30th week of 2022 patent applcation highlights part 49 |
Patent application number | Title | Published |
20220237555 | SYSTEM FOR USE WITH A DRONE DELIVERY SERVICE AND METHODS FOR USE THEREWITH - A system can be used with a drone delivery service that facilitates a service delivery via at least one drone delivery device. The system includes a code generator configured to generate beacon data that identifies a subscriber. A beacon generator is configured to generate a wireless homing beacon that indicates the beacon data, wherein the wireless homing beacon is detectable by the at least one drone delivery device to facilitate the service delivery to the subscriber by the drone delivery device at a location selected by the subscriber and a network interface is configured to communicate via a network. The system receives delivery image data captured after the service delivery by the drone delivery device. | 2022-07-28 |
20220237556 | METHODS AND SYSTEMS FOR GENERATING GEOGRAPHIC COORDINATE DATA FOR PACKAGES IN TRANSIT - A shipping status of a package, returned from a call made by a computer system to the package carrier's API, may not be precise enough to be used in an intended way. In some embodiments, systems and methods use an indication of a package's location, received from an API of a carrier, and information associated with shipping of the package to generate a more precise location that aims to more accurately represent the actual location of the package. In some embodiments, the more precise location may be a geographic coordinate generated using past shipping records and a geographic coordinate model. In some embodiments, the generated precise location may be used to: provide a visual display showing the package's location on a map, update a shipping tracking model, predict a shipping delay, update the package's estimated arrival time, and/or estimate carbon emissions associated with shipping the package. | 2022-07-28 |
20220237557 | SHIPMENT DELIVERY SYSTEM THAT OPTIMIZES ROUTES FOR PARCEL DELIVERY - A shipment delivery system that optimizes routes and makes parcel delivery quick and efficient for delivery drivers. | 2022-07-28 |
20220237558 | PACKAGE DELIVERY WITH MESSAGE MANAGEMENT - A method is provided for sending a video message alongside a package. The method includes receiving a message request associated with a package; receiving video message data and storing it to a database; generating a unique identifier based on the video message data's storage location; correlating the unique identifier with shipping data associated with the package; providing the identifier for use with the package; receiving a message retrieval request from a recipient device based on the identifier; retrieving the video message data based on the identifier; and transmitting the video message data to the recipient device. Transmitting the video message data includes transmitting a customizable landing page having the video message data. The customizable landing page is configured to permit customization of text, backgrounds, borders, or images to fit branding. Further, the customizable landing page is configured to present an image, a logo, or advertising related to a company. | 2022-07-28 |
20220237559 | GENERATION AND MANAGEMENT OF PRE-PAID RETURN SHIPMENT POSTAGE - Systems and techniques are provided that allow for pre-paid return shipping labels to be generated using an automated kiosk or comparable device. A return shipper provides an item to be sent to the initial shipper to the kiosk, which verifies that the item matches the initially-shipped item and generates a suitable return shipping label. | 2022-07-28 |
20220237560 | DELIVERY PLAN CREATING SYSTEM, DELIVERY PLAN CREATING APPARATUS, AND DELIVERY PLAN CREATING METHOD - An object of the invention is to create a delivery plan in consideration of loadability for a package when the package has a new shape or a shape of the package changes during a delivery process. A delivery plan creating system includes: a stowage rule generation unit that generates stowage rules using delivery performance data including records of a type of a delivery vehicle and a type of a package to be delivered by the delivery vehicle and stores the stowage rules in a stowage rule storage unit; a delivery plan calculation unit that estimates a scheme of the package to be loaded on the delivery vehicle and creates a delivery plan using the scheme when the package to be loaded on each delivery vehicle in the scheme matches one of the stowage rules; and a display unit that displays the delivery plan. | 2022-07-28 |
20220237561 | Systems and Methods for Predictively Managing Collections of Items - Libraries are collections of books, periodicals, and other items that can be read in situ, checked out by patrons, and shared with other libraries. Collections are more useful when the items in the collection reflect user interests. Cluster analysis of the collection can be juxtaposed with cluster analysis of items taken from, borrowed from, or requested from the collection. The juxtaposition reveals differences between the collection and the user's desired collection. The collection can also be adapted to meet expected future needs by predicting future user needs based on past user behavior. | 2022-07-28 |
20220237562 | UPSTREAM VISIBILITY IN SUPPLY-CHAIN - An example operation may include one or more of acquiring, by a retailer node, an inventory data from a supplier node over a blockchain network, receiving, by the retailer node, outstanding orders data of the supplier node, generating, by the retailer node, an order distribution policy based on the inventory data and the outstanding orders data, and executing a smart contract to order goods from the supplier node based on the ordering policy. | 2022-07-28 |
20220237563 | SYSTEM AND METHOD FOR APPRAISING DAMAGE CLAIMS - A system and method for processing an insurance claim for property damages suffered by a claimant, first requires a field investigation to collect information. This information includes a property description, maps, sketches and photographs of damage to the property and supporting documentation. In-house personnel of the insurance carrier then factorize the information to identify a probable cause and an origin of the damages. If it is determined the property damages are an unexpected loss, the resultant factors are coalesced into a cause and origin report for further use in appraising the claim. In accordance with the present invention, all actions for creating the ultimate appraisal are performed by in-house personnel. | 2022-07-28 |
20220237564 | PRODUCTS AND PROCESSES FOR PROVIDING INFORMATION SERVICES - Methods and system are provided herewith for providing information services. A data service in according with the methods and systems disclosed herein may provide content for the data service and/or may provide content to subscribers via the service and the content provider may provide a credit or other benefit to the content provider. | 2022-07-28 |
20220237565 | SYSTEMS AND METHODS FOR PROJECT ACCOUNTABILITY SERVICES - A system for project accountability services comprises a processor and a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising receiving a user validation data, validation the user based on the user validation data to generate a validated user, receiving a request for service from the validated user, and providing, in response to the request for service, a project assessment and requirement accountability service comprising a knowledge catalog, an assessment process module, an accountability process module, an attestation process module, an evidence record, a project accountability schema, and a cryptographic key manager. | 2022-07-28 |
20220237566 | METHOD AND SYSTEM FOR IDENTIFYING EMAILS AND CALENDAR EVENTS ASSOCIATED WITH PROJECTS OF AN ENTERPRISE ENTITY - According to one embodiment, a customer relationship management (CRM) system is queried to obtain a project that is associated with an entity (e.g., a user, a group of users, a client). A first list of one or more contacts (e.g., contact persons, referred to herein target contacts) associated with the project from the CRM system. For each of the contacts in the first list, a domain name is determined based on contact information of the contacts (e.g., emails, Web addresses, name of an account associated with the contacts). A first set of email addresses, referred to as target email addresses, is determined based on the domain name and contacts using a set of email identification rules. An email server is queried to retrieve a list of one or more emails and/or calendar events based on the first set of email addresses. | 2022-07-28 |
20220237567 | CHATBOT SYSTEM AND METHOD FOR APPLYING FOR OPPORTUNITIES - A chatbot system is disclosed that enables users to apply for opportunities (e.g., employment opportunities, educational opportunities, lending opportunities) via a chat interface. For example, a chatbot hosted by the chatbot system can receive a natural language request from a user and determine that the intent of the user message is to submit an application related to opportunity. In response, the chatbot may collect applicant information from various sources (e.g., user documents, social media accounts, user messages) to apply for the opportunity on behalf of the user. The disclosed chatbot system enhances user experience by enabling the application process to proceed via natural language messages and prompts, reducing the amount of applicant information that is provided directly by the user, reducing the number of mistakes in the application process, and maximizing the benefit to the user by enabling the application to multiple or different opportunities with minimal additional effort. | 2022-07-28 |
