25th week of 2022 patent applcation highlights part 64 |
Patent application number | Title | Published |
20220198382 | LOAD TRACKING WITH SUPPLY CHAIN MANAGEMENT SYSTEM AND PLATFORM - For each of a plurality of orders, an inventory readiness date is received that specifies a first calendar date on which the order of items should be ready at each items' respective destination location. For each item of each order, an arrival date before the readiness date is determined, the arrival date specifying a second calendar date on which the item should arrive at the item's respective destination location. For each item of the order, a corresponding load that the item is a member of is maintained. For each item of the plurality of orders, an inventory readiness metric is generated based on the item's travel based on tracking data for the item's load as the item's load travels from the item's respective source location to the respective destination location. | 2022-06-23 |
20220198383 | GIFT SENDING PLATFORM FOR BUSINESS CONTACTS - A method including receiving, in a server, a selection of a first recipient from a group of contacts in a database for a package from a user, is provided. The method includes scheduling a delivery of the package to a first mailing address, providing a code configured to be scanned by a second recipient to indicate that the first recipient is not available at the first mailing address, and triggering a first notification to be sent to the first recipient when the code is scanned. The method includes receiving, from a first client device associated with the first recipient, a second mailing address of the first recipient in response to the first notification, and scheduling a pickup of the package to be shipped to the second mailing address. A system and a non-transitory, computer-readable medium storing instructions to perform the above method are also included. | 2022-06-23 |
20220198384 | GIFT SENDING PLATFORM FOR BUSINESS CONTACTS - A method including receiving, in a server, a selection of a first recipient from a group of contacts in a database for a package from a user, is provided. The method includes scheduling a delivery of the package to a first mailing address, providing a code configured to be scanned by a second recipient to indicate that the first recipient is not available at the first mailing address, and triggering a first notification to be sent to the first recipient when the code is scanned. The method includes receiving, from a first client device associated with the first recipient, a second mailing address of the first recipient in response to the first notification, and scheduling a pickup of the package to be shipped to the second mailing address. A system and a non-transitory, computer-readable medium storing instructions to perform the above method are also included. | 2022-06-23 |
20220198385 | GIFT SENDING PLATFORM FOR BUSINESS CONTACTS - A method including receiving, in a server, a selection of a first recipient from a group of contacts in a database for a package from a user, is provided. The method includes scheduling a delivery of the package to a first mailing address, providing a code configured to be scanned by a second recipient to indicate that the first recipient is not available at the first mailing address, and triggering a first notification to be sent to the first recipient when the code is scanned. The method includes receiving, from a first client device associated with the first recipient, a second mailing address of the first recipient in response to the first notification, and scheduling a pickup of the package to be shipped to the second mailing address. A system and a non-transitory, computer-readable medium storing instructions to perform the above method are also included. | 2022-06-23 |
20220198386 | GIFT SENDING PLATFORM FOR BUSINESS CONTACTS - A method including receiving, in a server, a selection of a first recipient from a group of contacts in a database for a package from a user, is provided. The method includes scheduling a delivery of the package to a first mailing address, providing a code configured to be scanned by a second recipient to indicate that the first recipient is not available at the first mailing address, and triggering a first notification to be sent to the first recipient when the code is scanned. The method includes receiving, from a first client device associated with the first recipient, a second mailing address of the first recipient in response to the first notification, and scheduling a pickup of the package to be shipped to the second mailing address. A system and a non-transitory, computer-readable medium storing instructions to perform the above method are also included. | 2022-06-23 |
20220198387 | PROVENANCE AND TOKENIZATION PLATFORM FOR HERITAGE GRAINS - A system is provided that tracks provenance of items used in manufacturing of product so that the provenance of the items can be verified by a consumer. The system records in a distributed ledger transactions that identify the origin, originator, and characteristics of an item. The transaction including a signature of the originator that is generated using a private key of the originator. For other participants in the manufacturing of the product, each participant records in the distributed ledger transactions relating to manufacturing of the product. The transactions including a signature of the participant generated using a private key of the participant. The system receives from a consumer an identification of the product, collects transactions relating to product, verifies the transactions using public keys corresponding to the private keys, and provides to the consumer an indication of the provenance of the product. | 2022-06-23 |
20220198388 | Legal Claim Exchange with Price Time Priority Queues - Various implementations directed to a legal claim exchange with price time priority queues are described herein. In one implementation, a method may include receiving claim attribute data from users for legal claims, a legal claim corresponding to a compensation claim by a respective user and the claim attribute data comprising data corresponding to a legal claim type for the legal claim, a monetary value for the legal claim, or combinations thereof. The method may also include receiving device data for the legal claims from the users, wherein the device data for the legal claim comprises data corresponding to locations associated with the legal claim. The method may further include generating a legal claim exchange for legal claim units based on the claim attribute data and the device data, wherein a legal claim unit corresponds to a contractual right to the legal claim available for purchase by the users. | 2022-06-23 |
20220198389 | Reconfigurable Decentralized Freight Shipping system and Method of Operation Thereof - Disclosed is reconfigurable decentralized freight shipping system, configured for a shipper to send at least one shipment to a predetermined target, including: at least one freight terminal configured for receiving a plurality of shipment-loaded standard sized modular container; a plurality of transport means respectively having a wireless communication means and operating in respective operating areas, each of the operating areas being at least intersected with at least another one of the operating areas, and at least one computing server configured for computing the shipping information and the location information of the wireless communication means to work out a delivery solution, transmitting delivery information corresponding to the delivery solution to the transport means, and updating the delivery solution based on the updated shipping information changed by the shipper and/or the recipient destination. | 2022-06-23 |
20220198390 | PROVIDING DIGITAL TWIN ASSETS BASED OFF OF WORK ORDERS - Disclosed are techniques for querying a digital twin marketplace for digital twins relevant to a work order and delivering said digital twins to a mobile computing device. A query for digital twins on a digital twin marketplace is generated using a workorder, followed by an availability assessment to determine the availability of the queried digital twins to a querying user. When a queried digital twin is available to the querying user, the queried digital twin is provided to a mobile computing device associated with the querying user. Querying and providing digital twins in this manner streamlines the determination and provision of digital twin assets to work order responders in-situ. | 2022-06-23 |
20220198391 | SUPPLY CHAIN MANAGEMENT SYSTEM AND PLATFORM - An inventory readiness date is received that specifies a first calendar date on which an order of items should be ready at each items' respective destination location. For each item of the order, an arrival date before the readiness date is determined, the arrival date specifying a second calendar date on which the item should arrive at the item's respective destination location. A departure date before the arrival date is determined, the departure date specifying a third calendar date on which the item should depart the item's respective source location. For each item of the order, an inventory readiness metric is determined based on the item's travel based on tracking data for the item as the item travels from the item's respective source location to the respective destination location. | 2022-06-23 |
20220198392 | Distributed Ledger Arrangement For Supporting Service Transactions In An Industrial System - A distributed ledger arrangement for supporting service transactions in an industrial system includes: a plurality of nodes of a network, each configured to maintain a distributed ledger copy; a plurality of machine-to-ledger interfaces, each configured to receive, from a device acting as service provider and/or service consumer in the industrial system, service condition inquiries and requests to record transactions; and one or more manager-to-ledger interfaces, each configured to receive, from a device owner authorized to specify service conditions with effect on the devices, requests to record service conditions. | 2022-06-23 |
