34th week of 2022 patent applcation highlights part 54 |
Patent application number | Title | Published |
20220270096 | COMPUTER-IMPLEMENTED METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR AUTHENTICATING A TRANSACTION - A computer-implemented method, system, and computer program product is provided for authenticating a transaction. The method includes: receiving, on a mobile device associated with a user, a request from an authentication system, the request associated with a transaction requested by the user; obtaining, with the mobile device from a portable payment device, account data via radio frequency communication; obtaining, with the mobile device, mobile device location data including at least one of the following: GPS location data, telephone carrier location data, wireless network location data, or any combination thereof; encrypting, with the mobile device, at least a portion of the account data and the mobile device location data, resulting in at least one encrypted data packet; and transmitting, with the mobile device to the authentication system, the at least one encrypted data packet. | 2022-08-25 |
20220270097 | SYSTEM AND METHOD FOR PASSIVE AUTHENTICATION OF REMOTE USER TRANSACTIONS - A system and method of authenticating remote transactions is presented. The method includes: receiving a request to authenticate a remote transaction; collecting an authentication data feature through a sensor without notifying a user requesting the remote transaction; determining, based on the collected authentication data feature and an authentication profile if the user is physically located is at a designated location; and authorizing the remote transaction when the user is physically located at a designated location | 2022-08-25 |
20220270098 | SYSTEM FOR REMOTE DUAL-SECURITY INSTRUMENT TRANSFER USING ENCRYPTED VERIFICATION DATA AND LOCATION-BASED AUTHENTICATION - Provided herein are systems, methods, and apparatuses related to instrument transfer facilitated by a dual-security process between at least three interacting devices. The system may include one or more servers configured to provide an instrument to a first computing device and to receive and process a request from a second, remote device verify whether the remote device is authorized to access data associated with the instrument. The system may authenticate the remote device using a two-step process including decrypting a set of encrypted verification data and authenticating the remote device via location. | 2022-08-25 |
20220270099 | SELF-CHECKOUT SYSTEM AND METHOD - A self-checkout system includes a commodity registration apparatus and a management server. The commodity registration apparatus includes a first storage device and a first processor. The first processor acquires an image of a customer at commodity registration apparatus and information related to commodity registration. The first processor detects possible fraud event based on the image and the registration information. Fraud points corresponding to the possible fraud are output to the management server in conjunction with customer identification information. The management server includes a second storage device and a second processor. The second processor accumulates the received fraud points in association with the customer identification information and stores accumulated total points for each customer in the second storage device. | 2022-08-25 |
20220270100 | SYSTEMS AND METHODS FOR ACCESSING RECORDS VIA DERIVATIVE LOCATORS - Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository. | 2022-08-25 |
20220270101 | ADAPTIVE ANTI-MONEY LAUNDERING (AML) TRANSACTION PROCESSING - An adaptable anti-money laundering (AML) transaction analysis includes classifying different reviewers according to experience recorded in connection with reviewing financial transactions and determining a capacity for different reviewers. A transaction is received and a primary AML test selected for the transaction. The primary AML test is applied to the transaction and, in response to a failure of the primary AML test, a magnitude of failure is computed along with a degree of expertise required to review the transaction based upon the computed magnitude. A triage rule is applied to the computed magnitude and required degree of expertise and the capacity of the reviewers classified with a degree of expertise equal to or greater than the required degree to determine whether or not to subject the transaction to a secondary AML test, or to queue the transaction for review by one of the reviewers having the required degree of expertise. | 2022-08-25 |
20220270102 | CONTROLLING METHOD, DEVICE, AND RECORDING MEDIUM - A controlling method is executed by one device among a plurality of devices each including a distributed ledger in an illicit transaction reporting system that reports an illicit transaction in electronic transactions, and the controlling method includes obtaining report transaction data that includes report information indicating a report that one transaction is suspected of being illicit, transferring the report transaction data obtained to other devices among the plurality of devices and storing the report transaction data into the distributed ledger of the one device, obtaining approving or disapproving transaction data that includes approving or disapproving information with regard to the report, transferring the approving or disapproving transaction data obtained to the other devices and storing the approving or disapproving transaction data into the distributed ledger of the one device, and determining whether the report is correct based on the approving or disapproving information in the approving or disapproving transaction data. | 2022-08-25 |