20220237568 | ONLINE EMPLOYEE SEARCH TOOL AND RECRUITMENT PLATFORM - A computerized method useful for managing an online employee search tool and recruitment platform including the step of providing a searchable online database of diverse candidates qualified for a specified set of specialized and skilled positions. A job title of candidate is associated with each candidate. A gender is associated with each of the candidates. The method includes the step of dynamically determining a gender of each candidate in the online database. The method includes the step of obtaining a set of first names and associated gender of each first name. The method includes the step of breaking apart the set of first names into twenty-six (26) files each differentiated by different first letter, and for all the candidates in the database assigning a sex to each candidate based on the first name. The method includes the step of providing an online employee search tool configured to implement sourcing services of the searchable online database. The method includes the step of receiving a search query comprising a search for the job title of each candidate, a gender of each candidate. The method includes the step of implementing a specified type of search for the job title and gender. The method includes the step of retrieving a set of search results based on their relevancy to the job title and the gender. The method includes the step of ordering the set of search results for the set of candidates with the gender based on a relevancy of each candidate's qualifications and experience to the job title. The method includes the step of displaying the ordered set of search results. | 2022-07-28 |
20220237569 | METHOD TO AUTOMATICALLY UPDATE MEETING INVITES FOR ANY CHANGES IN DISTRIBUTION LIST - A collection of individuals will often be grouped together, such as a team or department or an ad hoc grouping, such as to perform a specific task. These collections are often established as distribution lists receiving communications, such as text messages and emails addressed to the distribution list, rather than the individual members of the distribution lists. Often the communication may comprise meeting invitations, which are then provided to the members. However, if a new member is added or an existing members leaves, the calendaring systems may not consider these modifications. By automatically inviting newly added members to an event that were the subject of a communication sent before the new member was added, the new member can be notified of the event and respond accordingly. Similarly, departing members can automatically be removed or have attendance declined for any event previously accepted as a member of the distribution list. | 2022-07-28 |
20220237570 | Method and System for Determining Computer Fan Usage and Maintenance - A system, method, and computer-readable medium are disclosed for attesting determining computer system fan usage and maintenance. A determination is made as to the architectural diagram or layout of a computer system. The diagram or layout shows components and fans that support the components. The architectural diagram or layout, where each virtual section shows a fan and the components. Operational load is determined for each virtual section over a period of time. A threshold value for particular periods to time, where the threshold value either is to low load periods or as to periods to increase or decrease speed of the fan to address operational load of the components. | 2022-07-28 |
20220237571 | Board Signage Safety System and Method for Use of Same - A board signage safety system ( | 2022-07-28 |
20220237572 | SYSTEM AND METHOD FOR PROCESSING TRANSACTIONS | 2022-07-28 |
20220237573 | METHOD AND SYSTEM FOR SECURE IDENTITY TRANSMISSION WITH INTEGRATED SERVICE NETWORK AND APPLICATION ECOSYSTEM - Method of generating a secure user identity data set, using timestamps and algorithms which can be encrypted, whose structure is generated in an initial communication between the communication device of the user and a remote identity server. The identity can be transmitted indefinitely to a client device from a user device while offline. The user's secure identity exists within a universally accessible network (cross-platform, cross-chain, cross-system, cross-application, cross-device, cross-industry) which provides the user with access to services and resources from providers who have integrated with the network. The network provides an application Ecosystem permitting a family of software applications that perform tasks and offer resources (smart contracts) such as payment processing terminals, point of sale use and exchange of virtual currency, ticket scanning and authentication, and requesting and receiving bids from service providers. The network also enables applications from one platform to execute smart contracts with applications residing on other platforms. | 2022-07-28 |
20220237574 | SYSTEMS AND METHODS TO PROCESS PAYMENTS AND MONEY REMITTANCES NEARLY INSTANTANEOUSLY WITHOUT USING FINANCIAL INTERMEDIARIES OR BANK ACCOUNTS BY USING A STABLE CRYPTOCURRENCY AND UNCONVENTIONAL CRYPTOCURRENCY DISTRIBUTION METHODS - The present disclosure relates to a system and methods used to transfer economic value between payors and payees (P2P, B2B, P2B, B2E) nearly instantaneously, by using a stable denominated cryptocurrency that relies on a specific set of algorithms and business processes to overcome the lack of access to general banking services by certain populations and businesses, intermediation costs, general waiting times, and the need to maintain nostro-vostro accounts for the operator of such a service when conducting international operations. The system and methods being disclosed solve the material impossibility to have inexpensive, instantaneous, electronic transactions for people outside the traditional financial systems. | 2022-07-28 |
20220237575 | TOKEN ISSUANCE METHOD, INFORMATION PROCESSOR, AND BLOCKCHAIN SYSTEM - A token issuance method in a blockchain system includes, transaction parties associated with a transaction for transfer of a right regarding an asset, and an executing party to execute the transaction, and the nodes sharing, as a token, an execution function for a transaction regarding the asset, and information of the asset, the token issuance method including: causing an information processor to generate, information including executing party information, a transaction initiation determination function to, in response to receipt a request for execution of a transaction by the executing party from a predetermined transaction party, perform a process of determining whether to execute the transaction depending on determining whether the request for execution designates the executing party indicated by the executing party information, and a transaction execution function to execute the transaction based on the request for execution, and execute payment of a reward to a right holder. | 2022-07-28 |
20220237576 | CONTROL METHOD, NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIUM, INFORMATION PROCESSING APPARATUS, AND CONTROL SYSTEM - A control method executed by an information processing apparatus that controls a link between a first blockchain handling a first currency and a second blockchain handling a second currency, the control method includes determining, when an issuance request of the second currency is received from a user, an allowable payment amount of the second currency based on credit information of the user, transmitting, to the first blockchain, a first instruction to notify the second blockchain of the allowable payment amount, and transmitting, when a payment transaction in the second currency by the user is recorded in the second blockchain, a second instruction to collect the first currency that has a value that corresponds to the second currency from an account of the user on the first blockchain, to the first blockchain. | 2022-07-28 |
20220237577 | Fair Share Group Ordering App - The disclosure is the only food order placement application with features developed specifically to ensure each person adequately contributes to a group order. It is designed to offer users the ability to earn extra income by delivering bulk food orders to friends who share a restaurant tab. The system for product delivery includes a group contact module to take input from participants and determine group orders and individual orders of products. A payments module receives payments via a credit account of each of the participants based on input from the group contact module regarding prices of the products ordered. An order module selects a vendor and computes a total cost for each order plus taxes and pay the vendor for the order via the payments module. A delivery module takes input from the participants to select a delivery or pickup for each respective order from the group contact module. | 2022-07-28 |