20220198393 | CLOUD-BASED COLLABORATIVE INDUSTRIAL AUTOMATION DESIGN ENVIRONMENT - An industrial integrated development environment (IDE) supports collaborative tools that allow multiple designers and programmers to remotely submit design input to the same automation system project in parallel while maintaining project consistency. These collaborative features can include, for example, brokering between different sets of design input directed to the same portion of the system project, generating notifications to remote designers when a portion of the system project is modified, sharing of development interfaces or environments, facilitating involvement of outside technical support experts to assist with design issues, and other collaborative features. | 2022-06-23 |
20220198394 | SECURED DATA WORKFLOW INTEGRATION AND METHODS THEREOF - The present disclosure includes systems and methods enabling secure workflows by using a processor to receive an activity verification request from an initiator device associated with an entity in response to a user interaction by a user, where the activity verification request includes an identifier in an auxiliary data field of a messaging standard. Using the identifier from the auxiliary data field, the processor determines a secure workflow and generates a workflow token for validation with a workflow service. The processor transmits the workflow token to the initiator device and receives from the initiator device a workflow request including the workflow token. The processor executes, within the workflow service, an instance of the secure workflow according to the workflow request and confidential user data of the user inaccessible to the entity. The processor generates a notification according to the execution of the instance of the secure workflow. | 2022-06-23 |
20220198395 | Method and System for Ascertaining Information Relating to a Collection, a Start and/or an End of a Period Spent in a Workshop and/or in Storage and/or a Delivery of a Green Space and/or Cultivated Area Treatment Device - A method and system ascertain information relating to a collection, a start and/or an end of a period spent in a workshop and/or in storage and/or a delivery of a green space and/or cultivated area treatment device. The method involves the steps of: providing a growth characteristic variable, wherein the growth characteristic variable is characteristic for plant growth on and/or in a space/area treated and/or to be treated by way of the green space and/or cultivated area treatment device; and ascertaining the information on the basis of the provided growth characteristic variable. | 2022-06-23 |
20220198396 | ACCESS CONTROL METHODS FOR COLLABORATIVE EDITING VIA MULTIPLE USER INTERFACES - Access control methods for collaborative editing via multiple user interfaces are disclosed. One such method for editing a design kit for marketing materials includes a first user interface including respective display regions simultaneously displaying at least two of a set of colors, fonts, and logos, the sets each including existing set colors, fonts, and logos, respectively, and a selectable indicium associated with an operation of editing the set of colors, fonts, and logos, respectively, for the design kit. The method also includes maintaining an association with designs or templates that incorporate the stored colors, fonts and/or logos of the design kit. The method causing an updated design kit to be displayed in a second user interface for a second user for use in editing the design or template. The first and second user interfaces are displayed on two different electronic devices connected to one another via a network. | 2022-06-23 |
20220198397 | VIRTUAL INTERVIEW SYSTEM - A virtual interview system including at least one job candidate device and at least one organization device in operable communication with a network. An application system is in operable communication with the network to transmit a plurality of questions to a user interface of the job candidate device. An artificial intelligence engine analyzes each response to the plurality of questions and assigns a point value based on the response, wherein each point value for each of the plurality of questions is totaled to determine if a threshold value is reached. The threshold value determines if the job candidate is permitted to schedule a virtual interview. | 2022-06-23 |
20220198398 | CANDIDATE MATCHING SYSTEM - A candidate schema is received from a recommending terminal. The candidate schema is configured to store subjective information about a candidate. The candidate schema is stored in memory that also stores a database of candidates. The candidate schema is associated with the candidate in the database of candidates. The candidate schema is translated into a normalized schema, and the memory is configured to further store the normalized schema. The normalized schema is associated with a candidate in the database of candidates. The normalized schema is configured to store measurable data about the candidate. A job description for an employment position is received from a hiring terminal through the communications interface. Candidate matches are determined between the normalized schema and the job description for the employment position. The candidate matches are sent to the hiring terminal through the communications interface to be displayed on a graphical interface on the hiring terminal. | 2022-06-23 |
20220198399 | CONVERSATIONAL RECRUITING SYSTEM - Disclosed embodiments provide a framework to facilitate recruitment and processing of applicants. A bot recruiting agent is implemented that engages in a communications session with applicants to solicit responses to questions for a job opening. The responses are scored according to a set of metrics and a fitness score for each applicant is provided. Based on the fitness score, a recommendation for advancing an applicant for the job opening is generated. | 2022-06-23 |
20220198400 | SERVING NETWORK RESOURCES BASED ON CRITERIA FOR USER RECORDS - A method includes receiving a request associated with a first attribute and a criterion, the request representative of an opportunity for employment, each first attribute representative of a qualification associated with the opportunity for employment, the criterion representative of a target affiliation; querying a database to identify a record including a second attribute satisfying the first attribute associated with the request and including a third attribute satisfying the criterion associated with the request, the first attribute included in the record having been determined based on other information in the record; and serving, to a computing device operated by a user associated with the identified record, a network resource providing the user with access to information about the request. | 2022-06-23 |
20220198401 | ATTENDANCE MANAGEMENT SYSTEM - An attendance management system includes a management device configured to manage attendance of a user and one earphone capable of performing a wireless communication with the management device, wherein the earphone is capable of detecting whether the earphone is mounted on the user and transmitting a result of the detection to the management device, and the management device determines that the user is at work when it is detected that a use state of the earphone is a predetermined state in which the earphone is communicably connected to the management device and mounted on the user. | 2022-06-23 |
20220198402 | SYSTEM AND METHOD FOR SCHEDULING PATIENT APPOINTMENTS - A scheduling system and methods for scheduling patient appointments disclosed here utilize any available input to identify a timestamp and a spatial location related to a patient and/or one or more providers in proximity of one or more appointment locations, to allocate a set of procedure resources to each patient appointment based on the timestamps and the spatial locations, and to communicate any revised timing to the patient, thereby minimizing a total waiting time. The scheduling system allows for scheduling of appointments divided into multiple appointment states, each having a predicted timing. After a completed appointment state, individual uncertainty of the predicted timing is replaced with an actual timing and the predicted timing of the remaining schedule is revised. This scheduling system enables adaptive reallocation of resources while avoiding compounding the waiting times that create a multi-state iterative and time-variant problem. | 2022-06-23 |
20220198403 | METHOD AND DEVICE FOR INTERACTING MEETING MINUTE, APPARATUS AND MEDIUM - An interactive method and an interactive device for the meeting minute, an apparatus and a medium are provided. The method includes receiving an interactive triggering operation of a user for the meeting minute in a meeting minute display interface, where the meeting minute display interface displays a multimedia, a meeting subtitle of the multimedia and the meeting minute; and playing the multimedia based on an associated time period of the meeting minute, and distinctively displaying an associated subtitle of the meeting minute in the meeting subtitle. According to the above technical solution, the multimedia can be associated with content related to the meeting subtitle through the interactive triggering operation of the user for the meeting minute in the meeting minute display interface, to improve interactive experience effect of the user. | 2022-06-23 |
