25th week of 2019 patent applcation highlights part 57 |
Patent application number | Title | Published |
20190188650 | TIME-MANAGEMENT PLANNER FOR WELL-BEING AND COGNITIVE GOALS - A time-management planning method, system, and computer program product, includes determining at least one of a cognitive state and a contextual state of a user, compiling a specification of a cognitive goal associated with accomplishing a scheduled task for a period of time, and performing a planning action, via a time management software platform, to adjust the scheduled task based on the specification of the cognitive goal and the at least one of the cognitive state and the contextual state of the user. | 2019-06-20 |
20190188651 | Methods for Cloud Processing of Vehicle Diagnostics and Providing Electronic Keys for Servicing - A method and system for diagnosing and providing access to a vehicle for servicing the vehicle are provided. One method is provided for accessing the vehicle for servicing the vehicle. The method includes receiving, by a server, vehicle data that is used for diagnostics of the vehicle. Recommending, via the server, a service job needed for the vehicle based on the diagnostics. Receiving, by the server, approval from a user account associated with the vehicle to process the service job on the vehicle. The approval includes approval of a service provider to perform the service job on the vehicle. Generating an electronic key by the server for the vehicle for performing the service job on the vehicle by the service provider. The electronic key has a set of restrictions that limit types of access and use of the vehicle for when the service provider performs the service job on the vehicle. The method then includes sending the electronic key to the service provider. The electronic key is usable by the service provider based on the set of restrictions. | 2019-06-20 |
20190188652 | SYSTEM AND METHOD FOR IMPLEMENTING AN INTERBANK INFORMATION NETWORK - The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools. | 2019-06-20 |
20190188653 | DIGITAL SECURITIZATION, OBFUSCATION, POLICY AND COMMERCE OF EVENT TICKETS - The present disclosure provides systems and methods that may convert traditional tickets into secure digital assets protected by cryptographic public/private keys that deploy these tickets on a blockchain. By structuring these tickets as smart digital contracts, such system can act as a self-policing escrow while simultaneously allowing ticket issuers greater control over the tickets after the tickets leave the ticket issuers' possession. The system can incorporate specific capabilities into the digital assets to provide an increased level of multiple ownership, security granularity, and sales restrictions in ticket transactions. | 2019-06-20 |
20190188654 | RESOURCE POOLING AND SHARING USING DISTRIBUTED LEDGER SYSTEMS - Implementations of the present disclosure include methods, systems, and computer-readable storage mediums for receiving, from a first computing device, a request for a transaction to be executed during a cooperative effort, the request requesting resources, each resource being associated with an amount of digital currency, receiving, from a second computing device, a response to the request, the response indicating that a second entity at least partially fulfills the request, recording the request and the response in a DLS, each of the first computing device and the second computing device communicating with the DLS, logging the request and the response in respective resource planning systems of the first entity and the second entity, the resource planning systems communicating with respective nodes of the DLS, and, upon ending of the cooperative effort, facilitating reconciliation between the first entity and the second entity based on transaction data recorded in the DLS. | 2019-06-20 |
20190188655 | DYNAMIC BLOCKCHAIN TRANSACTIONAL POLICY MANAGEMENT - An example operation may include one or more of receiving a request to execute a blockchain transaction from a user device that is associated with a user account, determining whether to perform the blockchain transaction based on a dynamic participation policy of the user account, the dynamic participation policy being dynamically determined based on previous blockchain transactions of one or more of the user account and of other user accounts, and, in response to determining to perform the blockchain transaction, executing the blockchain transaction on behalf of the user account via a smart contract and storing information about the executed blockchain transaction. | 2019-06-20 |
20190188656 | SYSTEM AND METHOD FOR EXCHANGING ITEMS - The present disclosure describes a cloud-based software platform with a corresponding mobile application or app executing on a mobile device that enables an online exchange environment where users conveniently swap goods such as clothing. The app allows users to swap or trade clothing using an in-app virtual currency that may be accrued by participating on online exchange of goods through the app. Sellers list their items with along with one or more photographs of the item and a target price denominated in diamonds into a searchable data store. Buyers can search the database and purchase items using their accrued in-app virtual currency. | 2019-06-20 |
20190188657 | METHOD AND SYSTEM FOR OUTSIDE GUARANTEES FOR A BLOCKCHAIN TRANSACTION - A method for guaranteeing a blockchain transaction includes: storing account profiles, each related to a transaction account including a current balance and identification data; receiving a blockchain transaction request including a sending identifier, receiving identifier, and blockchain currency amount; transferring an alternative currency amount based on the blockchain currency amount from a first account profile including the sending identifier to a second account profile including the receiving and sending identifiers; restricting access to the current balance in the second account profile from the first account; receiving a confirmation of a blockchain transaction within a predetermined period of time; and transferring, from the second account profile, the alternative currency amount to the first account profile if the confirmation is received within the predetermined period of time, or to a third account profile including the receiving identifier if the confirmation is not received within the predetermined period of time. | 2019-06-20 |
20190188658 | SYSTEM AND METHOD FOR USER-DIRECTED DONATIONS - Embodiments described herein provide for a system and method for user-directed donations over a network. Each user within the network selects a plurality of charities to donate monetary differences from transactions on a financial statement. The user may select specific percentages of each monetary difference to be directed to user-specified charities. | 2019-06-20 |
20190188659 | SYSTEM TO ALLOCATE PAYROLL FUNDS TO PREPAID INSTRUMENTS - A payroll management system receives employee enrollment in a program for having proceeds from a paycheck allocated to one or more gift cards, with net proceeds after the allocation deposited into a demand deposit (checking) account or any other deposit mechanism such as an open loop credit instrument. The gift cards are used at specified retailers, and automatically provide discounts on goods/services purchased using the cards. | 2019-06-20 |
20190188660 | PAYMENT APPARATUS AND METHOD FOR ENABLING A PAYMENT DEVICE FOR REMOTELY ACCESSING A TRANSACTION - According to the first aspect, there is provided a payment apparatus for enabling a payer device for effecting a transaction, the payer device operationally communicable with the apparatus, the payment apparatus comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus at least to: receive, from the payer device, a request to remotely access the transaction, the request including user information verifying the user; enable the payer device to remotely control the transaction in response to receiving the request; receive account information that is remotely input via the payer device, the account information relating to an account to be used for the transaction. | 2019-06-20 |
20190188661 | METHOD AND SYSTEM FOR AUTOMATICALLY COLLECTING PAYMENT FOR A CREDIT ACCOUNT - A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days. | 2019-06-20 |
20190188662 | SYSTEMS AND METHODS FOR IMPROVING ERROR TOLERANCE IN PROCESSING AN INPUT FILE - A computer system including a processor, in communication with a database, programmed to identify a plurality of billers from the database, including biller information, and receive a payee file including payee information identifying a payee which issued a bill to a payor. The processor determines an approximate match score for each of the billers in a first set of billers of the plurality of billers by comparing payee information to biller information and identifies a candidate list of billers from the first set of billers having an approximate match score indicating a likelihood of matching the payee information. The processor adjusts the candidate list of billers by altering the match score of at least one candidate biller by comparing a payee account number of the payee information to an account mask associated with the candidate biller and generates an output file of candidate biller information from the adjusted candidate list. | 2019-06-20 |
