26th week of 2021 patent applcation highlights part 55 |
Patent application number | Title | Published |
20210201233 | RESERVATION APPARATUS, RESERVATION METHOD, AND RESERVATION SYSTEM - A reservation apparatus has an operator information acquisition part that acquires task information indicating content of task to be executed using any robots in association with an operator ID for identifying an operator U operating the robot, a selection part that selects a robot to be used by the operator U from among the plurality of robots on the basis of the contents of a task indicated by the task information, and a reservation processing part that causes a storage part to store, in association with the operator ID, a robot ID for identifying the robot to be used selected by the selection part and a reservation period during which the robot to be used become available. | 2021-07-01 |
20210201234 | INTELLIGENT REGULATION SYSTEM FOR ASSET MANAGEMENT - An intelligent regulation system for asset management is provided, wherein an area regularization module is configured to divide a target space into M deposit areas and divide each deposit area is divided into N deposit sub-areas; a volume regularization module is configured to select a deposit area according to volume and weight of an asset; an information regularization module is configured to select the deposit sub-area according to a type and use of the asset; an information matching module is configured to associate the volume and weight of the asset as identification information with a numbering of the asset deposit sub-area, and associate an occupied status of M×N deposit sub-areas with the identification information; an intelligent regulation module is configured to formulate an asset management regulation strategy. The disclosure determines whether the assets have been in abnormal situations according to the actual volume and actual weight to optimize asset management. | 2021-07-01 |
20210201235 | CYCLE AND SAFETY STOCK DETERMINATION SYSTEMS - Disclosed are methods and systems for intelligent distribution of products. In one aspect, a system comprises a memory storing instructions and at least one processor configured to execute the instructions. The processor performs operations include receiving forecasting data comprising an expected demand of a stock keeping unit and determining a target inventory of the SKU to satisfy the expected demand. The operations further include determining a regional target inventory of the SKU of a region comprising a plurality of fulfillment centers. The operations further comprise receiving historical data comprising the inbound and outbound shipment history of a fulfillment center in the plurality of fulfillment centers and generating a profile for the fulfillment center. The operations further comprise assigning a portion of the regional target inventory to the fulfillment center and transmitting instructions to a device to stock a number of SKUs in the fulfillment center based on the portion. | 2021-07-01 |
20210201236 | LINKEDCHAIN, CONTROL TOWER AND BLOCKCHAIN FOR ENTERPRISE APPLICATIONS - The present invention provides linkedchain, control tower and blockchain for one or more enterprise applications. The system includes a linked chain within a control tower configured to connect with blockchain and non-blockchain based entity systems. | 2021-07-01 |
20210201237 | ENHANCED USER SELECTION FOR COMMUNICATION WORKFLOWS USING MACHINE-LEARNING TECHNIQUES - The present disclosure relates to systems and methods for intelligently selecting users for inclusion in workflows. In some examples, machine-learning techniques can be executed to intelligently expand the set of user profiles included in a workflow. The intelligent selection of new user profiles may be continuously performed over time intervals, thereby enhancing the computational efficiency and accuracy of expanding the user profiles selected for inclusion in the workflow. | 2021-07-01 |
20210201238 | SYSTEMS AND METHODS RELATING TO CUSTOMER EXPERIENCE AUTOMATION - A computer-implemented method for automating actions for a customer in relation to an interaction between the customer and an agent of a contact center, the interaction including an exchange of statements made by the customer and agent. The method includes the steps of: receiving a transcript of the interaction; via a first analysis, analyzing the transcript; from results of the first analysis, identifying: a pending action, wherein the pending action is an action promised by the customer or agent that will be resolved after the interaction; and a target timeframe for resolving the pending action; given the pending action, determining a follow-up workflow that includes one or more follow-up actions, each of the one or more follow-up actions comprising an action intended to assist the customer to resolve the pending action; and automatically executing the one or more follow-up actions. | 2021-07-01 |
20210201239 | ADAPTIVE TIMELINE INTERFACE FOR FACILITATING THE ACHIEVEMENT OF GOALS - A user-interface is provided for facilitating the achievement of goals. The goals that are facilitated using the interface may vary from implementation to implementation. The interface includes an event timeline that has a chronologically-ordered series of event entries. The event entries indicate tasks associated with a plan for achieving one or more goals specified by the user. The plan is automatically determined by an automated service based on the user's specified goals, the timing/priority specified for those goals, and information about the user obtained from sources other than the user. The automated service periodically collects information from those sources to determine whether the user performs the specified tasks in compliance with the timings specified in the plan. In response to determining non-compliance, the service automatically revises the plan and generates a revised event timeline with event entries for tasks in the revised plan. The interface may include a metric timeline that displays predicted future values of a metric associated with one or more of the user's goals. A “now-line” in the metric timeline may move automatically in sync with the user scrolling the event timeline. | 2021-07-01 |
20210201240 | Dynamic Dash Flow For Tracking Key Performance Indicators Of Tasks Associated With Particular Medical Order Types - Systems, methods, and user interfaces provide user-friendly interactive digital workflow graphics for displaying an order's journey through various tasks and key performance indicators (KPIs) for those tasks. The method may include mapping data from electronic medical records (EMR), such as KPIs of various tasks, onto a graphical depiction of a workflow for a particular order type, a particular patient, and/or over a particular period of time. The status of the tasks (e.g., completed, in progress, or queued) may also be visually depicted through color-coding within the interactive digital workflow graphics. The methods here described allow tracking of tasks in a workflow in a way that provides context to the data or KPIs. This not only increases efficiency and assists in streamlining the workflow, but also reduces confusion and documentation errors among different departments and healthcare workers, thereby increasing patient safety. | 2021-07-01 |
20210201241 | METHODOLOGY AND SYSTEM FOR OPTIMIZING COMMUNICATIONS IN DYNAMIC LIGHTWEIGHT PERSONALIZED ANALYTICS - An embodiment of the present invention is directed to a feedback-based system and methodology for dynamically selecting communication messages, social media data, support data, etc. (denoted data) in evaluating dynamic lightweight personalized analytics (DLPA). Disclosed embodiments include a process for optimizing the key performance indicators (KPIs) used in measuring success by dynamically selecting the type, size, etc. of data leveraged by DLPA. This facilitates a small memory footprint and optimal computation when making smart, customized suggestions to users. | 2021-07-01 |
20210201242 | BEHAVIOR IMPROVEMENT SYSTEM AND BEHAVIOR IMPROVEMENT METHOD - A behavior improvement system ( | 2021-07-01 |
20210201243 | SYSTEMS AND METHODS FOR DETECTING EVENTS BASED ON UPDATES TO NODE PROFILES FROM ELECTRONIC ACTIVITIES - The present disclosure relates to methods, systems, and storage media for detecting events based on updates to node profiles from electronic activities. Exemplary implementations may access an electronic activity transmitted or received via an electronic account associated with a data source provider; generate a plurality of activity field-value pairs; maintain a plurality of node profiles; identify a first state of a first node profile of the plurality of node profiles; update the first node profile using the electronic activity; identify a second state of the first node profile subsequent to updating the first node profile using the electronic activity; detect a state change of the first node profile based on the first state and the second state; determine that the state change satisfies an event condition; and store an association between the first node profile and an event type corresponding to the event condition. | 2021-07-01 |