20220237578 | Multi-Computer Processing System for Dynamic Event Control - Systems and arrangements for event analysis and processing control are provided. In some examples, a request for a deposit may be received by a financial institution. The deposit may include deposit data, such as an amount, a payer, a routing number associated with a financial institution of the payer, a payee name, an account of the payee, and the like. The deposit data may be analyzed to determine whether the deposit qualifies for modified processing. If so, an account associated with the payee may be evaluated to determine a current balance of the account. If the account balance meets predetermined criteria, an instruction modifying the account may be executed. The deposit may then be processed. Accounts flagged for modified processing may be evaluated to determine whether the time period for modified processing has expired. If so, instructions causing further modification of the account may be executed. | 2022-07-28 |
20220237579 | COMMODITY RECOGNITION SYSTEM, METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - A commodity recognition system, a method, and a non-transitory computer readable medium capable of reducing a possibility that a payment is carried out without recognizing mis-recognition of a commodity are provided. The commodity recognition system according to the present disclosure includes an image acquisition unit, an inference unit, and a display unit. The image acquisition unit acquires an image of an article including a payment article when a user makes a payment. The inference unit identifies the article included in the image, and infers whether the identified article is a payment article or a non-payment article by referring to identification information of an article and information indicating whether the article is the payment article or not, both of which are associated with each other and stored in advance. The display unit displays the payment article and the non-payment article for the user while distinguishing them from each other. | 2022-07-28 |
20220237580 | MULTI-DEVICE AUTHORIZATION - A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device. | 2022-07-28 |
20220237581 | SYSTEM AND METHOD FOR RETAIL MANAGEMENT OF CONTROLLED SUBSTANCES - A method and system for retail management of controlled substances is provided. Controlled substances such as alcohol or | 2022-07-28 |
20220237582 | WIRELESS DATA COMMUNICATION INTERFACE - In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault. In some embodiments, the system includes a transaction execution module for transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party. | 2022-07-28 |
20220237583 | SMART TOLL APPLICATION DETERMINING FOR VARIOUS TOLL APPLICATIONS USING V2X COMMUNICATIONS - A toll advertisement message (TAM) broadcast from a roadside unit (RSU) is received by a vehicle via V2X communication, the TAM indicating geographic locations of lanes of a roadway for which tolls are due and cost information for traversing the lanes of the roadway. A heading of the vehicle is determined in relation to a TAM reference point indicating a geographic location of a toll gantry. A toll zone boundary region for the vehicle is identified by filtering the geographic locations of the lanes in the TAM to include only those lanes in a travel direction consistent with the heading. A lane straddling algorithm is utilized to identify, for each of the lanes in the travel direction, a respective percentage within each lane that the vehicle is traveling. A tolling usage message (TUM) is sent via the V2X communication, indicating to the RSU the percentage lane usage of the vehicle. | 2022-07-28 |
20220237584 | SMARTGLASSES-TO-SMARTGLASSES PAYMENT SYSTEMS - Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account. | 2022-07-28 |
20220237585 | Personal Transaction Mobile Device Application with Validation and Tracking - A personal transaction mobile device software application (app) with payment system is disclosed. The method allows friends to form mutual agreements pertaining to financial transactions for products and services using mobile devices. Once each friend agrees to a purchase goods and services, the app divides the cost into amounts each person pays. The app also tracks payments and broadcasts transactions to other users. For example—while shopping, a roommate learns that detergent can be purchased cheaply in bulk. Rather than calling roommates to discuss options, they enter the amount into the app. The app automatically splits the price equally and sends a message to the other roommates for approval. If the roommates agree, the app is used to make the payment and they all receive messages showing who has paid their share. An object of the invention is to streamline sharing payments for goods and services with friends. | 2022-07-28 |
20220237586 | SYSTEMS AND METHODS FOR PROCESSSING PAYMENTS SECURELY - The present disclosure comprises a system that processes mobile fund transfer or payments in lesser time utilizing Short Message Service (SMS) and without involving third party fund transfer applications to be actively downloaded by the user on his or her smartphone, tablet, etc. The payor and the payee process fund transfer in lesser time and securely through mobile phone's SMS service. | 2022-07-28 |
20220237587 | TRANSACTION TERMINAL WITH CODE SCAN FOR PAYMENT - A method and apparatus for generating visually perceivable data representing a digital order of goods or services is provided. In an embodiment, visually perceivable data is generated and displayed at first device representing a digital order which is the subject of a transaction. In an embodiment, a second device receives digital data comprising a digital image and determines the digital image matches the visually perceivable data. In an embodiment, the second device receives data representing the digital order in response to determining the digital image matches the visually perceivable data. In an embodiment, the second device completes a digital transaction after receiving the digital order. | 2022-07-28 |
20220237588 | TECHNIQUES TO GENERATE AND STORE CHARACTERISTICS OF A SIGNATURE ON A TRANSACTION CARD CIRCUIT - Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card. | 2022-07-28 |
20220237589 | RELAXED FRAUD DETECTION FOR TRANSACTIONS USING VIRTUAL TRANSACTION CARDS - A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant. | 2022-07-28 |
20220237590 | SYSTEMS AND METHODS FOR PHONE-BASED CARD ACTIVATION - Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated. | 2022-07-28 |
20220237591 | PROFILE ASSOCIATION AND TRANSACTION AUTHORIZATION BASED ON TRANSACTION TYPE - A payment service system receives a transaction instrument identifier of a transaction instrument, and associates the transaction instrument with an account associated with a first user. The system identifies rules that identify whether to request authorization from a second user to process respective transactions that involve the transaction instrument and that are associated with one of a set of transaction types. The system receives a transaction indication indicating a request to use the transaction instrument for a transaction. The system determines, based on information about the transaction and the one or more rules, that the transaction is categorized into a first transaction type. The rules indicate that the authorization from the second user is to be requested for the first transaction type. The system receives an authorization to process the transaction from a user device associated with the second user, and automatically facilitates processing of the transaction. | 2022-07-28 |
20220237592 | Adaptable Authentication Processing - Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications. | 2022-07-28 |
20220237593 | SYSTEM AND METHOD FOR AUTHENTICATING ELECTRONIC MONEY - A portable apparatus includes one or more biometric sensors, one or more memories, and one or more processors operative to execute program instructions from the one or more memories. A public key infrastructure (PKI) certificate, which is stored in the one or more memories, includes a first code derived from encoding a first biometric digital signature of a person who has been registered and authorized to use the portable apparatus. The one or more processors cause the portable apparatus to acquire, by the one or more biometric sensors, biometric pattern of a person who attempts to access the portable apparatus; determine whether the biometric pattern is matched with the first biometric digital signature and the first code; and in response to determining that the biometric pattern is matched with the first biometric digital signature and the first code, transmit authentication information to a remote server over a network. | 2022-07-28 |