20190188663 | METHOD FOR RELAYING PAYMENT USING REPRESENTATIVE CARD AND PAYMENT GATEWAY SERVER - Provided are a method of relaying, by a payment gateway server, a payment using a representative card connected to a plurality of general cards, the method comprising steps of: (a) acquiring card information of a card set as a payment card among the plurality of general cards connected to the representative card when a payment approval is requested using the representative card; and (b) requesting the payment approval to a card company server using the acquired card information of the payment card and processing such that the payment approval made using the payment card is completed. | 2019-06-20 |
20190188664 | CARDLESS CHALLENGE SYSTEMS AND METHODS - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis. | 2019-06-20 |
20190188665 | Paperless Payment System and Method Thereof - A paperless payment system includes a payment center which makes a payment according to a preset paperless payment file, wherein the paperless payment file further comprises at least a payment plan. The payment center verifies current payment information with the payment plan of the paperless payment file. If the current payment information conforms to the payment plan, the payment center makes a payment according to the payment plan of the paperless payment file. | 2019-06-20 |
20190188666 | SYSTEM AND METHOD FOR GEO-AWARE TRANSPORTATION BILLING VERIFICATION - A geo-aware transportation verification system and is disclosed. A processor receives a billing request for payment, including an actual geolocation and an actual time and date. The processor compares a service request to a billing request to determine whether a driver is within a field of acceptability. There are at least three types of fields of acceptability for assisting billing verification, where one may be active at a time. The processor automatically adjusts the billing request to match the service request if the driver is within a field of acceptability for geolocation and time. The processor conditionally rejects a billing request if the driver is not within the field of acceptability and provides a user engagement panel on which the user is allowed to submit billing relevant data for further verification. The field of acceptability is updated dynamically based on collected data. | 2019-06-20 |
20190188667 | DIGITAL PAYMENT AND VENDING SYSTEM - An example of a digital payment and vending system includes a vending device operable to deliver a product or service in response to payment and a wireless certificate reader for the vending device. A near-field communications device communicates with a mobile computing device in proximity to the vending device to receive a digital certificate from a mobile computing device. The digital certificate confirms payment by a third-party payment processor without the wireless certificate reader having to communicate directly with the third-party payment processor. A local computing device with memory for the wireless certificate reader compares the digital certificate with pre-stored data in the memory of the wireless certificate reader to confirm that the digital certificate received from the mobile computing device is authorized. Payment is made by the third-party payment processor without an end-user providing any personal payment information to the vending device. | 2019-06-20 |
20190188668 | METHOD AND APPARATUS FOR CUSTOMER NOTIFICATION SYSTEM - A method for beacon device-based customer notifications is provided. The method is implemented by a computing device including a processor. The method includes receiving, from a beacon device, a beacon device advertisement that includes a universally unique identifier (UUID), a major identifier, and a minor identifier. The method also includes identifying, based on at least one of the UUID, the major identifier, and the minor identifier, that the beacon device is associated with an agent location, where the agent location is corresponds to a bill payment and money transfer facility. The method further includes generating a payment notification for display on the computing device, where the payment notification includes payment data and agent location data, receiving, from a user, an instruction to prepare to make a payment at the agent location, and causing the agent location to stage the payment for completion by the user. | 2019-06-20 |
20190188669 | SYSTEM AND METHOD FOR FACILITATING A COMBINED PURCHASE OF ONLINE AND IN-STORE PRODUCTS - System and method for facilitating a combined purchase of online products and in-store products. The system comprising a payment processor module that is configured to: (i) receive data corresponding to: (a) a total price of one or more in-store products to be purchased at a physical store; (b) a total price of one or more online products to be purchased using an e-commerce platform; and (c) a combined payment amount for the in-store and the online products made by a purchaser of the in-store and the online products during a check-out procedure; and (ii) generate a product release message on a condition that the combined payment amount corresponds with the total price of the in-store products and the total price of the online products. | 2019-06-20 |
20190188670 | COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR PROCESSING A PAYMENT TRANSACTION AT A POINT-OF-SALE TERMINAL - A payment network server for processing a payment transaction at a point-of-sale terminal is described. The server comprises a transaction module, a query module and a transfer module. The transaction module is configured to: (i) receive a payment transaction request comprising at least transaction details and a fund transfer indicator, the transaction details comprise at least a customer identifier, a merchant identifier, and a payment amount, the fund transfer indicator indicating that the payment transaction is to be processed by fund transfer; and (ii) transmit a payment transaction response indicating if the payment transaction is approved or refused to proceed. | 2019-06-20 |
20190188671 | SYSTEM AND METHOD FOR EVALUATING TRANSACTION PATTERNS - Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes. | 2019-06-20 |
20190188672 | VIRTUAL POINT OF SALE - A merchant registers a geolocation for a virtual point of sale. A consumer points a consumer device at the geolocation, and an icon representing the virtual point of sale is displayed on the consumer device in augmented reality. The consumer selects the icon to initiate a transaction with a digital wallet on the consumer device. | 2019-06-20 |
20190188673 | COMMODITY INFORMATION READING APPARATUS - A commodity information reading apparatus includes a first support configured to support a commodity to be read. A wireless tag receiving unit is located at an upper part of the first support, includes an antenna for transmitting and receiving a signal, and is configured to receive first commodity identification information identifying the commodity that responds to the signal transmitted from the antenna, from a wireless tag attached to the commodity moved within a predetermined receivable area provided in the upper part of the first support. | 2019-06-20 |
20190188674 | PRINTER DEVICE - A printer device includes: a receiver configured to receive pieces of information from a host device; a storage configured to store output information among the pieces of information received by the receiver; a printer configured to print information on a sheet based on printing information; a display communication device configured to transmit display information to a display device; an output destination selection module configured to select an output destination of the output information stored in the storage based on instruction information among the pieces of information received by the receiver from the host device; a display information generation module configured to generate, when the output destination selected by the output destination selection module is the display device, the display information based on the output information stored in the storage; a display communication device configured to output the display information generated by the display information generation module to the display device; and a printing controller configured to output, when the output destination selected by the output destination selection module is the printer, the printing information that is based on the output information stored in the storage, to the printer, wherein the display communication device configured to output the display information generated by the display information generation module to the display device. | 2019-06-20 |