20220198404 | ASSET HEALTH SCORE BASED ON DIGITAL TWIN RESOURCES - An approach to assigning health scores to physical assets based on digital twin resources. The approach can retrieve a digital twin with characteristics similar to a physical asset. The approach can predict a health score of the physical asset based on a first asset health formula associated with the digital twin. | 2022-06-23 |
20220198405 | APPARATUS, SYSTEM AND METHOD FOR BUILDING SYSTEM DIAGNOSTICS - A system, method and apparatus is described for a diagnostics platform that allows for building systems diagnostics based on any API protocol or relevant of the protocol through system data allowing for building managers to diagnose and control individualized systems within a building structure. | 2022-06-23 |
20220198406 | FEEDBACK BASED AUTOMATED MAINTENANCE SYSTEM - A system outputs data for performing an operation. The system confirms an identity of a device on which to perform the operation by receiving an input from the device and verifying that the input matches a known identifying information of the device. The system allows the operation to be performed on the device after confirming the identity of the device. The system receives feedback from a monitoring system that monitors states of a plurality of devices including the device, including a state of the device after the operation is performed on the device. The system determines whether the state of the device received in the feedback matches an expected state of the device after the operation is performed on the device. The system outputs data for performing a next operation after determining that the state of the device received in the feedback matches the expected state of the device. | 2022-06-23 |
20220198407 | SYSTEMS AND METHODS FOR RECYCLING CONSUMER ELECTRONIC DEVICES - Systems and associated methods for recycling and performing other processes with consumer electronic devices are described herein. In various embodiments, the present technology includes systems and methods for enabling, e.g., a retailer to identify and evaluate a used or pre-owned consumer electronic device, such as a mobile phone, laptop, etc. to facilitate purchasing the device from the consumer. In some embodiments, the present technology includes an evaluator input device and an evaluator hub device that together evaluate a device and facilitate its purchase and recycling. Various other aspects of the present technology are described herein. | 2022-06-23 |
20220198408 | COMPUTER TRANSACTION SECURITY WITH DELEGATED DECISIONS - A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision function at the access control server computer. | 2022-06-23 |
20220198409 | METHODS AND SYSTEMS FOR INTERACTIVE DATA MANAGEMENT - The described technologies can be used a computer implemented method of cloud data computing with computer readable instructions. The processor(s) may be configured to electronically generating a user digital score attribute data associated with the at least one of the user attribute data. The processor(s) may be configured to electronically generating a graphical user interface for displaying an instrument digital score attribute data including gaming interaction data associated with the computer readable set of user attribute data. The processor(s) may be configured to electronically generating a graphical user interface for displaying a virtual portfolio attribute data associated with the user digital score attribute data and instrument digital score attribute data. | 2022-06-23 |
20220198410 | PROVIDING DATA PROVENANCE, PERMISSIONING, COMPLIANCE, AND ACCESS CONTROL FOR DATA STORAGE SYSTEMS USING AN IMMUTABLE LEDGER OVERLAY NETWORK - A data management system is disclosed for data provenance and data storage that allows multiple independent parties (who may not trust each other) to securely share data, track data provenance, maintain audit logs, keep data synchronized, comply with regulations, and handle permissioning and control who can access the data. The system leverages security guarantees derived from the computer systems already trusted to control billions of dollars of Bitcoin and Ethereum cryptocurrencies to create a secure and completely auditable system of document tracking that can be shared among untrusted parties over a computer network. Certain instances work both with public blockchains like Bitcoin and Ethereum and with private blockchains. | 2022-06-23 |
20220198411 | REAL-TIME PROVISIONING OF TARGETED DIGITAL CONTENT BASED ON DECOMPOSED MESSAGING DATA - The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted digital content based on decomposed, structured messaging data. For example, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty. The message includes elements of message data disposed within corresponding message fields, and the message data characterizes a real-time payment requested from the second counterparty by the first counterparty. The apparatus may generate intent data associated with the data exchange based on the elements of the message data, and based on the intent data, obtain digital content associated with the data exchange. The apparatus may transmit notification data that includes the digital content to a device operable by the second counterparty, and an application program executed at the device to may present a portion of the digital content within a digital interface. | 2022-06-23 |
20220198412 | BILLING AND PAYMENT DEVICE AND UNATTENDED STORE SYSTEM - A cost calculation and payment device includes: a main body provided with a placement portion on which the user places merchandise items; a first camera for capturing an image of the merchandise items placed on the placement portion; a second camera for capturing an image of a face of the user; a controller for cost calculation by recognizing the merchandise items from the image acquired by the first camera and for face authentication based on a face image acquired by image capture by the second camera; and a display for displaying cost calculation result information and face authentication result information acquired by the controller, wherein the controller causes the display to display the cost calculation result information and the face authentication result information by using a superimposed screen configured by at least a first screen disposed on a front side and a second screen disposed on a rear side. | 2022-06-23 |
20220198413 | DISTRIBUTED RULES BASED HIERARCHICAL AUDITING SYSTEM FOR MANAGEMENT OF HEALTH CARE SERVICES - A method includes receiving information associated with a health care service provided to a patient; distributing a plurality of rules for determining responsibility for payment for the health care service across a plurality of hierarchical auditing systems including a primary auditing system and a secondary auditing system; generating, using the primary auditing system, a first payment recommendation for the health care service based on a first subset of the plurality of rules and the information associated with the health care service; communicating the information associated with the health care service to the secondary auditing system; generating, using the secondary auditing system, a second payment recommendation for the health care service based on a second subset of the plurality of rules and the information associated with the health care service; and merging the first payment recommendation with the second payment recommendation to generate a final payment recommendation for the health care service. | 2022-06-23 |
20220198414 | SECURE TRANSMISSION-PAIRING DATABASE SYSTEM - A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination. | 2022-06-23 |
20220198415 | VENDOR TOKEN GENERATOR - A method for generating tokens for use in an email-based e-commerce transaction between third party vendor and a customer that is facilitated by a payment server is disclosed. The method may comprise generating a token for use with an email checkout, wherein the token comprises a customer name, and customer email address. The processor may generate an email message for at least one recipient, the email message including a mailto hyperlink including the token, wherein the mailto hyperlink generates an email response message addressed to the payment server including the token. The method may comprise receiving a notification from the payment server indicating that the at least one recipient that the email response message was successfully received by the payment server and the email-based e-commerce transaction is successful. | 2022-06-23 |
20220198416 | SOCIAL NETWORK PAYMENTS - The disclosure relates to the field of making online payments by integrating social networks and payment networks to a seamless network. In particular, some embodiments of the invention leverage the information in the social network to conduct financial transactions. A social payment network app can incorporate all or most of the functions of credit cards, internet banking and money order companies by using the data and functions already available in the social network. Some embodiments of the invention provide better counterparty recognition, reduce the chance of fraud, or fraud, and provide a cheaper payment platform to consumers or small businesses while also reducing the administrative burden in making and paying purchases or reporting payments and/or expenses to third parties, such as the employer or tax administration. | 2022-06-23 |
20220198417 | REAL-TIME GENERATION AND PROVISIONING OF TARGETED PRODUCT DATA BASED ON STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented systems and processes that generate and provision, in real time, targeted product data based on structured messaging data. For example, an apparatus receives message associated with an exchange of data involving a first counterparty and a second counterparty. The message may include elements of message data disposed within corresponding message fields, and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine that a product is available to the second counterparty based on one or more of the elements of the message data, and may transmit notification data to a device operable by the second counterparty. The notification data comprising product data characterizing the product, and the first notification data causing an application program executed at the device to present at least a portion of the product data within a digital interface. | 2022-06-23 |