20220270103 | SYSTEM AND METHOD FOR A DATA PROTECTION MODE - A method may include storing, in a storage device of a mobile device, a mobile wallet element, the mobile wallet element including protected information and non-protected information; receiving a request, on the mobile device, to display the mobile wallet element in a protected mode; accessing preferences for displaying the mobile wallet element in the protected mode; and in response to the request: enabling a protected mode display of the mobile wallet element; displaying, on a display device of the mobile device, the non-protected information of the mobile wallet element according to the preferences; and restricting access to the protected information while the protected mode is enabled. | 2022-08-25 |
20220270104 | PAYMENT SYSTEM USING CUSTOMER'S FINGERPRINTS - Shoppers install a software app on a mobile device and create a user profile. The shopper scans a fingerprint using a fingerprint sensor. Scanned fingerprint data is wirelessly transmitted to the shopper's mobile device for re-transmission over the Internet for storage in a secured server. The shopper can add payment methods (credit cards, debit cards, etc.) to the user's profile. Participating merchants registered with the payment system provide a fingerprint sensor at the point of sale. A shopper transacts purchases at a merchant's location by placing a finger on the fingerprint sensor. Scanned fingerprint data is transmitted to a merchant point of sale device and re-transmitted over the Internet to confirm the identity of the shopper, and to complete the transaction. A shopper makes purchases online using the installed software app. Participating merchants integrate APIs with existing e-commerce platforms, allowing merchants to charge and/or request access to user payment accounts. | 2022-08-25 |
20220270105 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD AND STORAGE MEDIUM - Provide are an information processing system, an information processing method, and a storage medium that can efficiently register a plurality of pieces of biometric information capable of realizing highly accurate biometric authentication. An information processing system includes: a registration unit that registers a first biometric information acquired by a first terminal; and an acquisition unit that acquires a target biometric information to be matched with the first biometric information, wherein the registration unit registers a second biometric information acquired by a second terminal different from the first terminal when the target biometric information is acquired in association with the first biometric information according to matching result of the target biometric information with the first biometric information. | 2022-08-25 |
20220270106 | METHODS AND APPARATUS FOR AUTHORIZING AUTOMATED TELLER MACHINE TRANSACTIONS USING BIOMETRIC DATA - A method using an automated teller machine of processing a transaction is provided. The method includes receiving inputs indicating an account identifier and a unique personal identifier of a customer, sensing biometric data of the customer using a biometric sensor, receiving a transaction indication indicating a transaction, and generating a transaction authorization request. The transaction authorization request includes the account identifier, the unique personal identifier of the customer, the biometric data of the customer, and the transaction indication. | 2022-08-25 |
20220270107 | SYSTEM AND METHOD FOR FACILITATING SECURE SELF PAYMENT TRANSACTIONS OF RETAIL GOODS - Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase. | 2022-08-25 |
20220270108 | PRODUCT RETURNS BASED ON INTERNAL COMPOSITION RULES - A method, computer system, and a computer program product for internal product composition analysis is provided. The internal product composition analysis may begin by receiving a product return identifier associated with a product and then retrieving a plurality of product data based on the received product return identifier, wherein the retrieved plurality of product data includes one or more expected features. Then one or more internal images of the product are generated and one or more internal features of the product are identified from the generated one or more internal images The identified one or more internal features may then be compared with the one or more expected features and in response to determining that the identified one or more internal features match the one or more expected features, accepting the product return. | 2022-08-25 |
20220270109 | PROCESS AUTOMATION USING ANALYSIS OF ENTERPRISE NETWORK - A method for task automation that includes selecting a task of process performed in a business to measure for automation suitability, and configuring an enterprise graph as a source for stakeholders in a business having a measurable affinity to the task. The method further includes scoring the stakeholders by affinity using the source provided from the enterprise graph, and clustering the stakeholders into groups scored by affinity to the task. The method can further include performing a survey including questions directed to a level of automation to the groups of stakeholders, and scoring results from the survey directed to the level of automation. | 2022-08-25 |
20220270110 | MEMBERSHIP MANAGEMENT METHOD AND DEVICE THEREFOR - A member information management method in an electronic apparatus of the present disclosure includes obtaining a request to withdraw from a service from a user, identifying first information related to the user's account, identifying second information, based on the first information, including at least one of whether there is an ongoing order, whether there is a residual asset related to the service, and whether there is an outstanding amount after payment related to the service, and providing a withdrawal restriction response determined based on at least one of the second information in response to the withdrawal request when the second information does not satisfy a withdrawal condition. | 2022-08-25 |
