25th week of 2017 patent applcation highlights part 61 |
Patent application number | Title | Published |
20170178065 | System and Method for Providing an Intelligent Configuration Rationalization Solution - A system and method are disclosed for rationalizing configurations associated with one or more products. The system includes a database associated with one or more customers. The system further includes an order analysis system coupled with the database. The order analysis system is capable of rationalizing the differences between configurations of various combinations of options that are stored in the database. | 2017-06-22 |
20170178066 | SHOPPING FACILITY DISCARDED ITEM SORTING SYSTEMS, DEVICES AND METHODS - Systems, apparatuses, and methods are provided herein for sorting items discarded in a shopping facility. A system for sorting discarded items comprises a motorized transport unit configured to travel around discarded items placed in a sorting area in the shopping facility, the motorized transport unit comprises a sensor device and an item mover device, an item characterization database storing characteristics corresponding to a plurality of items likely to be found in the shopping facility, and a central computer system. The central computer system is configured to receive data from the sensor device on the motorized transport unit, determine an item characteristic of an item among the discarded items in the sorting area, determine a sorting category of the item from a plurality of predefined categories, and cause the motorized transport unit to move the item, with the item mover device, from the sorting area into a category area. | 2017-06-22 |
20170178067 | MODULAR HANGERS FOR PRODUCT STORAGE AND RETRIEVAL SYSTEM - A system for locating goods stored in modular hanging units in a storage area. Ordered goods are placed in storage units at a central filling center. The filled storage units are shipped to local storage areas where they are coupled to hook units to form modular hanging units that are then stored on rails in a storage structure. The identifications of the goods and the hanger addresses for the modular hanging units are stored on a local computer database. When a user wants to pick up stored goods, the user inputs the identification or order information for the goods and the computer will search the inventory to locate the goods in a specific stored modular hanger. The modular hanger will be illuminated to facilitate locating the goods. | 2017-06-22 |
20170178068 | INTERNATIONAL ORDER AND SHIP OPTIMIZATION METHOD AND SYSTEM - Disclosed is an international order and ship optimization method including a customer access environment determining step of determining an access environment of a customer who accessed an online shopping mall of a seller by recognizing a location of the customer, an address input user interface (UI) providing step of providing an address input UI displayed in a language used by the customer, and an inputted address processing step of processing the inputted address of the customer inputted in the address input UI. | 2017-06-22 |
20170178069 | DATA TRANSFER TOOL FOR SECURE CLIENT-SIDE DATA TRANSFER TO A SHIPPABLE STORAGE DEVICE - A client-side data transfer tool may be used to encrypt customer data and store the encrypted data onto a shippable data storage device. The shippable storage device is provided to the client by a remote storage service provider for importing the customer data into the service provider. The data transfer tool receives client-keys from the service provider, separate from the shippable storage device. The data transfer tool generates keys to encrypt the customer data. The data transfer tool then uses the client-keys received from the service provider to encrypt the tool-generated keys. The encrypted data and the encrypted tool-generated keys are transferred onto the shippable storage device. Data transfer techniques may take into account characteristics of the data source and the data destination. For multiple shippable storage devices, data transfer may occur in parallel. The shippable storage device is then shipped back to the service provider, which imports the data. | 2017-06-22 |
20170178070 | DATA ANALYSIS FOR DISPATCH SCHEDULING OPTIMIZATION IN THE PRESENCE OF TIME CONSTRAINTS - A capacity verifier accesses an inventory database and a vehicle database, based on at least one of a plurality of perishable good orders to be delivered by a plurality of delivery vehicles to a plurality of delivery sites. A dispatch schedule generator generates an initial dispatch schedule in which each of the plurality of delivery vehicles is individually scheduled for delivery to at least one of the plurality of delivery sites to define a delivery assignment, each delivery assignment being subject to an associated expiration time window for the perishable good being delivered. A dispatch schedule optimizer executes an iterative updating of an initial dispatch schedule wherein, in each iteration, at least one delivery assignment is altered and a resulting dispatch schedule is evaluated relative to associated expiration time windows, until an optimized dispatch schedule is obtained. | 2017-06-22 |
20170178071 | ASSEMBLY FOR DELIVERING A SHIPMENT - The invention relates to an assembly comprising an unmanned transport device for delivering a shipment and a transfer device, said transfer device being designed to lower the shipment from the unmanned transport device to a receiving container, to lift the shipment from the receiving container to the transport device and/or to transfer said shipment between the transport device and the receiving container, the shipment being guided in each case by the transfer device. | 2017-06-22 |
20170178072 | System, Apparatus And Method For Transferring Ownership Of A Smart Delivery Package - In one embodiment, an apparatus comprises: a hardware processor, a storage to store a digital title comprising a first ownership record having a public key of a current owner of the apparatus, the public key to be endorsed by a prior owner of the apparatus, and a wireless circuit to transmit and receive messages. The hardware processor may be adapted to generate a hash of a prior ownership record, and the wireless circuit is to cause the hash to be provided to a remote server that is to maintain a block chain regarding ownership of the apparatus. Other embodiments are described and claimed. | 2017-06-22 |
20170178073 | REDUCING COMPLEXITY OF DETERMINING ROUTES FOR SHIPPING CONTAINERS BY REDUCING PATHS BASED ON USER SELECTION - A non-transitory computer-readable storage medium may comprise instructions stored thereon for determining optimized routes for repositioning empty shipping containers. When executed by at least one processor, the instructions may be configured to cause a computing system to at least generate candidate paths for repositioning empty shipping containers based on container depots, direct paths between the container depots, and scheduled paths between the container depots; present the candidate paths to a user; receive a selection of preferred paths from the user, the preferred paths being a subset of the candidate paths; and generate the optimized routes for repositioning the empty shipping containers between the container depots based on the preferred paths and movements of full shipping containers between the container depots. | 2017-06-22 |
20170178074 | Method and Computer-Readable Media for Managing Governing Documents in Complex Business Transactions - A method, and computer-readable media for performing the method, for managing governing documents in business transactions. Electronic transaction documents are received from authenticated users and stored in an on-line transaction document database. Governing document rules are defined with transaction participants categorized in user categories. Governing documents corresponding to those user categories are stored and provided to the transaction participants for agreement according to the governing document rules as a condition to access to the on-line transaction document database. | 2017-06-22 |
20170178075 | SYSTEM, METHOD AND DEVICE FOR ORGANIZING AND PRESENTING DIGITAL FLYERS - A system, method and communication device are disclosed for organizing and presenting a plurality of digital flyers. Using flyer stack information, which organizes the plurality of digital flyers into at least one flyer stack, the plurality of digital flyers are presented to allow for inter-flyer and intra-flyer navigation. Moreover, the flyer stack information may be used to allow the inter-flyer and intra-flyer content to be searched. This is achieved by providing a method and communication device that receives the flyer stack information from a server, and presents the flyer stack information in a flyer navigation interface. The flyer navigation interface displays the at least one flyer stack, selects the flyer stack from the at least one flyer stack, and displays a digital flyer from the selected flyer stack in the flyer navigation interface as a current digital flyer, including displaying an indication of a next digital flyer in the selected flyer stack, the next digital flyer being accessible by navigating to the indication. | 2017-06-22 |
