to return an item to a retailer; provide the user with a unique identifier associated with the request; and receive an indication that the user has presented the parcel and the unique identifier at an access point. The system may then facilitate placement of a pre-printed machine-readable indicia (e.g., a barcode) on the parcel at the access point and associate it with the retailer information. The system then facilitates delivery of the parcel from the access point to a handling facility and facilitates placement of a shipping label (that includes the address of a returns processing facility that is determined using the retailer information) on the parcel at the handling facility. In various embodiments, the system then facilitates shipment of the parcel to the returns processing facility. | 2016-05-19 |
20160140488 | ORDER FILLING SYSTEM - Systems, methods, and machine-executable coded instruction sets for the fully- and/or partly automated handling of goods are disclosed. In particular, the disclosure provides improvements in the handling of goods in fulfillment of orders for items of mixed sizes, weights, and other dimensions. | 2016-05-19 |
20160140489 | MANAGING WAREHOUSE INFORMATION - Managing warehouse information is disclosed, including: receiving warehouse storage device information from a warehouse storage device; establishing a warehouse identifier corresponding to the warehouse storage device; storing warehouse information corresponding to the warehouse identifier based at least in part on the warehouse storage device information; receiving request information from a client; determining whether the request information satisfies a first preset rule or a second preset rule; generating lock-in information corresponding to whichever of the first preset rule and the second preset rule is satisfied by the request information; updating the warehouse information based at least in part on the lock-in information; transmitting the lock-in information to the client and to the warehouse storage device; receiving a confirmation message from the client confirming use of requested resources; generating resource transfer information based at least in part on the confirmation message; and transmitting the resource transfer information to the warehouse storage device. | 2016-05-19 |
20160140490 | INVENTORY MANAGEMENT SYSTEM AND METHOD THEREOF - A method and system for managing inventory of a product in at least one store. The method comprises: determining, for each store, a seed inventory of the product based at least on distribution data for the product; and generating, for each store, an estimated current inventory of the product based on the respective seed inventory and at least one heuristic. | 2016-05-19 |
20160140491 | SYSTEM AND METHOD FOR INTEGRATING INTERMEDIARY AND END-USER ONLINE RETAIL EXPERIENCES - A network connected system for inventory management is disclosed including an intermediary module, including providing sales and inventory management functions for intermediaries such as wholesalers and retailers and an end-user module, including providing sales to end-users using an end-user identifier which is associated with a wholesaler or retailer. | 2016-05-19 |
20160140492 | SYSTEM AND METHOD FOR DEPLETABLE, NATURAL ASSET MANAGEMENT, ACCOUNTING AND ANALYSIS - This invention relates to a natural resource and reserve management system, a corresponding method and a resultant natural asset inventory. The system has means for amalgamating and integrating data from disparate expert technical systems and applications, including computer developed or generated data, into at least one common, spatially-referenced database for use by at least one commercially available inventory management application, in order to provide integrated natural asset management in a natural resource inventory. The natural resources and reserves may comprise of depletable mineral resources and reserves, the amalgamation and integration may be conducted continually, and the data may be from disparate expert technical systems and applications in order to provide integrated mineral asset management in a mineral resource inventory. | 2016-05-19 |
20160140493 | SYSTEM AND METHOD FOR ELECTRONIC MANIFESTING IN A DISTRIBUTION NETWORK - System and method for providing electronic manifesting access for users of a distribution network. A distribution network may provide a user access point, such as by providing application programming interfaces. The access point may provide access the item tracking module upon receipt of valid credentials, such as a user's unique identifier. The access point may receive item information, generate an electronic manifest including the item information and the unique identifier, and allow for tracking the items on the electronic manifest. | 2016-05-19 |
20160140494 | Method and System for Reconciling Transportation Records - Aspects of the present invention are directed to a system for next day reconciliation of transportation records. The system having a transportation record storage provider (TRSP) that receives and stores storage medium transportation requests; an outside service provider (OSP) inventory manager that receives and maintains records of transported storage mediums scanned at the OSP; and a reconciliation provider that receives a first list from the TRSP and a second list from the OSP inventory manger, for reconciliation. The reconciliation provider includes receivers for receiving the first and second list; a processing engine that reconciles the first list and the second list; and a reporting unit that reports the results of the reconciliation. The processing engine matches inbound and outbound records of the first list and second list, and processes invalid records; and analyzes and accounts for un-matched records. | 2016-05-19 |
20160140495 | METHOD OF FINALIZING AN AIR WAYBILL AT THE TIME OF ALLOTMENT BOOKING USING A LOGISTICS MANAGEMENT SYSTEM (LMS) - A logistics management system (LMS) may include receiving, at a server, a reservation request from a requestor for a booking on an air carrier's cargo hold for a designated route; validating, by the server, an availability of the requested booking with the air carrier; generating, by the server, a price quote for the booking; communicating, by the server, the price quote to the requestor; and receiving, by the server, an acceptance of the price and terms from the requestor to form commercial terms for the booking. | 2016-05-19 |
20160140496 | Automated delivery system and method - An improved method and system for the delivery of at least one ordered item to at least one locked storage containers, associated with a corresponding customer comprising, following the ordering of the delivery, determining the availability of the the locked storage container to receive the delivery at one or more times; identifying a time interval during which the delivery can be made to the locked storage container; sending a signal to the locked storage container allowing access by a delivery agent that is delivering the at least one ordered item to the locked storage container only during the time interval, the improvement wherein the delivery agent is an unmanned delivery_aircraft. | 2016-05-19 |