20220198418 | SYSTEMS AND METHODS FOR COMMERCE IN A DISTRIBUTED SYSTEM WITH BLOCKCHAIN PROTOCOLS AND SMART CONTRACTS - The present disclosure relates generally to systems and methods for using a distributed ledger (e.g., blockchain) to create an online ticketing platform for the buying and/or selling of authenticated live event tickets. More specifically, exemplary embodiments of the present disclosure relate to systems and methods for creating a blockchain-based online ticketing platform that may be decentralized, that may be public, and that may be transparent to a buyer and/or seller of live event tickets (e.g., sporting events, concerts, theatrical productions, and other live entertainment events). An exemplary embodiment may include a system for electronic commerce in a distributed computing system with blockchain protocols and smart contracts that may comprise: a decentralized, public, and permission-less online platform for the electronic commerce of secure digital assets, wherein the secure digital assets are managed by the blockchain protocols and smart contracts; and a truth source. | 2022-06-23 |
20220198419 | SYSTEM AND METHOD FOR MANAGING PAYMENTS FOR ACCESSING PATIENTS' INFORMATION - A system and a method for managing payments for accessing patients' information are disclosed. The method includes receiving a request from a third party user. The request corresponds to accessing the patients information stored in a blockchain database. The method further includes determining at least one type of the patients' information requested by the third party user. Further, the method includes receiving an authorization from the patient to provide an access of the patients information to the third party user. Thereafter, a payment is calculated based at least on the at least one type of the patients information and the authorization. Finally, access may be provided to the patients information upon receiving the payment. | 2022-06-23 |
20220198420 | SELF-CHECKOUT SYSTEMS USING OVERLAPPING DISPLAY DEVICES - Aspects described herein include a system, method, and computer program product for electronic completion of a transaction. The system comprises a first display device, a second display device that is at least partly overlapped by the first display device, and a touch input device. The system further comprises one or more computer processors configured to display one or more graphical elements using the first display device, and display, responsive to a first input signaling that the transaction is to be electronically completed, one or more user interface (UI) elements using the second display device. The one or more UI elements are viewable through an optically transmissive portion of the first display device. The one or more computer processors are further configured to receive, using the touch input device, at least a second input while the one or more UI elements are displayed. | 2022-06-23 |
20220198421 | SERVER DEVICE AND METHOD OF CONTROLLING A SERVER DEVICE - According to an embodiment, a server device receives access in which participation information is designated from each of terminals provided in a plurality of restaurants. The server device specifies reservation information registered in a reservation management table on the basis of reservation identification information included in the participation information. The server device connects the terminals identified by terminal identification information included in the specified reservation information to each other in a communicable manner. | 2022-06-23 |
20220198422 | AUTHENTICATION OF TRANSACTIONS CONDUCTED USING MOBILE DEVICES - A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared. | 2022-06-23 |
20220198423 | GENERATING AN ONLINE STOREFRONT - Method, systems, and apparatus for generating a storefront for a merchant, comprising: receiving transaction data associated with a brick and mortar (BOM) transaction, processing a payment for the BOM transaction, updating inventory data based on the transaction data, receiving a request to generate an online storefront for a point of sale system of the merchant, where the point of sale system includes inventory data of a plurality of items for sale, identifying the plurality of items for sale from the inventory data from point of sale system; generating one or more resources for each item of the plurality of items for sale; causing display of the graphical user interface comprising the one or more resources to be presented to enable purchase of an item, and updating the inventory data based on a purchase of the item by the ecommerce customer. | 2022-06-23 |
20220198424 | Aggregated Session Management for Terminal Devices - A media terminal includes two integrated currency devices, each device providing at least one feature/operation that is similar to or is the same as the other device. Two independent sessions to each device are made and presented to a transaction application of the terminal as a single aggregated session. When the transaction application issues a command through the single aggregated session, a decision is made that is transparent to the application as to which device should process the command on behalf of the application and the command is issued to the selected device over the corresponding independent session. Results or notifications provided by the selected device are aggregated and provided to the application over the single aggregated session. In an embodiment, the two integrated currency devices are different types of devices from one another. | 2022-06-23 |
20220198425 | Marine Equipment Inventory Tool - A system and method for tracking marine equipment is provided. Generally, the system and method of the present disclosure are designed to generate indicia corresponding to the inventory level of marine equipment used for a particular marine activity. To facilitate the assignment of indicia reflecting the inventory level of marine equipment used for a marine activity, the system and method of the present disclosure uses a plurality of equipment profiles having a defined lower limit and quantity associated with each piece of marine equipment. The lower limit may be manually input or automatically generated. The quantity may be tracked by the system using equipment transmitters and equipment sensors. In a preferred embodiment, the indicia indicate whether the quantity of a piece of marine equipment has fallen below a certain specified level as defined by the user. Users may purchase new marine equipment from third-party retailers via the user interface. | 2022-06-23 |
20220198426 | SHARED MOBILE PAYMENTS - Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices. | 2022-06-23 |
20220198427 | REAL-TIME PROVISIONING OF TARGETED RECOMMENDATIONS BASED ON DECOMPOSED STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes a real-time payment requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface. | 2022-06-23 |
20220198428 | SYSTEMS AND METHODS FOR TONE TO TOKEN TELECOMMUNICATIONS PLATFORM - Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system. | 2022-06-23 |
20220198429 | METHOD FOR TRANSMITTING AND RECEIVING SIGNAL BY UE IN WIRELESS COMMUNICATION SYSTEM SUPPORTING SIDELINK AND DEVICE THEREFOR - According to various embodiments, a method for receiving a signal by user equipment (UE) in a wireless communication system supporting sidelink and a device therefor are disclosed. The method for receiving a signal by UE, and the device therefor are disclosed, the method comprising the steps of: receiving, from a road side unit (RSU) through the sidelink, a first message including information associated with electronic payment; transmitting corresponding payment information to a second device on the basis of an invoice type included in the first message; and receiving payment means information from the second device through an additionally configured first communication link, wherein the first communication link is a communication link formed on the basis of a near field communication technology. | 2022-06-23 |
20220198430 | MID-RANGE READER INTERACTIONS - A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device. | 2022-06-23 |
20220198431 | TEXT MESSAGING SERVICE BASED COMMERCE SYSTEM - A computing device provides enhancement of the capabilities of text messaging applications that execute on user devices. The computing device includes a processor that receives a text message via a network from a user device, the text message including a character representation of a product bundle of a merchant. The processor determines bundle data for the product bundle by referencing a database using the character representation. The processor provides one or more text messages via the network to the user device with transaction data including the bundle data, payment data, and shipping data. The processor receives a text message via the network from the user device confirming the transaction data. The user may use text commands presented by the computing device or natural language conversation in the text messages to the computing device to modify the transaction data and perform other ecommerce actions. | 2022-06-23 |