20170178076 | SYSTEMS, METHODS, AND APPARATUS FOR COLLABORATIVE EXCHANGE - Exemplary methods, apparatuses, and systems for collaborative exchange are detailed. For example, in an embodiment a computer-implemented method comprises receiving parameters for a collaborative exchange, curating a collection of items for the collaborative exchange based upon the received parameters, transmitting the collection of items to participants of the collaborative exchange, receiving selections of items from the participants of the collaborative exchange, and upon all participants having a turn at selecting an item, initiating shipment of the selected items. | 2017-06-22 |
20170178077 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING SYSTEM - An information processing apparatus is included in an information processing system including a name card reading apparatus and the information processing apparatus connected therebetween. The information processing apparatus includes: a memory unit storing information of divisions of an organization and information of persons belonging to the divisions acquired from the name card reading, apparatus; an acquisition unit acquiring information of persons belonging to respective divisions in the organization from another medium; an identification unit identifying information of the person not stored in the memory unit from the information of the persons acquired by the acquisition unit; and an output unit outputting the identified information of the person. | 2017-06-22 |
20170178078 | SYSTEM AND METHOD FOR MATCHING CANDIDATES AND EMPLOYERS - In an embodiment, a computer-implemented method is disclosed to match skilled professionals with employers based on peer evaluations. In an embodiment, the method comprises receiving general and job-specific ratings from a group of skilled peers, and generating a set of overall scores for each peer, based on factors including the ratings received from other peers, the overall score of those peers, and the rating confidence of the peers. These scores quantify each peer's general and job-specific skills and traits. The method may further comprise using these overall scores to match a skilled professional seeking new employment opportunities with employers seeking suitable candidates for positions they have available in the same or related jobs. | 2017-06-22 |
20170178079 | PRESENTING A USER PROFILE - A first user of a presentation machine may be a recruiter that initiates an action in reference to a first user profile. The first user profile may describe a first candidate for a job. The presentation machine may identify the first user profile and determine a similarity score that indicates a degree of similarity between the first user profile and a second user profile that describes a second candidate for the job. The presentation machine may also access a volatility score that indicates a likelihood that the second candidate is receptive to a proposal that the second candidate be employed by an employer. Based on the similarity score and on the volatility score, the presentation machine may determine a rank of the second user profile. Based on the determined rank, the presentation machine may present the second user profile to the first user. | 2017-06-22 |
20170178080 | MACHINE LEARNING SYSTEM FOR INTELLIGENTLY IDENTIFYING SUITABLE TIME SLOTS IN A USER'S ELECTRONIC CALENDAR - Training a machine to learn and to identify time slots to select in a user's electronic calendar, in one aspect, may include receiving an invitee list and meeting meta data associated with a meeting via an electronic calendar application. Candidate timeslots for the meeting may be determined and a database associated with the electronic calendar application analyzed to obtain user factors associated with the candidate timeslots and invitees in the invitee list. Based on the user factors, a predictive model may be generated that is associated with an invitee in the invitee list by a machine learning algorithm. The predictive model may be executed to determine a time slot to select for the invitee. | 2017-06-22 |
20170178081 | AUTOMATIC SELECTION OF CALENDAR-BASED, MULTIPLE EVENT OPTIONS FOR PRESENTATION - Example embodiments provide a system and method for automatically selecting calendar-based, multiple event options. The system accesses calendar data that indicates events that a user is scheduled to attend, and extracts data for the events from the calendar data. The system constructs a plurality of application program interface (API) requests by including the extracted data for the events as one or more search criteria in the API requests. The system transmits the API requests to a server of a service provider. In response, the system receives results from the server, which comprise options determined to be compatible with the events based on the one or more search criteria in the API request. The system causes presentation of at least some of the options from the results determined to be compatible with the events. | 2017-06-22 |
20170178082 | ASSIGNMENT OF A MOTORIZED PERSONAL ASSISTANCE APPARATUS - An apparatus comprises a plurality of motorized mobile retail facility personal assistance apparatuses and a central computer system. The central computer system includes a network interface that permits the central computer system to wirelessly communicate with the mobile apparatuses and also with at least one user interface unit. Upon receiving a request to use one of the mobile apparatuses, the central computer system assigns an available apparatuses for use by a user during a usage session. This activity can include interfacing with the user to determine one or more specifics regarding their current needs in these regards. The specifics of their needs, in turn, can provide a basis for assigning a particular apparatus from amongst a plurality of differently purposed and differently configured apparatuses. | 2017-06-22 |
20170178083 | PROVIDING GEOLOCATION NOTIFICATIONS TO INCREASE COLLABORATION BETWEEN USERS - Embodiments herein provide geolocation notifications to increase collaboration between users. Specifically, a collaboration tool is configured to receive, from a social media application, an indication of a geolocation of a first user, as well as information about an availability of the first user and an availability of a second user. These are used to generate a collaborative meeting event for the first user and the second user according to the geolocation of the first user, the availability of the first user, and an availability of the second user. The second user is presented with content based on a next-best-action (NBA) model from which the second user selects content to present to the first user, which is then configured for the first user. As such, the collaboration tool unifies user geolocation and availability information in order to connect interested users with one another in a mutually beneficial way. | 2017-06-22 |
20170178084 | REDUCING WAITING TIME FOR ACTIVITIES AT A VENUE - Waiting time for the use of activities at a venue with multiple activities, such as an amusement park, is reduced by first receiving selections from visitors to the park using mobile phones, of desired activities and starting times. The selections are transmitted to a server which determines, for each user, waiting times associated with the desired starting times. The server then recommends alternative starting times for those activities. The alternative starting times are chosen to not only reduce the user's waiting time, but the waiting time for all users in the park. The alternative starting times are transmitted back to the mobile phones, where users can accept or reject the alternative starting times. The users are then placed into a virtual queue for each activity. | 2017-06-22 |
20170178085 | METHOD, APPARATUS, AND SYSTEM FOR MANAGING RESERVATIONS - The technology relates to determining a driver for a trip having a start time within a predetermined time period. A trip itinerary and a list of available drivers for a first client's trip may be received by one or more processors. The list of available drivers may each include a respective driver status indicating each trip scheduled for the driver for the predetermined time period. The one or more processors may remove one or more drivers from the list of available drivers to obtain a reduced list of available drivers based on the respective driver status of each available driver. A driver from the reduced list of available drivers may be selected by the one or more processors based on the reduced list of available drivers and the trip itinerary for the first client's trip. | 2017-06-22 |
20170178086 | REMINDER CREATION FOR TASKS ASSOCIATED WITH A USER EVENT - An event analysis engine on a user device may be configured to receive information representative of a user event and to determine a type of the event according to the received information. One or more tasks associated with the determined type of event may be identified. Each of the identified tasks may be associated with a reminder having a trigger condition that is a function of information specific to the task. The task-specific information may be retrieved and the reminders associated with the tasks may be displayed when a device condition matches a calculated trigger condition for the reminder. Each task may be identified as completed when a completion condition associated with the task is satisfied. | 2017-06-22 |
20170178087 | SYSTEM AND METHOD FOR TEST DATA PROVISIONING - Systems and methods of improving the operation of a test data provisioning network and test data provisioning network devices is disclosed. A data hub layer comprising an interstitial logic boundary at a periphery of a consumption environment and configured to interact with a production environment whereby test data may be provisioned without direct access by a user to the production environment. In this manner, the efficiency and resiliency of the production environment may be enhanced and the test data may be improved, so that the network more properly functions according to approved parameters. | 2017-06-22 |