20160140497 | Supporting a handling of information about shipments - A device is provided which enables a courier to select one of two lists and to detect a selection of one of the two lists. A first list is provided for shipments that are to be delivered to a respective destination of the shipments by the courier and a second list is provided for shipments that are not to be delivered to a respective destination of the shipments by the courier. The device receives data that results from a scanning of at least one label that is associated with a shipment or with a group of shipments. The device adds at least one item to the selected list, each of the at least one item associated with a shipment or with a group of shipments, based on the received data. The device may perform these actions by an apparatus and/or by computer program that is executed by a processor. | 2016-05-19 |
20160140498 | PRICE QUOTING OF ALLOTMENTS BASED UPON SELECT CATEGORIES IN A LOGISTICS MANAGEMENT SYSTEM (LMS) - A logistics management system (LMS) may include receiving, at a server, a reservation request from a requestor for an allotment on an air carrier's cargo hold for a designated route and date range; assigning, by the server, an allotment category for the requested allotment; generating, by the server, an allotment rate for the requested allotment based, at least in part, upon the designated route and the allotment category; and communicating, from the server to the requestor, the generated allotment rate. | 2016-05-19 |
20160140499 | ENGINEERING DOCUMENT MOBILE COLLABORATION TOOL - Systems and methods provide engineering process and document management to a mobile fleet of users. A server computer and a relational database form at least part of a process and document management system. The server computer processes information from the relational database to predictably identify workflow information and engineering document information that may be needed by one or more users in the field to service field assets. The server computer may push the identified information to one or more mobile devices of the one or more users in the field via one or more communication networks. The mobile devices allow users to mark-up engineering documents in the field and provide the modified documents back to the server computer. | 2016-05-19 |
20160140500 | AGGREGATING BUSINESS ANALYTICS ARCHITECTURE AND CONFIGURATOR - A method and associated system for designing an architectural solution. Functional requirements and nonfunctional requirements are received. Responsive to receiving the functional requirements and nonfunctional requirements, first level outputs are produced. Further input is received through a guided questionnaire, wherein the guided questionnaire is based on the first level outputs. Responsive to receiving the further input, a list of client specific components and subcomponents, a client specific solution reference architecture, and a set of reference links are produced. | 2016-05-19 |
20160140501 | COLLABORATIVE PROJECT EXECUTION IN THE CLOUD - A system and method for software collaboration includes implementing and using a platform for project collaboration, e.g., a deployment cockpit, based on received parameters. The deployment cockpit can receive and/or retrieve project data, e.g., from a bid cockpit. The data received and/or retrieved can include guidelines, relevant documents, tasks for the project, templates, and best practices. The deployment cockpit can assemble a project team including suggestions and invitations to prospective team members. Team members can have definable access permissions. The data for the project can be gathered in a workspace such that project collaborators can complete tasks without leaving the workspace. | 2016-05-19 |
20160140502 | MANAGING MULTIPLE TASKS OF A PROJECT PLAN VIA A TASK MANAGEMENT TOOL - Systems, methods, and other embodiments for providing management of tasks of a project plan associated with a computer application are described. In one embodiment, a task management tool is disclosed that is configured to generate a task rectangle for display in a task management view. The task rectangle is representative of a task of the project plan in a Cartesian plane format having two attribute axes. An attribute indicium is also generated for display at a first position within the task rectangle as determined by the intersection of two attribute values of the first task on each of the two attribute axes, respectively. At least one of the two attribute values may be modified by re-positioning the attribute indicium at a second position within the task rectangle. The two attribute values take on two attribute axes values of the Cartesian plane format that intersect at the second position. | 2016-05-19 |
20160140503 | DATABASE SYSTEMS AND METHODS FOR USING CREDIBILITY RATINGS OF USERS TO PROCESS ONLINE RESUMES IN A SOCIAL NETWORKING ENVIRONMENT - Disclosed are examples of systems, apparatus, methods, and computer program products for determining the credibility of resumes or resume components posted to an online social network. For example, a rating user may rate the credibility of a resume component posted by a posting user to an online social network. The rating given by the rating user may be adjusted according to a credibility indicator associated with the rating user. The adjusted credibility rating may be used, possibly in combination with adjusted credibility ratings from other rating users, to calculate a weighted average credibility rating for the resume component that will then be visible to users of the online social network. The weighted average credibility rating may be an indication of the credibility of a resume or resume component. | 2016-05-19 |
20160140504 | RESUME MANAGEMENT AND RECRUITMENT WORKFLOW SYSTEM AND METHOD - A computer system and method for managing access to a resume database. For each skill or experience-related phrase in a resume, the system computes a term of experience based on an experience range associated with a contextual use of the phrase in the resume. The term of experience for a phrase that occurs multiple times in the resume is the summation of the term of experience for each occurrence of the phrase associated with a different contextual use. The system stores each phrase and the term of experience in a parsed resume. The resume database also stores job descriptions that include required phrases and a required term of experience for each required phrase. The job descriptions also store a required level of education or field of specialization, and a required salary range. A recruiter searches the resume database to find matching resumes that satisfy a job description. | 2016-05-19 |
20160140505 | ASSEMBLING INFORMATION TO GENERATE COMPOSITE WEB PAGE CONTENT - 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. | 2016-05-19 |
20160140506 | Systems and Methods for Candidate Recruiting - Systems and methods for communicating with recruiting candidates in accordance with embodiments of the invention are disclosed. In one embodiment, a candidate recruiting server system includes a processor and a memory connected to the processor, wherein the candidate recruiting server system obtains candidate data, where the candidate data includes direct communication channel data and candidate capability data, obtains job opportunity data describing one or more job opportunities, identifies a set of target candidate data based on the candidate capability data and the job opportunity data, generates communication data including the direct communication channel data for the set of target candidate data, and transmits the communication data to client devices associated with the direct communication channel within the generated communication data. | 2016-05-19 |