20210201244 | DYNAMIC ANALYTICS AND FORECASTING FOR MESSAGING STAFF - Systems and methods are provided for dynamic generation of staff analytics and forecasts based on skill and service level. Dynamic forecasting allows for forecast generation in real-time and may be based on historical data regarding skills and results, as well as data science to identify patterns and make predictions. The resulting staffing forecast may therefore provide for efficient management of messaging staff costs while preserving the desired service quality. The staffing forecast may include a volume forecast that is tailored to the unique nature of asynchronous messaging, as well as the unique messaging needs of the entity so as to efficiently manage messaging operations and make data-driven staffing decisions that take service level into account. An exemplary embodiment may include dynamic analytics tools that may use specified target and/or resource numbers (e.g., desired service level) for an existing messaging operation and get a detailed per-skill staffing forecast. | 2021-07-01 |
20210201245 | SYSTEMS AND METHODS FOR PREDICTING AND HANDLING SLACK PERIODS - A system for predicting slack periods is provided. The system predicts and detects time intervals for an entity (e.g., a contact center) where the amount of available work (e.g., call volume) is less than what can be handled by the number of employees (e.g., agents) that are scheduled to work during the time intervals. These detected intervals are referred to herein as “slack periods”. When slack periods are predicted or detected, the system encourages the employees to perform QM tasks during the slack periods and can even automatically schedule the QM tasks for the employees. To further encourage the completion of QM tasks during slack periods, the system can provide incentives for the employees to complete the QM tasks. | 2021-07-01 |
20210201246 | SYSTEMS AND METHODS FOR PREDICTING AND HANDLING SLACK PERIODS - A system for predicting slack periods is provided. The system predicts and detects time intervals for an entity (e.g., a contact center) where the amount of available work (e.g., call volume) is less than what can be handled by the number of employees (e.g., agents) that are scheduled to work during the time intervals. These detected intervals are referred to herein as “slack periods”. When slack periods are predicted or detected, the system encourages the employees to perform QM tasks during the slack periods and can even automatically schedule the QM tasks for the employees. To further encourage the completion of QM tasks during slack periods, the system can provide incentives for the employees to complete the QM tasks. | 2021-07-01 |
20210201247 | SYSTEM AND METHOD TO ASSIGN ACTION ITEMS USING ARTIFICIAL INTELLIGENCE - A system and method for dynamically assigning action items using Artificial Intelligence based on criterion. The criterion including resource availability, resource location, and/or resource skill(s). The system and method comprising: monitoring communications over one or more communication channels; analyzing the monitored communications to generate one or more user stories; processing the one or more generated user stories to identify one or more action items; scoring one or more resources based on assignment factors to determine a resource with a highest score; and assigning the one or more action items to the resource with the highest score. The system and method further comprising: tracking action items and automatically updating action item status. The system and method also include automatically re-assigning action items as needed. | 2021-07-01 |
20210201248 | TRANSPORTATION OPERATION CONTROL DEVICE, TRANSPORTATION OPERATION CONTROL METHOD, AND RECORDING MEDIUM IN WHICH TRANSPORTATION OPERATION CONTROL PROGRAM IS STORED - This transportation operation control device includes: a transportation cost acquisition unit that acquires a transportation cost obtained from a transportation operation for transporting an article to a transportation destination site from a transportation source site among a plurality of sites, the transportation cost being acquired in association with the combination between the transportation source site and the transportation destination site; a correction unit that calculates a corrected cost obtained by correcting the transportation cost on the basis of information indicating the reliability related to the transportation cost; a presence status acquisition unit that acquires presence status information indicating a presence status of the article between the transportation source site and the transportation destination site; and a calculation unit that calculates the importance degree of the transportation operation relative to the combination on the basis of the presence status information and the corrected cost. | 2021-07-01 |
20210201249 | SYSTEM AND METHOD FOR DELIVERING ITEMS USING AUTONOMOUS VEHICLES AND RECEPTACLE TARGETS - An autonomous vehicle for delivery of items can detect its location and the location of targets on item receptacles in order to position the vehicle at a receptacle. The vehicle, in an autonomous mode, can automatically travel between delivery points along a delivery route. A presence sensor on the vehicle can detect ingress and egress from the vehicle to determine when the vehicle is ready to travel to the next delivery point. | 2021-07-01 |
20210201250 | ADDRESS EXCHANGE SYSTEMS AND METHODS - A product exchange system includes a controller and a memory coupled to the controller. The controller is configured to provide an interface configured to receive a request from a first user for purchase of an item; assign a unique transaction code to a transaction associated with the request, wherein a plurality of parties scans the unique transaction code during a process of the transaction; receive a notification in response to the scanning of the unique transaction code by one of a plurality of parties; and trigger an action, upon receipt of the notification, in connection with the one of the plurality of parties. | 2021-07-01 |
20210201251 | INFORMATION OUTPUT METHOD AND APPARATUS - Disclosed are an information output method and apparatus. One specific implementation of the method comprises: acquiring order data to be sorted; determining whether items to be sorted matching the order data to be sorted are stored in a shelf set; in response to having determined that items to be sorted matching the order data to be sorted are stored in the shelf set, determining, from the shelf set, a shelf storing an item to be sorted, and adding same to a candidate shelf set; choosing a candidate shelf from the candidate shelf set and adding same to a target shelf set, where the target shelf set stores the items to be sorted matching the order data; and outputting an identifier of a target shelf in the target shelf set. | 2021-07-01 |
20210201252 | SERVER APPARATUS, CONTROL APPARATUS, STORAGE MEDIUM, MOBILE SHOP, AND OPERATING METHOD FOR INFORMATION PROCESSING SYSTEM - A server apparatus includes a communication interface and a controller configured to send and receive information via the communication interface. The controller, while a mobile shop which is configured to be loaded with items according to vacant spaces is loaded with one or more first items and performs patrol selling, sends a discount instruction, to the mobile shop, to discount the one or more first items upon receipt of a request, from a terminal apparatus, for patrol selling of a second item not loaded in the mobile shop. | 2021-07-01 |
20210201253 | SYSTEMS AND METHODS FOR DEEP LEARNING-BASED SHOPPER TRACKING - Systems and techniques are provided for tracking puts and takes of inventory items by subjects in an area of real space. A plurality of cameras with overlapping fields of view produce respective sequences of images of corresponding fields of view in the real space. In one embodiment, the system includes first image processors, including subject image recognition engines, receiving corresponding sequences of images from the plurality of cameras. The first image processors process images to identify subjects represented in the images in the corresponding sequences of images. The system includes second image processors, including background image recognition engines, receiving corresponding sequences of images from the plurality of cameras. The second image processors mask the identified subjects to generate masked images. Following this, the second image processors process the masked images to identify and classify background changes represented in the images in the corresponding sequences of images. | 2021-07-01 |
20210201254 | Display Management Systems - Sensor-equipped display management systems and methods that may be used to calculate a number of products removed from a display management system based upon motion of one or more mechanisms within the display management system. Additionally, the systems and methods may be used to detect patterns from the sensor data, which may be indicative of attempted theft of products stored within the display management system. Audible and visual alerts can be provided when an attempted theft has been detected. | 2021-07-01 |