20190188675 | METHOD AND APPARATUS FOR PERFORMING PAYMENT FUNCTION IN LIMITED STATE - A user terminal supporting mobile payment service is provided. The user terminal includes a display, a memory in which a payment application is stored, and a processor configured to run the payment application. If at least one specified user input occurs on the display while in a locked state, the processor runs the payment application without unlocking the locked state. Thus the payment application may be quickly launched from the locked state. | 2019-06-20 |
20190188676 | PAYMENT CODE GENERATION USING A WIRELESS BEACON AT A MERCHANT LOCATION - There are provided systems and method for payment code generation using a wireless beacon at a merchant location. A check-in at a merchant location may be completed using a wireless beacon at the merchant location with a communication device. After check-in a user using the communication device may request a payment code be generated from a payment provider that enables the user to have the payment code scanned by a merchant scanner at a point of sale device and complete payment for items with the merchant. The request to generate the payment code may be transmitted from the communication device to the wireless beacon, where the wireless beacon transmits the code over a network connection with the payment provider. Once the code is generated, the wireless beacon may receive the code and transmit the code back to the communication device. | 2019-06-20 |
20190188677 | ENROLLMENT AND REGISTRATION OF A DEVICE IN A MOBILE COMMERCE SYSTEM - Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system. | 2019-06-20 |
20190188678 | MOBILE-TO-MOBILE DEVICE INTERACTIONS - Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system. | 2019-06-20 |
20190188679 | METHOD AND SYSTEM FOR IN-STORE PURCHASE OF SECURITY-TAGGED ITEMS WHILE AVOIDING THE POINT OF SALE - A method and a system for enabling in-store purchasing of security-tagged merchandise, avoiding going through the point of sale of a retailer, are provided herein. The method may include the following steps: identifying, using a user-coupled device, a security tag attached to specific item to be purchased, wherein the security-tag is unique to the specific identified item; initiating a purchase request of said item via the user-coupled device, wherein the request includes a price of the item and identifiers of: the item, the security-tag identification, the retailer, and the user; attempting a transaction based on the purchase request, wherein the transaction is capable of being authorised by a third party; and indicating at a data repository associated with an in-store security gate sensitive to said security tag, that said security tag is no longer capable of initiating an alarm at said in-store security gate, only in a case that the transaction was authorized by the third party. | 2019-06-20 |
20190188680 | METHOD AND SYSTEM APPLIED TO FINANCIAL TRANSACTIONS VIA MOBILE OR EMBEDDED DEVICES - The present invention relates to a system used for financial transactions from a bank account using a mobile or embedded device and includes installation of a program ( | 2019-06-20 |
20190188681 | INTEGRATING MOBILE PAYMENT APPLICATION WITH OTHER MOBILE APPLICATIONS WHILE PREVENTING SECURITY EXPOSURES - A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled. | 2019-06-20 |
20190188682 | MOBILE IMAGE PAYMENT SYSTEM USING SOUND-BASED CODES - A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of: receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product; receiving a consumer identifier, wherein the consumer identifier identifies the consumer; sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; and receiving a confirmation of approval or denial of the payment request from the transaction interface. | 2019-06-20 |
20190188683 | System, Method and Article of Manufacture to Facilitate a Financial Transaction for Primary and Secondary Users Based on Passive Authentication Without Unlocking a Mobile Device - A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction (e.g., a cloud-based transaction) is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction. | 2019-06-20 |
20190188684 | SYSTEM AND METHOD FOR AUTOMATIC DEVICE CONNECTION FOLLOWING A CONTACTLESS PAYMENT TRANSACTION - Contactless payment data can be received from a mobile device via a contactless payment terminal. Responsive to receiving the contactless payment data from the mobile device, a token can be communicated to the mobile device via the contactless payment terminal, the token configured to be processed by the mobile device to initiate a particular communication functionality by the mobile device. | 2019-06-20 |
20190188685 | CENTRALIZED TRANSACTION LIMIT MANAGEMENT IN PAYMENT ACCOUNT SYSTEM - A transaction request is received. The transaction request is for a transaction to charge a payment account managed by a payment entity. It is detected that the transaction request exceeds a transaction limit that is applicable to the payment account. A message is transmitted to the payment entity to indicate that the transaction request exceeds the transaction limit. | 2019-06-20 |
20190188686 | TRANSACTION CARD MODE RELATED TO LOCATING A TRANSACTION CARD - A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located. | 2019-06-20 |
20190188687 | METHOD FOR ENCRYPTING TRANSACTIONS AT A DYNAMIC TRANSACTION CARD - One variation of a method for controlling a dynamic transaction card includes: at a first time, accessing a first cryptogram; at a second time, establishing a wireless connection with a mobile computing device; in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram from the mobile computing device via the wireless connection; generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command. | 2019-06-20 |
20190188688 | STORED VALUE CARD KIOSK SYSTEM AND METHOD - A stored value card activation system includes a server in communication with one or more computing devices configured in kiosks. The server receives stored value card type information associated with one of multiple non-activated stored value cards from the computing device. The server also receives monetary amount information to be associated with the selected stored value card from the kiosk, and payment information from a user of the kiosk. From this information, the server conducts a financial transaction with a financial account server associated with an account of the user, and activates the selected stored value card in accordance with the financial transaction. | 2019-06-20 |
20190188689 | LOADING A JAVA CARD MEMORY WITH A JAVA CARD PACKAGE THROUGH A CARD PERSONALIZATION SPECIFICATION FLOW - A method of loading a Java Card memory with a Java Card package through a Card Personalization Specification (CPS) flow. The method proposes to encapsulate the Java Card package destined to be loaded into the Java Card memory in an extra proprietary Data Grouping Identifier (DGI) added at the beginning of a standard DGI sequence. By adding the extra DGI containing a Java Card package at the beginning of the DGI sequence, the Java Card application writes the Java Card package into the Java Card memory. The Java Card package then receives the rest of the DGIs from the application and handles the personalization process by writing itself the personalized data into the memory. | 2019-06-20 |
20190188690 | ENABLEMENT OF PERFORMANCE OF A TRANSACTION - A method and system for enabling performance of a transaction. A first representation of a transaction policy, which depicts transaction policy options for fulfilling the transaction policy is displayed by a client computer. After a user selects a first transaction policy option, the client computer displays a second representation of the transaction policy, depicting at least one mechanism pertaining to the first transaction policy option for satisfying the requirements of the first transaction policy option. After the user selects a first mechanism, the client computer displays evidence options for each requirement of the first transaction policy option. After the user selects an evidence option for each requirement of the first transaction policy option, the client computer sends to a server transaction enablement information that includes evidence dictated by the selected evidence options to enable the server to perform the transaction. | 2019-06-20 |
20190188691 | REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS - A method comprising receiving a purchase action from a first user device associated with a user, creating and storing a first cookie associated with the purchase action. The method includes receiving, from a second user device, a request for cookie data related to products viewed on a platform other than the second user device, and identifying the first cookie in response to the request for cookie data. The method includes determining a platform type of the second user device, and generating a second cookie compliant with the platform type of the second user device. The method includes sending the generated second cookie to the second user device. | 2019-06-20 |