20160140507 | OPTIMIZING SERVICE PROVIDER SCHEDULE AND ROUTE - A method, system or computer usable program product for optimizing a service provider schedule and route including receiving a service request from a customer, the service request including customer timing and location requirements; retrieving, from a service information system, service timing and inventory for performing a service to fulfill the service request; retrieving, from a scheduling system, a set of gaps in schedules that meet the customer timing and location requirements for a set of service providers which meet the service timing and inventory requirements, each schedule gap having a respective prior and subsequent location; utilizing a processor to determine an optimal schedule appointment for a first one of the set of service providers to perform the service during a first one of the set of schedule gaps, the optimal determination including service timing; transmitting an offer to the customer for the first service provider to perform the service to fulfill the service request during the optimal schedule appointment in the first schedule gap; and responsive to receiving a confirmation from the customer, scheduling the optimal schedule appointment during the first schedule gap of the first service provider. | 2016-05-19 |
20160140508 | MANAGING DYNAMICALLY SCHEDULABLE MEETINGS - Management of a dynamically schedulable meeting is provided. An application such as a calendar application detects a request to schedule the dynamically schedulable meeting. The request includes a time range and meeting attendees. Events on a calendar are analyzed to locate a timeslot for the dynamically schedulable meeting within the time range. The timeslot is identified. In response to a failure to identify the timeslot, other dynamically schedulable meetings are re-scheduled to generate the timeslot. The dynamically schedulable meeting is scheduled at the timeslot. | 2016-05-19 |
20160140509 | METHODS AND SYSTEMS FOR CREATING, MANAGING, AND COMMUNICATING CALENDAR ENTRIES AND CHANGES - Methods and systems for creating, managing, and communicating calendar entries and changes are described. In one example, the method includes receiving at a computing device, via a user interface, data related to an event. The data includes at least one of an event date, an event time, an event location, and an event type. The event data is stored in a memory of the computing device. The event data is transmitted, via a communication interface of the computing device, to user devices. Event confirmation data is received, via the communication interface, from the user device indicating receipt of the event data. | 2016-05-19 |
20160140510 | METHODS AND APPARATUS FOR USER-CUSTOMIZED ZONE FORMATION IN GEOGRAPHICALLY-BASED EVENT SCHEDULING - Methods and apparatus are provided to streamline event scheduling and facilitate commerce and interpersonal exchanges by providing and scheduling related events in user-customized zones in a geographic region. An automated event scheduling system obtains a geographic region, provides a zone request that specifies the geographic region to a remote user device, receives user-provided parameters from the remote user device, and divides the geographic region into zones based on the user-provided parameters. The automated event scheduling system can then provide a set of zone assignments that assigns the zones to the time slots, and transmits the set of zone assignments to the remote user device, which activates a scheduling client running on the remote user device to display, via a user interface, the set of zone assignments and enable a modification of the set of zone assignments. | 2016-05-19 |
20160140511 | FOR-YOUR-INFORMATION EVENTS - A for-your-information event can be received in a computer system. The for-your-information event can include an event time field that indicates a scheduled time for the for-your-information event. The computer system may not automatically block the scheduled time of the for-your-information event on a calendar in response to receiving the for-your-information event. User input indicating that the for-your-information event is to be converted to a regular event can be received. In response to the user input, the computer system can convert the for-your-information event to a regular event. Converting the for-your information event can include automatically including the scheduled time of the for-your-information event as a scheduled time for the converted regular event. Also in response to the user input, the computer system can automatically block the scheduled time of the for-your-information event on the calendar. | 2016-05-19 |
20160140512 | EVENT PLANNING WITHIN SOCIAL NETWORKS - Generating and updating event presentation user interfaces. Embodiments include identifying a first geographical location of a first computing device corresponding to a first invitee to an event, and a second geographical location of a second computing device corresponding to a second invitee. An event presentation user interface is generated, to include a first invitee presence indicator indicating that the first invitee is within a predetermined distance from a geographical location of the event, and a second invitee presence indicator indicating the second invitee is outside of the predetermined distance from the geographical location of the event. Based at least on the second computing device having moved to a third geographical location that is within the predetermined distance from the geographical location of the event, the second invitee presence indicator is updated to indicate that the second invitee is within the predetermined distance from the geographical location of the event. | 2016-05-19 |
20160140513 | TERMINAL APPARATUS, FAULT REPORT SYSTEM, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - A terminal apparatus includes a display and an input unit. The display displays at least an input screen for displaying plural entries to be input and a browsing screen for browsing the plural entries which have already been input. The input unit inputs the plural entries. The display displays the plural entries at different positions on the display between the input screen and the browsing screen. | 2016-05-19 |
20160140514 | Proactive Management of Devices - Proactive management of devices provided at a site includes, responsive to an indication that a part of a device at a site needs to be replaced at a specified replacement time, determining additional parts for replacement at the specified replacement time. | 2016-05-19 |
20160140515 | TASK-DIRECTING SYSTEM AND TASK-DIRECTING METHOD - A task-directing system that directs tasks for the purposes of repairing a device and including a storage unit, a processing unit, and an output unit wherein: the storage unit contains a diagnostic-information storage unit and a repair-probability storage unit; the diagnostic-information storage unit stores diagnostic information, said diagnostic information comprising a plurality of levels containing diagnostic tasks and action tasks for the purposes of repair, and the duration or cost of each task; for each action task, the repair-probability storage unit stores a repair probability indicating the probability that the device would be repaired by said action task; the processing unit has a repair-probability update unit and an optimal-task computation unit; on the basis of input diagnostic-task results, the repair-probability update unit updates the repair probabilities stored in the repair-probability storage unit. | 2016-05-19 |