20170178088 | PERFORMING A TICKETING OPERATION - Methods of performing a ticketing operation between a ticketing terminal and a user device having a device configuration are provided. The ticketing terminal comprises a terminal module, and the user device comprises a memory having one or more data blocks/files each having one or more data fields. The method comprises identifying the device configuration, and retrieving at the terminal module one or more abstract instructions of access to the user device for performing the ticketing operation. The method further comprises retrieving from a secure module one or more specific instructions of access to the user device for performing the abstract access instructions, and performing the abstract access instructions by executing the specific access instructions. Ticketing terminals suitable for carrying out said methods are also provided. | 2017-06-22 |
20170178089 | BARCODE READER CONNECTED TO THE BANK ACCOUNT OF THE VENDOR - Disclosed is barcode reader apparatus placed at a store for communicating the store bank with the vendor's bank over a communication network. The barcode reader apparatus scans a barcode chip attached to a product. The barcode reader apparatus includes a housing handheld by the store manager or a clerk, in-counter barcode scanner for decoding the barcode chip, a memory unit for storing information related to vendor, vendor's bank, products at the store etc, and a processor coupled to memory unit for processing the decoded information and thereafter communicating with store's bank/customer's bank account for transferring the vendor price associated with the product to the vendor's bank account. | 2017-06-22 |
20170178090 | OFFLINE TRANSACTIONS USING A PRIMARY ELECTRONIC DEVICE OR A SECONDARY ELECTRONIC DEVICE COUPLED THERETO - An offline transaction is conducted using a primary electronic device or a secondary electronic device communicatively coupled to the primary electronic device. A geographical zone where Internet connectivity is unreliable is determined for the primary electronic device. A detection is made that the primary electronic device is about to enter the geographical zone. In response to the detecting, an amount of funds is made electronically available offline for the primary electronic device. An offline electronic transaction is conducted using the primary electronic device based on the amount of funds. The offline electronic transaction is conducted within the geographical zone. | 2017-06-22 |
20170178091 | OFFLINE TRANSACTIONS USING A PRIMARY ELECTRONIC DEVICE OR A SECONDARY ELECTRONIC DEVICE COUPLED THERETO - A battery level of a primary electronic device is monitored by one or more hardware processors of the primary electronic device. A determination is made by the one or more hardware processors that the monitored battery level of the primary electronic device has dropped below a threshold. In response to the determination, a first amount of funds is electronically loaded to a secondary electronic device for offline purchases. The secondary electronic device is communicatively coupled to the primary electronic device. An offline electronic transaction is processed using the secondary electronic device based on the first amount of funds. | 2017-06-22 |
20170178092 | REMITTANCE SYSTEM AND METHOD - A remittance system comprising a remittance platform operable to process a remittance request originating from a sender to a target beneficiary; the remittance request comprising a primary account number (PAN) of the sender; the remittance platform further operable to create an electronic account for the target beneficiary upon determining that the target beneficiary does not have an approved PAN for remittance to take place; wherein the creation of the electronic account comprises a link between a unique identifier of the target beneficiary and the generation of a primary account number for the beneficiary. | 2017-06-22 |
20170178093 | SYSTEMS AND METHODS FOR ALLOCATING RESOURCES VIA INFORMATION TECHNOLOGY INFRASTRUCTURE - A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits. | 2017-06-22 |
20170178094 | METHOD AND SYSTEM FOR COMMUNICATION IN INSTANT MESSAGING APPLICATION - Embodiments of the present application provide a method and system for for performing an allocation operation. During operation, the system may receive an object allocation request from a computing device associated with an allocation source. The system may determine the allocation source, one or more allocation targets, one or more notification targets, and a quantity of objects to be allocated based on the object allocation request. The system may extract objects to be allocated corresponding to the quantity of objects to be allocated from an object set corresponding to the allocation source. The system may then allocate the objects to be allocated to the allocation targets. The system may notify the notification targets of messages related to the allocation operation. | 2017-06-22 |
20170178095 | INTELLIGENT ADVICE AND PAYMENT ROUTING ENGINE - Intelligent advice and transaction handling systems and methods. An embodiment includes a merchant device, a merchant server computer, a consumer mobile device, and a smart preferences computer having a decision engine operably connected to a storage device. The storage device stores instructions configured to cause the decision engine to receive service call data associated with a purchase transaction, and determine that a cardholder associated with the purchase transaction is a registered smart preferences user. The process includes accessing smart preferences cardholder profile data, determining a recommendation including at least a first choice payment card account and a second choice payment card account, and then transmitting the first choice payment card account data to the merchant device for purchase transaction processing when the cardholder profile data includes a permission indication. However, the recommendation is transmitted to the cardholder device when the permission indication is not found. | 2017-06-22 |
20170178096 | SYSTEMS AND METHODS FOR EMERGENCY MONEY TRANSFER TRANSACTIONS - Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction. | 2017-06-22 |
20170178097 | METHODS AND SYSTEMS FOR MAKING A PAYMENT - A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account. | 2017-06-22 |
20170178098 | REAL-TIME GLOBAL FUND TRANSFERS - Systems, methods, and computer program products for providing a distributed instant fund transfer network are disclosed. For example, a computer-implemented method may include receiving, by a first server machine of a first financial institution, an instant fund transfer request from a user via a browser application, providing, by the first server machine, the instant fund transfer request to a second server machine of a financial services provider via a first application programming interface (API) chained by the financial services provider to a different API associated with a second financial institution, advancing, by the second server machine, funds from a cash account associated with the second financial institution regardless of whether transferred funds are received from the first financial institution, and providing, by the second server machine, instant fund transfer completion information to a third server machine of the second financial institution via the second API based on the chaining. | 2017-06-22 |
20170178099 | POINT OF SALE DEVICE - The present disclosure provides methods and systems for implementing plug and play (PnP) support for a peripheral point of sale (POS) device. In an example of a method, a PnP control interface is installed above a universal point of sale (UPOS) software interface. A disconnection of a peripheral POS device is detected and a UPOS software state for the peripheral POS device is stored. The PnP control interface is used to perform finalization method on a list of active peripheral POS devices in a Logical Device Name (LDN) library and an outstanding process for the peripheral POS device is terminated. | 2017-06-22 |
20170178100 | CLOUD-BASED CONFIGURABLE TRANSACTION MANAGEMENT CONTROLLER AND METHOD THEREOF - Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment. The transaction management controller receives a transaction amount for a payment transaction from a business management engine. The payment transaction is based on a purchase transaction initiated by a merchant computing device of the other environment. The transaction management controller also receives payment card data from the point of interaction device, which is communicatively isolated from the merchant computing device and the business management engine. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed. | 2017-06-22 |
20170178101 | AUTO REMOTE MANAGEMENT CONFIGURATION FOR A SELF-SERVICE TERMINAL (SST) NETWORK - A Self-Service (SS) management terminal manages one or more Self-Service Terminals (SSTs) communicating over a network. A scan of the network reveals SSTs capable of reporting real-time transaction information to the SS management terminal. The scan also reveals which SSTs are capable of reporting but not currently reporting to the SS management terminal or any other SS management terminal available in the network. A Graphical User Interface (GUI) is rendered on a display of the SS management terminal permitting an operator to assign one or more unassigned but capable SSTs to the SS management terminal. Settings are automatically updated on those SSTs for reporting their real-time transaction information to the SS management terminal. | 2017-06-22 |