20190188692 | ORDER AND PURCHASE INTEGRATION - Ordering and purchasing processes are integrated into a messaging session between a user device and a merchant server. Within the messaging session, a dialogue is established between the user device and the merchant server. The merchant server obtains user information in order to communicate with a service provider to establish a transaction with an account associated with the user device. The merchant server obtains order information from the user device by interpretation of the dialogue, and creates an order. The user requests payment, and receives a payment link from the merchant server in order to make a transaction. The user provides payment information including identification of the account associated with the user device for the transaction to the merchant server. Once these actions have taken place, the merchant server uses the order information and the payment information to enable the transaction to be performed using the account. | 2019-06-20 |
20190188693 | METHOD AND SYSTEM FOR TRANSFERRING A DIGITAL TOKEN BETWEEN MOBILE DEVICES - Disclosed is a first mobile device configured for transferring a digital token to a second mobile device based on sensor data. The first mobile device comprises a first sensor, a first processor, a first memory and a first wireless transceiver. Further, the second mobile device comprises a second sensor, a second processor, a second memory and a second wireless transceiver. The first sensor is configured for generating a first sensor data representing a physical variable associated with the first mobile device. Further, the second sensor is configured for generating a second sensor data representing the physical variable associated with the second mobile device. Furthermore, transferring of the digital token is initiated based on each of the first sensor data and the second sensor data. Additionally, transferring of the digital token is based on at least one read command received from the second mobile device. | 2019-06-20 |
20190188694 | PAYMENT SYSTEMS AND METHODS WITH CARD-ON-FILE TOKENIZATION - A merchant computer system receives a first token transmitted to the merchant computer system from a customer device. A request for a second token is transmitted from the merchant computer system to a payment processor computer. The request includes the first token. The merchant computer system receives the second token that it requested. The second token is different from the first token. The merchant computer system transmits a payment account system transaction request to the payment processor computer. The latter request includes the second token. | 2019-06-20 |
20190188695 | MULTIFACTOR AUTHENTICATION USING A DIRECTORY SERVER - A method and a server computer are provided for authenticating a cardholder account. The server computer implements the method, which includes obtaining a first identifier and a cryptogram from a first entity, identifying an issuer associated with the cardholder account, forwarding the first account identifier and the cryptogram to a second entity for validation, receiving a second identifier from the second entity, and sending the second identifier to the first entity. The first identifier can be associated with the cardholder account. The second identifier can be generated by the second entity and associated with a validated form of the first identifier. | 2019-06-20 |
20190188696 | MIRRORED TOKEN VAULT - Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive. | 2019-06-20 |
20190188697 | SYSTEMS OF MULTIPLE DISTRIBUTED LEDGERS USING CROSS-LEDGER TRANSFERS FOR HIGHLY-SCALABLE TRANSACTION THROUGHPUT - The presently-disclosed solution provides cross-ledger transfers between distributed ledgers to achieve highly-scalable transaction throughput. Disclosed are methods and instruction code for writing a cross-ledger transfer in a way that effectively transfers value from a source distributed ledger to a target distributed ledger while preventing double spending of the value. This results in the transformation of the ledgers in that the total value in the source ledger is decreased by the transferred value while the total value in the target ledger is increased by the same amount. Also disclosed are system architectures that utilize cross-ledger transfers between multiple distributed ledgers to achieve highly-scalable transaction throughput. Also disclosed are computer apparatus configured to implement cross-ledger transfers between distributed ledgers. Other embodiments and features are also disclosed. | 2019-06-20 |
20190188698 | COMPUTER APPARATUS FOR CROSS-LEDGER TRANSFERS BETWEEN DISTRIBUTED LEDGERS - The presently-disclosed solution provides cross-ledger transfers between distributed ledgers to achieve highly-scalable transaction throughput. Disclosed are methods and instruction code for writing a cross-ledger transfer in a way that effectively transfers value from a source distributed ledger to a target distributed ledger while preventing double spending of the value. This results in the transformation of the ledgers in that the total value in the source ledger is decreased by the transferred value while the total value in the target ledger is increased by the same amount. Also disclosed are system architectures that utilize cross-ledger transfers between multiple distributed ledgers to achieve highly-scalable transaction throughput. Also disclosed are computer apparatus configured to implement cross-ledger transfers between distributed ledgers. Other embodiments and features are also disclosed. | 2019-06-20 |
20190188699 | Social Data Tracking Datastructures, Apparatuses, Methods and Systems - The Social Data Tracking Datastructures, Apparatuses, Methods and Systems (“SDTD”) transforms brokerage order request, blockchain transaction request, agency action request inputs via SDTD components into brokerage order confirmation, transaction confirmation, agency action notification outputs. An agency action request is obtained from a user of an agency oversight configured blockchain. A transaction identifier of an unwind transaction associated with the agency action request is determined. An unwind address associated with the agency action request is determined. The agency oversight configured blockchain is analyzed to determine an affected transaction for the unwind transaction, wherein the affected transaction involves unspent crypto tokens that originated from the unwind transaction. An agency blockchain transaction request that facilitates transferring crypto tokens from an address associated with the affected transaction to the unwind address is generated. | 2019-06-20 |
20190188700 | Social Data Tracking Datastructures, Apparatuses, Methods and Systems - The Social Data Tracking Datastructures, Apparatuses, Methods and Systems (“SDTD”) transforms brokerage order request, blockchain transaction request, agency action request inputs via SDTD components into brokerage order confirmation, transaction confirmation, agency action notification outputs. An inter-blockchain network transaction to transfer crypto tokens from a first user of the source blockchain network to a second user of a target blockchain network is obtained via an exchange node of a source blockchain network. Transaction input data is validated to confirm that the first user is authorized to transfer the crypto tokens. A securing transaction is added to the source blockchain network's blockchain. An exchange node of the target blockchain network configured to facilitate inter-blockchain network transactions with the exchange node of the source blockchain network is determined. An inter-blockchain exchange request for the determined exchange node of the target blockchain network is generated via the exchange node of the source blockchain network. | 2019-06-20 |
20190188701 | Social Data Tracking Datastructures, Apparatuses, Methods and Systems - The Social Data Tracking Datastructures, Apparatuses, Methods and Systems (“SDTD”) transforms brokerage order request, blockchain transaction request, agency action request inputs via SDTD components into brokerage order confirmation, transaction confirmation, agency action notification outputs. An order of a user for an order processing entity is obtained. A blockchain data node, which facilitates access to user-owned read data, associated with the order is determined. A blockchain identifier of the blockchain data node and a blockchain identifier of the order processing entity is provided to an access control node and the user-owned read data is obtained. The order is executed using the user-owned read data. A write access blockchain node, which grants the order processing entity permission from the user to create one or more blockchain data nodes, is determined. A new blockchain data node is created that facilitates access to the user-owned write data associated with the executed order. | 2019-06-20 |