20210201255 | SYSTEM AND METHOD FOR PERPETUAL INVENTORY MANAGEMENT - An analysis of the scans is performed to determine whether the selected item was moved from the back room to the shelf, then returned from the shelf to the back room. The analysis also determines a re-bin time when the selected product was returned to the back room. An adjustment to the PI is blocked when last PI adjustment time is later than the re-bin time. An adjustment to the PI is also blocked when an audit indicator is received at the interface indicating that the retail store is under an audit. An adjusted PI value is determined when the analysis indicates that the selected item was moved from the back room to the shelf, then returned from the shelf, the adjusted PI value being at least one more than the shelf capacity value. | 2021-07-01 |
20210201256 | SECURE SMART CONTAINER ASSEMBLY, SYSTEMS, AND METHODS - A bin assembly, bin identification system and method are disclosed. A container bin assembly includes a bin body, a latching mechanism, and controller. A method includes receiving, via a communication interface, an authenticated request to access the smart container, actuating an electromechanical latch to disengage a fastening hook, thereby initiating a mechanical movement of an access component to make an internal compartment accessible, outputting, via an audiovisual element, an alert to identify the container, confirming that the electromechanical latch has re-engaged with the fastening hook, thereby securing the internal compartment, determining a change in a local inventory, and updating the local inventory in a non-volatile data store according to the change. | 2021-07-01 |
20210201257 | PROVENANCE AND ILLICIT PRODUCT CONTROL SYSTEM - A method for provenance and illicit product control involves generating a unique identifier for a product unit, generating a unique identifier for a subunit of the product unit, and recording locations of the product unit and the subunit of the product unit to a blockchain in association with the unique identifiers. The blockchain includes linked data blocks containing sequential records of locations and quantities of product units and subunits of the product units moved through a product distribution supply chain. The method further involves tracking movement of the product unit and the subunit of the product unit through the product distribution supply chain, detecting an inconsistency between a record on the blockchain and movement of the product unit or the subunit of the product unit through the product distribution supply chain and outputting an indication of the inconsistency. | 2021-07-01 |
20210201258 | SYSTEM AND METHOD FOR DELIVERY CONFIRMATION USING A LOCAL DEVICE FOR OPTICAL SCANS - Computer program products, methods, systems, apparatus, and computing entities are provided. In one aspect, a connection between an electronic door hanger and a customer computing entity can be established at a customer's location. With a connection established, information about an attempted (e.g., successful/unsuccessful) pick-up or delivery can be automatically provided to the customer computing entity. | 2021-07-01 |
20210201259 | INTELLIGENCE PLATFORM FOR SCHEDULING PRODUCT PREPARATION AND DELIVERY - A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery. In addition, the device may identify at least one potential courier capable of transporting the product. Based on the fulfillment time, the delivery time, the geographic location for delivery, and at least one courier characteristic associated with the potential courier, the device may select a particular product location and a particular courier and perform an action based on the particular product location or the particular courier. | 2021-07-01 |
20210201260 | System and Method for Transportation Management - A vehicle load management system is disclosed. The vehicle load management system has a vehicle load management module, comprising computer-executable code stored in non-volatile memory, a processor, and a user device configured to communicate with the vehicle load management module and the processor. The vehicle load management module, the processor, and the user device are configured to receive a vehicle load management request data for a product, identify one or more shipping container parameters of a shipping container based on the vehicle load management request data, select a transportation mode data identifying a transport vehicle based on the one or more shipping container parameters, and determine a securement configuration for the product in the shipping container based on the one or more shipping container parameters and the transportation mode data. | 2021-07-01 |
20210201261 | AUTONOMOUS DELIVERY IDENTIFICATION, AUTHENTICATION, AND AUTHORIZATION - The present disclosure provides a method comprising using at least one first sensing device to identify an item disposed in a vehicle for delivery by the vehicle from an origin to a destination; performing at the destination an authentication process to authenticate a user who purports to be a recipient of the item, wherein the authentication process may be performed without human intervention; determining whether the authenticated user is an authorized recipient of the item, wherein the determining may be performed without human intervention; and automatically permitting the authorized recipient to retrieve the item from the vehicle. | 2021-07-01 |
20210201262 | FREIGHT LOAD MATCHING SYSTEM - A load matching system matches freight loads to trucking carriers based on multiple factors including carrier geo-location, load origin, load destination, carrier equipment type, information about the user, pick-up-time, drop-off-time, price elasticity, and transactional history. The system uses machine learning algorithms to provide the carrier with synthesized load information, based on past experience, current conditions and user interaction with previous load postings. | 2021-07-01 |
20210201263 | DIGITALLY MANAGED SHELF SPACE MARKETPLACE - A system and method for sensor-enabled automated inventory stocking management that can include: operating a computer vision monitoring system comprising collecting image data, and identifying, by processing the image data, products and shelf space locations of the products; maintaining a shelving property map based on the products and shelf space locations identified through the computer vision monitoring system; in association with at least one request, allocating a shelf space usage option within a shelf space management database system, wherein each shelf space usage option specifies fulfillment parameters including at least one product identity and a set of shelf space placement parameters; confirming, based on processing of updated image data from the computer vision monitoring system, fulfillment of conditions defined through the fulfillment parameters of the a shelf space usage option and, in response, performing reactionary actions in the computing system. | 2021-07-01 |
20210201264 | AUTONOMOUS VEHICLE DELIVERY MONITORING - Systems and methods are provided for monitoring deliveries in an autonomous vehicle. In particular, systems and methods are provided for monitoring the conditions of the interior of a delivery container inside an autonomous vehicle. In various implementations, the delivery container includes one or more compartments, and the conditions of each of the one or more compartments is monitored. | 2021-07-01 |
20210201265 | INTELLIGENT ROUTE SELECTION FOR AUTONOMOUS VEHICLE DELIVERY SYSTEM - The present disclosure provides a method comprising identifying at least one of a characteristic and an identity of an item for delivery from an origin to a destination; identifying a plurality of possible routes between the origin and the destination using mapping information, the mapping information including for each of the plurality of possible routes, a characterization of each of a plurality of route segments comprising the possible route; evaluating the plurality of possible routes in view of the identified at least one of the item characteristic and the item identity to select one of the plurality of possible routes; and providing the selected one of the plurality of possible routes to a vehicle, wherein the vehicle delivers the item from the origin to the destination via the identified route. | 2021-07-01 |
20210201266 | SYSTEMS AND METHODS FOR PROCESSING CLAIMS - Methods, systems and apparatuses, including computer programs encoded on computer storage media, are provided for processing claims using both unstructured and structured policy documents and claim data. Policy rules, benefit calculation formulae, necessary data points, and benefit requirements are extracted from policy documents. Unstructured claim data is converted to a structured form using natural language processing, information extraction, and AI techniques to identify and extract relevant information, including values for the data points and benefit conditions, then the combined structured data and converted unstructured data is processed to get all values for the data points and applicable benefit conditions. The relevant claim information is then further processed according to the policy rules and benefit calculation formulae to generate a benefit payment amount and entitled additional benefits. | 2021-07-01 |