20170178102 | METHOD AND SYSTEM FOR POINT OF SALE ORDERING - Anchor points associated with point of sale information may be ordered by deriving a trajectory for the portable device, associating known positions of the anchor points with a map encompassing the trajectory, characterizing turns of the trajectory, generating candidate paths by comparing the characterized turns to the map, selecting a solution path that corresponds to the anchor points and ordering the anchor points based at least in part on the solution path. | 2017-06-22 |
20170178103 | Guided Positional Tracking - A method of enabling a point of sale (POS) device to perform a transaction is described. The method comprises initiating, by an electronic device, the transaction with the POS terminal; analyzing images of the POS terminal captured by a camera of the electronic device; and identifying the POS terminal based upon the images. | 2017-06-22 |
20170178104 | SMART BEACON POINT OF SALE (POS) INTERFACE - A smart beacon includes: a connector able to be coupled to a point of sale (POS) terminal and allowing two-way communication between the smart beacon and the POS terminal; a wireless transceiver allowing two-way communication with a user device; and a network interface allowing two-way communication with a remote server. A POS system includes: a POS terminal; a network-accessible payment processing server; and a smart beacon communicatively coupled to the POS terminal and able to communicate with the network-accessible payment processing server. An automated method of processing a payment includes: transmitting a beacon signal; identifying a consumer check-in event based at least partly on a received response to the beacon signal; retrieving charge information from a POS terminal; retrieving payment information from a user device; sending the retrieved charge and payment information for processing at a remote processing entity; and returning a result comprising one of a rejection and authorization. | 2017-06-22 |
20170178105 | BASIC INPUT/OUTPUT SYSTEM (BIOS) CREDENTIAL MANAGEMENT - A Basic Input/Output System (BIOS) agent on a Self-Service Terminal (SST) coordinates with a BIOS credential manager that determines when to communicate a BIOS credential for the SST and when to re-generate and re-set a new BIOS credential for the SST. | 2017-06-22 |
20170178106 | AUTHENTICATION METHOD AND A SERVER - Disclosed are authentication methods, systems and servers. Aspect processes include receiving an authentication request sent by a first terminal; determining at least a first sub authentication request and a second sub authentication request with both corresponding to the authentication request; sending the first sub authentication request to a second terminal and the second sub authentication request to a third terminal; when receiving the first verification information sent by the second terminal and the second verification information sent by the third terminal, authenticating the first verification information and the second verification information; and sending the authentication result to the first terminal; wherein the second terminal or the third terminal is the same terminal as the first terminal or is a different terminal from the first terminal. | 2017-06-22 |
20170178107 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, RECORDING MEDIUM AND POS TERMINAL APPARATUS - An information processing apparatus includes: a determining unit that determines whether at least a part of an object is present in an image captured or not; and a control unit that performs a control so as to display, on a display apparatus, a guiding sign for guiding the object in the image to a predetermined direction in a case that at least a part of the object is present in the image. | 2017-06-22 |
20170178108 | POS-TERMINAL DEVICE - A POS-terminal device includes: a housing that is provided with a product-reading device including an imaging unit configured to capture a product to generate an image; a product-input unit configured to input the product, the product-input unit including a product-reading frame configured to define an outer edge of an imaging area of the imaging unit; and a reflector configured to reflect a subject image of the product passed over the imaging area, outside the housing. | 2017-06-22 |
20170178109 | SYSTEM AND METHOD FOR PROCESSING ORDERS - Aspects of the disclosure relate generally to an order processing system that receives and prints orders and provides an indication of the number of the orders that have been printed and are awaiting acknowledgment by a user. | 2017-06-22 |
20170178110 | Private Payee-Controlled Compensation Disbursement System to Multiple Payee Directed Disbursement Devices - Present Invention enables non-cash-paid workers/vendors to rapidly receive net or gross compensation for rendered services/products with or without personal access to banking—unlimited by time and volume restrictions currently imposed by private label pay cards and systems. Present invention is a method, via a client server system, by which a Compensation Payer can issue individual or bulk funds to a secure Payer account—accompanied by (a) payment manifest(s)—which automatically and verifiably distributes to Payee-controlled accounts from which Payees can privately direct some or all of the received compensation to multiple Payee-Directed Disbursement Devices, including, without exclusion of others, direct deposit, paper/e-checks, money orders, and virtually any kind, number, and combination of verifiably legitimate debit, credit, gas, phone, gift, or store cards, prioritized, among others, by card, card type, and dollar amounts at Payee's directions received prior to or anytime after a specific payout disbursement. | 2017-06-22 |
20170178111 | SYSTEM AND METHOD FOR USING MULTIPLE BALANCES WITH A SINGLE PAYMENT DEVICE - A transaction system for performing transactions with multiple balances within a single transaction. The transaction system comprises a payment device programmed to record multiple balances and a terminal programmed to interact with the payment device in order to complete a transaction by debiting multiple balances of the payment device within a single transaction. A method of transacting with a transaction device, a payment device and a method of providing commodities to a payment device user are also provided. | 2017-06-22 |
20170178112 | Method for Managing Payment Vehicle Data Based on Location Information - A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user. | 2017-06-22 |
20170178113 | SYSTEMS AND METHODS FOR ALLOCATING TRANSACTIONS ACROSS SOURCES - An exemplary device for allocating transactions across a plurality of sources includes a screen, a memory storing instructions, and a processor configured to execute the instructions to perform operations including: displaying on the screen an interface for a multi-source payment account profile; generating a first window in the interface indicating at least one characteristic of transactions and listing a plurality of potential payment sources available to include in a default allocation of funds settings, the default allocation settings including at least one relative percentage at which the listed payment sources are used to fund transactions; receiving a first user operation adjusting the relative percentages; transmitting the adjusted relative percentages to a server over a communication network; receiving from the server information regarding an approved transaction; and switching the first window to a second window identifying the approved transaction and approved allocation of funds for the approved transaction. | 2017-06-22 |
20170178114 | SYSTEM, DEVICE, AND METHOD FOR PROVIDING HAPTIC FEEDBACK RESPONSIVE TO TRANSFER OF DIGITAL CONTENT - A system, method, and device for providing haptic feedback is presented. The system comprises a first device, a second device, and a third device. The first device has a first haptic output device, a first processor, and a first wireless communication unit. The second device has a second haptic output device, a second processor, and a second wireless communication unit. The third device has a third processor and a third wireless communication unit configured to transfer digital content between the third device and at least the first device. At least one processor of the first processor, second processor, and third processor is configured, when digital content is transferred or is being transferred between the third device and the first device, to cause the first haptic output device to output a first haptic feedback and to cause the second haptic output device to output a second haptic feedback. | 2017-06-22 |
20170178115 | DISPLAY OF A TRANSACTION HISTORY USING A PAYMENT CARD DISPLAY DEVICE FOR SECURE TRANSACTION PROCESSING - There are provided systems and methods for display of a transaction history using a payment card display device for secure transaction processing. A user may visit a merchant location for a merchant and purchase one or more items from the merchant using a payment card. The payment card may be equipped with a display device, as well as an antenna or other communication module. Once the payment card is processed for the transaction, a merchant device at the merchant location may communicate a message to the payment card for display on the display device of the payment card. The message may include information of whether the transaction was processed, an amount for the transaction, and/or a number of transactions processed. Thus, the user may be informed of how much was charged to the payment card and whether the payment card was incorrectly processed. | 2017-06-22 |