20220198432 | REAL-TIME DETERMINATION OF TARGETED BEHAVIORAL DATA BASED ON DECOMPOSED STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented systems and processes that provision targeted behavioral data based on structured messaging data. For example, an apparatus may obtain elements of decomposed message data that characterize real-time payments associated with a counterparty during a first temporal interval. Based on the elements of decomposed message data, the apparatus may determine a value of a plurality of parameters that characterize the counterparty during the first temporal interval. Further, and based on the elements of decomposed message data and on the parameter values, the apparatus may generate output data indicative of a likelihood of an occurrence of an event during the first temporal interval or a second temporal interval. The apparatus may also transmit notification data to a device operable by the counterparty. The notification data may cause an application program executed at the device to present the portion of the output data within a digital interface. | 2022-06-23 |
20220198433 | REAL-TIME RECONCILIATION PROCESSING BASED ON STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented systems and processes that perform reconciliation processing in real-time based on structured messaging data. For example, an apparatus may receive elements of decomposed message data that include a first parameter value of a data exchange involving first and second counterparties, and that characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may transmit a notification to a first device operable by the second counterparty and receive a response to the notification from the first device that includes a second parameter value of the data exchange. Based on at least the first and second parameter values, the apparatus may perform operations that reconcile the response with the elements of decomposed message data, and transmitting data indicative of an outcome of the reconciliation to a second device operable by the first counterparty for presentation within a digital interface. | 2022-06-23 |
20220198434 | DYNAMIC PAYMENT DEVICE ASSIGNMENTS USING A CLOUD-BASED TRANSACTION SYSTEM - The present disclosure involves solutions for dynamically connecting a customer-owned mobile device, a cloud-based service, and one or more particular physical payment devices located at an entity. In one example, as executed at a cloud-based payment service, a unique identifier associated with a location of a mobile device of a customer is received. An entity and a first location within the entity is determined based on the unique identifier, and a particular payment device at the entity is determined. The cloud service transmits, to the particular payment device, information to be used by the particular payment device to perform the payment transaction. A second signal is transmitted to the mobile device of the customer, and includes an indication of the particular payment device at which the payment transaction is to be completed. The payment transaction can then be completed at the particular payment device. | 2022-06-23 |
20220198435 | SYSTEM BUILT BY CONNECTION BETWEEN A MOBILE TERMINAL AND A SERVICE PROVIDING DEVICE, AND SERVICE PROVIDING METHOD - The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc. | 2022-06-23 |
20220198436 | SYSTEM BUILD BY CONNECTION BETWEEN A MOBILE TERMINAL AND A SERVICE PROVIDING DEVICE, AND SERVICE PROVIDING METHOD - The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc. | 2022-06-23 |
20220198437 | SYSTEM BUILT BY CONNECTION BETWEEN A MOBILE TERMINAL AND A SERVICE PROVIDING DEVICE, AND SERVICE PROVIDING METHOD - The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc. | 2022-06-23 |
20220198438 | SECURE PRODUCT PROVISIONING SYSTEMS AND METHODS FOR PREVENTING ELECTRONIC FRAUD BY GENERATION OF EPHEMERAL VIRTUAL CARDS FOR INJECTION FROM SECURE PROXY ACCOUNTS INTO ELECTRONIC PROVISIONING NETWORKS - Secure product provisioning systems and methods are described for preventing electronic fraud by generation of ephemeral virtual cards for injection from secure proxy accounts into electronic provisioning networks. A provisioning server receives a provisioning request from a provisioning application (app) that indicates a product selected from one or more products and a merchant selected from one or more merchants. The server generates an ephemeral virtual card comprising a unique ephemeral code and a payment amount, each injected from a secure proxy account accessible only by the provisioning server. The ephemeral virtual card virtually emulates a physical or electronic card acceptable by the electronic provisioning network of the merchant. The provisioning server submits the ephemeral virtual card to the electronic provisioning network of the merchant. The receipt of the ephemeral virtual card causes initiation of a transaction between a user and the merchant for the product. | 2022-06-23 |
20220198439 | SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR BLOCKING MALICIOUS EMV TRANSACTIONS - An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag. | 2022-06-23 |
20220198440 | Method, System, and Computer Program Product for Generating a Token for a User Based on Another Token of Another User - Provided is a method for generating a token. The method may include receiving a token creation request from a first user device of a first user, wherein the token creation request comprises first payment token data associated with a first payment token provisioned to the first user device and monetary amount data associated with a monetary amount; communicating an approval request based on the token creation request to an issuer system; receiving an approval response based on the approval request from the issuer system; generating a second payment token based on the approval response; and communicating second payment token data associated with the second payment token to a second user device of a second user. A system and computer program product are also disclosed. | 2022-06-23 |
20220198441 | METHODS AND SYSTEMS FOR TRANSFERRING UNSPENT TRANSACTION OUTPUT (UTXO) TOKENS IN A BLOCKCHAIN NETWORK - Mechanisms for efficiently transferring multiple unspent transaction output (UTXO) tokens in a blockchain network operating a UTXO-based token transaction model are disclosed herein. These methods allow for the use of less computer processing and network bandwidth resources in the transfer of blockchain items, particularly in blockchain schemes with lineage tracking mechanisms (e.g. as may allow for clawback of tokens). Some embodiments comprise generating a delegated account and transferring the UTXO tokens into the delegated account. The ownership of the delegated account can then be transferred to another use of the blockchain network in a single transaction, thereby avoiding the need to individually transfer the UTXO tokens and incur the memory and computational resource burden and costs associated with therewith. | 2022-06-23 |
20220198442 | SECURE COMMUNICATIONS FOR MOBILE WALLET APPLICATIONS - Various examples are directed to secure communications for mobile wallet applications. A first mobile wallet application may send a content request describing a first offering to a wallet management system. The first mobile wallet application may receive from the wallet management system first merchant web content describing the first offering. The first merchant web content may be verified by the wallet management system and may comprise first address data describing a first address of a first merchant payment gateway. The first mobile wallet application may send payment data to the first merchant payment gateway at the first address. The payment data may indicate a payment amount for the first offering. | 2022-06-23 |
20220198443 | METHOD AND APPARATUS FOR IDENTIFYING WALLETS ASSOCIATED WITH VIRTUAL ASSET SERVICE PROVIDERS - A method for identifying a wallet address associated with a virtual asset service provider is provided. The method comprises receiving a target wallet address, obtaining a transaction of a virtual asset associated with the target wallet address, obtaining a list of a plurality of known wallet addresses of virtual asset service providers (VASPs) and identifying a type of the target wallet address, by performing at least one of a cold wallet determination routine and a hot wallet determination routine for the target wallet address, based on the transaction and the list of known wallet addresses of the VASPs. | 2022-06-23 |
20220198444 | COMPUTER-IMPLEMENTED SYSTEM AND METHOD FOR IMPLEMENTING ALIAS-BASED ADDRESSING FOR A DISTRIBUTED LEDGER - The present disclosure provides a method of implementing a payment service for one or more clients for transactions associated with a distributed ledger, such as the Bitcoin blockchain. The method comprises providing an alias for a client, associating the alias with a network in a directory and providing a location for a host computing resource responsible for the payment service, wherein the host computing resource is configured to facilitate identification of the client associated with the alias. The present disclosure also provides a method comprising creating a machine readable resource in a location associated with the payment service, wherein the machine readable resource comprises an endpoint identifier for the payment service, an entry associated with at least one capability supported by the payment service, and instructions and/or a specification for accessing a public address for facilitating transactions associated with the alias. The present disclosure also discusses a method of implementing a simplified payment protocol for clients associated with the payment service. | 2022-06-23 |