20160140516 | INFORMATION SYSTEM AND METHOD FOR SELECTING AND REPRODUCING INFORMATION, PARTICULARLY FOR USE IN WORKSHOPS - An information system has: a component memory for storing component data sets; a component link device for creating component links in the one component link memory; a document memory for storing document data sets; a document link device for linking entries for components for which a component data set exists in the component memory to the corresponding component data set; and a document access device having a document selection device and an evaluation device that is fashioned to (i) identify first component data sets linked to a first document data set, (ii) identify second component data sets linked to the identified first component data sets, and (iii) identify second document data sets linked to the identified second component data sets. | 2016-05-19 |
20160140517 | NETWORK SYSTEM, AND SERVER APPARATUS, SERVER APPARATUS CONTROL METHOD, AND COMPUTER READABLE STORAGE MEDIUM FOR USE IN SAME - In a network system where a balance of virtual currency is recorded in data D | 2016-05-19 |
20160140518 | SECURE ONLINE COMMUNICATION THROUGH A WIDGET ON A WEB PAGE - A client device requests a web page via a network, where the web page is identified by an identifier and references a widget. In response to receipt of the requested web page, the client device requests the widget referenced by the web page and presents, within the requested web page, a presentation of the widget. Thereafter, in response to a user input via the presentation of the widget, information is transmitted via a secure connection between the widget on the client device and a server. The client device optionally presents confirmation of receipt of the information via the presentation of the widget while maintaining user context in the web page | 2016-05-19 |
20160140519 | AGGREGATING SYSTEM - A method of facilitating an on-line transaction, the method comprising determining a first format of transaction details as required by a merchant server for the processing of the transaction; acquiring user information relating to the transaction from a user in a second format; and transmitting the user information relating to the transaction to the merchant server in the first format. An associated apparatus is also described. | 2016-05-19 |
20160140520 | REAL TIME FUNDING SOLUTION FOR MISCELLANEOUS INCOME - Systems and processes for real-time instant funding solutions for miscellaneous income are disclosed. The method of funding miscellaneous income includes securely transmitting a funding information file or a real time funding transaction request with miscellaneous funding information to a funding card processing system using real-time web services APIs which are externally accessible by an external computing system, e.g., point of sale, time and labor or payroll system. The method further includes processing the funding information file with the funding card processing system, which includes at least identifying client information and a user receiving miscellaneous income contained within the miscellaneous funding information. The method further includes funding a payroll card of the identified user with the miscellaneous income received with the miscellaneous funding information of the funding information file. | 2016-05-19 |
20160140521 | SYSTEM AND METHOD OF SOCIAL CASH WITHDRAWAL - Systems and methods for locating a cash provider using location-based technologies and transfer funds include receiving a request for cash that includes location data obtained from a location-based technology from a withdrawing party device, searching a network of active providing parties for an available providing party based on withdrawing party preferences and the location data, transmitting an alert to an available providing party device, transmitting available providing party data to withdrawing party if the providing party has confirmed availability, receiving a request to transfer a withdrawal amount from an account associated with the withdrawing party device to an account associated with a selected providing party device, receiving confirmation from the withdrawing party device that the withdrawing party has received cash, transferring the withdrawal amount from the withdrawing party to the selected providing party, and transmitting an alert to the selected providing party device that the withdrawal amount has been transferred. | 2016-05-19 |
20160140522 | METHODS AND SYSTEMS FOR IMPLEMENTING DYNAMIC BILLING - Described herein are methods and systems for administering a life insurance policy that provide an alternative to the traditional approach by querying a client for a set of coverage objectives and using a set of algorithms to automatically adjust billed premiums on an ongoing basis to maintain the client-specified coverage objectives—a methodology referred to herein as “dynamic billing.” Dynamic billing enables clients to take corrective action sooner than it would otherwise be taken and/or provides an automated mechanism or prompt for clients to take such action on an ongoing basis. For example, in certain embodiments, the disclosed technology computes adjusted premiums and allows the policy owner to be billed the amount required to keep his/her policy on track with his/her current insurance policy objectives. | 2016-05-19 |
20160140523 | POSITION ADAPTIVE ATM FOR CUSTOMER PRIVACY - Embodiments of the invention are directed to a system, method, or computer program product for providing a position adaptive Automated Teller Machine (ATM) for customer privacy. In this way, the system senses, via a sensor, characteristics associated with the customer's portion relative to the ATM screen. The characteristics may include the stature of the customer, the relative proximity the customer is to the ATM, eye tracking or the like. Once the characteristics associated with the customer are determined the system may make adjustments via software and/or hardware to the ATM in order to present display information from the ATM in a private manner. | 2016-05-19 |
20160140524 | DECOY SENSOR SYSTEM FOR AUTOMATED TELLER MACHINES - Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream. | 2016-05-19 |
20160140525 | STORING TRANSACTION DETAILS FOR MOBILE TELEPHONE TOP UPS VIA AUTOMATIC TELLER MACHINES - Methods and apparatus for operating an automatic teller machine (ATM) to perform a mobile telephone top up. In an embodiment, a card reader associated with an ATM processor reads a card account number and receives, via an input device, an indication from the cardholder to perform a mobile telephone top up transaction. The ATM processor then transmits a request for prior top up transaction data to a service provider computer, receives the requested data, displays it on a display screen, receives a selection by the cardholder of a mobile telephone carrier and a mobile telephone number, and receives an amount of money indication to apply. The ATM processor then transmits a second request to the service provider including the amount of money indication and the selection from the displayed prior top up transaction data. | 2016-05-19 |