20170178116 | REMOTE TRANSACTION SYSTEM, METHOD AND POINT OF SALE TERMINAL - A remote transaction processing system, method and point of sale terminal are disclosed. The system includes a first data store, which includes a user device profile for a user device, the user device profile including routing data for routing communications to the user device. Upon receiving a payment request designating a user device for a transaction with a merchant, the remote transaction processing system is arranged to retrieve a Point-of-Sale, PoS, configuration profile corresponding to the merchant and retrieve the user device profile from the first data store corresponding to the designated user device. The remote transaction processing system is arranged to communicate a PoS configuration dependent on the PoS configuration profile to the user device in dependence on the routing data, the PoS configuration being executable by the user device to cause the user device to act as a PoS terminal for the transaction with the merchant. | 2017-06-22 |
20170178117 | FACILITATING SMART GEO-FENCING-BASED PAYMENT TRANSACTIONS - A mechanism is described for facilitating smart geo-fencing-based payment transactions according to one embodiment. A method of embodiments, as described herein, includes detecting, by one or more capturing/sensing components of a data processing device, a first computing device within proximity of a geo-fenced location. The method further include receiving detection information relating to the detection of the first computing device, authenticating at least one of the first computing device and the geo-fenced location, and interfacing the first computing device with a second computing device. The method may further include facilitating a payment transaction, where the payment transaction includes payment of a monetary amount from the second computing device to the first computing device, and executing the payment transaction. | 2017-06-22 |
20170178118 | ELECTRONIC PAYMENT SYSTEM FOR OPERATING AUTOMATED MACHINE - An electronic payment system is provided to comprise a mobile terminal | 2017-06-22 |
20170178119 | REMITTANCE PROCESSING AT A SERVER - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 2017-06-22 |
20170178120 | SMART CARDS AND SMART CARD COMMUNICATION METHODS AND SYSTEMS - The present disclosure includes a smart card. The smart card includes an audio module to receive a money deduction request in a form of an external audio signal from an external device, wherein the monetary-amount deduction request includes a monetary amount to be deducted and the external device's identification information. The smart card further includes a data processing module to authenticate the external device's identification information, deduct the monetary amount from the smart card after the authentication of the external device's identification information is passed, and generate monetary-amount-deduction result information. The audio module transmits to the external device the monetary-amount-deduction result information in a form of an audio signal, wherein the monetary-amount-deduction result information includes a deducted monetary amount to be added to the external device and the smart card's identification information to be authenticated by the external device. | 2017-06-22 |
20170178121 | SYSTEM AND METHOD FOR PROVIDING INSTRUCTIONS TO A PAYMENT DEVICE - A method of providing instructions to a payment device, wherein instructions are generated without requiring data from the payment device, the method comprising: delivering instructions that are part of an ordered sequence of instructions to a payment device; and identifying instructions that should be applied out of sequence without preventing the delivery of subsequent instructions in a sequence. A method of receiving instructions at a payment device and a payment device are also provided. | 2017-06-22 |
20170178122 | Method and System for Processing a Contactless Transaction - A method of processing a contactless transaction includes creating a mesh network having a plurality of proximity interface nodes. Each proximity interface node is configured to communicate, wirelessly, with a proximity enabled mobile device. An area is serviced with proximity connectivity by dividing the area into zones and associating each zone with a corresponding one of the proximity interface nodes. The proximity enabled mobile device is interfaced with the proximity interface node that is co-located in the same zone as the proximity enabled mobile device for communicating transaction information associated with an event in that particular zone. The mesh network is interfaced with a payment network for processing the transaction information during a payment transaction. | 2017-06-22 |
20170178123 | DYNAMICALLY CONFIGURABLE TRANSACTION MANAGEMENT CONTROLLER AND METHOD THEREOF - Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. The transaction management controller receives payment card data for the payment transaction from the point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed. | 2017-06-22 |
20170178124 | PROCESSING SECURE ELECTRONIC PAYMENT TRANSACTIONS - The present disclosure relates to systems, methods, and devices for enabling efficient and secure electronic payment transactions. For example, one or more implementations involve leveraging a banking application on a client device to facilitate payment transactions. In particular, one or more embodiments process the payment transaction using the payment account of the user using an authorization obtained via the banking application. One or more embodiments also provide tokenized credentials for processing future payment transactions. | 2017-06-22 |
20170178125 | TRASH COLLECTION SYSTEMS AND METHODS - Systems and methods for increasing the value of trash. By increasing the value of trash, persons have an incentive to collect litter and deposit the collected litter at an appropriate trash collection site (e.g., garbage can, reverse vending machine, recycling center, etc.). In one aspect, a financial instrument (e.g., a Bitcoin, Bitcoin-like value, account identifier, or any other financial instrument) or a pointer to a financial instrument is attached to the object itself or placed inside of the object in a way that is not easily extracted before appropriate time. | 2017-06-22 |
20170178126 | PAYMENT SYSTEM - The present application discloses a payment system to enhance security of the entire payment system and ensure fund security in a payment process. The technical solution is: in the entire payment system, designing encryption and decryption solutions at a payment end, a consumer end, and an account management server end separately; performing hierarchical encryption on data transmission and storage, and verifying legality of a hardware device of an access system. Compared with a conventional magnetic card payment mode and an online payment mode with a third-party account such as Alipay, the technical solution of the present application improves convenience and security to different extents. | 2017-06-22 |
20170178127 | PROXY SYSTEM MEDIATED LEGACY TRANSACTIONS USING MULTI-TENANT TRANSACTION DATABASE - One embodiment provides a method for proxy system mediated legacy transactions using multi-tenant transaction database, including: utilizing at least one processor to execute computer code that performs the steps of: ascertaining, using a processor associated with a proxy system, that a first transacting entity and a second transacting entity have placed a transaction on a multi-tenant transaction database, the transaction including transfer of a legacy asset; decrypting, using a processor associated with the proxy system, a legacy system account access credential of the second transacting entity included in the transaction, the decrypting comprising recovery of a function of a public key corresponding to a private key associated with the second transacting entity; confirming, using a processor associated with the proxy system, that the legacy system account credential authorizes the second transacting entity to transfer the legacy asset; and transferring, using a processor associated with the proxy system, the legacy asset from the second transacting entity to the first transacting entity. Other aspects are described and claimed. | 2017-06-22 |
20170178128 | METHOD AND SYSTEM FOR DISTRIBUTION, USE AND VALIDATION OF ELECTRONIC ENTITLEMENT CERTIFICATES - A method for distribution and transfer of entitlement certificates includes: storing account profiles, each account including an account identifier, primary account number, and account balance; receiving an entitlement request from a computing device including a specific account identifier, entitlement balance, and usage controls; identifying a specific account profile that includes the specific account identifier; generating an entitlement certificate that includes the entitlement balance and usage controls; generating an entitlement identifier for the entitlement certificate; placing a hold associated with the entitlement certificate on the account balance included in the specific account profile for the entitlement balance; and transmitting the entitlement certificate to the computing device. | 2017-06-22 |