20210201267 | Method of Optimizing Employee Communication to Improve Workplace Engagement and Retention - A system and method of optimizing employee communication to improve workplace engagement and retention is a data collection, storage, and processing software program that can improve employee retention and job performance by employing each employee with an accessible, personalized chatbot assistant. The chatbot assistant directly interacts with an employee to determine optimal solutions based on the employee's implicit or explicit needs and aspirations. The chatbot assistant further makes suggestions based on interactions with the employee and automatically implements any solutions chosen by the employee. Conversational data is collected and used to calculate optimal interactions with each employee. Such data is also valuable in calculating and responding to employee sentiment, thereby improving retention by responding to those calculated emotional scores. The system further enables an employer to engage with employees directly in anonymous conversation, thus facilitating transfer of essential workplace experience information that is otherwise difficult to obtain. | 2021-07-01 |
20210201268 | MULTI-FACTOR AUTHENTICATION FOR REMOTE ACCESS OF PATIENT DATA - The present disclosure is directed to authenticating a mobile device and a user of the mobile device to receive patient data from a clinical information system of a medical facility. In some implementations, methods include receiving a logon request, the logon request comprising credentials and at least one technical factor, accessing a validation database based on the at least one technical factor, determining that the mobile device is an authorized mobile device based on information provided by the validation database and the at least one technical factor, validating the credentials to ensure that the user is authorized to access patient data provided by the clinical information system, and then, upon determining that the user is authorized to access patient data: establishing a session to communicate patient data between the mobile device and the clinical information system, the data managements system processing the patient data communicated during the session. | 2021-07-01 |
20210201269 | Methods and System for Employee Monitoring and Business Rule and Quorum Compliance Monitoring - Methods and system for employee monitoring and business rule and quorum compliance monitoring are disclosed. A proposed system includes one or more tracking systems for tracking movement of individuals in an enterprise, databases of business rules and operations schedules, and a business rules validation system for determining whether compliance with the business rules based on the operations schedule and the movement of the individuals in the enterprise has been achieved. | 2021-07-01 |
20210201270 | MACHINE LEARNING-BASED CHANGE CONTROL SYSTEMS - Various embodiments of the present technology generally relate to systems, tools, and processes for change control systems. More specifically, some embodiments relate to machine learning-based systems, methods, and computer-readable storage media for job approvals, logging, and validation of critical functions and tasks based on compliance requirements, threat models, intended outcomes, rules, regulations, and similar restrictions or combinations thereof. Job approvals, rejections, and deferrals may be combined with machine learning techniques to conduct behavioral analysis in some implementations. The system disclosed herein provides for an improvement over existing change control methods requiring manual and time-consuming analysis. The system utilizes a combination of security, compliance, and auditing requirements along with machine-learning based behavior analysis of development, security, and operations functions and actions to determine risk, rejection, approval, or deferral of submissions in an automated manner. | 2021-07-01 |
20210201271 | COMPUTER-BASED SYSTEMS CONFIGURED FOR AUTOMATED ELECTRONIC CALENDAR MANAGEMENT AND WORK TASK SCHEDULING AND METHODS OF USE THEREOF - In order to facilitate automated electronic calendar task management with automatic task scheduling, systems and methods are described including receiving and electronic meeting request to schedule a meeting. Work task data items identifying work tasks associated with the attendees are determined. A task estimation machine learning model predicts work parameters of meeting task objects based on the work task data items, and a work history data identifying work history of each attendee. A meeting scheduling machine learning model predicts parameters of unavailability period objects representing unavailability periods required to complete the work tasks based on the meeting task object, schedule information and location information. An indication of the at least one unavailability period is displayed on a screen of a computing device associated with each attendee. Selections of the unavailability period is received from the attendees, and the unavailability period is dynamically secured prior to the meeting. | 2021-07-01 |
20210201272 | FAULT REPORT AND REPAIR INTELLIGENT CONTROL SYSTEM - The present application discloses a fault report and repair intelligent control system; information regularization module, configured to formulate a time level of the target faulty equipment based on the total operating hours, the operating hours of the current date, and the fault duration; fault regularization module, configured to formulate a fault level of the target faulty equipment based on the fault type; damage regularization module, configured to determine the damage level of the target faulty equipment based on the total number of faults of the target faulty equipment and the time interval from the last fault; intelligent control module, configured to formulate a fault repair strategy for the target faulty equipment. The present application analyzes and classifies the fault conditions of the faulty equipment, by collecting actual fault information, such as the number of faults of the faulty equipment, the fault time, and the fault type, and selects different repair methods according to the analysis result. On the one hand, it improves the overall and effective monitoring of the fault condition of the faulty equipment in the working process, on the other hand, it improves the repairing effect on the faulty equipment, and is beneficial to ensure the maintenance efficiency of the faulty equipment. | 2021-07-01 |
20210201273 | DUCTWORK AND FIRE SUPPRESSION SYSTEM VISUALIZATION - A system is provided that includes a memory system storing a plurality of executable instructions. The system also includes a processing system operably coupled to the memory system. The executable instructions when executed by the processing system cause the system to access a plurality of building structural data, ductwork layout data, and fire suppression system layout data associated with a building. A location of a user device within the building is identified. An overlay image is created that includes a three-dimensional depiction of a portion of a ductwork layout and a fire suppression system layout based on an overlay of the ductwork layout data and the fire suppression system layout data with respect to the building structural data and the location of the user device. The overlay image is output to a display component. | 2021-07-01 |
20210201274 | VEHICLE REPAIR MATERIAL PREDICTION AND VERIFICATION SYSTEM - A method includes determining, based on current repair data and at least one of historical repair data or existing repair specifications, a predicted material to be used during a vehicle repair, the vehicle repair including replacing or repairing a part of a vehicle. The material includes at least one of an adhesive, an abrasive, a tape, a paint, a coating, or a tool. The method also includes outputting data indicating the predicted material in a predicted material repair plan. | 2021-07-01 |
20210201275 | SYSTEM AND METHOD FOR SMART DEVICE COMMUNICATION AND TRANSACTION PROCESSING - Aspects of the present disclosure involve systems, methods, devices, and the like for transaction processing using a smart device. In one embodiment, a system and method are introduced which enable the use of a third-party provider in conjunction with the smart device. The third-party provider can enable transaction processing and offloading, eliminating the need for processing via an application server. In another embodiment, a dynamic machine-readable code is further introduced for providing the communication between the third-party provider and the smart device. | 2021-07-01 |
20210201276 | APPARATUS AND METHOD FOR WEB-ENABLED TRANSACTION COMPLETION - A method for handing off a transaction for completion is provided, the method including: via a point-of-sale terminal, receiving a transaction token that corresponds to the transaction, the transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and presenting the transaction token for acceptance by a guest device; and receiving a notification that the transaction is complete, the notification having been transmitted over the internet cloud through the gateway device; where, upon acceptance of the transaction token by the guest device, the guest device launches a web browser that is employed to receive details of the transaction for display on the guest device and to enable entry and transmission of transaction completion details by a guest on the guest device, and to receive notice that the transaction is complete. | 2021-07-01 |