20160140526 | Smart Appliance Processing System and Associated Methods - Smart appliance processing systems and methods for enabling dynamic control and management of electronically stored consumables inventories are provided. A smart server acquires electronically from a merchant product data concerning one or more consumables acquired at the merchant during one or more purchase transactions conducted by a customer in association with an identifier of the customer. Based on mapping data maintained by the smart server, the smart server matches the identifier with a respective client smart appliance system of the customer. The smart server then transmits electronically the product data towards the client smart appliance system for updating an electronic consumables inventory maintained by the client smart appliance system for the first customer. | 2016-05-19 |
20160140527 | Digital Contents sales Server and the Method and Program - The present invention provides a digital content sales server supporting a digital content provider in selling digital content. The digital content sales server | 2016-05-19 |
20160140528 | Client Entry and Maintenance System for Timekeeping and Billing forProfessional Services System and Method - The present invention consists of an improved billing system for professional companies and firms with enhanced handing of all client data including names, addresses, websites, phone numbers, fax numbers and the like. The present invention can also track mergers and acquisitions of clients, write offs, taxing structure for bills, and it may display client data according to the security level or staff function of the person attempting to access the data. It can provide mass discounts on bills, and store various client fee arrangements, which are linked to the client data. In many ways the efficient handling of numerous fields of client data information is provided. | 2016-05-19 |
20160140529 | Client entry and maintenance system for timekeeping and billing for professional services system and method - The present invention consists of an improved system and method for generating flat fee bills and interim bills to professional service clients where the system will automatically assign a flat fee amount to a client's matter, task or activity and then the final bill amount issued to the client will not exceed the flat fee contractually agreed upon. The flat fee payment amount may be billed each time a matter, task, or activity is mentioned in a client bill. An interim bill also may be generated for a client at anytime in order to collect retainers and advance funds. The improved method and system is directed to use in professional services firms such as law, engineering, architecture, accounting and the like. | 2016-05-19 |
20160140530 | Method of Governing Content Presentation and the Altering of Multi-Page Electronic Documents - A method of governing content presentation includes creating a document file including content presented to a user in sequential units on a display device. A current version of the content is presented in which fewer than all of the units are viewable. After the user performs a predetermined action, a subsequent version of the content is presented. Unviewable units of content in the current version are viewable in the subsequent version. Alternatively, a delimiter is inserted in the document file and after passing the delimiter while viewing content, the subsequent version is presented. An integrated device includes a microprocessor device, an electronic display device, and a storage medium that includes intransient instructions in a variable computer-readable document file that can be implemented by the microprocessor device to cause a document to be displayed to a user on the electronic display device according to instructions included in a program file. | 2016-05-19 |
20160140531 | Systems and Method for Selling Content Over a Network - A method to generate revenue from supplied content is provided. Content is provided to a consumer via a network by providing a content service that allows the consumer to select and retrieve content as a package together with a clearing of the selectable content to an operator used by the consumer to select and retrieve the content via the network. Any content selected by the consumer is supplied directly to the consumer via the operator. The operator is charged for the supplied content. | 2016-05-19 |
20160140532 | TECHNIQUES FOR EMBEDDING VIRTUAL POINTS OF SALE IN ELECTRONIC MEDIA CONTENT - A method for embedding a virtual point of sale in electronic media content. The method comprises: identifying product-related information of at least one product in the electronic media content, wherein the electronic media content does not explicitly offer to sell the at least one product; identifying at least one vendor having the at least one product in stock, wherein the at least one product is interrelated to the identified product-related information, wherein identification is based on an estimated inventory of each of the at least one product for each of the at least one vendor; generating a virtual point of sale based on the identified at least one vendor and the identified at least one product; and causing a display of the generated virtual point of sale on the electronic media content. | 2016-05-19 |
20160140533 | System and Method for Assessing and Collecting Taxes for Motor Vehicle Fuel at the Point of Sale - A system and method for assessing and collecting taxes for fuel for motor vehicles at the point of sale through use of a vehicle identification device; a reader or scanner to receive and process information received or obtained from the vehicle identification device; a tax rate and price determination controller that can determine an appropriate tax rate to be added to a base fuel price; a dispensing device configured to dispense motor fuel to an identified vehicle and track the quantity of motor fuel dispensed; a payment processor that can determine a total purchase price having at least a base fuel price component and at least one fuel tax component, and execute a payment transaction for a particular method of payment; and a payment distribution controller that can allocate portions of the total purchase price to an identified account and execute or report such distributions. | 2016-05-19 |
20160140534 | INFORMATION PROCESSING APPARATUS, STORE SYSTEM AND METHOD - An information processing apparatus comprises an image capturing module configured to photograph an object held over an image capturing section; a first recognition module configured to compare a feature amount of the object photographed by the image capturing module with a feature amount for collation of each of commodities pre-stored in a dictionary to obtain a similarity degree therebetween and recognize, from different commodities, a commodity matching with the object through the similarity degree; a display control module configured to display, on a first screen, a first input section corresponding to the commodity recognized by the first recognition module and a second input section corresponding to commodities in advance; an input module configured to receive the selection on the first or second input section displayed by the display control module; and a registration module configured to sales-register the commodity corresponding to the first or second input section received by the input module. | 2016-05-19 |
20160140535 | PAYMENT SYSTEMS AND METHODS FOR MANAGING PAYMENT CARD USE - A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier. | 2016-05-19 |
20160140536 | Mobile Phone Payment System using Integrated Camera Credit Card Reader - A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details. | 2016-05-19 |