20170178129 | AUTHENTICATION PROCESSING SYSTEM AND AUTHENTICATION PROCESSING SERVER - There are provided an authentication processing system and an authentication processing server for authenticating a screen when using various facilities, such as restaurants. The authentication processing system includes a portable communication terminal and an authentication processing server. The authentication processing server includes: a code table generation processing unit that generates a code table including a plurality of first codes and a second code, which is associated with each of the plurality of first codes for each time period; a code table storage unit that stores the code table generated by the code table generation processing unit; a clock processing unit having a clock function; and a user processing unit that receives a first code from a portable communication terminal, specifies a second code corresponding to the first code from the code table based on date and time information in the clock processing unit, and transmits the specified second code to the portable communication terminal. The portable communication terminal includes a display unit that displays a screen, which is to be presented to an employee of the facility, based on the second code received from the authentication processing server. | 2017-06-22 |
20170178130 | METHOD AND SYSTEM FOR ACCOUNT CONTROL BASED ON DECLINED AUTHORIZATION - A method for automatic generation of transaction controls includes: storing account profiles, each including a primary account number, communication data, and transaction controls, where payment transactions are subject to the transaction controls; receiving a transaction message for a declined payment transaction including a specific primary account number and additional data elements configured to store transaction data; identifying a specific account profile that includes the specific primary account number; generating a transaction control including one or more controls based on the transaction data; transmitting the generated transaction control to a computing device based on the communication data included in the specific account profile; receiving a confirmation from the computing device indicating approval of the generated transaction control; and updating the specific account profile to include the generated transaction control. | 2017-06-22 |
20170178131 | TRANSACTION SYSTEM AND METHOD - A transaction system comprising a transaction facilitator operable to receive and process a transaction request from a user device; a transaction channel | 2017-06-22 |
20170178132 | CHECK-OUT SYSTEM AND REGISTRATION APPARATUS - A registration apparatus stores priority which is set for each of a plurality of payment apparatuses. If a condition to update the priority is established, the registration apparatus updates the priority, based on data indicating a state of each payment apparatus. The registration apparatus transmits accounting data and data on the priority, to a payment apparatus having a top priority. A payment apparatus pays a transaction by transmitting a permission response to the registration apparatus, when receiving the accounting data and the priority data in a state where the payment of the transaction is possible. The payment apparatus transfers the accounting data and the priority data to another payment apparatus having a lower priority than the payment apparatus, based on the priority data, when the accounting data and the priority data are received in a state where the payment of the transaction is not possible. | 2017-06-22 |
20170178133 | AUTOMATIC PAYMENT CODE DISPLAY SYSTEM - Automatic payment code display systems and methods include a user device detecting a beacon system at a physical merchant location. The user device establishes a background communication process with the beacon system that occurs without user intervention subsequent to detecting the beacon system. The user device then provides the user account authentication token to the beacon system as part of the background communication process. The user device then receives a payment code from the beacon system as part of the background communication process. The user device then causes the payment code to be displayed, and the displayed payment code is configured to be utilized by a payment processing device at the physical merchant location in a payment transaction. The payment code may be caused to be displayed on a lock screen in a background display process that occurs without user intervention. | 2017-06-22 |
20170178134 | SYSTEMS AND METHODS FOR PREDICTING CHARGEBACKS - A chargeback processing computing device is provided. The chargeback processing computing device may include a chargeback prediction module configured to extract transaction information about a plurality of transactions authorized using an account, an account profile information module configured to extract account profile information, the account profile information comprising historical chargeback information about the plurality of transactions authorized using the account, a model generating module configured to generate a chargeback prediction model for the account based on the extracted transaction information and the account profile information, a receiver configured to receive a candidate transaction paid for using the account, wherein the chargeback prediction module is configured to extract transaction information from the candidate transaction, and a processor configured to generate a chargeback prediction score indicating a likelihood that the candidate transaction will result in a chargeback based on the extracted transaction clearing information and the generated chargeback prediction model. | 2017-06-22 |
20170178136 | SYSTEMS AND METHODS FOR IDENTIFYING SUSPECT ILLICIT MERCHANTS - An illicit website identifying (IWI) computing device is described herein, the IWI computing device configured to store a log of suspect illicit websites, the log including website content associated with each suspect illicit website. Each suspect illicit website is associated with a respective merchant. The IWI computing device is also configured to receive transaction data for at least one transaction initiated at a first suspect illicit website, the first suspect illicit website included within the log of suspect illicit websites, and analyze the received transaction data to identify one or more transactions including at least a portion of the website content associated with the first suspect illicit website. The IWI computing device is further configured to identify the first suspect illicit website and the merchant associated therewith as illicit for further investigation, and generate an identification report including the identified illicit website and merchant. | 2017-06-22 |
20170178137 | PARAMETER-MAPPED ONE-TIME PASSWORDS (OTP) FOR AUTHENTICATION AND AUTHORIZATION - A message, which includes a user-defined transaction parameter for a transaction with a terminal that is communicatively coupled to a node of a secure authorization network, is received by a computer server via a network node that is outside of the secure authorization network. An authorization request message for the transaction with the terminal is received by the computer server via the secure authorization network. The authorization request message includes a one-time password that is provided by the terminal. Authentication is performed by the computer server based on the one-time password, and the user-defined transaction parameter for the transaction with the terminal is identified by the computer server based on the one-time password included in the authorization request message. An authorization response message for the transaction with the terminal based on the user-defined transaction parameter is transmitted from the computer server via the secure authorization network. | 2017-06-22 |
20170178138 | SYSTEM AND METHOD FOR ADDING A DYNAMIC SECURITY CODE TO REMOTE PURCHASES - A method of providing authentication information for a card-not-present transaction; the method comprising a card provider associating an electronic communication medium of a user with a payment card of the user in advance of the transaction, the card provider generating a virtual security code which is associated with the payment card, the card provider providing the virtual security code to the electronic communication medium for retrieval by the user, the card provider recording at least one characteristic each time the virtual security code is submitted by the user to an online authentication process associated with a transaction, and the card provider providing a replacement virtual security code to the electronic communication medium in response to the recorded at least one characteristic. | 2017-06-22 |
20170178139 | Analysis of Transaction Information Using Graphs - A system comprises a memory that includes instructions, an interface, and one or more processors communicatively coupled to the memory and interface. The interface is configured to receive transaction information for a plurality of transactions. The processor is configured to generate a graph database based on the transaction information, and determine, based on information associated with the nodes of the graph database, whether a particular node of the graph database is potentially fraudulent. | 2017-06-22 |