20220237594 | High performance distributed system of record with wallet services resiliency - A payment network comprises ledger services, and associated wallet services. To provide wallet services resiliency, multiple active wallet replicas are used to enable the system (i) to rely on collision detection and blockchain idempotency to produce a single correct outcome, and (2) to implement various collision avoidance techniques. Using a ledger services idempotency feature, multiple actors form independent valid intents and know that no more than one intent will get finalized on the ledger. In a variant embodiment, replicas implement processing delays and utilize so-called “intent” messages. By adding the delays, decision logic is biased logic towards one intent. The intent messages are used to intercede before a wallet handles a same original upstream message and forms a different intent. Seeing the replica's intent, the wallet can adopt the same intent and proceed with downstream processing. After adopting intent, preferably a wallet also informs its replicas of its intent. | 2022-07-28 |
20220237595 | CRYPTOCURRENCY KEY MANAGEMENT - A method of managing cryptocurrency keys. The method comprises: generating one or more cryptocurrency keys; encrypting the cryptocurrency keys with a password and communicating the encrypted cryptocurrency keys to remote storage. The method further comprises, subsequently, retrieving the encrypted cryptocurrency keys from the remote storage; decrypting the encrypted cryptocurrency keys with the password, and storing temporarily the decrypted cryptocurrency keys for use in one or more cryptocurrency transactions. | 2022-07-28 |
20220237596 | SYSTEMS AND METHODS FOR PROVISIONING POINT OF SALE TERMINALS - A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server. | 2022-07-28 |
20220237597 | ALTERNATIVE DIGITAL ASSET CONVERSION CHOICES - Various embodiments are directed to providing digital asset conversion choices involving different digital assets. An example method includes receiving a first digital asset conversion request associated with an end user and indicating a source digital asset and determining a source conversion rate for the source digital asset using an application programming interface (API). The method further includes identifying one or more alternative digital assets; determining an aggregated conversion rate between each alternative digital asset and the source digital asset by identifying the end user and using an API; providing an indication of the alternative digital assets and corresponding aggregated conversion rates for display via a client device; and responsive to receiving a second digital asset conversion request comprising a selection of an alternative digital asset, executing a digital asset conversion by causing debiting of units of the source digital asset and crediting of units of the selected alternative digital asset. | 2022-07-28 |
20220237598 | EFFICIENT, ACCURATE, AND SECURE DIGITAL ASSET CONVERSIONS FOR REAL-TIME FUNDING OF MERCHANT TRANSACTIONS - Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving a user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account associated with the user. The method further includes, responsive to determining that a balance of the fiat currency user account does not satisfy a fiat currency unit threshold of a merchant transaction, retrieving a second account balance data object for a digital asset account associated with the user, determining a conversion rate between a digital asset and a fiat currency, and executing a digital asset conversion by closed-loop debiting digital asset units from the digital asset account and crediting fiat currency units to the fiat currency account. | 2022-07-28 |
20220237599 | EFFICIENT, ACCURATE, AND SECURE DIGITAL ASSET CONVERSIONS FOR REAL-TIME FUNDING OF MERCHANT TRANSACTIONS - Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving an end user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account. The method further includes, responsive to a balance of the fiat currency user account not satisfying a fiat currency unit threshold of a merchant transaction: receiving a second account balance data object for a digital asset account in response to transmitting an account query, determining a conversion rate for a digital asset, and executing a digital asset conversion by causing a debit of digital asset units from the digital asset account via transmitting a conversion execution API query and by crediting fiat currency units to the fiat currency account. | 2022-07-28 |
20220237600 | BLOCKCHAIN-BASED RESOURCE TRANSFER METHOD, APPARATUS, NODE DEVICE, AND STORAGE MEDIUM - A method includes: receiving a first service request, the first service request including a first account and a first service, and the first service being corresponding to a first quantity of virtual resources; transferring the first quantity of the virtual resources from the first account to a second account of the node device in response to the virtual resources stored in the first account being not less than the first quantity, and providing the first service to the first account; broadcasting a first target block to the blockchain system, the first target block including a resource transfer record and a service provision record corresponding to the first service request; and adding the first target block to a blockchain of the node device in response to the first target block passing a consensus check. | 2022-07-28 |
20220237601 | WebAuthn+JSON DLT .about.the internet of value - A system capable of securely authenticating users of a web application (or similarly distributed application). This invention, WebAuthn+, along with a simple addition to the Web Bluetooth API will completely solve the web authentication problem. And most users will be able to keep the convenience of user names and simple passwords! Simple passwords will become highly secure. | 2022-07-28 |
20220237602 | AUTHORIZING A PURCHASE TRANSACTION USING A MOBILE DEVICE - Various embodiments are related to apparatuses and methods for authorizing a purchase transaction using a mobile device. A consumer can pay for a purchase from a seller using a payment object such as a credit card or automated teller machine (ATM) card. The credit card or ATM card can be swiped through a card reader that is part of the seller's sales system, and the sales system can transmit the purchase transaction to a financial system for approval. The consumer can use a mobile device such as a smartphone, instead of the seller's keypad or signature pad, to electronically capture a signature or personal identification number (PIN) as part of the consumer's authorization of the purchase transaction. The consumer can further use the mobile device to review line items of the purchase transaction or to add a tip amount to the total amount of the purchase transaction. | 2022-07-28 |
20220237603 | COMPUTER SYSTEM SECURITY VIA DEVICE NETWORK PARAMETERS - Device identification data, network connection data, and other related data may be analyzed to determine an account classification, particularly before the account has even been used (or before extensive use has occurred). Computer system security may be improved via an intelligent engine that detects certain device and network connection factors in association with particular user actions, such as account creation. Monitoring be performed over a period of time for subsequent analysis. | 2022-07-28 |
20220237604 | ANOMALY AND FRAUD DETECTION WITH FAKE EVENT DETECTION USING PIXEL INTENSITY TESTING - The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes determining valid pixel-based pattern(s) that are included in valid reference images. Fraudulent pixel-based pattern(s) that are included in fraudulent reference images are determined. A request to classify an image is received. A determination is made as to whether pixel values in the image match a valid pixel-based pattern or a fraudulent pixel-based pattern. In response to determining that the pixel values match a valid pixel-based pattern, a likelihood of classifying the first image as a valid image is increased. In response to determining that the pixel values match a fraudulent pixel-based pattern, a likelihood that the image as a fraudulent image is increased. The image is classified in response to the request as either a valid image or a fraudulent image based on the likelihoods. | 2022-07-28 |
20220237605 | ANOMALY AND FRAUD DETECTION WITH FAKE EVENT DETECTION USING PIXEL INTENSITY TESTING - The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes determining valid pixel-based pattern(s) that are included in valid reference images. Fraudulent pixel-based pattern(s) that are included in fraudulent reference images are determined. A request to classify an image is received. A determination is made as to whether pixel values in the image match a valid pixel-based pattern or a fraudulent pixel-based pattern. In response to determining that the pixel values match a valid pixel-based pattern, a likelihood of classifying the first image as a valid image is increased. In response to determining that the pixel values match a fraudulent pixel-based pattern, a likelihood that the image as a fraudulent image is increased. The image is classified in response to the request as either a valid image or a fraudulent image based on the likelihoods. | 2022-07-28 |