20220270111 | Apparatus for the Automated Return of a Good and Method for Operating the Apparatus - Various embodiments provide an apparatus ( | 2022-08-25 |
20220270112 | CO2-REDUCTION CREDIT COMPUTING SYSTEM USING OILY WASTEWATER - A carbon offset credit calculation system utilizing waste oil includes a first terminal device inputting information relating to waste oil regarded as a biomass resource; a second terminal device owned by a fuel manufactory and inputting information relating to biofuel, which is purified from waste oil. The fuel manufactory produces the biofuel based on the waste oil. The system includes a third terminal device owned by a site consuming biofuel and inputting information relating to power generation and fuel consumption; and a carbon offset credit calculation server, which calculates a carbon offset amount based on information input by the first terminal device, the second terminal device, and the third terminal device, and calculates a carbon offset credit based on the carbon offset amount. The first terminal device, the second terminal device, the third terminal device, and the carbon offset credit calculation server are connected to one another via the network. | 2022-08-25 |
20220270113 | USER PROVISIONING MANAGEMENT IN A DATABASE SYSTEM - A central database system receives information associated with an employee from an employer. Using this information, the central database system can provision one or more user accounts for the employee, for instance via an API of an account provider. The central database system can use a machine learned model to identify fields of the API and to translate the information associated with the employee based on information requirements associated with the API. When a characteristic of the employee, such as the employee's title, subsequently changes within the central database system, one or more features associated with the user account can be automatically updated in response to the change. | 2022-08-25 |
20220270114 | METHOD AND SYSTEM FOR AUTOMATIC LEAD GENERATION BASED ON PUBLIC DOCUMENTS - A method for automatically generating leads for solicitation of prospective clients is provided. The method includes: accessing identification information that relates to an entity that has registered with a government agency via a web site associated with the agency; automatically downloading a document that the entity has filed with the agency from the web site; extracting additional information from the downloaded document; determining an identity of a target group for solicitation of the entity as a prospective client based on the accessed information and the extracted information; and routing a relevant portion of the information to the target group. | 2022-08-25 |
20220270115 | TARGET SELECTION SYSTEM, TARGET SELECTION METHOD AND NON-TRANSITORY COMPUTER-READABLE RECORDING MEDIUM FOR STORING TARGET SELECTION PROGRAM - A learner generation unit generates, as a learner group, a plurality of learners that learned a correspondence of an attribute and an outcome in each of a plurality of learning data sets extracted from a data group associated with an attribute and an outcome of each of the targets. A target selection unit applies the learner group selected for inference to an inference data set and predicts, for each of the learners, an outcome corresponding to an attribute in the inference data set, calculates, for each attribute in the inference data set, at least one of an average of the outcomes predicted for each of the learners or an index value expressing an uncertainty of the outcomes, and selects, from the inference data set, the target to which the policy is to be executed based on at least one of the calculated average or the calculated index value. | 2022-08-25 |
20220270116 | Methods to identify critical customer experience incidents using remotely captured eye-tracking recording combined with automatic facial emotion detection via mobile phone or webcams. - Systems and methods are provided by analyzing video responses to human interactions with computers or screens for web-journey and marketing optimization purposes. The video feed of the participants face is then used to develop individual insights into, individual responses associated with eye-movement (speed, distance travelled over time, saccades, fixation, blinks), and facial emotions (happy, surprised, sad, fear, anger, disgust, and neutral). Our system then combines these individual metrics, through our proprietary algorithm, into a single output that combines the individual insights (eyes and facial emotion), and then creates a more valuable insight through the compounding effect of the metrics. | 2022-08-25 |
20220270117 | VALUE RETURN INDEX SYSTEM AND METHOD - A value return index system is disclosed. The system value return index system comprises a user interface via a user client device on a computer network, the user interface including one or more fields to receive user data selections to display (1) a brand value landscape view wherein a brand value is selected by the user and brand competitors are compared as to brand value awareness and calculated value consideration or a brand landscape view wherein a brand is selected by the user and brand values are compared with respect to value awareness and calculated value considerations. The value return index system incorporates one or more servers on the computer network that are programmed to determine an expected purchase propensity score for users and brands by training a machine learning algorithm using a framework of actual purchase data and the user demographic data, brand data and the social media data relating to the brands to create a model for calculating a prediction value of likelihood of a user to purchase a brand. | 2022-08-25 |