20170178140 | SALES DATA PROCESSING APPARATUS - A sales data processing apparatus of the embodiment includes a sales registration unit configured to register sales of a commodity on which a sales registering operation is performed; an input unit configured to input customer specific information for specifying a customer; a security level setting unit configured to set a security level based on the customer specific information which is input by the input unit; and a fraud checking unit configured to check for fraud in the sales registering operation of the commodity based on the security level which is set by the security level setting unit. | 2017-06-22 |
20170178141 | BIOMETRIC SECURE SALES AND PAYMENT TERMINAL USING FACE RECOGNITION AND FINGER PRINT DEFINITION METHODS - This invention is related to a secure sales and payment terminal where payment is carried out using methods such as biometric definition and fingerprint definition. Definition of the biometric face data and/or fingerprints of the user, carrying out secure payment via a bank, printing the payment details on a slip, submitting an electronic slip to the e-mail address of the customer, forming accounting records and storing all procedures carried out on the terminal ( | 2017-06-22 |
20170178142 | CONTEXT-DEPENDENT AUTHENTICATION SYSTEM, METHOD AND DEVICE - A method for authenticating a user using a user device connected to a communications network, the method comprising an implicit phase, wherein said implicit phase comprises performing at least one task within a workflow, said at least one task necessary to move forward within said workflow; storing information associated with said performing of at least one task; comparing said stored information with a stored user profile; and determining whether said authentication of said user is successful or unsuccessful based on said comparing. | 2017-06-22 |
20170178143 | SYSTEMS AND METHODS TO ENHANCE SECURITY IN TRANSACTIONS - A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account. | 2017-06-22 |
20170178144 | SYNCHRONIZED COMMUNICATION PLATFORM - An interactive communication platform may synchronize the display of information between entities who are remotely located from each other. The platform may create a conversation flow between the entities that mimics an in-person experience, but with one of the entities having the support of an artificial intelligence engine to prompt the entity with information card objects to guide the flow in a successful direction. The supported entity's communication may be completely computer-driven such that the other entity interacts either substantially or wholly with a computer system. | 2017-06-22 |
20170178145 | USING MULTI-FACTOR CONTEXT FOR RESOLVING CUSTOMER SERVICE ISSUES - In a general aspect, a system can include a user interface with at least one input field for receiving input associated with an information technology (IT) customer service issue and a response area for displaying results in response to the input. The system can further include a context generation engine that receives the input associated with the IT customer service issue from the user interface and determines, based on the input, a multi-factor context. The system can also include a relevance-based search engine configured to search, based on the multi-factor context, a plurality of resources; assign, based on the multi-factor context, a respective relevancy score to each of the plurality of resources; and provide, to the user interface for display in the results area, a ranked list of a subset of the plurality of resources that is ordered based on the respective relevancy scores of the subset of the resources. | 2017-06-22 |
20170178146 | HAZARDOUS MATERIAL HANDLING REFERENCE SYSTEM - A method and system of managing regulatory information associated with environment, health and safety data, such as MSDS data, including a database of regulatory data associated chemical products, and a database configured to maintain selected elements of the regulatory data, wherein the selected elements correspond to chemical products identified by the user, and a regulatory server configured to update the regulatory data with regulatory authorities received from a plurality of regulatory authorities. A server provides the user with compliance information relating to the selected elements in response to the user scanning a QR code on a label associated with a chemical container at a remote location with the user's cellular device, and provides the user with the option of receiving the compliance information via a text file or voice file, with said compliance information being communicated to the user at the remote location via the user's cellular device. | 2017-06-22 |
20170178147 | System and Method for Estimating CO2 Emission - Estimations of carbon dioxide (“CO2”) emission of an entity upon the condition of incomplete or missing data uses one or more algorithms implemented in a machine having a processor and a memory and data concerning the entity. The data is applied to an algorithm implemented as code executable in the processor. The algorithm produces a result that comprises an estimate of the CO2 emission of the entity. The CO2 emission estimate can be output to a user, and the underlying formula and data can inspected and optionally modified by users with suitable permissions. The CO2 emission estimate can be applied as a factor in a formula to compute a rating for the entity which can be output from the machine. Error estimates associated with the data used by the algorithm can be generated to provide improved estimates. | 2017-06-22 |
20170178148 | SYSTEM AND METHOD FOR DETECTING MALICIOUS PAYMENT TRANSACTION ACTIVITY USING AGGREGATE VIEWS OF PAYMENT TRANSACTION DATA IN A DISTRIBUTED NETWORK ENVIRONMENT - Embodiments of systems and methods for fraud prevention in an online distribution network are disclosed. In certain embodiments, service providers that provide forms in association with merchant's web sites for submission of transactions may implement pro-active threat detection based on an aggregate view of transactions in that distributed computer network. | 2017-06-22 |
20170178149 | METHOD AND SYSTEM FOR PURCHASE PATTERN EXTRACTION FROM POINT OF SALE DATA - The method generating a point of sale data matrix from a purchase record, the point of sale data matrix including buying information of each item and purchase quantity information of each item, extracting purchase patterns from the point of sale data matrix using a matrix factorization method to provide a maximum score value, the maximum score value representing the purchase patterns, identifying related factors associated with each of the purchase patterns to provide a related factor model, and testing at least one simulated related factor in a simulated environment based on the related factor model to determine a difference in purchase patterns. | 2017-06-22 |
20170178150 | SYSTEMS AND METHODS FOR IDENTIFYING INFORMATION PROVIDERS BASED ON USER QUERIES - Systems and methods for identifying information providers based on user queries are provided. The method includes receiving a user query including a request for information regarding intended travel from a query capture application, processing the user query to identify query travel characteristics associated with the request for information, receiving a plurality of transaction data, and identifying a plurality of past travel transactions from the transaction data based on a set of travel indicators associated with each past travel transaction. The method further includes applying a matching algorithm to the past travel transactions and the user query to identify a list of traveler cardholders capable of responding to the user query, identifying a first traveler cardholder user device, causing the request for information to be displayed on the first traveler cardholder user device, and causing a travel response to the request for information to be displayed on a querying user device. | 2017-06-22 |
20170178151 | SYSTEMS AND METHODS FOR EXTRAPOLATION OF MARKET RESEARCH DATA - A method for extrapolating product market research data includes determining whether the market research data for two or more products includes a complete time series data set, for each product with a complete time series data set, performing a trend analysis on the obtained market research data for a respective product, and for each of the two or more products with an incomplete time series data set, applying one set of weighting factors. Decomposing the obtained market research data for the respective product into at least an unexplainable remainder, comparing the unexplainable remainder to a predetermined threshold, and either extrapolating the time series data of the respective product using an optimized triple exponential smoothing algorithm, or applying the one set of weighting factors for the time series data of the respective product. A system to implement the method and a non-transitory computer-readable medium are also disclosed. | 2017-06-22 |
20170178152 | METHOD AND APPARATUS TO IDENTIFY CO-ENTITIES BASED ON SPARSE LOCATION INFORMATION - A method and apparatus to identify co-entities in an establishment. Given a set of points in a three dimensional space, along with identification information from mobile devices and a timestamp, a times series for each device may be captured. Time series that overlap may be generated, and the intersecting time series portions may be extracted. Based on the extracted overlapping time series, a determination may be made that two or more entities are likely to be co-entities. | 2017-06-22 |
20170178153 | IMPULSE DETECTION AND MODELING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to detect and model impulse behavior. | 2017-06-22 |