20190188702 | ENCRYPTION BASED SHARED ARCHITECTURE FOR CONTENT CLASSIFICATION - Encryption operations using private and public cryptographic signature keys may be used to facilitate secure and uniquely identifiable audit records relating to website content classification. Blockchain may be used to facilitate collection, storage, and sharing of encrypted audit records. Based on shared encrypted information (e.g. from the blockchain or elsewhere) a content evaluation consensus may be formed. Collections of encrypted audit records may be processed and results of the processing may also be shared via the blockchain. Subsequent operations can include sharing of the processing results. | 2019-06-20 |
20190188703 | POS SYSTEM WITH WHITE BOX ENCRYPTION KEY SHARING - Systems, and associated methods, involving both a trusted and an untrusted device where sensitive data or keys are shared between those devices are disclosed. A disclosed method includes storing a key in a secure memory on a first device, receiving sensitive data via a user interface on a second device, generating a set of white box encryption instructions based on the key using a white box encryption generator on the first device, generating a complete data representation of the set of white box encryption instructions using a secure processor on the first device, transmitting the complete data representation from the first device to the second device, and encrypting the sensitive data using the complete data representation on the second device. The complete data representation is not Turing complete and is not executable with respect to the second device. | 2019-06-20 |
20190188704 | METHOD AND SYSTEM FOR TRUST-BASED PAYMENTS VIA BLOCKCHAIN - A method for processing a trust-based transaction via a blockchain includes: receiving data associated with a proposed trust-based transaction including at least a transaction amount, payment data, and a broker identifier; processing payment for the transaction amount using the payment data; identifying a blockchain address associated with a broker corresponding to the broker identifier; generating a digital token, wherein the digital token is unique to the proposed trust-based transaction; electronically transmitting the generated digital token to a first computing device; and electronically transmitting at least the transaction amount, blockchain address, and at least one of: the generated digital token and data used to generate the generated digital token to a node associated with a blockchain network. | 2019-06-20 |
20190188705 | SYSTEM AND METHOD FOR CLEARING POINT-OF-SALE TERMINAL PRE-AUTHORIZATIONS - A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network. | 2019-06-20 |
20190188706 | TRANSFERENCE TRACKING - Systems and methods are disclosed that provide for a blockchain-based transference tracking system to authenticate and register electronic transaction records. The transference tracking system, in one embodiment, is a permissioned, peer-to-peer, decentralized network containing an authorized, verifiable ledger of electronic transaction records that can be shared amongst authenticated actors. The decentralized ledger can be used as a substitute for a centralized database and enables automated tracking and reporting of electronic transaction records to an authoritative, but non-central authority using the blockchain of the transference tracking system. | 2019-06-20 |
20190188707 | Methods, System and Computer Program Products for Wireless Device Based Authentication - The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision. | 2019-06-20 |
20190188708 | DIGITAL PAYMENT SYSTEM - A digital payment system for facilitating seamless transactions from a user system to a buyer system. The system includes a service provider system which further includes a service interaction component. The service interaction component is configured to collect predefined information about the user system and the associated user. The service provider system also includes a payment engine for processing payments digitally based on data worth associated with the data owned by the user and authorized for sharing by the service provider to the buyer system. The payment engine calculates a payable amount payable digitally by the user to the service provider based on a digital transactional value indicative of the data worth associated with the data owned by the user and authorized for sharing, among other things. The system further includes a pre-consenting system configured to facilitate user authorization. | 2019-06-20 |
20190188709 | PAYMENT HANDLING APPARATUS AND METHOD - The present invention relates to payment handling apparatus ( | 2019-06-20 |
20190188710 | METHOD AND SYSTEM FOR BYPASSING MERCHANT SYSTEMS TO INCREASE DATA SECURITY IN CONVEYANCE OF CREDENTIALS - A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data. | 2019-06-20 |
20190188711 | CROSS-LEDGER TRANSFERS BETWEEN DISTRIBUTED LEDGERS - The presently-disclosed solution provides cross-ledger transfers between distributed ledgers to achieve highly-scalable transaction throughput. Disclosed are methods and instruction code for writing a cross-ledger transfer in a way that effectively transfers value from a source distributed ledger to a target distributed ledger while preventing double spending of the value. This results in the transformation of the ledgers in that the total value in the source ledger is decreased by the transferred value while the total value in the target ledger is increased by the same amount. Also disclosed are system architectures that utilize cross-ledger transfers between multiple distributed ledgers to achieve highly-scalable transaction throughput. Also disclosed are computer apparatus configured to implement cross-ledger transfers between distributed ledgers. Other embodiments and features are also disclosed. | 2019-06-20 |
20190188712 | EFFICIENT VALIDATION OF TRANSACTION POLICY COMPLIANCE IN A DISTRIBUTED LEDGER SYSTEM - Systems and methods for validation of transaction policy compliance are provided. Code is implemented, including a transaction policy compliance check, in a form of a trusted application to be executed in a trusted execution environment (TEE). A secret is attested and provisioned to a trusted application instance in the TEE. The trusted application instance is executed on a client transaction request to generate a policy compliance result. A transaction object is generated, including the policy compliance result and a proof of the execution. The transaction object is proposed to a distributed ledger system. The policy compliance result and a proof of the execution during transaction validation in the distributed ledger system is verified. | 2019-06-20 |
20190188713 | PROCESSING MESSAGES FOR ATTRIBUTE-VALUE PAIR EXTRACTION - A device may process a message associated with an account to identify a first identifier that identifies a third party. The device may identify a match between the first identifier and transaction information related to an individual associated with the account. The transaction information may include a set of first identifiers that identify a respective set of third parties. The transaction information may facilitate identification of one or more messages that is likely to include account information. The device may tag the message with a second identifier based on the match. The device may receive, from another device, the message based on the message being tagged with the second identifier. The device may process the message to identify the account information related to another account. The device may extract identified account information from the message. The device may perform an action related to extracted account information or the message. | 2019-06-20 |
20190188714 | METHOD FOR PERMITTING A TRANSACTION INDICATING AN AMOUNT THAT IS LESS THAN A THRESHOLD AMOUNT - According to a first aspect, there is provided a POS terminal for permitting a transaction indicating an amount that is less than a threshold amount, the POS terminal comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the POS terminal at least to: receive transaction data relating to the transaction, the transaction data indicating the amount; determine if the amount indicated in the transaction data is less than the threshold amount, the threshold amount referring to an amount that the POS terminal is authorised to permit; and permit the transaction to proceed in response to the determination if the amount is less than the threshold amount. | 2019-06-20 |
20190188715 | SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR REQUIRING AND VALIDATING OPERATOR IDENTIFICATIONS IN CARD-NOT-PRESENT TRANSACTIONS - A system and computer-implemented method for processing CNP transactions using a 3DS protocol, and protecting against fraud by requiring and validating merchant (or acquirer) and card issuer operator IDs prior to authorization. Operator IDs may be obtained by completing a compliance test and enrolling in a compliance program. When an AREQ is received from a merchant (or acquirer), the presence and validity of the merchant's unique operator ID is checked. The AREQ may be sent to a corresponding card issuer depending on, e.g., whether the merchant's unique Operator ID is confirmed. When an ARES is received from the card issuer, the presence and validity of the card issuer's unique operator ID is checked. The ARES may be sent to the merchant depending on, e.g., whether the card issuer's unique Operator ID is confirmed. | 2019-06-20 |