20220270118 | SYSTEMS AND METHODS FOR PROVIDING NAVIGATION TENDENCIES TO USERS OF A WEBSITE - The example systems and methods provide ways for websites to monitor, store, retrieve, and display navigation tendencies of users of websites. More particularly, the systems and methods involve websites displaying measures of user traffic associated with various categories of web content. The measures of user traffic may inform a user of how the user previously navigated the various hierarchical categories of web content, or the measures of user traffic may inform a user of how others navigate the various hierarchical categories of web content. Moreover, the user may select an identifiable group of users for which the website will display navigation tendencies. In the alternative, the website may display navigation tendencies of an identifiable group of users based on an identity of the user viewing the website. | 2022-08-25 |
20220270119 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PREDICTING A NEXT HOP IN A SEARCH PATH - Embodiments disclosed provide a system, method, and computer program product for identifying consumer items more likely to be bought by an individual user. In some embodiments, a collaborative filter may be used to rank items based on the degree to which they match user preferences. The collaborative filter may be hierarchical and may take various factors into consideration. Example factors may include the similarity among items based on observable features, a summary of aggregate online search behavior across multiple users, the item features determined to be most important to the individual user, and a baseline item against which a conditional probability of another item being selected is measured. | 2022-08-25 |
20220270120 | SALES AND MARKETING ASSISTANCE SYSTEM USING PREDICTIVE ANALYTICS AND METHOD - A sales and marketing assistance system using predictive analytics is provided for assisting sales by leveraging predictive analytics. The sales and marketing assistance system using predictive analytics may include a database, data warehouse, parse component, analytic component, insight component, dashboard component, mapping component, contact management component, review management component, campaign component, and messaging component. A method for assisting sales by leveraging predictive analytics using the sales and marketing assistance system using predictive analytics is also provided. | 2022-08-25 |
20220270121 | PROBABILISTIC SEARCH BIASING AND RECOMMENDATIONS - Disclosed herein are system, method, and computer program product embodiments for probabilistic search biasing and recommendations. A system including at least one processor may be configured to receive an input relating to an identified item, generate a database query based on the input, and receive a response to the database query. The response may include information on comparable items similar to the identified item, and corresponding metadata for the comparable items. The corresponding metadata may include a range of values corresponding to the comparable items. The system may be further configured to generate a probability score for at least two values of the range of values, based at least on the corresponding metadata for the comparable items. The system may be further configured to output at least a suggested value based on at least the generated probability score for the range of values and prompt for further input. | 2022-08-25 |
20220270122 | INFORMATION DELIVERY METHOD, APPARATUS, AND DEVICE, AND COMPUTER-READABLE STORAGE MEDIUM - A computer device includes a delivery management interface. The device receives a delivery operation on the delivery management interface. The device obtains target delivery information via an information management sub-module, The device obtains, according to the target delivery information, at least one piece of management sub-information corresponding to at least one management sub-module. The information management sub-module and the at least one management sub-module are distinct modules of a delivery management domain. The device processes the at least one piece of management sub-information using the at least one management sub-module. The device displays the target delivery information on the delivery management interface according to the processing result. The device also causes a display device to display the target delivery information according to separate modules corresponding to a delivery display domain. | 2022-08-25 |
20220270123 | DATACENTER WITH DECENTRALIZED MANAGED NEGOTIATION BETWEEN DATACENTER AND DEVICES - Disclosed techniques include systems and methods for managed negotiation between a controller of a datacenter and devices receiving resources as directed by the controller in the datacenter. The controller can identify a need for reduction in power provision or any other resource, and can make offers to device(s) requesting the device consumes less power. The offer also includes compensation paid by the controller to the device in exchange for the power reduction. | 2022-08-25 |