20220198445 | REAL-TIME PREDICTION OF PARAMETER MODIFICATIONS BASED ON STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented apparatuses and processes that predict, in real-time modifications to parameters based on structured messaging data. For example, an apparatus obtains (i) first elements of decomposed message data that characterize real-time payments requested by a first counterparty and (ii) a second elements of decomposed message data that characterize real-time payments requested by one or more second counterparties associated with the first counterparty. The apparatus determines a first value of a parameter of a data exchange based on the first elements of decomposed message data, and determines a second value of the parameter based on the second elements of decomposed message data. Based on the first and second parameter values, the apparatus generates information characterizing a modification to at least the first parameter value during a temporal interval, and transmit notification data that includes the information characterizing the modification to a device operable by the first counterparty. | 2022-06-23 |
20220198446 | Method for Recording Data Related to Product Manufacture and Sales, and Related System - A method of recording data, wherein the method includes recording data related to manufacture and sales of products in one or more enterprise management information systems at a rate at which production cycles are completed; deriving, from the recorded data, data in accordance with requirements of industry standards used in an enterprise, and generating artifacts based on the derived data; generating key attributes which briefly describe the generated artifacts; transmitting the generated artifacts and the key attributes to a logic module; transmitting the generated artifacts to an interplanetary file system (IPFS) node for recording in the IPFS; generating, by the node, a hash for each recorded artifact, which unambiguously identifies the recorded artifact, and transmitting generated hashes to the logic module; combining, by the logic module, each generated hash with respective key attributes; and transmitting the combined result to a blockchain platform node to be recorded in the blockchain platform. | 2022-06-23 |
20220198447 | TARGET OBJECT MANAGEMENT METHOD, SMART CONTRACT, AND MANAGEMENT DEVICE - A method of managing an object according to the disclosure includes executing, by a smart contract implemented on a blockchain, an operation on a non-fungible token. The non-fungible token is identified by an identifier included in a code assigned to the object. | 2022-06-23 |
20220198448 | SYSTEMS AND METHODS FOR SECURE TRANSACTION APPROVAL - System and methods of contactless card authentication systems include a contactless card and a client device having an application, a processor, and a card reader. An application on the client device receives a transaction lockdown request, sends a request to the server to begin to allow a transaction approval within a time period, receives the transaction approval via an authentication tap from the contactless card, sends the transaction approval to the server; and receive an allowance or disallowance response from the server. | 2022-06-23 |
20220198449 | BLOCK PACKAGING METHOD BASED ON BLOCKCHAIN TRANSACTION AND ELECTRONIC DEVICE USING THE SAME - A block packaging method based on blockchain transaction is used in an electronic device. The electronic device controls each node in the blockchain to receive and store a blockchain transaction, and calculate a hash value of the each node according to the blockchain transaction, generate a package voting information according to the hash value of the each node, and send the package voting information to a voted node. The electronic device further controls the each node to record the number of votes as the voted nodes according to the package voting information to obtain the number of votes of the each node, take the node with the largest number of votes as a target node according to the number of votes, and pack the blockchain transaction into blocks and broadcast the blocks to all nodes in the blockchain. | 2022-06-23 |
20220198450 | METHOD AND SYSTEM FOR PRESENTING REPRESENTATIONS OF PAYMENT ACCEPTING UNIT EVENTS - A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment from a mobile payment application executing on the mobile device, displaying a visual indication of the payment accepting unit and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application. | 2022-06-23 |
20220198451 | SYSTEM AND METHOD FOR UPDATING ACCOUNT INFORMATION - Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account. | 2022-06-23 |
20220198452 | PAYMENT GATEWAY DISINTERMEDIATION - A computer-implemented is disclosed. The method includes: receiving a first payment request for a merchant transaction from a first e-commerce platform; identifying a destination gateway associated with the merchant at a second e-commerce platform; and processing the first payment request for the merchant transaction from the first e-commerce platform using the destination gateway associated with the merchant at the second e-commerce platform, the processing including: obtaining one or more data modification parameters for the destination gateway, the one or more data modification parameters stored in association with the merchant by the second e-commerce platform, generating a second payment request based on a data payload associated with the first payment request and the one or more modification parameters for the destination gateway, and sending the second payment request to the destination gateway. | 2022-06-23 |
20220198453 | Systems and Methods for Automatically Securing and Validating Multi-Server Electronic Communications Over a Plurality of Networks - In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transaction is approved. | 2022-06-23 |
20220198454 | CHECKOUT SYSTEM AND CHECKOUT METHOD - A checkout system is implemented by one or more computers. The checkout system includes: a product detection unit configured to detect a product to be purchased; a determination unit configured to detect whether the product detected by the product detection unit is a restricted product; an input unit configured to receive a designation operation of a settlement method by a customer; a reading unit configured to read settlement information from a settlement medium corresponding to the settlement method; an acquisition unit configured to acquire age information of the customer in accordance with the settlement method; and a processor configured to determine, in a case in which the restricted product is detected by the determination unit, purchase permission process of the restricted product based on whether the age information can be acquired by the acquisition unit. | 2022-06-23 |
20220198455 | CONFIGURABLE TRANSACTION MANAGEMENT CONTROLLER AND METHOD THEREOF - Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a 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 the business management engine. Other embodiments are described and claimed. | 2022-06-23 |
20220198456 | METHOD, APPARATUS AND COMPUTER PROGRAM PRODUCT FOR REPORTING AN EXCHANGE OF MESSAGES BETWEEN NODES IN A NETWORK - A method, apparatus and computer program product for reporting an exchange of messages between nodes in a network is provided by the present disclosure, the method comprising: receiving from a first device, using circuitry, a request for data for a target node, the data indicative of an exchange of messages between nodes in a network linked to the target node determining, by the circuitry, whether a request for data for the target node has previously been received; and, when a request for data for the target node has previously been received, the method comprises: building, by the circuitry, data indicative of the exchange of messages between nodes in the network linked to the target node; identifying, by the circuitry, a new portion of the data based on a comparison of the data with previous data which has been built for the target node; and reporting to the first device, by the circuitry, the new portion of the data. | 2022-06-23 |
20220198457 | DEBT REPAYMENT SYSTEM AND DEBT MANAGEMENT METHOD - A debt repayment system and a debt management method are provided. In the method, a transaction via a purchase carrier is received, and a purchase amount is obtained. A repayment plan including first and second stages is determined according to a total debt and the purchase amount and transmitted as a smart contract to a blockchain network. A first repayment in the repayment plan of the first stage relates to interest repayment without principal for the total debt, and a second repayment in the repayment plan of the second stage relates to interest repayment with principal for the total debt. A repayment transferred from a repay account is determined according to a debt ratio of credit bank. A risk coefficient corresponding to the current transaction is determined, and a candidate verification is selected according to the risk coefficient. The current transaction is accepted in response to passing the candidate verification. | 2022-06-23 |
20220198458 | SYSTEMS AND METHODS FOR BLOCKCHAIN BASED IDENTITY ASSURANCE AND RISK MANAGEMENT - The method includes receiving a first identity attribute; determining a corresponding first level of assurance (LOA) based on the first identity attribute and a first attribute history; receiving a second identity attribute; determining a corresponding second LOA based on the second identity attribute and a second attribute history; defining a Self-Sovereign Identity (SSI) based on the first identity attribute, the second identity attribute, the first LOA, and the second LOA; and determining an aggregate LOA based on the SSI. | 2022-06-23 |
20220198459 | PAYMENT TERMINAL PROVIDING BIOMETRIC AUTHENTICATION FOR CERTAIN CREDIT CARD TRANSACTIONS - The techniques described herein relate to methods and apparatus for authenticating credit card transactions using a payment terminal that leverages a facial recognition module to capture facial images. The payment terminal communicates with a back-end server to perform the facial recognition process, and determines whether to authorize or deny a transaction based on the results of the facial recognition process received from the back-end server. | 2022-06-23 |