20220237606 | ANOMALY AND FRAUD DETECTION WITH FAKE EVENT DETECTION USING PIXEL INTENSITY TESTING - The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes determining valid pixel-based pattern(s) that are included in valid reference images. Fraudulent pixel-based pattern(s) that are included in fraudulent reference images are determined. A request to classify an image is received. A determination is made as to whether pixel values in the image match a valid pixel-based pattern or a fraudulent pixel-based pattern. In response to determining that the pixel values match a valid pixel-based pattern, a likelihood of classifying the first image as a valid image is increased. In response to determining that the pixel values match a fraudulent pixel-based pattern, a likelihood that the image as a fraudulent image is increased. The image is classified in response to the request as either a valid image or a fraudulent image based on the likelihoods. | 2022-07-28 |
20220237607 | CONTACTLESS DELIVERY SYSTEMS AND METHODS - A contactless delivery system is provided. The contactless delivery system includes a contactless card storing a cryptogram containing a unique identifier associated with a user account. After entry into a communication field, the contactless card is configured to transmit the cryptogram to a server. Upon receipt of the cryptogram, the server is configured to validate and decrypt the cryptogram, and extract the unique identifier. The server can query a database for an identity of the user account using the unique identifier, generate a digital signature based on the identity of the user account, and transmit a verification notification including the identity of the user account and the digital signature. | 2022-07-28 |
20220237608 | SYSTEMS AND METHODS FOR NEAR FIELD CONTACTLESS CARD COMMUNICATION AND CRYPTOGRAPHIC AUTHENTICATION - Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions. | 2022-07-28 |
20220237609 | SYSTEMS AND METHODS FOR AUTHENTICATION OF ACCESS TOKENS - Systems and methods for authentication may include a first device including a memory, a communication interface, and one or more processors. The memory may include a counter value, transmission data, and at least one key. The one or more processors may be in communication with the memory and communication interface. The one or more processors may be configured to create a cryptogram using the at least one key and counter value, wherein the cryptogram includes the counter value and the transmission data; transmit the cryptogram via the communication interface; update the counter value after cryptogram transmission; receive an encrypted access token via the communication interface; decrypt the encrypted access token; store the decrypted access token in the memory; and transmit, after entry of the communication interface into a communication field, the access token via the communication interface for access to one or more resources, wherein the access token is encrypted. | 2022-07-28 |
20220237610 | SYSTEM AND METHOD FOR SECURE WEB SERVICE ACCESS CONTROL - A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. | 2022-07-28 |
20220237611 | Resource Transfer System - Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity. | 2022-07-28 |
20220237612 | BOSE-EINSTEIN CONDENSATES AS A SERVICE - A BEC-station and a cloud-based server cooperate to provide Bose-Einstein condensates as a service (BECaaS). The BEC station serves as a system for implementing “recipes” for producing, manipulating, and/or using cold (<1 mK) a BEC, e.g., of cold Rubidium 87 atoms. The cloud-based server acts as an interface between the station (or stations) and authorized users of account holders. To this end the server hosts an account manager and a session manager. The account manager manages accounts and associated account-based and user-specific permissions that define what actions any given authorized user for an account may perform with respect to a BEC station. The session manager controls (in some cases real-time) interactions between a user and a BEC station, some interactions allowing a user to select a recipe based on results returned earlier in the same session. | 2022-07-28 |
20220237613 | ATOMTRONICS AS A SERVICE - A atomtronics station and a cloud-based server cooperate to provide Bose-Einstein condensates as a service (ATaaS). The atomtronics station serves as a system for implementing “recipes” for producing, manipulating, and/or using atomtronic devices based on cold atoms that are, in some respects, analogous to classical electronic devices based on electricity. The cloud-based server acts as an interface between the station (or stations) and authorized users of account holders. To this end the server hosts an account manager and a session manager. The account manager manages accounts and associated account-based and user-specific permissions that define what actions any given authorized user for an account may perform with respect to an atomtronics station. The session manager controls (in some cases, real-time) interactions between a user and an atomtronics station, some interactions allowing a user to select a recipe based on results returned earlier in the same session. | 2022-07-28 |
20220237614 | USER BEHAVIOR-BASED MACHINE LEARNING IN ENTITY ACCOUNT CONFIGURATION - A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances. The flexible advance system processes short-term advances such that corresponding funds are immediately transferred from the entity account of the third-party entity to employee accounts without delay. | 2022-07-28 |
20220237615 | METHOD FOR PROVIDING PAYMENT SERVICE AND ELECTRONIC APPARATUS PERFORMING THE SAME - Provided is a method of providing a payment service according to various example embodiments. The method of providing a payment service may include acquiring a payment request for an item from a user, identifying whether the acquired payment request satisfies designated conditions, and omitting an additional authentication operation in response to the payment request satisfying the designated conditions and providing payment completion information corresponding to the payment request. Other example embodiments are possible. | 2022-07-28 |
20220237616 | SYSTEMS AND METHODS FOR IMPROVED BILL PAYMENT - Systems and methods for improved bill payment. In some embodiments, the system may allow users to precisely track and approve/deny incoming and/or outgoing transactions using rules, some of which may be preset by the system and others of which may be set and changed as desired by the users. Rules may allow for restricting approved transactions, for example, to a particular merchant or group of merchants, a particular amount or range/threshold amount(s), dates, or time frames. | 2022-07-28 |
20220237617 | SYSTEMS AND METHODS OF REAL-TIME PROCESSING - A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase. | 2022-07-28 |
20220237618 | SYSTEM FOR DETECTING ASSOCIATED RECORDS IN A RECORD LOG - In some implementations, a system may identify a mitigation record in a record log associated with an account of an application. The system may append a message prompt to the mitigation record that causes the application to request, during a user session associated with the account, an indication of whether there is an association between the mitigation record and an event record. The system may receive, from a user device associated with the user session, feedback associated with the message prompt that indicates whether the mitigation record is associated with the event record. The system may perform, based on the feedback, an action associated with indicating whether the mitigation record and the event record are associated. | 2022-07-28 |
20220237619 | METHODS AND SYSTEMS FOR SECURE AUTHENTICATION IN A VIRTUAL OR AUGMENTED REALITY ENVIRONMENT - A method of generating a virtual reality payment authentication entry interface includes receiving, over a computer network, a request for payment authorization; identifying a virtual reality interface; generating a plurality of payment authentication characters in the virtual reality interface; receiving user input associated with at least one character of the plurality of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input. | 2022-07-28 |
20220237620 | SYSTEMS AND METHODS FOR OUTLIER DETECTION OF TRANSACTIONS - Described are systems and methods for outlier detection and transaction monitoring. This may include collecting corporate data, determining features, detecting relevant features, determining a system model, determining a control policy, monitoring incoming transactions, determining if an outlier alert should be sent, transmitting the outlier alert, receiving user adjudication of the fraud alerts, and feedback of the adjudication. The systems and methods may use aspects of fuzzy logic, predictive modeling, network and community detection, outlier detection, and fuzzy aggregation. | 2022-07-28 |