20220270124 | METHOD AND APPARATUS FOR PROVIDING INFORMATION BASED ON LIST OF SEARCH RESULT OF ITEM - Disclosed is a method of providing information on a server comprising obtaining a keyword from a user, identifying an item list corresponding to the keyword, identifying a ratio of items corresponding to a specific type among a plurality of items included in the item list, and, when the item corresponding to the specific type is an item that provides benefits related to membership subscription, and the ratio of the items satisfies a specific condition, providing a first page including first information related to the item list and second information on or regarding the benefits related to the membership subscription for the item corresponding to the specific type in the item list. Also disclosed is a method of providing information on a user terminal. | 2022-08-25 |
20220270125 | REFERRAL REVENUE SYSTEM - The present invention discloses a system ( | 2022-08-25 |
20220270126 | Reinforcement Learning Method For Incentive Policy Based On Historic Data Trajectory Construction - A system and method to optimize the distribution of incentives for a transportation hailing service is disclosed. A database stores state data and action data received from a client devices and transportation devices. The state data is associated with the utilization of the transportation hailing service and the action data is associated with different incentives to passengers to engage the transportation hailing service. A Q-value determination engine is trained to determine rewards associated with incentive actions from a set of virtual trajectories of states, incentive actions, and rewards, based on a history of the action data and associated state data from the database. Passengers are ordered according to V-values. An incentive policy including selected incentive actions based on the determined rewards and passengers is created. An incentive server communicates selected incentives to at least some of the client devices according to the determined incentive policy. | 2022-08-25 |
20220270127 | RECONCILIATION OF COMMERCIAL MEASUREMENT RATINGS FOR NON-RETURN PATH DATA MEDIA DEVICES - Methods, apparatus, systems, and articles of manufacture for reconciliation of commercial measurement ratings for non-return path data media devices are disclosed. Example apparatus disclosed herein are to estimate unreported addressable impressions for a plurality of unreported households for an addressable advertisement based on an impressions adjustment ratio of served reportable addressable impressions to exposed reported addressable impressions included in impressions data associated with reported households. Disclosed example apparatus are further to calculate at least one of reach or frequency for the addressable advertisement to account for non-reporting devices, the at least one of the reach or the frequency determined based on the exposed reported addressable impressions, the estimated unreported addressable impressions, and the impressions adjustment ratio. | 2022-08-25 |
20220270128 | CONSTRAINT-BASED OPTIMIZATION - Systems and methods for constraint-based optimization, comprising: an AI demand forecasting engine, an optimization engine, a user-defined objective, and a user-defined set of constraints. Using historical sales data, the AI demand forecasting engine generates a plurality of entities, each entity defined by a placement of an item in a promotion platform; and forecasts the objective associated with each entity. The optimization engine generates a plurality of plans, each plan consisting of a unique subset of entities. Plans that violate at least one constraint are eliminated by the optimization engine, leaving a set of candidate solutions. An optimum plan is selected from the set of candidate solutions based on maximization of the objective. | 2022-08-25 |
20220270129 | AUTOMATIC DATA INTEGRATION FOR PERFORMANCE MEASUREMENT OF MULTIPLE SEPARATE DIGITAL TRANSMISSIONS WITH CONTINUOUS OPTIMIZATION - In one embodiment, a method includes obtaining, from a demand-side platform (DSP), impression data specifying service providers and consumer tokens representing consumers who have received digital impressions of a set of advertising campaigns. A set of tokenized claims data records related to a prescription of a product is then received from a database server. A result set of integrated measurement records specifying measured campaigns linking the tokenized claims data records with impression data associated with consumer tokens and/or service provider identifiers is further received from the database server. Aggregated analytics reports based on the integrated measurement records are generated and presented. A machine learning model may be trained using a training dataset comprising features selected from the impression data and tokenized claims data records, to predict bid values or other parameters for use in updating, optimizing or modifying operation of the DSP for the original campaign or for other campaigns. | 2022-08-25 |
20220270130 | METHOD FOR EVALUATING ADVERTISING EFFECTS OF VIDEO CONTENT AND SYSTEM FOR APPLYING THE SAME - The disclosure is related to a method and system for evaluating advertising effects of video content. The evaluation method includes presenting video content including a character to a viewer through a display, extracting pieces of facial micro-movement data (MMD) of the character in the video content and the viewer, while the viewer watches the video content, calculating a similarity of the MMD of the character and the MMD of the viewer, and calculating an advertising effect score of the video content on the basis of the similarity. | 2022-08-25 |