20170178154 | LEVERAGING NETWORK-BASED POINT TO POINT TRANSACTIONS - A method, system, and computer-readable medium to provide a service to members enrolled with the service, the method including obtaining non-public transaction information concerning transactions between business trading entities belonging to a networked platform, the non-public transaction information including details of, at least, buying and selling of goods and services between the entities; storing the non-public transaction information in a centrally accessible storage facility; anonymizing the non-public transaction information; analyze the non-public transaction information based on, at least, an aggregation of the non-public transaction information; and delivering a record of the analysis to members of a business network. | 2017-06-22 |
20170178155 | Systems and Methods for Use in Evaluating Aggregate Merchant Sets - Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. The method also generally includes determining degrees of membership of the monitor score and volatility score to the associated fuzzy sets and generating an evaluation index based on the inference rules and the degrees of membership to the fuzzy sets, thereby providing an indication of a propriety of the aggregation of said multiple merchants. | 2017-06-22 |
20170178156 | MEASURING PARTICIPANT PERCEPTIONS - Methods, systems, and apparatus, including computer program products, for measuring strengths of associations between branding content and branding content. In an aspect, branding content associations are collected from sessions of psychometric tools for branding content at client devices. Determined are orders of mention defining an order in which the branding content associations were input at each of the client devices, frequencies of mention for each of the branding content associations, and latencies of mention for each of the branding content associations. One or more of these metrics can be used to determine association strengths for each branding content association. | 2017-06-22 |
20170178157 | TARGETING CONTENT TO USERS IN GROUPS - Methods, systems, and apparatus, including computer programs encoded on a computer-readable storage medium, and including a method for providing advertisements. The method comprises determining at least in part based on analysis of user interaction data of a plurality of users in a user network, an inferred group of users that interact together, including two or more users from the users in the user network. The method further comprises receiving a request to present an advertisement to each of two or more users of a group of users that interact together, and based at least in part on the received request, providing for display, to each of two or more of the users in the inferred group of users that interact together, the requested advertisement. | 2017-06-22 |
20170178158 | SYSTEMS AND METHODS FOR MANAGING ELECTRICITY CONSUMPTION ON A POWER GRID - Systems and methods of managing electricity consumption on a power grid are disclosed herein. The method may include: receiving preference data indicating preferences for usage of a network-connected electricity-consuming device during a time range; receiving a forecasted availability of electricity on the power grid during the time range; determining an optimal electricity consumption level for the power grid that matches the forecasted availability of electricity during the time range, where the optimal electricity consumption level includes electricity to be consumed by the device during the time range indicated in the preference data; and determining a private price for electricity consumed by the device during the time range, the private price being different from a public price of electricity during the time range. The private price can be determined so that the optimal electricity consumption level, when adjusted for the altered consumption of the device as a result of the private price, matches the forecasted energy availability during the time range is achieved. | 2017-06-22 |
20170178159 | METHODS FOR EFFECTING AND OPTIMIZING ITEM DESCRIPTOR AND ITEM VALUE COMBINATIONS - A method for optimizing an item descriptor and item value combination is provided. The method includes receiving initial data, locating one or more previous transaction data points, and creating a plurality of candidate opportunity variants and, for each candidate opportunity variant determining a first deviation, identifying a first set of first previous transaction data points and a second set of previous transaction data point, and forecasting one or more new transaction data points at at least one future date, each new transaction data point includes a forecast merchant identifier. The method further includes selecting the candidate opportunity variant that provides an optimized item descriptor and item value combination based on the selected candidate opportunity variant. | 2017-06-22 |
20170178160 | Predicting Economic Conditions - Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions. | 2017-06-22 |
20170178161 | Predicting Economic Conditions - Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions. | 2017-06-22 |
20170178162 | Control of which Sources are used to Answer Questions in a Digital Medium Environment - A digital medium environment is described to control which source is used to generate an answer to a question about products or services made available via a service provider. Identification is performed as to which products or services of a service provider correspond to text of a question. A determination is then made as to which of a plurality of feature areas of the identified products or services correspond to the text of the question. Data is queried that describes interaction of users with respective ones of the products or services made available via the service provider. The querying is based at least in part on the determined feature areas for the identified products or services to select at least one of the users to receive a request to generate the answer to the question. | 2017-06-22 |
20170178163 | METHOD AND SYSTEM FOR GENERATING A SPLIT QUESTIONNAIRE - A computing system for transforming at least one large questionnaire into a plurality of split questionnaires, said system comprising: one or more processors; memory; a display, and one or more programs stored in the memory and configured to be executed by said one or more processors; a questionnaire database for storing survey pilot data and tracking data associated with said at least one large questionnaire having survey questions; a data conversion module comprising said one or more programs executable to generate a data matrix associated with said survey pilot data and tracking data, and to convert said data matrix into a continuous data matrix; a split-questionnaire design (SQD) module comprising said one or more programs executable to receive said continuous data matrix, and operating to transform said at least one large questionnaire into said plurality of split questionnaires, wherein each of said plurality of split questionnaires comprises a subset of said survey questions; a skip logic module comprising said one or more programs executable to apply conditional logic to the operation of said SQD module when at least one question is based on a respondent's at least one preceding answer to a preceding question; an imputation module comprising said one or more programs executable to impute missing data induced by said SQD module and to create a complete data set; and a reporting module comprising said one or more programs executable to present said split questionnaires on said display. | 2017-06-22 |
20170178164 | Systems and Methods for Use in Processing Transaction Data - Systems and methods are provided for determining early-adopter payment accounts. One exemplary method generally includes accessing, by a computing device, product data for at least one target product including a product launch date for the at least one target product; accessing transaction data representative of multiple transactions to payment accounts; identifying, by a computing device, at least one of the multiple transactions as involving a purchase of the at least one target product; determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; and appending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment based on the determined interval satisfying an early-adopter threshold. | 2017-06-22 |
20170178165 | METHOD AND SYSTEM FOR GENERATION OF INDICES REGARDING NEIGHBORHOOD GROWTH - A method for generating a model for indexing neighborhood growth includes: storing transaction messages, each including a geographic location and transaction data, where the geographic location is in one of a plurality of geographic areas; receiving demographic characteristic data including property value data associated with each geographic area; identifying transaction groups for each geographic area including transaction messages where the geographic location is included in the respective associated geographic area; identifying purchase behaviors for each of the plurality of geographic areas based on the transaction data stored in the transaction messages included in associated transaction group; and generating an indexing model configured to calculate an index value for a geographic area indicative of growth or decline of the geographic area based on the purchase behaviors and property value data associated with the respective geographic area for each of the plurality of geographic areas. | 2017-06-22 |