20210201277 | APPARATUS AND METHOD FOR TRANSACTION HANDOFF AND COMPLETION - A system for handoff of a transaction for completion is provided, the system having a point-of-sale terminal and a server. The point-of-sale terminal is configured to employ a token with the server to perform the handoff of the transaction for completion on a guest device, where communications between the point-of-sale terminal and the server are transmitted and received through a gateway device that is collocated with the point-of-sale terminal. The server is configured to transmit details of the transaction for display on the guest device, and is configured to receive transaction completion data provided by the guest device, and is configured to notify the guest device and the point-of-sale terminal that the transaction is complete, where the server is not collocated with the point-of-sale terminal. | 2021-07-01 |
20210201278 | SYSTEMS AND METHODS FOR CREATING DYNAMIC SESSIONS FOR MOBILE APPLICATION INTEGRATION - Systems and methods for mobile application integration are described. These may include receiving a payment request a mobile application, sending a payment application detection request, receiving a detection response, and sending a customized user interface to the mobile device. The customized user interfaces are determined by whether an associated payment application is present on the mobile device and whether the mobile device is authenticated with the payment processing platform. These techniques can allow for a better user experience when interacting with the payment processing platform. | 2021-07-01 |
20210201279 | LEGAL NAME UPDATING ACROSS ACCOUNTS - Various embodiments are directed to updating user accounts with a correct legal name. For example, it may be determined whether two or more user accounts associated a single sign-on identifier (SSOID) exist. If the accounts exist, the customer names associated with the accounts may be identified. Based on the parsing of the names, it may be determined whether there is a name mismatch and/or a typographical error in any of the identified names. Based on the determination, the names may be presented to the user such that the user can select a correct name. User accounts with incorrect names may be updated with the correct name provided by the user. | 2021-07-01 |
20210201280 | WATCH SKINS SELECTION APPLICATION WITH BLOCKCHAIN TOKEN - Electronic watch faces can be created in customized and associated with a block chain system. More particularly, the block chain's system uses non-fungible tokens which are in general unique, to represent the ownership of a specific watch face. Users own the token and can display the watch face only while they own the token. After selling the watch face, the token is changed to represent the new owner of the token and the original owner can no longer display the watch face at that point. | 2021-07-01 |
20210201281 | SYSTEM AND METHOD FOR CHARGING MEANS OF TRANSPORT | 2021-07-01 |
20210201282 | COMMUNITY DEFINED SPACES - Various systems, methods, and media for providing control and usage over public spaces are provided. Digital currency is issued to each of a plurality of users. Public activities that may be carried out by the users at the public spaces are identified. A request from a user to carry out a public activity is received. A value is assigned to the public activity, based at least on the public activity. A transaction with the user is processed, with the transaction authorizing the user to carry out the public activity. An amount of the digital currency of the user is acquired in response to the transaction being completed, with the amount corresponding to the value of the public activity. Rights are assigned to the user to carry out the public activity in response to the transaction being completed. | 2021-07-01 |
20210201283 | SYSTEM FOR RESOLVING POOR PATRON EXPERIENCE - A method for handoff of a transaction for completion includes: via a terminal, reading a payment instrument and transmitting the payment instrument via the internet cloud to a server, where communications between the terminal and the server are transmitted and received through a gateway that is collocated with the terminal; via the server, using the payment token to access a device identifier and transmitting a push notification to a device, where acceptance of the push notification directs an application on the device to receive communications from the server that displays of details for the transaction, whereby a guest may enter a tip amount and feedback score that are transmitted to the server; and via the server, accepting the transaction completion data, notifying the guest device and the terminal that the transaction is complete, and transmitting a notification to a management terminal that is indicative of guest dissatisfaction corresponding to the transaction, where the guest dissatisfaction is determined based on the tip amount and feedback score. | 2021-07-01 |
20210201284 | SALE SYSTEM AND CONTROLLING METHOD THEREOF - A sale system and a controlling method thereof are provided. The sale system includes a data acquisition unit, a door, a door control unit, a first image capturing unit, a determining unit and a payment unit. The data acquisition unit is configured to obtain a consumer payment information and withdrawal rights. The door control unit is configured to unlock the door when the consumer payment information and withdrawal rights is obtained. The first image capturing unit is configured to capture an image of a product. When the door is closed, the determining unit determines whether the product has been taken according to the image or a sensing information. When the product has been taken, the payment unit charges a payment based on the consumer payment information and withdrawal rights. | 2021-07-01 |
20210201285 | APPARATUS AND METHOD FOR IMPROVED PAYMENT EXPERIENCE - A method for handoff of a transaction for completion includes: registering a payment instrument with a server and storing a payment token that represents the payment instrument; storing a device identifier that corresponds to the payment token in the database record; via a point-of-sale terminal, reading the payment instrument, and transmitting it to the server; via the server, using the payment token to access the device identifier and transmitting a push notification to a device corresponding to the device identifier; upon acceptance of the push notification, executing an application on the device and simultaneously displaying details for the transaction on both the device and the point-of-sale terminal; receiving transaction completion data that is entered via the device and transmitting the transaction completion data to the server; and completing the transaction at the server and notifying the point-of-sale terminal and the device that the transaction is complete. | 2021-07-01 |
20210201286 | VIRTUAL GUEST FACING DISPLAY - A virtual guest facing display system has as a terminal and a server. The terminal receives a transaction token that corresponds to the transaction and presents the transaction token for acceptance by a guest device, where acceptance of the transaction token launches a proprietary application on the guest device, and where the proprietary application transmits acceptance of the transaction token to the server. The server is configured to transmit communications to the guest device that provide for display of details for the transaction on the guest device that are also displayed on the point-of-sale terminal, whereby a guest may enter transaction details that are transmitted from the guest device to the server, where the server is further configured to accept the transaction completion data and notify the guest device and the point-of-sale terminal that the transaction is complete. | 2021-07-01 |
20210201287 | WALLET SERVER, COMPUTER READABLE RECORDING MEDIUM, AND WALLET SYSTEM - A wallet server includes: a processor including hardware, the processor being configured to: display, on a display, a payment icon receiving a request for payment using any of a plurality of different payment methods, and additional information determined based on a result of comparison between a balance of each payment method and a predetermined amount. | 2021-07-01 |
20210201288 | USER INTERFACES FOR STORED-VALUE ACCOUNTS - In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met. | 2021-07-01 |
20210201289 | POINT OF SALE DEVICE WITH CRADLE FOR MOBILE COMPUTING DEVICE - A point of sale (POS) device includes a nest portion and a cradle portion. The nest portion includes one or more payment card or near field communication (NFC) readers. The cradle portion couples to differently-sized interchangeable frames, which in turn help secure a mobile computing device to the cradle portion of the POS device. The mobile computing device is connected via a connector to the rest of the POS device. Payment card information read by the readers is conveyed to the mobile computing device over the connector for processing. The POS device may also include tamper detection circuitry. | 2021-07-01 |
20210201290 | GEOGRAPHIC LOCATION CONSENSUS DETERMINATION - Techniques are disclosed relating to determining whether geographic locations of a user computing device satisfy a location consensus threshold. A computer system receives results of a plurality of location determination operations, each of which specifies a geographic location of a computing device initiating an action. The computer system then makes a determination whether the received results satisfy a consensus threshold as to geographic location of the computing device. In some embodiments, the determination is usable to select, from a plurality of sets of rules for different geographic regions, a particular set of rules for processing the action. In some cases, the particular set of rules is usable to determine whether to process the action. Such techniques may advantageously allow a processing system to understand how to process actions initiated by a computing device associated with different geographic locations. | 2021-07-01 |