20220270131 | TRACKING ADVERTISEMENTS USING A SINGLE URL WITHOUT REDIRECTION - Methods, systems, and computer storage media are provided for tracking an advertisement based on the advertisement's context. When an ad event is received on a client-computing device, a single URL is determined to display an item and track a context of the ad event. A first parameter related to the ad event is encoded as a HTTP header, and a second parameter related to tracking the ad event is encoded as a query parameter appended to the URL. The URL with the HTTP header is called, causing a domain server named in the URL to extract the first parameter from the HTTP header and the second parameter from the query parameter in order to determine the context of the ad. The domain server asynchronously requests tracking of the ad based on the context. Additionally, content for a landing page is received from the domain server. | 2022-08-25 |
20220270132 | INTERCEPTING INADVERTENT CONVERSATIONAL DISCLOSURE OF PERSONAL INFORMATION - By intercepting a natural language communication of a protected party, the communication is monitored, wherein the protected party is a human being. Within the monitored communication using a natural language processing engine, a natural language interaction between the protected party and a second party is detected. To determine an interaction pattern, the natural language interaction is analyzed. The interaction pattern includes data derived from the monitored communication, metadata of the protected party, and metadata of the second party. Using the interaction pattern and an interaction behavior model, an adverse result of the natural language interaction is predicted, wherein the adverse result comprises an economic loss to the protected party. By notifying the protected party, the predicted adverse result is intercepted. | 2022-08-25 |
20220270133 | LOCATION BASED ADVERTISING SYSTEMS - Two directional data exchange between a mobile navigation system and a listing system enables pricing models and analytics that are responsive to trips initiated in response to location based listings on the navigation system. The data exchange may include information to present the listing to the user, track whether the user elected to begin navigating to the destination based on that listing, intermediate status as the user progresses towards the destination, and an indication that the user arrived at the location. The data may be used to evaluate the effectiveness of the listing in bringing customers to a physical location associated with the listing. The data may be applied in a performance-based pricing model by which pricing for the listing is based in full or in part on the number of trips initiated and/or completed as a result of the listing. | 2022-08-25 |
20220270134 | ELECTRONIC DETERMINATION OF VIEWERSHIP BY A VEHICLE OF A MEDIA CONTENT - A method and system of determining a viewership of a media content includes displaying a media content on an outward display device. For each vehicle in a predetermined range of the outward display device, a data packet comprising data from one or more sensors of the vehicle is received. It is determined whether the vehicle is unique based on the data packet. Upon determining from the data packet that the vehicle is unique, a dwell time of the vehicle is determined with respect to the displayed media content on the outward display device. | 2022-08-25 |
20220270135 | Autonomous Self-Driving Vehicle with Advertising Platform - A self-driving vehicle with an external advertising platform, such as video display signage, designed to provide on-demand video ever-changing advertising. The audiences of such advertisements would include those individuals that were in proximity to the self-driving vehicle as it traversed a geographic area. A large fleet of such self-driving vehicles could constantly move between targeted areas, including suburban neighborhoods to reach a maximum audience, without the need of a human operator. | 2022-08-25 |
20220270136 | PERSONALIZED ADVERTISEMENT AND CHECKOUT SYSTEM AND METHOD - A personalized advertisement and checkout system and method for generating personalized merchant advertisements to specific device users includes a communications network, an advertisement system, at least one merchant administrator operable by a respective merchant user, at least one partner system and at least one user device operable by a respective device user. Each of the advertisement system, the merchant administrator, the partner system and the user device includes a processor and a memory in communication with the processor. Each of the merchant administrator and the user device includes a display and a user interface, the user interface of the merchant administrator receiving input from the respective merchant user and the user interface of the user device receiving input from the respective device user. The advertisement system ranks merchant campaigns entered by the merchant users and generates a list of merchant offer advertisements that is displayed on the user device. | 2022-08-25 |
20220270137 | PERSONALIZED ADVERTISEMENT AND CHECKOUT SYSTEM AND METHOD - A personalized advertisement and checkout system and method for generating personalized merchant advertisements to specific device users includes a communications network, an advertisement system, at least one merchant administrator operable by a respective merchant user, at least one partner system and at least one user device operable by a respective device user. Each of the advertisement system, the merchant administrator, the partner system and the user device includes a processor and a memory in communication with the processor. Each of the merchant administrator and the user device includes a display and a user interface, the user interface of the merchant administrator receiving input from the respective merchant user and the user interface of the user device receiving input from the respective device user. The advertisement system ranks merchant campaigns entered by the merchant users and generates a list of merchant offer advertisements that is displayed on the user device. | 2022-08-25 |