20220237621 | LINKED OBSERVED HUMAN ACTIVITY ON VIDEO TO A USER ACCOUNT - A system and method for linking observed human activity on video to a user account of a preferred embodiment that includes: through a computer vision monitoring system, detecting and tracking a human as a computer vision modeled person within an environment, the computer vision monitoring system being part of a computing platform managing a user interaction experience; through at least one associative mechanism, establishing an association between the computer vision modeled person and at least one associative element and thereby associating the computer vision modeled person and a user-record linked through the associative element; and directing the user interaction experience at least in part based on the combination of the modeled person and at least the user-record. | 2022-07-28 |
20220237622 | ENHANCED SECURITY FOR TRANSACTION REQUESTS UTILIZING AUTOMATIC SOURCE IDENTIFICATION - Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information (“ASI”), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks. | 2022-07-28 |
20220237623 | SECURE, LOW-COST, PRIVACY-PRESERVING BIOMETRIC CARD - One example method includes generating a biometric of a user, requesting, and receiving, biometric data from a card, comparing the biometric data with the biometric, and when the biometric data matches data of the biometric, authorizing a transaction requested by a user using the card. The request for biometric data may identify what particular type of biometric data is compatible with the device making the request, and the biometric data may be a subset of the data that makes up the biometric. | 2022-07-28 |
20220237624 | INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, AND NON-TRANSIENT COMPUTER- READABLE STORAGE MEDIUM STORING PROGRAM - An information processing device includes a processor, the processor being configured to: acquire sound data collected in a predetermined facility; extract voice data generated by speech of a person in the predetermined facility from the sound data; and evaluate a status of customers in the predetermined facility based on the voice data. | 2022-07-28 |
20220237625 | SYSTEM AND METHOD FOR COMMUNICATING BETWEEN A VEHICULAR SERVICE PROVIDER TERMINAL ASSOCIATED WITH A VEHICULAR SERVICE PROVIDER, A VEHICULAR SERVICE CUSTOMER TERMINAL ASSOCIATED WITH A VEHICULAR SERVICE CUSTOMER, AND A VEHICLE COMMUNICATION TERMINAL ASSOCIATED WITH A VEHICLE - A vehicular service provider terminal transmits to a vehicular service customer terminal initial vehicular service conditions, receives from the customer terminal a request to change an existing vehicular service parameter and/or add a new one, transmits to the customer terminal updated vehicular service conditions taking into account the changed or added service parameter, and receives from the customer terminal a notification of accepting the updated vehicular service conditions. A parameter monitoring unit in communication with a vehicle communication terminal monitors the existing and/or new service parameter to generate vehicular service parameter data. The vehicle communication terminal transmits to the service provider terminal and/or to the customer terminal the generated vehicular service parameter data. | 2022-07-28 |
20220237626 | SELF-PROVISIONING HUMANOID FOR AUTOMATED CUSTOMER SUPPORT - A computer executed process for mimicking human dialog, referred to herein as a “humanoid” or “humanoid system,” can be configured to provision itself to provide automated customer support. The humanoid can be trained for a customer support campaign. The training can include the humanoid observing communications between a human operator and at least one customer regarding at least one customer support case in the customer support campaign. The humanoid can assess at least one confidence level of the humanoid for the customer support campaign to determine whether the humanoid is adequately trained to handle future customer support cases for the customer support campaign. The humanoid can provision itself to handle at least one future customer support case in the customer support campaign in response to determining that it is adequately trained for the customer support campaign. | 2022-07-28 |
20220237627 | DIGITAL MARIJUANA FACILITY REMOTE ASSESSMENT, INSPECTION, AND REPORTING PLATFORM - Techniques are described herein for providing a system and techniques for enabling remote monitoring, assessing, inspecting of a marijuana dispensary facility through remote reporting provided by an operator of the facility. A platform server generates a questionnaire prompt in response to a request to initiate an assessment of a marijuana dispensary facility of an operator user. The platform server presents, via a user interface, the questionnaire prompt and receives submission data from the operator user in response The platform server generates an assessment report from the submission data. The platform server presents the assessment report to an assessor user and receives an indication from the assessor user of whether to approve or reject the assessment report and/or request further information germane to the report or supplementation of the report. | 2022-07-28 |
20220237628 | BLOCKCHAIN TRACKING OF CARBON CREDITS FOR MATERIALS WITH SEQUESTERED CARBON - Systems and methods are disclosed for tracking, via a blockchain registry, carbon credits in goods produced from materials with sequestered carbon. Materials with sequestered carbon may be produced by reacting greenhouse gases with air and other reagents and catalysts (including biological organisms). Following production of a batch of material with sequestered carbon, a blockchain entry may be recorded with production details and details of carbon-credits earned during production. The carbon-sequestering material may later be converted into products, each of which may have a unique product identifier. A blockchain entry may be recorded with the unique product identifiers such that an owner of a unit of product can obtain, from the blockchain registry, a verified amount of carbon-credit associated with that unit. | 2022-07-28 |
20220237629 | SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR DETERMINING THE VERACITY OF A BANK FRAUD CALL - A system can include, for example, a secure data module(s) configured to store sensitive data regarding the user(s), a synthetic dataset generating module(s) configured to generate the synthetic dataset based on the sensitive data, and a control module configured to receive a request from an application for a dataset related to the user(s), provide the request to the synthetic dataset generating module(s), receive the synthetic dataset from the synthetic dataset generating module(s), and provide the synthetic dataset to the application. The synthetic dataset generating module(s) can be configured to generate the synthetic dataset based on the dataset. | 2022-07-28 |
20220237630 | FARMED FISH TRACKING AND VERIFICATION SYSTEM - A farmed fish tracking and verification system involves introducing biomarkers into a batch of farmed fish, and storing biomarker information in a database. Other information is also stored in the database, such as production information and funding information. Funding information can include information regarding funders who have contributed funds for the production of the fish. The funding information can also include payment instructions for the funders. Once the fish is processed, and a fish product is delivered to a customer, the fish product can be scanned to detect the biomarker information for approval. The database can then be queried using the biomarker information to track and verify information about the fish. Once the fish product is approved and sold to a customer, a portion of the proceeds can be transferred directly to one or more funders accounts based on the payment instructions. In some embodiments the database stores information relating to the farmed fish in a blockchain, such that the data relating to the farmed fish can also be tracked and verified. Techniques for customized production of fish based on unique needs of an individual or group of people are also disclosed. | 2022-07-28 |
20220237631 | METHODS AND APPARATUS FOR GENERATING USER PROFILE BASED ON PERIODIC LOCATION FIXES - Implementations relate to systems and methods for generating a user profile based on periodic location fixes. A cellular telephone or other mobile device captures location information via GPS or other capability. A location history can be generated from accumulated location fixes. The location history is then analyzed to detect the user's travel and dwell patterns. That information can be combined with business classification (e.g., SIC, etc.) or Point of Interest (POI) databases to identify a user's likely home, work, or other locations based on dwell-times, time of day, and other parameters. The user's age and gender can potentially be inferred based on types of locations visited, such as school locations. The user profile can be correlated with market segmentation databases to generate a marketing rating, such as a Nielsen or Claritas rating. Advertising, media, or other content can then be tailored to the user's individual location and demographic profiles. | 2022-07-28 |