20160140537 | SYSTEMS AND METHODS FOR ADAPTIVE ROUTING FOR MULTIPLE SECURE ELEMENTS - A method for wireless communication is described. The method includes using a routing table for multiple secure elements. The routing table assigns a preferred secure element for a transaction type. The method also includes selecting a first secure element for a transaction based on the routing table. The method further includes updating the routing table based on a received command to use a second secure element to complete the transaction. | 2016-05-19 |
20160140538 | MOBILE DEVICE LOCAL INTERRUPTION OF TRANSACTIONS - A system method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics or a combination of the two. The invention has the advantage over prior art centralized authentication and fraud detection systems in that the it is more precise indentifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared in the prior art. | 2016-05-19 |
20160140539 | RELAY ATTACK DEFENSE SUPPORT SYSTEM - In some examples, a method to defend against relay attacks includes recording a first representation of a motion signal associated with a mobile device. The first representation of the motion signal is obtained by remotely sensing the motion of the mobile device. The method also includes receiving data indicative of a second representation of the motion signal associated with the mobile device. The second representation of the motion signal is obtained by sensing the motion of the mobile device in-situ. The method also includes comparing the first representation of the motion signal with the second representation of the motion signal and verifying, based on the results of the comparison, that a relay attack is not present when the first representation of the motion signal is substantially similar to the second representation of the motion signal. | 2016-05-19 |
20160140540 | BACKGROUND OCR DURING CARD DATA ENTRY - Financial transaction card data can be entered by providing a picture of the card to a server programmed with a text recognition algorithm. The server can perform text recognition on the image at the same time that a consumer enters additional required data, such as a zip code. The server can perform as much text recognition processing as possible in the time the consumer is entering the additional data. Once the additional data is received, a signal can be provided to the server indicating that the user is now waiting for results of the text recognition process, meaning the server should provide them as quickly as possible. Once text recognition results are received, a consumer can make a selection to identify a character which the text recognition algorithm did not sufficiently identify. Based on known account number constraints, the user selection can cause multiple characters to be identified. | 2016-05-19 |
20160140541 | AUTOMATICALLY COMMUNICATING USER DEVICE DATA TO A TRANSACTION COMPUTING SYSTEM - Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data. | 2016-05-19 |
20160140542 | MULTIPLE TOKENIZATION FOR AUTHENTICATION - Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier. | 2016-05-19 |
20160140543 | Secure Payment and Reporting System - Payment data is received from a client device at a payment application in a reporting system. The payment data includes sensitive payment data required for processing a payment and non-sensitive payment data required by a report recipient that describes the processed payment. The payment data is separated into the sensitive payment data and the non-sensitive payment data. An electronic report is generated, by a report generator, which describes the payment. The generating includes: accessing a data warehouse storing at least one report template required by the report recipient, creating the electronic report based the stored report templates. And populating the electronic report with a portion of the non-sensitive payment data and excluding any of the sensitive payment data. The electronic report is transmitted to the report recipient over the communication network by the payment application. The sensitive payment data is transmitted to a payment processor over the communication network. | 2016-05-19 |
20160140544 | SYSTEMS AND METHODS FOR EFFECTIVELY ANONYMIZING CONSUMER TRANSACTION DATA - Systems and methods are described that anonymized consumer transaction data in such manner to prevent de-anonymization to reveal personally identifiable information (PII) of the consumers. The process includes selecting particular consumer transaction data, generating a dictionary of items, generating consumer groups, matching consumer transaction data for each consumer to a group, forming modifiable consumer transaction histories, and quantifying a similarity between consumer groups. In some embodiments, the process includes discarding consumer groups that contain less than a threshold number of consumers, selecting at least one consumer group that contains at least a threshold number of consumers as the anonymized consumer transaction dataset, and providing the anonymized consumer transaction dataset to a third party for analysis. | 2016-05-19 |
20160140545 | CLOUD-BASED TRANSACTIONS WITH MAGNETIC SECURE TRANSMISSION - Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds. | 2016-05-19 |
20160140546 | PROCESSING ELECTRONIC TOKENS - Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response. | 2016-05-19 |
20160140547 | SYSTEM AND METHOD FOR PROVIDING TRANSACTION VERIFICATION - A transaction verification process performed by a transaction network operator in communication with a client computing device and a third party provider. A computing device may be equipped with an integrity verification module for verifying the system integrity of the computing device, and a cryptographic module for digitally signing transaction requests. The transaction network operator may verify that transaction requests processed by the third party provider are properly associated with a valid computing device by verifying signatures from the cryptographic module and the integrity verification module. In response to a request from the third party provider, the transaction network operator may verify that the computing device is authorized to complete the transaction by challenging the computing device for proper credentials. The transaction network operator may verify the credentials provided by the client device and indicate to the third party provider that the transaction is valid. | 2016-05-19 |
20160140548 | METHOD FOR PERFORMING NON-REPUDIATION, AND PAYMENT MANAGING SERVER AND USER DEVICE THEREFOR - A method for implementing non-repudiation of payment in a payment managing server includes receiving, from a user terminal, a terminal public key of a pair of asymmetric keys generated by the user terminal, receiving user authentication information, the user authentication information having been generated by a user authentication server and transmitted to the user terminal, storing the received terminal public key when validity of the user authentication information is confirmed through a communication with the user authentication server, receiving a payment request from the user terminal, receiving, from the user terminal, electronic signature information that has been encrypted with a terminal private key of the pair of asymmetric keys and decrypting the electronic signature information using the stored terminal public key, is provided. | 2016-05-19 |
20160140549 | MODULE ID BASED TARGETED MARKETING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 2016-05-19 |