20220198460 | SYSTEM FOR VERIFICATION AND MANAGEMENT FOR DIGITALLY CASH TRANSACTIONS - A computerized system for verifiably pairing financial events including a loan with a digital representation and a check cashing transaction with a digital representation comprising: a kiosk and controller in communication with a persistent storage; a sensor assembly in communications with the controller wherein the sensor assembly is adapted for sensing a borrower application as the loan origination location; a set of non-transitory computer readable instructions included in controller adapted for: determining the location of the kiosk, retrieving, from the persistent storage, a loan record representing loan from a lender to a borrower, creating a payment record including payment information captured by the sensor assembly representing a payment according to the loan record from the borrower wherein the payment record includes the date, time, payor, amount, location and any combination, associating the payment record with the loan record and storing the payment record on the persistent storage. | 2022-06-23 |
20220198461 | TRANSACTION OVERRIDES - Systems and methods are presented for payment transaction overrides and system initiated payment splitting. In one embodiment, a first authorization request associated with a first account is monitored at an override computer, an override trigger is identified, and a transaction override approval is received. Override authorization requests are then sent, and responses to the override authorization requests are received at the override computer. A response to the initial authorization request is the sent based on the response received to the override authorization request. In alternative embodiments the override requests are cascaded, or include requests for new account creation. | 2022-06-23 |
20220198462 | SELECTIVE PRESENTATION OF REAL-TIME CONTACT OPTIONS BASED ON USER AND SYSTEM PARAMETERS - Embodiments for presenting real-time contact options are described herein. In example embodiments, as system identifies a number of user devices actively viewing a web page that includes a real-time contact option. The system then determines whether the number of user devices actively viewing the web page that includes the real-time contact option exceeds a predetermined limit. If the number of user devices actively viewing the web page that includes the real-time contact option exceeds the predetermined limit, the system prevents presentation, to a further user device, of the real-time contact option on the web page. Conversely, if the number of user devices actively viewing the web page that includes the real-time contact option does not exceed the predetermined limit, the system causes presentation of the web page with the real-time contact option to the further user device. | 2022-06-23 |
20220198463 | SYSTEM, DEVICE, AND METHOD OF PERFORMING DATA ANALYTICS FOR GENERATING SALES TASKS FOR SALES REPRESENTATIVES - A system is provided for interpreting conversation profile records and generating sales task. The system includes a data store having a plurality of data items including conversation profile data and consumer product data and a resource management module configured to evaluate the data items and create a plurality of sales representative tasks and assign to each task at least one of a customer, a product, a sales representative, at least one action plan queue, and a priority level according to the evaluation. The evaluation of the data items can include identifying patterns between the data items. | 2022-06-23 |
20220198464 | METHODS FOR AUTOMATED PREDICTIVE MODELING TO ASSESS CUSTOMER CONFIDENCE AND DEVICES THEREOF - A method, non-transitory computer readable medium and device that assesses customer confidence includes retrieving at least customer service data and customer order data from one or more stored customer database systems associated with customer identifiers for a plurality of customers. A predictive modeling algorithm on the customer service data and the customer order data is executed to generate one of a plurality of customer confidence rankings for each of the customer identifiers. At least one action is initiated based on the generated customer confidence rankings for the one or more customer identifiers. | 2022-06-23 |
20220198465 | Automated Consent Management Systems and Methods for Using Same - The disclosed embodiments can be used to automate the acquisition and management of user consents for one or more campaigns, thus reducing the possibility of unintended violations of consent requirements as compared with existing systems. In accordance with the disclosed embodiments, each user consent may be associated with at least three different values. The consent management system may be configured to filter consent values for various users and send user-consent requests to certain users based on their filtered user-consent values. In some disclosed embodiments, a user may provide consent to allow communications of the user's information to certain “connected parties.” The connected parties, moreover, may need to separately provide user consent(s) as necessary to effectuate communications for a campaign in compliance with one or more laws, rules, or regulations. | 2022-06-23 |
20220198466 | DEADLINE MANAGEMENT SERVER, AGENT PROGRAM, AND TERMINAL RENTAL SYSTEM - There is provided, in relation to a terminal lending system, a system that is capable of setting a terminal in a usable state only during a period that is set in advance. A deadline management server for managing a return deadline for a terminal for lending, where, in response to a request for terminal activation issued to the deadline management server by an agent program executed on the terminal, the deadline management server issues activation period data including deadline data regarding the return deadline for the terminal, the deadline data being set in advance by the deadline management server, and causes the agent program to change setting of the terminal. | 2022-06-23 |
20220198467 | SYSTEM AND METHOD FOR SECURITIES SYNDICATION AND INVESTMENT PROMOTION - A system and method for providing a means securities syndication and investment promotion comprised of a system server, an issuer device, and a client device. Disclosures are appended to the end of relevant content, such as investor statements. The disclosures are generated at one or more issuer device. The disclosures are selected based on the relevant content and target audience. The relevant content and disclosures are then transmitted to the target audience. | 2022-06-23 |
20220198468 | SPEECH INFORMATION COMMUNICATION MANAGEMENT METHOD AND APPARATUS, STORAGE MEDIUM, AND DEVICE - A speech information communication management method and apparatus, a storage medium, and a device, the method includes obtaining speech information published by a user on a first network platform in a blockchain network; performing violation recognition on the speech information to obtain a violation recognition result; in a case that the violation recognition result meets a preset violation condition, generating violation credit record data of the user according to the violation recognition result, platform identifier information of the first network platform, and user identifier information of the user; broadcasting the violation credit record data of the user to a second network platform in the blockchain network; and after the blockchain network reaches a consensus on the violation credit record data of the user, storing the violation credit record data of the user into a blockchain corresponding to the user. | 2022-06-23 |
20220198469 | CLASSIFYING FRAUD INSTANCES IN COMPLETED ORDERS - An online system receives a completed order of items fulfilled by a picker and a transaction log of the completed order from a retailer where the completed order was fulfilled. The online system compares the completed order of items to the transaction log of the completed order to identify one or more unmatched items. The online system generates, at an auditor client device, a user interface that shows the unmatched items and an option to mark each unmatched item as a fraud instance. The online system receives an indication of a fraud instance for one of the unmatched items from an auditor via the user interface. The online system adds a value of the fraud instance to a fraud total of the picker. If the online system determines that the fraud total for the picker exceeds a threshold, the fraud module deactivates the picker's account. | 2022-06-23 |
20220198470 | Fraud Detection with a Stacked Auto Encoder with Embedding - An improved apparatus and method for detecting fraud is described using a stacked auto encoder with embedding to encode and decode a transaction to determine fraud. The technique includes model tuning software and transaction review software. The model tuning software views the transaction and tunes an artificial neural network model to minimize reconstruction loss. The transaction review software processes the transaction through the artificial neural network model, converting the transaction into a feature vector, encoding the feature vector into a compressed vector, decoding the compressed vector into a reconstructed vector, subtracting the reconstructed vector from the feature vector, and determining a fraud indication and reasoning based on a difference from the reconstructed vector from the feature vector. | 2022-06-23 |