20220237632 | OPPORTUNITY CONVERSION RATE CALCULATOR - A method comprising: retrieving one or more customer engagement records, the one or more customer engagement records being associated with an opportunity for making a sale to a customer; identifying a plurality of free text samples that are part of the customer engagement records; identifying a plurality of data items that are part of the free text samples; calculating a plurality of semantic distances, each of the semantic distances corresponding to a different one of a plurality of data item pairs; clustering the data items into textual clusters based on the identified semantic distances; and training a classifier based, at least in part, on the textual clusters, the classifier being configured to receive an offer for the customer, classify the offer and output an estimation of whether the offer is expected to result in a sale. | 2022-07-28 |
20220237633 | AUTOMATICALLY UPDATING USER INTERFACES WITH DISPARATE REAL-TIME DATA SOURCES - A system, method, and computer-readable medium are disclosed for automatically updating graphical user interfaces when data is received and updated from multiple sources of different types. An update of a dataset in a static data source may be detected by the system, which may trigger a request to a data feed for an updated dataset. Based on the data in the updated datasets, the system may automatically update the graphical user interface. The system may determine that the updated data matches a product within a product feed and send out a notification to a user regarding the match. | 2022-07-28 |
20220237634 | SYSTEMS AND METHODS PROVIDING EN MASS COLLECTION AND CENTRALIZED PROCESSING OF PHYSIOLOGICAL RESPONSES FROM VIEWERS - An example system includes a first headset including first sensor to gather first user data from a first subject during exposure to media, the first user data including at least one of psychophysiological data or physiological data; and a first processor to generate first data indicative of an emotional response of the first subject based on the first user data. The example system includes a second headset including a second sensor to gather second user data from the second subject during exposure to the media, the second user data including at least one of psychophysiological data or physiological data; a second processor to generate second data indicative of an emotional response of the second subject based on the second user data and synchronize the second data with the first data to generate synchronized response data; and a second transmitter to transmit the synchronized response data to a central processor. | 2022-07-28 |
20220237635 | SKILLS AND TASKS DEMAND FORECASTING - Obtain, as input, in electronic form, structured information including tasks for a plurality of occupations in a plurality of industries over a length of time; compute, from the structured information, a time series of normalized occupation task shares over the length of time; train a computerized machine learning model, on the time series, to predict future task shares for the plurality of occupations in the plurality of industries; and, with the trained computerized machine learning model, predict the future task shares. | 2022-07-28 |
20220237636 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR IDENTIFYING A BUSINESS NEED VIA A PROMOTIONAL SYSTEM - A method, apparatus and computer program product are provided for identifying a service need via a promotional system, and offering the service need to a third party. Promotions may be offered via a promotional system for a consumer to purchase in exchange for a discounted product or service from a provider. Demand information, which may be collected based on promotions and/or other sources. A residual demand may be calculated based on the demand information and available inventory. The residual demand may be utilized to identify a service need. The service need may be identified in a geographic area having a similar demographic to a geographic area having an associated successful promotion. A service need may be provided to a third party or provider, and may indicate the need for a new business or expansion of a current business. | 2022-07-28 |
20220237637 | SYSTEMS AND METHODS FOR REAL TIME CROWDSOURCING - Systems, methods, and non-transitory computer-readable media can be configured to receive a question associated with an entity. At least one local user can be determined based at least in part on a location associated with the at least one local user. The question can be provided to the at least one local user. | 2022-07-28 |
20220237638 | CROWD DEMOGRAPHIC ANALYSIS - A method, an apparatus and a computer program product for evaluating demographics of viewers of live-streamed videos. A stream data of a video stream provided to an audience over the Internet via a live-streaming platform may be obtained. The stream data comprise information describing a content of the video stream. Each viewer may be identified in the video stream using a handle. Demographic information of a viewer may be estimated, automatically by a computerized device, based on the stream data and the handle of the viewer. An aggregated demographic information of the audience may be estimated based on the demographic information of a plurality of viewers comprised by the audience. Actions may be performed based on the aggregated demographic information of the audience. | 2022-07-28 |
20220237639 | SYSTEM AND METHOD FOR DATA PREDICTION USING HEAT MAPS - Systems for predicting cash demand within a geographic region using various electronic resources is provided. In an example, a non-transitory, machine-readable medium, comprising instructions, which when performed by a machine, causes the machine to perform operations to receive cash information from one or more databases, and create a predictive cash demand map for a time period using the cash information. | 2022-07-28 |
20220237640 | System and Method for Using Observational Datasets to Improve Hotel Revenue Estimates and Associated Economic Impact in Real-Time - The present invention is a system and method for improving the accuracy with which marketing efficacy can be measured and improved using human behavioral insights. The process aligns at least two different data sets and normalizes the information by removing statistical bias. In a particular implementation motor vehicle data is collected by census of hotelier transaction data. The transaction data is overlaid upon observed vehicle data which is captured by a triggering event. The system statistically analyses the data resulting from the combined data sets and provides a report with a recommendation to a human user. | 2022-07-28 |
20220237641 | Economic Development and Collaboration System - An exemplary non-limiting embodiment of an economic development and collaboration system, which enables individuals within a community to efficiently identify and express their interests in one or more economic propositions, is disclosed herein. The economic development and collaboration system comprises a software application which is configured to allow users to uniquely interface with the one or more economic propositions. The system allows for its users to efficiently identify and express support or disapproval of one or more economic propositions. A variety of engagement mechanisms are provided by the economic development and collaboration system to assist users in democratizing their interests. The system allows for a variety of forms of financial support of each economic proposition and provides valuable statistical data which may be utilized by entrepreneurs, business owners, developers, lenders, investors, or public officials when considering whether to implement or support the implementation of one or more economic propositions. | 2022-07-28 |
20220237642 | METHOD AND SYSTEM TO REDUCE FOOD WASTE AND OPTIMIZE MARKDOWNS AND CONTROL PRICES IN RETAIL - Systems for determining a price of goods, reducing food waste, optimizing markdowns for the goods, and controlling prices of the goods in a retail setting are described. A scanner scans a readable identification tag affixed to a good during a time period. A pricing engine of at least one server queries, dynamically and in real-time, a database to identify, from the readable identification tag, the good and the information associated with the good. The pricing engine then applies algorithms to the identified good to calculate a price of the good and modify the calculated price of the good during the time period to optimize a target function. The optimization of the target function depends on price-calculation factors associated with a shelf-state of the good and associated with a future stock of the good. At least one calculated price based on the expiration date of the good is displayed. | 2022-07-28 |
20220237643 | SYSTEMS AND METHODS FOR EFFICIENT PROMOTION EXPERIMENTATION FOR LOAD TO CARD - Systems and methods for the efficient generation and testing of promotions within a load to card environment are provided. A load-to-card abstraction layer collects store, user and offer data. The test promotions are then generated to span a design space of an offer. The user base is segmented and the test promotions are applied. The promotions include an offer, and the ability to load the offer for later redemption (load-to-card). Redemption and load rates are measured, and can be used individually, or in combination, to gauge consumer engagement with the promotion. Promotions with low consumer engagement may be discontinued, until only optimally performing promotions are remaining. | 2022-07-28 |