20160140550 | Ensuring Information Security Using One-Time Tokens - Methods, systems, and computer-readable media for ensuring information security using one-time tokens are presented. In one or more embodiments, a computing platform may receive, from a user device, a request to access an online banking portal using a user account. Based on the request, the computing platform may generate and send a notification to a registered mobile device linked to the user account. After sending the notification, the computing platform may generate a one-time token message that includes a prompt for authorizing the user device to access the online banking portal using the user account. The computing platform then may send the one-time token message to the mobile device and receive token response input from the mobile device. Based on the input, the computing platform may prevent the user device from accessing the online banking portal or, alternatively, may provide the user device with access to the online banking portal. | 2016-05-19 |
20160140551 | MOBILE DEVICE INCREMENTAL BEHAVIORAL PROFILE UPDATES - A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two. The invention has the advantage over the prior art centralized authentication and fraud detection systems in that it is more precise in identifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared to the prior art. | 2016-05-19 |
20160140552 | MULTIMEDIA DATA PROCESSING DEVICE, USER TERMINAL, AND MULTIMEDIA DATA PROCESSING SERVER - The present application relates to a multimedia data capture and processing (C&P) device. In an example, the multimedia data C&P device comprises a multimedia sensor configured to capture a first multimedia data; and a device processor configured to obtain a preset information, and generate a second multimedia data according to the first multimedia data and the preset information, at least a part of the second multimedia data presenting the preset information. The present application also relates to a user terminal and multimedia data processing server. | 2016-05-19 |
20160140553 | AUTHENTICATION AND TRANSACTIONS IN A THREE-DIMENSIONAL IMAGE ENHANCING DISPLAY DEVICE - A computerized method for facilitating a purchase transaction for a user in a first reality environment. The method includes receiving at least one level of authentication data of the user from a three-dimensional image enhancing device. The at least one level of authentication data is transmitted to a central computing device for comparing the at least one level of authentication data to a set of known authentication data of the user stored in a memory. In response to receiving a confirmation from the central computing device, an object is provided to the user for purchase in the first reality environment via the three-dimensional image enhancing device. An interaction of the user to interact with the object in the first reality environment is identified. The method completes the purchase transaction if it is determined that the interaction is to complete the purchase transaction of the object. | 2016-05-19 |
20160140554 | METHOD AND SYSTEM FOR CONDUCTING RESOURCE TRANSFER USING A SOCIAL NETWORKING APPLICATION - A computer server receives a structured message from a first user terminal, the structured message including an event title, one or more recipient user accounts and respective resources requested from the recipient user accounts, and a requesting user account. For each recipient user account, the computer server sends a structured request to a respective user terminal associated with the recipient user account and receives a structured response from the respective user terminal, the structured response including the event title, the requesting user account, and an authorization of transferring a predefined amount of resource to the requesting user account. The computer server then performs a resource transfer operation between the recipient user account and the requesting user account in accordance with the predefined amount and sends structured messages to the respective user terminals, the structured messages indicating a completion of the resource transfer. | 2016-05-19 |
20160140555 | SYSTEMS AND METHODS FOR GENERATING SUGGESTIONS AND ENFORCING TRANSACTION RESTRICTIONS - A user traveling abroad may decide to make a purchase transaction from a merchant, or exchange cash to foreign currency, or withdraw foreign currency from a funding source of the user. A service provider server may determine exchange rates and transaction fees for different funding sources of the user and/or at different currency exchange locations. The service provider server may further suggest a particular funding source and/or a currency exchange location. The user may conveniently make an informed decision regarding which currency exchange location to go to and which funding source to use. After the trip, the user may have leftover foreign currency. The user may exchange the foreign currency for credit in a restricted account that can be used to make purchases but cannot be cashed out. The credit may be converted to domestic currency and may conveniently be used to make purchases. | 2016-05-19 |
20160140556 | METHOD AND SYSTEM FOR DETERMINING AFFILIATION OF FOREIGN PAYMENT CARD HOLDERS WITH DOMESTIC EDUCATIONAL INSTITUTIONS - A method and a system are provided determining affiliation of foreign payment card holders (e.g., students) with domestic educational institutions (e.g., universities and colleges). In particular, the present disclosure provides a method and a system for assessing the relative degree of proximity of the residential geolocation of the foreign payment card holders and the geolocation of the domestic educational institutions to facilitate determining whether the foreign payment card holders are affiliated with the domestic educational institutions, and also for assessing purchasing and payment behavior of the foreign payment card holders at domestic merchants. Predictive behavioral profiles are generated based on the purchasing and payment activities and shopping patterns of the foreign payment card holders by date at the domestic merchants, and the relative degree of proximity of the residential geolocation of the foreign payment card holders with the geolocation of the domestic educational institutions. | 2016-05-19 |
20160140557 | E-COMMERCE BASED PAYMENT SYSTEM WITH AUTHENTICATION OF ELECTRONIC INVOICES - A payment website coordinates payment transactions related to purchases by account holders from merchants. Merchants may open transactions and request authorization from the account holders' account issuers. Upon receipt of a favorable authorization response in a particular transaction, the website may permit the merchant to append an invoice to the transaction on the website for validation by the account issuer. The account issuer may confirm that the invoice meets requirements for an applicable financing program. After validation of the invoice, the payment website may contact the account holder to obtain authentication by the account holder of the invoice and the transaction. | 2016-05-19 |
20160140558 | PROVIDING ONLINE CARDHOLDER AUTHENTICATION SERVICES ON-BEHALF-OF ISSUERS - Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing. | 2016-05-19 |