20220198471 | GRAPH TRAVERSAL FOR MEASUREMENT OF FRAUDULENT NODES - A graph of nodes and edges is received. An identification of a starting node in the graph is received. Traversal walks on the graph from the starting node are automatically performed, wherein performing each of the traversal walks includes traversing to a randomly selected next node until any of one or more stopping criteria is met. One or more processors are used to determine one or more metrics based on the traversal walks. At least a portion of the one or more metrics is used to predict an illicit activity or entity. | 2022-06-23 |
20220198472 | System Providing Self-Service Access to Locked Merchandise - A system providing self-service access to locked merchandise comprising: (a) providing a fixture that restricts access to the locked merchandise, wherein the fixture can automatically lock or unlock, allowing or restricting access to the locked merchandise; (b) providing a means of uniquely identifying an individual attempting to access the merchandise; (c) measuring a set of behaviors of the individual during any time the fixture is an open mode; (d) assessing whether the set of behaviors of the individual are suspicious or not relative to a set of suspicious event thresholds; (e) storing the individual and their set of behaviors as accessible records in at least one database; and (f) providing an algorithm which determines future access privileges of the individual to the enclosure based on a set of variables. | 2022-06-23 |
20220198473 | METHOD AND APPARATUS FOR GENERATING AND QUERYING TRACEABILITY CODE OF COMMODITY - The invention provides a method for generating traceability code of commodity, comprising: acquiring traceability information of a commodity, and generating a traceability report based on the traceability information; acquiring first image information of the commodity, performing fingerprint extraction on the first image information of the commodity, and acquiring first fingerprint information of the commodity; generating a traceability code of the commodity according to the traceability report and the first fingerprint information. By adding the fingerprint information corresponding to the commodity image information to the commodity traceability code, the corresponding binding of the commodity traceability code and the real commodity can be realized, which avoids problems such as messy application of the traceability label, and improves the anti-counterfeiting performance of the traceability label. | 2022-06-23 |
20220198474 | OPTIMIZATION OF PROVIDING TECHNICAL SERVICES - Information about a technician is received, in which the information includes an area expertise, a skill level, qualifications, available tools and materials, a previously performed service history and a location of the technician. A plurality of service request candidates is received that includes information associated with respective service requests. A first set of service requests appropriate for the technician is identified by comparing the information about the technician and the current location of the technician to the plurality of service request candidates. A recommended order to perform the first set of service requests is determined, based on a distance between service request locations, urgency of performing the service request, and factors associated with the respective service request; and a map representation of relative locations and the recommended order of service request response for the first set of service requests is presented to the technician. | 2022-06-23 |
20220198475 | SYSTEM FOR GENERATING USER-SPECIFIC RECOMMENDATIONS, SHOPPING LISTS, AND INSTRUCTIONS - A system for recommending products and providing instructions for projects is disclosed, the system comprising a product database to store a plurality of product information and a project database to store a plurality of project information. The project information includes a plurality of steps and a plurality of products to complete the project. A user interface module displays the plurality of steps and the plurality of products on a display of a computing device. A recommendation engine recommends at least one of the plurality of products and an amount for each of the plurality of products to complete at least one of the plurality of projects. The recommendation engine is in operable communication with the product database and the project database to recommend the at least one product and the at least one project to the user based on an inventory of a store. | 2022-06-23 |
20220198476 | SYSTEMS FOR IDENTIFYING THE ABILITY OF USERS TO FORECAST POPULARITY OF VARIOUS CONTENT ITEMS - Exemplary data processing systems and computer implemented methods are disclosed for identifying the ability of users to forecast popularity of various content items. Exemplary systems and methods identify a time period for a contest over which users compete to identify popular content items; receive content item selections identifying content items selected by a user as potentially popular; track, over the time period, view counts for the content items identified by the content item selections; determine, for the time period, view count gain rates for the content items identified by the content item selections in dependence upon the view counts for those content items; determine, for each of the users, a user rank in dependence upon the view count gain rates for the content items selected by that user; and publish the user rank for at least one of the users. | 2022-06-23 |
20220198477 | PROCESS FOR PERSONALITY-BASED CLIENT ALLOCATION AND SELLING ACTIVITY PRIORITIZATION - The present invention is directed to the moderating effects of business-to-business (B2B) buyer personal characteristics on the relationship between sales activities and sales effectiveness. Artificial intelligence based personal personality prediction and optionally also geodemographic segments of buyers—as a proxy for personal characteristics—moderate the strength of the relationship between selling activities and sales effectiveness. Overall, the results of use of the present invention demonstrate that selling activities have varying impacts on sales effectiveness within purchaser individual personality and geodemographic segments and buyclass scenarios. While it has been long held that understanding the personal characteristics of the B2B purchasing decision-maker is critical for sales effectiveness, little guidance has been provided on how to accomplish this to scale. The present invention provides a framework and process for practitioner operationalization. The present invention proves that personal characteristics of the purchase decision-maker may transcend business-to-consumer and B2B purchasing contexts. | 2022-06-23 |
20220198478 | PRODUCT EVALUATION APPARATUS AND PRODUCT EVALUATION METHOD - A product evaluation apparatus includes a controller configured to: acquire evaluation information that indicates a result of an evaluation performed by a user for each evaluation item in a plurality of evaluation items for a product operated by the user, specification information that indicates a content of a specification determined for each specification item in a plurality of specification items for the product, and history information that indicates a history of operations performed by the user on the product, the history of operations being categorized by a plurality of history items; and identify, among the plurality of specification items, one or more specification items that correspond to each evaluation item, based on the evaluation information, the specification information, and the history information. | 2022-06-23 |
20220198479 | SYSTEM FOR INCENTING ACCOUNT HOLDER TRANSACTION WITH MERCHANT DONATION - Methods and systems for generating alerts or recommend incentives for a loyalty program that provides incentives to cardholders in connection with transactions between the cardholders and merchants are disclosed. A merchant is identified. Transaction data reflective of completed transactions are received by way of a network. The transaction data is processed to generate an alert notifying the identified merchant of an event or trend, or to generate a recommended incentive that defines a benefit to be provided by the identified merchant to a cardholder upon the occurrence of an anticipated transaction. | 2022-06-23 |
20220198480 | SYSTEMS AND METHODS FOR GENERATING AN OPTIMAL ALLOCATION OF MARKETING INVESTMENT - Systems and methods for generating an optimal allocation of marketing investment for a marketing budget based on a marketing variable without requiring historical time-series data or survey data are disclosed. A first advertising elasticity is determined for the marketing variable based on a meta-analysis of a normative database. A second advertising elasticity is determined based on financial data for the offering being analyzed. The first and second advertising elasticities are combined to determine the optimal allocation. | 2022-06-23 |
20220198481 | SYSTEM AND METHOD FOR SECURING AUTOMATED TRADE TRANSACTION - A system and method for providing an automated trade transaction using blockchain technology that include electronically receiving transaction data associated with a plurality of supply chain transactions. The system and method also include electronically aggregating the transaction data associated with the plurality of supply chain transactions received during a predetermined period of time into at least one transactional data package and electronically providing and assigning secure encrypted credentials to the supply chain stakeholder and at least one of: an additional supply chain stakeholder and a regulatory agency to securely access a blockchain infrastructure. The system and method further include electronically passing the at least one transactional data package through the blockchain infrastructure to complete a secure communication of the transaction data between the supply chain stakeholder and at least one of: the additional supply chain stakeholder and the regulatory agency. | 2022-06-23 |