20210201291 | SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT - A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device. | 2021-07-01 |
20210201292 | APPARATUS AND METHOD FOR TRANSACTION COMPLETION - A system for handing off a transaction for completion, the system having a terminal and a proprietary application program disposed within a memory of a guest device. The terminal receives a transaction token that corresponds to the transaction, the transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and presents the transaction token for acceptance by the guest device, and receives a notification that the transaction is complete, the notification having been transmitted over the internet cloud through the gateway device. The proprietary application program is launched upon acceptance of the transaction token by the guest device, and is configured to receive details of the transaction for display on the guest device, and is configured to enable entry and transmission of transaction completion details by a guest on the guest device, and is configured to receive notice that the transaction is complete. | 2021-07-01 |
20210201293 | Wearable transaction device - A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode. | 2021-07-01 |
20210201294 | BANK CARD PRIVACY INFORMATION HIDING METHOD, BANK CARD AND COMPUTER READABLE STORAGE MEDIUM - The application provides a bank card privacy information hiding method, a bank card and a computer readable storage medium, acquiring verification information of the bank card; if the verification information passes a verification, displaying privacy information of the bank card on a display screen of the bank card. According to the scheme, the privacy information of the bank card is displayed to a user based on verification, so that the privacy information of any user involved in the bank card can be protected, such as the card number, the validity period, the security code and the like on the card surface are displayed on the card surface after verification is passed, thereby ensuring the use safety of the bank card and avoiding user loss. | 2021-07-01 |
20210201295 | TECHNOLOGIES FOR GENERATING AND DISPLAYING VIRTUAL AND INTERACTIVE EGIFTS - Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay. | 2021-07-01 |
20210201296 | TAPPING A CONTACTLESS CARD TO A COMPUTING DEVICE TO PROVISION A VIRTUAL NUMBER - Systems, methods, articles of manufacture, and computer-readable media for tapping a contactless card to a computing device to provision a virtual number. At least one parameter for authorizing a virtual account number for a subaccount associated with a primary account may be received. An application executing on a processor circuit may receive authentication credentials for the primary account. A card reader may receive encrypted data from a communications interface of a contactless card. The application may transmit the encrypted data to an authentication server. The application may receive verification of the encrypted data from the authentication server. The application may provide the at least one parameter for authorizing the virtual account number and receive a virtual account number for the subaccount generated by a virtual card number server, the virtual account number restricted to a spending limit based on the amount parameter associated with the virtual account number. | 2021-07-01 |
20210201297 | LOW COST METHOD AND SYSTEM TO ENABLE AN UNATTENDED DEVICE TO ACCEPT CARD PRESENT TRANSACTIONS - Enabling an unattended device to accept card present transactions comprises establishing short-range range wireless communication between the unattended device and an application on a mobile device of a cardholder. The unattended device includes a card reader and wireless interface. The unattended device receives a transaction amount for a transaction between the cardholder and the unattended device. The card reader on the unattended device reads account information from a payment card of the cardholder presented to the card reader. The unattended device encrypts the account information and the transaction amount to generate encrypted transaction data. The unattended device transmits the encrypted transaction data to the application on the mobile device using the short-range wireless communication for forwarding to a payment processing network using a network link of the mobile device. The unattended device receives an authorization response forwarded to the unattended device by the application from the payment processing network. | 2021-07-01 |
20210201298 | INTEGRATION OF TRANSACTION PROCESSOR SYSTEM IDENTIFIERS WITH DIGITAL ACCOUNT PROVIDERS - There are provided systems and methods for integration of transaction processor system identifiers with digital account providers. A user may utilize a transaction processor to process a transaction with a merchant. When processing the transaction, the user may navigate to a checkout page, where the transaction processor may utilize a shared identifier and API integrations to retrieve information from other wallet providers associated with the user's digital wallet balances with those other wallet providers. The user may request use of those funds during the checkout page, which may cause a payout request for those funds to be issued by the transaction processor to one or more of the wallet providers to provide the funds to the transaction processor. The transaction processor may also use an account of the other wallet provider(s) to provide the funds immediately to the user, which may then use those funds on the checkout page. | 2021-07-01 |
20210201299 | Method for Performing Transactions With Exchangeable Cryptocurrency and Legal Tender Currency - A system and method for performing transactions with exchangeable cryptocurrency and legal tender, and more particularly relates to system and method that utilizes a complementary legal tender currency subsystem for operating a banking module, a vaulting module, a legal tender fund module that has accounting information for complementary legal tender, a cache fund module, a crypto-currency module that has accounting information for virtual monetary tokens, a crypto-shares module that has accounting information for virtual share tokens, an escrow fund module, a trust fund module, a payment processing module, banking module, and vaulting module. The modules store, exchange, and maintain accounts for cryptocurrency and legal tender through a payment processing module. The payment processing module allows a customer and manger to transact for products and services through legal tender and cryptocurrency; and then generate revenue for the merchant through affiliate profits, trading the currencies for profit, and lower transaction fees. | 2021-07-01 |
20210201300 | PROXY CHECKOUT AND PAYMENT TRANSACTION SERVICES - A method for using proxy checkout services is discussed. The method includes accessing transaction details of a potential transaction for an item or a first service at a merchant, the potential transaction initiated by a user at a user device at a first location. The method includes responsive to a determination, based on merchant characteristics or user characteristics, that use of proxy services is permitted, initiating proxy services for performing the potential transaction at different user locations. The method includes determining, based on selection criteria, a particular proxy service from the proxy services for initiating a proxy transaction based on the potential transaction using one of different user locations. The method includes causing a user interface of the user device to render a user-selectable option for performing the proxy transaction instead of the potential transaction. | 2021-07-01 |
20210201301 | MOBILE BARCODE GENERATION AND PAYMENT - An application on user's mobile device (having a display screen) generates a one-time use and time-limited barcode on the display when the user enters a PIN. The barcode can be scanned to make purchases at a point of sale (POS). | 2021-07-01 |
20210201302 | Systems and Methods for Transmitting Electronic Currency - Embodiments of the present invention provide for systems and methods for transmitting electronic currency. The systems and methods provide for one or more processors for transmitting electronic currency from a first end device associated with a first electronic payment network to a second end device associated with a second electronic payment network, wherein the second payment network is different from the first payment network. | 2021-07-01 |
20210201303 | SYSTEM AND METHOD FOR TRANSLATING A MESSAGE BETWEEN A SYSTEM AGNOSTIC FORMAT AND ONE OF A PLURALITY OF PREDETERMINED SYSTEM FORMATS - The present application provides systems and methods for translating a message between a system agnostic format and one of a plurality of predetermined system formats. The methods comprise steps of receiving a message, from a first party, in a system agnostic format that comprises transactional properties of a transaction conducted at a financial service terminal, the transactional properties of the transaction at least comprising a channel of the transaction; and translating the message into one of a plurality of predetermined system formats in response to the channel of transaction. | 2021-07-01 |