20160140559 | PROCESSING SYSTEM - The present invention provides processing system that comprises an issuer function and a merchant function as part of a card processor. The issuer function is arranged to receive a first authorisation request from a first card scheme administrator associated with a first transaction card, the first authorisation request relating to a card transaction made by a cardholder using the first transaction card at a card acceptor and including a number of data elements. A mapping function is provided in the card processor that is arranged to convert the first authorisation request into a second authorisation request, the second authorisation request relating to a transaction associated with an account held with an institution, wherein the mapping function is arranged to use contents of at least some of the data elements of the first authorisation request to form the second authorisation request. The merchant function is arranged to send the second authorisation request to the issuer of the institution of the account, and to receive a first authorisation response from the institution, the first authorisation response including a number of data elements. The mapping function is then arranged to convert the first authorisation response into a second authorisation response, the second authorisation response relating to the card transaction made by a cardholder, wherein the mapping function is arranged to use contents of at least some of the data elements of the first authorisation response to form the second authorisation response. The issuer function is arranged to send second authorisation response to the card acceptor via the first card scheme administrator. | 2016-05-19 |
20160140560 | AUTONOMOUS FRAUD INTERROGATION BY MOBILE DEVICE - A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two. The invention has the advantage over the prior art centralized authentication and fraud detection systems in that it is more precise in identifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared to the prior art. | 2016-05-19 |
20160140561 | FRAUD PREVENTION BASED ON USER ACTIVITY DATA - A user conducts activities, such as researching a product online or visiting a store that sells the product. A user then utilizes a risk analysis system to receive and store user activity data for the user's activities. When a purchase attempt is made with the user's financial account, a merchant sends a transaction request to the risk analysis system. The risk analysis system locates a record for the user and determines whether the product is identified in the user activity data. If the product is identified, the risk analysis system provides a risk score to the merchant indicating that the transaction is unlikely fraudulent. Alternatively, identification of the product provides a positive factor among multiple factors considered in a transaction risk analysis. An absence of the product in the activity can be used as a neutral or negative factor among multiple factors considered in a risk analysis of the transaction. | 2016-05-19 |
20160140562 | SYSTEMS AND METHODS FOR DETECTING TRANSACTION CARD FRAUD BASED ON GEOGRAPHIC PATTERNS OF PURCHASES - A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel. | 2016-05-19 |
20160140563 | DUAL SENSOR CONTROLLERS FOR AUTOMATED TELLER MACHINES - Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream. | 2016-05-19 |
20160140564 | MOBILE DEVICE FRAUD DETECTION USING LOCALLY STORED BEHAVIORAL INFORMATION OF OTHERS - A system; method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two. The invention has the advantage over the prior art controlized authenication and fraud detection systems in that it is more precise in identifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared in the prior art. | 2016-05-19 |
20160140565 | REFRESHING A BEHAVIORAL PROFILE STORED ON A MOBILE DEVICE - A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two. The invention has the advantage over the prior art centralized authentication and fraud detection systems in that it is more precise in identifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared to the prior art. | 2016-05-19 |
20160140566 | SECURE TRANSMISSION OF PAYMENT CREDENTIALS - An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server. | 2016-05-19 |
20160140567 | MODEL-BASED PREDICTION OF AN OPTIMAL CONVENIENCE METRIC FOR AUTHORIZING TRANSACTIONS - The present disclosure describes systems and methods for authorization. The method may include accessing, by an authorization engine for a transaction by a user, an activity pattern model of the user from a database. The activity pattern model of the user may be indicative of a geospatial behavior of the user over time. The authorization engine may determine a set of sensors available for facilitating the transaction, each of the sensors assigned with a usability value prior to the transaction. The authorization engine may access an activity pattern model of the sensors, the activity pattern model of the sensors indicative of geospatial characteristics of one or more of the sensors over time. The authorization engine may determine a convenience metric for each of a plurality of subsets of the sensors, using the activity pattern model of the user, the activity pattern model of the sensors, and usability values of corresponding sensors. Each of the plurality of subsets may include corresponding sensors that can be used in combination to facilitate the transaction. The authorization engine may select, using the determined convenience metrics, a subset from the plurality of subsets to use for the transaction. | 2016-05-19 |
20160140568 | Credential Verification And Analysis System For Professional And Networking Platforms - A data submission and evaluation system is disclosed. The information items are assigned preference value of a plurality associated with one or more items. Data items are verified individually and in combination to generate ranking indices and professional profiles to visualize and share. | 2016-05-19 |
20160140569 | AUTHENTICITY LABEL FOR ITEMS - Disclosed are various embodiments of multi-layer identifier labels. In one embodiment, a multi-layer identifier label includes an upper layer bearing a public identifier, a lower layer bearing a private identifier, and an adhesive backing below the lower layer. The upper layer may be removably attached to the lower layer, and the lower layer may be non-visible underneath the upper layer. Peeling away the upper layer to reveal the lower layer may be a tamper-evident action. | 2016-05-19 |
20160140570 | TRACKING AND VERIFYING AUTHENTICITY OF ITEMS - Disclosed are various embodiments for tracking and verifying the authenticity of items. Public and private unique identifiers are generated for an item, and an identifier label is printed and affixed to the item. The public identifier is visible, but the private identifier is not visible unless a tamper-evident action is performed. Events involving scans of the public identifier are recorded. The private identifier is scanned by a client, and in response, authenticity information for the item is sent to the client. The authenticity information is determined based at least in part on the events relative to the public identifier. | 2016-05-19 |
20160140571 | SYSTEM AND METHOD FOR REMOTELY ASSESSING THE STATUS OF MOVABLE / NON- MOVABLE ASSET - The present invention relates to a system and method for remotely accessing the status of a movable/non-movable asset within a network. The client initiates a verification request through a mobile interface and allows the customer to capture the movable/non-movable asset details for analyzing and generating the verification report of the movable/non-movable asset. Based on the verification report generated for the movable/non-movable asset, the client can assess the status of the movable/non-movable asset. | 2016-05-19 |