20190188716 | ENTITY IDENTIFICATION BASED ON A RECORD PATTERN - The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures. | 2019-06-20 |
20190188717 | DATA VERIFIED DEPOSITS - A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information. | 2019-06-20 |
20190188718 | TRANSACTION CONTROL - A method of choosing and authorising a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorised if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match. | 2019-06-20 |
20190188719 | Computer-Implemented System, Method, and Computer Program Product for Automatically Generating an Account Profile for at Least One User Associated with a Plurality of Account Identifiers - A method for automatically generating an account profile for a user or household, including: determining a first key identification data element type; determining a first key identification data element value; determining a linking identification data element type different than the first key identification data element type; determining at least one linking identification data element value; determining at least one second key identification data element value; and generating an account profile for the user or profile, the user account profile comprising a plurality of key identification data element values associated with the at least one user. A system and computer program product for automatically generating an account profile for a user or household are also disclosed. | 2019-06-20 |
20190188720 | SYSTEMS AND METHODS FOR ENHANCED AUTHORIZATION PROCESSES - An authorization system for enhancing online authorization processes by centrally storing historical authorization data and analyzing the historical authorization data in real-time for a transaction is provided. The authorization system includes at least one authorization computing device. The authorization system is configured to collect historical transaction data associated with a user account, store the historical transaction data that includes historical authorization data, parse the historical transaction data, and extract the historical authorization data from the historical transaction data. The authorization system is also configured to compile the historical authorization data, build an authorization table using a stored user profile, and continuously update the authorization table using the historical authorization data. The authorization system is further configured to receive an authorization data request from a requestor, compare the authorization data request to the stored user profile, generate an authorization data response, and transmit the authorization data response to the requestor. | 2019-06-20 |
20190188721 | SYSTEMS AND METHODS FOR CROSS-BORDER ATM FRAUD DETECTION - A macro fraud detection system for detecting macro level fraud of transaction card automated teller machine (ATM) withdrawals includes a memory device for storing data and a processor. The processor is communicatively coupled to the memory device and is programmed to receive first transaction data corresponding to historical financial transactions between a plurality of transaction cards and at least one ATM. The processor is also programmed to aggregate the first transaction data into one or more referential tables, and determine one or more threshold values based on the aggregated first transaction data. In addition, the processor is programmed to receive second transaction data corresponding to current financial transactions between the plurality of transaction cards and the at least one ATM. Moreover, the processor is programmed to compare the second transaction data to the one or more threshold values. | 2019-06-20 |
20190188722 | SYSTEMS AND METHODS FOR IDENTIFYING FRAUDULENT COMMON POINT OF PURCHASES - A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data, store the transaction data in a database, and perform a look up within the database. The CPP computing device is also configured to build a merchant table, receive a card list, and compare a plurality of flagged account identifiers in the card list to account identifiers in the merchant table. The CPP computing device is further configured to retrieve a unique merchant identifier and/or a merchant name identifier associated with the merchant table account identifiers matched with the flagged account identifiers, aggregate the unique merchant identifier using the merchant name identifier, and determine a first number of the flagged account identifiers associated with the merchant name identifier. | 2019-06-20 |
20190188723 | LOCATION-BASED VERIFICATION FOR PREDICTING USER TRUSTWORTHINESS - A computer-implemented system and method is provided for predicting user trustworthiness through location-based verification with social networking, and for providing an on-line platform for communicating trustworthiness indicators between different users. The system displays to users, one or more indicators associated with risk levels of other users. The system comprises location identifiers which collect user time and location data to verify the trustworthiness of user transactions. Trustworthiness ratings are established in part by tracking, for particular transactions, time-varying geographic locations of one or more remote computing devices of one or more users associated with the particular transactions and comparing the time-location data for the particular transactions with one or more time-based attributes or location-based attributes of the transactions. | 2019-06-20 |
20190188724 | FACILITATING PEER-TO-PEER TRANSACTIONS USING VIRTUAL DEBIT ACCOUNTS OF VIRTUAL WALLETS - The disclosure facilitates transactions between virtual debit accounts associated with corresponding transaction applications. A transaction initiation request including a transaction amount is received by a sender transaction application on a sender computing device. A recipient transaction application is detected within a proximity of the sender computing device by the sender transaction application. A virtual debit account associated with a virtual wallet of the sender transaction application is accessed and a transfer of the transaction amount is initiated from the accessed virtual debit account to a corresponding virtual debit account associated with the recipient transaction application. Upon a confirmation of the transfer being received from the recipient transaction application, a record of the transfer is provided to an issuer of the accessed virtual debit account. The use of the compatible transaction applications and associated virtual debit accounts provides fast, secure transaction capabilities between parties that may be unfamiliar with each other. | 2019-06-20 |
20190188725 | WIRELESS PAYMENTS USING A WEARABLE DEVICE - A method is provided for securely performing wireless payments triggered by a wearable device and can be performed efficiently regarding hardware requirements. A communication protocol implements the method steps as well as a system for performing secure wireless payments using a wearable device. A computer program product comprises instructions implementing the suggested method steps and operating the suggested system. | 2019-06-20 |
20190188726 | SECURE ELECTRONIC COMMERCE - Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorisation for the transaction from a financial institution and then notify the vendor accordingly. Where the sensitive information is the identity of a user of the client, the transaction server may selectively authorise the transaction without the vendor being apprised of the identity of a user of the client. Secure communications may also be achieved by sending sensitive communications over the private network. | 2019-06-20 |
20190188727 | ELECTRONIC DEVICE HAVING DISASSEMBLE MONITORING DEVICE - A disassemble monitoring device of an electronic device includes a detecting unit, a one time programmable register, a storage, and a processor. The detecting unit is configured to detect whether the electronic device has been disassembled, and upon detecting that the electronic device has been disassembled, generate a detection signal. The one time programmable register is electrically coupled to the detecting unit and is configured to change a storage value of the one time programmable register in response to the detection signal. The storage value can only be changed once. The processor retrieves the storage value from the one time programmable register in response to a user operation and determines whether the storage value has been changed. Upon determining that the storage value has been changed, the processor confirms a result of determination that the electronic device has been disassembled and outputs the result of determination. | 2019-06-20 |