20210201304 | System and Method for Performing Transactions with an Electronic Ledger - One example aspect of the present disclosure is directed to a computing system that includes at least one processor and at least one tangible, non-transitory computer-readable medium that stores instructions that, when executed by the at least one processor, cause the at least one processor to perform operations. The operations can include receiving, at a user computing device, an input that requests conducting a financial transaction with respect to a financial institution account that is provided by a financial institution; and adjusting, at a platform server system that is controlled by an entity that is different and distinct from the financial institution, an electronic ledger to conduct the financial transaction; and transmitting, from the platform server system to the financial institution, data describing the electronic ledger. | 2021-07-01 |
20210201305 | SECURE MANAGEMENT OF CONTENT DISTRIBUTION DATA BLOCKS ON A BLOCKCHAIN - Technologies are shown for content distribution on a blockchain involving generating a content distribution data block on a content distribution data blockchain, that stores digital content, data identifying the digital content, an owner identifier, an access holder identifier, and a use conditions attribute for identifying use requirements for the digital content. A use requirement is defined in the use conditions attribute. An owner identified in the owner identifier sets the access holder identifier to an identifier for a user entity. An access request is received from the user entity and, in response, whether a current use condition of the user entity satisfies the use requirement in the use conditions attribute is verified. If it is verified that the current use condition of the user entity satisfies the use requirement in the use conditions attribute, the digital content is distributed to the first user entity. | 2021-07-01 |
20210201306 | INFORMATION PROCESSING APPARATUS AND METHOD - There is provided an information processing apparatus and method for achieving easily reducing the risk of unauthorized use. The information processing apparatus includes: a management unit configured to retrieve service use information that is used for using a service and recorded on a recording medium in association with card identification information regarding other account information different from predetermined account information, the card identification information identifying a card for using the service; and a communication unit configured to upload the service use information obtained through the retrieval. The present technology is applicable to service providing systems. | 2021-07-01 |
20210201307 | ADVANCED METHODS, SYSTEMS AND DEVICES FOR REGISTERING INFORMATION IN A DATABASE - A method and system are provided for registering, in a database, a transaction between two parties, and for allowing a third party to cause an action to be performed in relation to the transaction. The method comprise a step of creating (s | 2021-07-01 |
20210201308 | Efficient Transaction Reconciliation System - A system includes a first module that asynchronously communicates with a second module. The first module processes a set of digital transactions and transmits instructions for the second module to process the same set of digital transactions. The first module maintains a first aggregated hash value corresponding to the set of digital transactions that have been processed. The first aggregated has value is calculated using a commutative and associative hash function. The second module maintains a second aggregated hash value corresponding to a second set of digital transactions processed by the second module. The first and second aggregated hash values are compared to determine the second module processed the same digital transactions as the first module. | 2021-07-01 |
20210201309 | COMMUNICATIONS DEVICE, POINT OF SALE DEVICE, PAYMENT DEVICE AND METHODS - A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code. | 2021-07-01 |
20210201310 | SYSTEM AND METHOD FOR DECENTRALIZED TITLE RECORDATION AND AUTHENTICATION - A decentralized property system and method allow ownership rights to be transferred directly from one party to another without requiring a central authority to operate or secure the system. Digital signatures provide a method to issue and transfer titles (“bitmarks”) within the system. Using a blockchain algorithm, distributed consensus on asset ownership can be achieved. | 2021-07-01 |
20210201311 | METHOD FOR OPERATING ELECTRONIC DEVICE, APPARATUS AND STORAGE MEDIUM THEREOF - A method for operating an electronic device is provided. The method includes: receiving a first resource transfer request, the first resource transfer request being used for requesting resource transfer associated with a target certificate of debt; performing verification on the first resource transfer request according to the target certificate of debt stored in a blockchain system; and performing, based on the first resource transfer request, the resource transfer associated with the target certificate of debt, in a case that the verification succeeds. | 2021-07-01 |
20210201312 | Cardless Transaction Using Account Automatically Generated based on Previous Transaction - Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab. | 2021-07-01 |
20210201313 | METHODS AND SYSTEMS FOR VERIFICATION OF OPERATIONS OF COMPUTER TERMINALS AND PROCESSING NETWORKS - A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user. | 2021-07-01 |
20210201314 | ONLINE TRANSACTION VERIFICATION BASED ON MERCHANT-INDEPENDENT USER GEOLOCATION - In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly. | 2021-07-01 |
20210201315 | BLOCKCHAIN BASED ACCOUNT ACTIVATION - The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract. | 2021-07-01 |
20210201316 | MULTI-LAYERED CREDIT CARD WITH TRANSACTION-DEPENDENT SOURCE SELECTION - Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account. | 2021-07-01 |
20210201317 | RULE ENGINE OPTIMIZATION VIA PARALLEL EXECUTION - A first graph that includes a plurality of containers is accessed. The containers each contain one or more rules that each have corresponding computer code. The containers are configured for sequential execution by a rule engine. The computer code corresponding to the one or more rules in each of the containers is electronically scanned. Based on the electronic scan, an interdependency among the rules is determined. Based on the determined interdependency, a second graph is generated. The second graph includes all of the rules of the containers, but not the containers themselves. At least some of the rules are configured for parallel execution by the rule engine. | 2021-07-01 |
20210201318 | SYSTEM AND TECHNIQUES FOR UTILIZING A SMART CONTRACTS LIBRARY - Disclosed are techniques and an apparatus for accessing a smart contract library that may include a number of templates of different legal contracts implementable as a smart contract between respective parties. Each template may include a number of sections having different contractual terms and conditions and fillable fields for specific contract terms. Each respective section of the number of sections includes programming code operable to enforce conformance with specific section-related contractual terms and conditions of the respective section and with any specific contract terms input to a fillable field of the respective section. A first user address generated based on cryptographic keys may be associated with a contract-creating computing device in a private blockchain. The first user address may be associated with the first user in the private blockchain. A finalized smart contract may have a smart contract address generated from the first user address and a nonce value. | 2021-07-01 |
20210201319 | System for Reducing Transaction Failure - A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request. | 2021-07-01 |
20210201320 | SYSTEM AND METHOD FOR SECURE TRANSACTIONS USING IMAGES - Provided herein is a system and a method for secure transactions using images. Also provided herein is a system for authenticating a transaction which may comprise a server, the server configured to (a) receive a first transaction code from a smart device; (b) receive a second transaction code from the merchant; (c) receive a smart device identifier; (d) receive payment card information; (e) receive at least one image; (f) analyze the identifier to determine an entity associated with the smart device; (g) determine whether the entity is the user; (h) analyze the payment card information to determine whether the user is the owner of the payment card; (i) associate the transaction code to the user; (j) analyze the at least one image to determine whether the image is associated with the user, the payment card, the smart device, or any combination of the user, the payment card and the smart device; upon determining an association between the image and the user, and between the image and the smart device or the smart device and the user, send an authentication code to the smart device and to the merchant. | 2021-07-01 |