20220237644 | HABIT-BASED REWARDS SYSTEMS AND METHODS - The present disclosure is directed to systems and methods for determining one or more incentives for a user. For example, a method that may include: receiving a selection of an objective from among a plurality of objectives from a user via a client device; presenting, based on the selected objective, one or more incentives from among a plurality of incentives to the user, the plurality of incentives being based on a machine learning model trained to determine the plurality of incentives based on past purchases; receiving a selection of at least one of the one or more incentives from the user via the client device; and determining whether to allocate the selected one or more incentives based on a performance of the user. | 2022-07-28 |
20220237645 | DISTANCE POINTS INTERACTIVE INTERFACE AND RELATED METHODS - A computer-implemented method includes determining a number of distance points connected to a person at a point in time, scraping a plurality of indexes corresponding to a respective plurality of journey hosts to identify a plurality of journey possibilities for each journey host of the plurality of journey hosts, generating a plurality of reachable locations based on the number of distance points and the journey possibilities, the plurality of reachable locations comprising at least a subset of the plurality of journey possibilities correlated to the number of distance points, receiving location signals generated via a location sensor of a device associated with the person, identifying one or more previous locations of the device based on the location signals, identifying a subset of the reachable locations based on the previous locations of the device, and generating a graphical interface to visually display the subset of the reachable locations on a map. | 2022-07-28 |
20220237646 | Context-aware systems and methods for selecting smartphone applications/services and awarding reward tokens - Systems and methods are disclosed for providing context-aware selection and recommendation of applications and services on a mobile device. The selection of the preferred applications is based on the context of the user and the context of the applications. A comparison engine related to a recommendation module performs a similarity computation between context attribute vectors of the user and the applications. Based on the similarity computation, a rank-order is produced that determines in what order the application icons should be presented to the user. A digital wallet is also disclosed that maintains the reward points awarded to the user as crypto/virtual tokens based on the instant principles. Unlike prevailing techniques, the reward points are awarded in a context-aware manner after reconciling the conflicting or contradictory usage habits of the user. | 2022-07-28 |
20220237647 | REWARDS PROGRAM - The rewards program system and method provide an efficient and effective way for customers to enroll in rewards programs, and accrue and redeem rewards at participating merchants. The system generates promotions, analyzes transaction data to identify whether a customer used a promotion, issued by the system (e.g., promotions provider), with a merchant. When the customer redeems a promotion, the system accrues reward amounts in a customer account, and allows the customer to redeem accrued rewards amounts. The system generates credit card profiles and customer profiles, and offers customers subsequent promotions based on the transaction data and/or the customer's customer profile. The system issues the customer subsequent promotions when the amount credited to the rewards account satisfies a redemption threshold. The subsequent promotions may be redeemable at merchants that have promotions issued by the promotion provider, including the merchant where the promotion was used that resulted in the credited amount. | 2022-07-28 |
20220237648 | SYSTEM AND METHOD FOR GENERATING LOCATION BASED MULTIPLIER NOTIFICATIONS - A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including location data indicating a location of a user; determine, based on the location data, that the user is located within a threshold distance of a particular merchant; generate a notification indicating a particular multiplier for the particular merchant; and send, via the communications module and to the computing device, a signal causing the computing device to display the notification, the notification including an option to accept the particular multiplier for the particular merchant. | 2022-07-28 |
20220237649 | Systems and Methods to Provide a User Interface for Redemption of Loyalty Rewards - A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message. | 2022-07-28 |
20220237650 | BOOKING CALENDAR WITH AUTOMATIC DISCOUNT APPLICATION AND CLIENT NOTIFICATION - An appointment calendar system provides services by a service provider to clients or customers with the system comprising a dynamic data base of total available service time for a selected period of time, wherein the service time is allocated to selected personnel who provide services. The calendar system provides appointments for selected services for allocated times and for blocking off service time periods within the selected period of time and maintains a dynamic total of blocked off service time periods as a percentage of the total available service time. A percentage of blocked off service time of the total service time is dynamically compared to a preset table of discount percentages in the calendar system to provide a preset discount offered to customers or clients for at least one of services and related products and for Deals/Packages at different levels of calendar capacity or booked time percentages. | 2022-07-28 |
20220237651 | BENEFIT DISTRIBUTION SYSTEM, BENEFIT DISTRIBUTION METHOD, AND BENEFIT DISTRIBUTION PROGRAM - A benefit distribution system configured to distribute benefits related to products and services of a specific advertiser comprising: a benefit awarding unit configured to allows a user who watches specific content to acquire a benefit, the benefit being associated with at least a real store or a virtual store in a network making the benefit available; a notification unit configured to notify the user terminal of the user of proximity information indicating the proximity to a store when the user is within a predetermined proximity to a store at which the benefit is available in either real space or virtual space; and a presentation unit configured to presents to the user content information related to the content that triggered acquisition of the benefit when the user uses the benefit at the store | 2022-07-28 |
20220237652 | ANALYSIS OF MARKETING AND ENTERTAINMENT EFFECTIVENESS USING CENTRAL NERVOUS SYSTEM, AUTONOMIC NERVOUS SYTEM, AND EFFECTOR DATA - An example system includes an analyzer to identify a degree of amplitude synchrony between a first pattern in a first frequency band in first neuro-response data and a second pattern in a second frequency band in the first neuro-response data, the first neuro-response data gathered via a first modality of collection from a subject while the subject is exposed to media, and modify the degree of amplitude synchrony in response to activity in second neuro-response data, the second neuro-response data gathered via a second modality of collection from the subject while the subject is exposed to the media, the activity corresponding in time to at least a portion of the first pattern or the second pattern. The example system includes an estimator to determine an effectiveness of the media based on the modified degree of amplitude synchrony. | 2022-07-28 |
20220237653 | SYSTEMS AND METHODS FOR DETERMINING MEDIA CREATIVE ATTRIBUTION TO WEBSITE TRAFFIC - A media creative attribution method includes determining a response profile within an attribution time window, the response profile being a portion of a unique visitor (UV) curve associated with a website. In some cases, a shadow baseline analysis is run on every media creative that aired within an extended time window to determine whether to adjust the response profile. A total lift within the attribution time window is determined utilizing a baseline of the UV curve. A weight for each media creative that aired within the attribution time window is determined. Utilizing the weight, the total lift is allocated to individual media creatives that aired within the attribution time window. The allocated attribution can be utilized to generate performance metrics relating to the individual media creatives that aired within the attribution time window. The performance metrics such as cost per visitor can be visualized through a user interface or dashboard. | 2022-07-28 |
20220237654 | METHOD AND APPARATUS FOR PROVIDING PROMOTION RECOMMENDATIONS - The present disclosure relates to methods, systems, and apparatuses for providing electronic communications to client devices based on clustering and filtering candidates for inclusion in the electronic communications based on programmatically generated correlation metrics and thresholds associated with the clustering. | 2022-07-28 |