20190188728 | Interactive Error User Interface - In various example embodiments, a system and method for a proactive customer support system are provided. In some example embodiments, outgoing communications from an application server to a client device are monitored for error messages, outgoing error messages are detected, an error type for an error message is determined, an issue ticket including the error message and the error type is generated, and instructions are transmitted that cause a customer service device to display the issue ticket. In some example embodiments, the system additionally assigns a priority score and ranks open error tickets based on their respective error messages. In some example embodiments, the system provides a help message to the client device based on the error message, receives an information request from the client device, determines a reply message based on the information request, and transmits instructions to the client device to display the reply message. | 2019-06-20 |
20190188729 | SYSTEM AND METHOD FOR DETECTING COUNTERFEIT PRODUCT BASED ON DEEP LEARNING - A system for validating a product incudes a computing device having a processor and a non-volatile memory storing computer executable code. The executed code is configured to: receive an instruction from a user when a user views a media file corresponding to the product; upon receiving the instruction, obtain a copy of the media file; process the copy of the media file using a deep learning module to obtain an identification of the product; and validate the product by comparing the identification of the product with a stored identification corresponding to the product. The deep learning module includes convolution layers for performing convolution on the copy of the media file to generate feature maps; a detection module for receiving the feature maps and generating intermediate identifications of the product; and a non-maximum suppression module for processing the intermediate identifications of the product to generate the identification of the product. | 2019-06-20 |
20190188730 | AUTHENTICATION OF GOODS - A method for a goods authentication infrastructure to authenticate goods associated with a unique identifier is provided. The method comprises associating a tokenised identifier for the goods with the unique identifier of the goods; and providing the tokenised identifier and cryptographic elements to an authentication device associated with the owner of the goods. The cryptographic elements can be used by the authentication device to generate a message with a digital authentication code and the digital authentication code can be used by a computing device receiving the message to verify the content of the message. A single tokenised identifier is associated with the unique identifier of the goods at any one time. A method for authenticating goods using an authentication device is also provided, as is an authentication device configured to perform the method. | 2019-06-20 |
20190188731 | AUTHENTICATION OF GOODS - A method for a goods manager to authenticate products at the point of sale is provided. The method comprises: providing an authentication device to a merchant, wherein the authentication device is not associated with a product but is configured to receive product information from a merchant terminal; once information about a product has been received by the authentication device from the merchant terminal, obtaining from the authentication device a signed message comprising information about the authentication device and information about the product received from the merchant terminal; and providing authorization data to the authentication device if the information fulfils one or more criteria, thereby associating the authentication device with the product. A method for a merchant to authenticate goods at the point of sale and a merchant terminal to perform such a method are also provided. | 2019-06-20 |
20190188732 | SYSTEM AND METHOD FOR ENSURING CREDIBILITY OF ITEMS IN A SUPPLY CHAIN MANAGEMENT - The present invention relates to a system and a method for ensuring for ensuring the credibility of an item among a plurality of change in custody of the item in a supply chain management. The system and method is adapted to detect counterfeit, fraudulent and even defectives items among a plurality of change in custody of the item in a supply chain management. The system has self-evolving and self-learning capabilities. The system includes a vision module captures a raw data related to the said item via the at least one sensor based on the at least one action, an object recognition and optical character recognition (OCR) module configured to identify a primary data from the raw data based on at least one predefined parameter and generate a fingerprint data. The AI module is adapted to store the fingerprint data at every change in custody of the item. | 2019-06-20 |
20190188733 | SYSTEM AND METHOD FOR UNDERSTANDING INFLUENCER REACH WITHIN AN AUGMENTED MEDIA INTELLIGENCE ECOSYSTEM - Aspects of the present disclosure involve systems, methods, devices, and the like for augmented media intelligence using Artificial Intelligence (AI), Machine Learning (ML), Natural Language Processing (NLP), data analytics and data visualization. In one embodiment, a system is introduced that can retrieve real-time data from social media platforms to perform augmented media intelligence analysis and take real time actions if necessary. In another embodiment, the augmented media intelligence is design to use the machine learning and natural language processing capabilities and social currency means for understanding an influencers reach within the augmented media intelligence system via an influencer score. | 2019-06-20 |
20190188734 | INFORMATION PROCESSING APPARATUS, SYSTEM, CONTROL METHOD FOR INFORMATION PROCESSING APPARATUS, AND NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIUM - An information processing apparatus comprising a traffic line information generation unit configured to generate, based on information provided from an image capturing apparatus arranged in a store, traffic line information in the store of a customer who visits the store, an acquisition unit configured to acquire purchased product information associated with a product purchased by the customer in the store, a purchase information generation unit configured to generate purchase information based on the purchased product information by associating the traffic line information and the purchased product with the customer, and a display information generation unit configured to generate, based on the purchase information, display information for displaying information about one of a customer and a product in association with a time taken to select the purchased product and a selection order of the purchased product. | 2019-06-20 |
20190188735 | DATA DRIVEN CUSTOMER LOYALTY PREDICTION SYSTEM AND METHOD - Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in which the merchant is operating. From the collected information, the disclosed systems and methods can process the collected information to generate a prediction of future customer behavior in real-time or near real-time. | 2019-06-20 |
20190188736 | METHODS AND APPARATUS FOR ESTIMATING A LORENZ CURVE FOR A DATASET BASED ON A FREQUENCY VALUE ASSOCIATED WITH THE DATASET - Methods and apparatus for estimating a Lorenz curve for a dataset based on a frequency value associated with the dataset are disclosed. An example apparatus for estimating a Lorenz curve for a dataset representing a distribution of products for individual members of a population includes a frequency identifier and a Lorenz curve generator. The frequency identifier is to access a frequency value associated with the dataset. The frequency value is derived from an occurrence value associated with the products of the dataset and a population value associated with the individual members of the population of the dataset. The frequency identifier is to access the frequency value without directly accessing the occurrence value and the population value. The Lorenz curve generator is to generate an estimated Lorenz curve for the dataset using a Lorenz curve estimation function including the frequency value. | 2019-06-20 |
20190188737 | INDUSTRIAL DATA ANALYTICS IN A CLOUD PLATFORM - Cloud-aware industrial devices feed robust sets of data to a cloud-based data analyzer that executes as a service in a cloud platform. In addition to industrial data generated or collected by the industrial devices, the devices can provide device profile information to the cloud-based analyzer that identifies the device and relevant configuration information. The industrial devices can also provide customer data identifying an owner of the industrial devices, contact information for the owner, active service contracts, etc. The cloud-based data analyzer leverages this information to perform a variety of custom analytics on the data and generate reports or notifications catered to the particular industrial assets' optimal performance and business goals of the owner's industrial enterprise, as well as perform real-time decision making and control. | 2019-06-20 |