20210201321 | VIRTUAL PAYMENT PROCESSING SYSTEM - A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device. An incoming data transaction request is received and a match is attempted with one or more previously received but not yet resolved data transaction requests. It is identified whether either the incoming data transaction request or the matching data transaction request are dependent on the resolution of another data transaction request and whether that dependent data transaction request has been resolved. The data transaction requests are resolved and/or stored based on the match and resolution of dependencies. | 2021-07-01 |
20210201322 | FRAUD DETERRENCE FOR SECURE TRANSACTIONS - An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification. | 2021-07-01 |
20210201324 | ACCESSING AND UTILIZING MULTIPLE LOYALTY POINT ACCOUNTS - Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: receiving, by an application executing on a processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account, receiving, by the application, a cryptogram from a contactless card associated with an account, transmitting, by the application to a server, the cryptogram, determining, by the application based on a decryption result received from the server, that the server decrypted the cryptogram, and authorizing, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point. | 2021-07-01 |
20210201325 | SMART SPENDER CUSTOMER SERVICE SYSTEM AND METHOD - A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to receive via a networking link a transaction query from a mobile device, comprising a customer identifier; to retrieve customer account data associated with the customer, such as a bank account or a credit card account; to determine, from the customer account data, a customer financial profile, including a set of recurring customer expenses and a set of recurring customer income; to generate an advice message for transmission to the customer, where the advice message is based upon the customer financial profile, and further includes a customer query, and to send, via the networking link, the advice message to the mobile device, before completion of the transaction. As such, the advice message may further include a calculated current spending limit, a budget planner message based upon spend information, or a balance projection based upon the spend information. | 2021-07-01 |
20210201326 | USER CONTROLLED SHARING OF PERSONAL AND CONTACT INFORMATION USING A BLOCKCHAIN - Techniques are provided for propagating updates to user profile information using a blockchain and for controlling access to user profile information using a blockchain. In one embodiment, a first block is added to a blockchain. The first block includes a first transaction ID that identifies a first transaction entry in the blockchain and a first version of user profile information encrypted using the first encryption key. The first transaction ID and a first decryption key that is able to decrypt information encrypted with the first encryption key is communicated to a plurality of entity computing devices that are to use the user profile information. The user profile information is updated by adding a second block to the blockchain that refers to the first transaction ID and includes a second version of the profile information encrypted using the first encryption key. | 2021-07-01 |
20210201327 | SYSTEMS AND METHODS RELATING TO CUSTOMER EXPERIENCE AUTOMATION - A method for personalizing a delivery of services to a first customer including: providing a customer profile; updating the customer profile via performing a first process to collect interaction data, the first process including the steps of: monitoring activity on the communication device and, therefrom, detecting the first interaction with the first contact center; identifying data relating to the first interaction for collecting as the interaction data; and updating the customer profile to include the interaction data identified from the first interaction; generating an interaction predictor, the interaction predictor comprising knowledge about the first customer derived, at least in part, from the data stored within the customer profile, the knowledge comprising a behavioral factor attributable to the first customer given a first type of interaction; and augmenting the customer profile by storing therein the interaction predictor. | 2021-07-01 |
20210201328 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS IN DYNAMIC DIGITAL DOCUMENTS - A system software and method which relates to the field of computing technology or business process models or computer systems or distributed computer systems or computer networks relating to general purpose devices that can be programmed to carry out a set of data table or hash table updates, validations or modifications supporting, enabling or executing public and private services, financial transactions and commercial applications. More specifically, the present invention is directed to distributed and decentralized computing in which said distributed network is supported and encrypted by cryptographic technology, hash functions and distributed public or private keys or other related technology. System and methods for managing dynamic electronic documents on a private distributed ledger comprise establishing a dynamic electronic document comprising a first state object, wherein the state object references a prior approved first transaction; proposing a second transaction comprising as an input the first state object and as an output a transaction command to alter the state object as well as what parameters are required to validate the second transaction; validating the proposed second transaction; and updating the state object on a private distributed ledger to reference the second transaction. | 2021-07-01 |
20210201329 | ENVIRONMENTAL IMPACT CORRECTION PLATFORM - A system and method for identifying an environmental impact by a vehicle and tracking of the environmental impact is disclosed. The method includes receiving, by the vehicle and from a mobile device of a passenger, a request for transportation. The method further includes acquiring, by the vehicle, environment data of a surrounding environment and vehicle attributes. The acquired data is then transmitted to a server for processing. The server, based on the transmitted data, determines journey attributes of a journey corresponding to the request for transportation. The server further determines environmental impact of the journey based on the environment data, the vehicle attributes, and the journey attributes, and assigns an asset identifier to an asset corresponding to the environmental impact. | 2021-07-01 |
20210201330 | SYSTEM FOR DETECTING TARGET MERCHANTS AND COMPROMISED USERS CORRESPONDING TO FRAUDULENT TRANSACTIONS - A fraud detection system includes one or more processors and one or more non-transitory computer-readable mediums having processor-executable instructions stored thereon. The processor-executable instructions, when executed by the one or more processors, facilitate: obtaining a dataset of transaction data corresponding to a plurality of transactions between a plurality of users and a plurality of merchants; applying one or more filters to remove transaction data corresponding to certain transactions from the dataset; analyzing transaction data corresponding to remaining transactions of the dataset for detecting one or more potential target merchant(s) and/or for detecting one or more potentially comprised user(s); and outputting a detection result indicative of the one or more potential target merchant(s) and/or the one or more potentially comprised user(s). | 2021-07-01 |
20210201331 | IDENTIFYING CHANGES IN USER CHARACTERISTICS USING NATURAL LANGUAGE PROCESSING - Methods and systems for identifying characteristics of a user (e.g., a seller) based on Natural Language Processing (NLP). Transaction data of buyers may be collected to generate a sequence paragraph of seller name information for each buyer. NLP techniques such as word2vec may be used to vectorize the seller name information to determine relationships between sellers. Industry information may be determined using the vectors. Reliability checks may be performed to determine whether the data is robust to label the determined data. | 2021-07-01 |
20210201332 | Classic Car Restoration Services Systems and Methods - The invention relates to classic car restoration services systems and methods, and, more particularly to classic car restoration services interfacing systems and methods allowing classic car facilities and enthusiasts to document, represent to prospective buyers, acquire classic cars and to facilitate their restorations. | 2021-07-01 |
20210201333 | NETWORK PROFILE GENERATION - One or more computing devices, systems, and/or methods are provided. Activity of a plurality of devices may be analyzed to identify network traffic. A network profile associated with the plurality of devices may be generated based upon the network traffic. The network profile may be indicative of one or more sets of transmission metrics associated with a first device of the plurality of devices. The network profile may be indicative of one or more sets of reception metrics associated with the first device. Content may be generated based upon the network profile. The content may be transmitted to a device based upon the network profile. | 2021-07-01 |