20190188738 | Method and a Device for Decoding Data Streams in Reconfigurable Platforms - A decoding device is implemented on an integrated circuit, for decoding a market data input stream received in a given data representation format. The decoding device comprises an engine built around a finite state machine, the engine being generated from at least one description file and configured to perform the following steps, in a current state of the finite state machine: i) dividing the market data input stream into a number of tokens and reading a set of tokens, ii) accumulating the set of read tokens in internal registers, iii) generating output commands from the tokens accumulated in the internal registers depending on a condition related to the tokens accumulated in the internal registers, and iv) selecting the next state of the Finite State Machine state based on a triggering condition. | 2019-06-20 |
20190188739 | DETERMINING A STATISTIC ABOUT RESOURCES EXPENDED FOR GOODS OR SERVICES IN A CONTEXT - Methods, apparatus and computer-readable media (transitory and non-transitory) are disclosed for identifying a good or service of potential interest to the user and a context in which the good or service would be consumed, determining, based on historical data, a statistic about resources expended by other users to consume goods or services of a same class as the good or service of potential interest to the user in contexts that correspond to the predicted context, and providing an indication of the statistic. In some implementations, the good or service of potential interest to the user may be predicted, e.g., based on one or more signals associated with the user. | 2019-06-20 |
20190188740 | CONTENT DELIVERY OPTIMIZATION USING EXPOSURE MEMORY PREDICTION - An online system displays a first set of content items to a user of a test group and displays a second set of content items to a user of a control group. The online system presents a poll to each user to evaluate the user's recall of the content item associated with the poll. The online system receives a poll response from each user, which is input, along with a set of features associated each user, into a prediction model. The prediction model enables the online system to determine a poll response prediction of a third user based on a set of features associated with the third user. The poll response prediction enables the online system to determine if it would be effective to present the content item to the third user. | 2019-06-20 |
20190188741 | FRAUD DETECTION IN DATA SETS USING BAYESIAN NETWORKS - A computer-implemented method can include receiving multiple survey response sets, where each survey response set includes the responses of a survey taker. A maximum weight spanning tree can be defined. Each node of the maximum weight spanning tree can represent a survey question. Directional edges can connect nodes. A weight for each directional edge can be defined that represents mutual information of two nodes connected by that directional edge. A fraud detection score can be defined for each survey response set based on a conformance of response values for that survey response set to the mutual information represented by the edges of the maximum weight spanning tree. A distribution of the fraud detection scores can be determined, and a subset of the survey response sets can be classified as fraudulent based on the fraud detection scores associated that subset being statistical outliers in the distribution of fraud detection scores. | 2019-06-20 |
20190188742 | FORECASTING DEMAND ACROSS GROUPS OF SKILLS - Embodiments for estimating substitutability between skills by combining skill similarities from one or more data sources by a processor. An adjacency of skill similarity of one or more skills of one or more entities may be determined. The adjacency of skill similarity may be used to generate one or more skill clusters. Skill demand of the one or more skill clusters may be forecasted. | 2019-06-20 |
20190188743 | ALLOCATION OF SERVICE PROVIDER RESOURCES BASED ON A CAPACITY TO PROVIDE THE SERVICE - An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service. | 2019-06-20 |
20190188744 | Method and System for Fulfillment of a Reward Amount Earned by a User - A method for fulfillment of a reward amount earned by a user includes: receiving reward data associated with a rewards program of an offeror; receiving a transaction request associated with a transaction between a user and a merchant; determining whether the user qualifies for the rewards program; upon determining that the user qualifies for the rewards program determining the reward amount for the user corresponding to the rewards program; and crediting the reward amount to an account of the user. Systems for fulfillment of a reward amount earned by a user are also disclosed. | 2019-06-20 |
20190188745 | SERVER AND METHOD FOR DETERMINING IF AN ACCOUNT IN A TRANSACTION REQUEST IS ELIGIBLE FOR A PROMOTION - In one aspect, there is provided a server for determining if an account in a transaction request is eligible for a promotion, the server operatively connected to a Payment Service Provider (PSP) device, and the server comprising at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to receive, directly from the PSP device, a promotion Application Programming Interface (API) call comprising a transaction request corresponding to a user, the transaction request indicating an account information of an account, the promotion API call established through a connectivity between the PSP device and the server; and determine if the account indicated in the transaction request is one that is eligible for a promotion transaction in response to the receipt of the transaction request. | 2019-06-20 |
20190188746 | LOCATING A NETWORK CABLE CONNECTOR - A method of locating one or more endpoint connectors of a network cable wherein the network cable includes a first endpoint connector and a second endpoint connector comprises: one or more processors capturing an incoming packet carrying therein a specific identifier, wherein the specific identifier is a specific bit string that has been predefined to trigger an activation of one or more indicating devices located on one or more endpoint connectors on the network cable; determining that the incoming packet carries therein the specific identifier; and in response to determining that the incoming packet carries therein the specific identifier, triggering an activation of a first indicating device indicative of a location of the first endpoint connector. | 2019-06-20 |
20190188747 | REWARD OPTIMIZATION THROUGH REAL TIME AUTHORIZATION PROCESSING - A method includes receiving a transaction authorization request message in a payment account system. A relevant database entry is accessed to determine whether another payment account belonging to the account holder should be inserted into the transaction authorization request message in place of the payment account originally submitted for use in the transaction. The purpose may be to maximize loyalty reward points or otherwise to gain a benefit available by using the other payment account rather than the originally submitted payment account. | 2019-06-20 |
20190188748 | PRODUCT REGISTRATION DEVICE AND PRODUCT REGISTRATION METHOD - A product registration device includes display means, selection means, setting means, and output means. The display means displays a list of purchasing products registered as purchasing targets. The selection means selects a product to be exchanged with the points possessed by a purchaser from the purchasing products on the list. The setting means sets information indicating that the product is a target for exchanging with the points for the product. The output means outputs the product for which the information is set to be distinguished from other purchasing products. | 2019-06-20 |
20190188749 | OBJECT SELECTION METHOD AND DEVICE - A basic relationship weight between each pair of objects in an object group is adjusted to obtain a new object relationship weight, where the object group includes a plurality of objects. For each object in the object group, a transmissibility value is determined based on the new object relationship weight associated with the object. An activeness value is determined based on a service activity parameter associated with the object in a service. An influence value is determined based on the activeness value and the transmissibility value, where the influence value indicates a degree of influence of the object to one or more objects in the object group. At least one object is selected from the object group as a target object, where the influence value associated with the at least one object is greater than a predetermined threshold. | 2019-06-20 |