20220270138 | SYSTEMS AND METHODS FOR PROVIDING TARGETED CONTENT ACROSS USER CHANNELS - A method of providing targeted content across user channels includes receiving a plurality of device activity events on a user device, storing the received plurality of device activity events, creating an audience population based on the stored device activity events, determining links for additional secondary user devices based on the user device, creating a cross-channel advertising campaign targeting the determined audience population, and running the cross-channel advertising campaign based on the device activity and the determined additional secondary user devices | 2022-08-25 |
20220270139 | System Architecture and Methods for Online Real-Time Auctions of Advertising Inventory - System architecture and methods for enabling an online real-time auction (either server-side or client-side) of advertising inventory that works in conjunction with ad serving technologies. In some implementations, the system architecture facilitates multiple parallel requests from an end-user's browser client to multiple real-time bidders who respond with a bid and advertisement that are sent to an ad serving system to be compared with other statically priced advertisements and exchange demand to determine the winning advertisements that will be displayed to the end-user. Data is aggregated for each bid and price limits are set based on the aggregations. In other implementations, all the bids from the multiple bidders are passed to the publisher for selection of a bid by the publisher. | 2022-08-25 |
20220270140 | USER CUSTOMIZABLE WEB ADVERTISEMENTS - A system and method of providing user customizable web advertisements are disclosed. In some embodiments, the system may include a non-transitory, computer-readable medium storing computer-executable instructions and one or more processors. When the one or more processors execute the computer-executable instructions, the processors may be configured to receive a customizable advertisement, the customizable advertisement having at least one customizable portion. When a customizable portion is selected, the one or more processors may display a plurality of customization options for the at least one customizable portion. The one or more processors may be further configured to receive a selection of a customization option from the plurality of customization options. The one or more processors may then apply the selected customization option to the customizable portion of the customizable advertisement. Afterwards, the one or more processors may then display the customizable advertisement with the selected customization option. | 2022-08-25 |
20220270141 | AUTOMATED IMAGE ADS - A system for generating an advertisement is provided. The system may receive an advertisement request from a client device and select an advertisement from a database in response to the advertisement request. The system may identify an advertiser web server associated with the advertisement, for example a landing page. The system may retrieve a picture from the advertiser web server and integrate the picture with the advertisement to generate an enhanced advertisement. The system may serve the enhanced advertisement to the client device. | 2022-08-25 |
20220270142 | Intermediary technology for online marketing - Among other things, advertisements are received for brands or products of brands. Criteria for placement of the advertisements are received at online retail sites. The online retail sites are controlled independently from one another. Inventory data for the products at the online retail sites is received and stored. Data about propensities of the consumers to favor one or more of the brands or one or more products of the brands, from activities of consumers on the online retail sites, is stored. Activity data about current activities of the consumers on the online retail sites is received. One or more of the advertisements are placed on pages served to the online retail sites based on the placement data, the inventory data, the propensity data, and the activity data. Conversion data is received indicating that consumers engaged in conversion events with respect to products associated with the brands or products of brands being advertised. The brands are charged based on the placing of the advertisements and the conversion events. The online retail sites are paid for the placing of the advertisements and the conversion events. | 2022-08-25 |
20220270143 | PLATFORM FOR ESTABLISHING CONNECTIONS FOR ON-LINE ADVERTISING - A platform and method for streaming live advertising provides user access to streaming content and coordinates collaboration between a host, who directs a sales presentation, a presenter, provides the sales presentation of a product under direction by the host, and a supplier of the product. The platforms provides a link between the different entities to select from, negotiate, and establish a collaboration with other entities for generating streaming content for advertising a supplier's product, then schedules a time slot for a streaming event and distributes the streaming content to consumer devices for display to prospective consumers. | 2022-08-25 |
20220270144 | SYSTEM AND METHOD FOR ZERO-STEP PROXIMITY DETECTION AND PRIVATE MATCHMAKING USING MOBILE DEVICE LOW EMISSIONS BEACONS - A system and methods for zero-step proximity detection and private matchmaking using mobile device low emissions beacons, which uses user mobile devices, a single or plurality of BLUETOOTHâ„¢ low-emissions (BTLE) beacons, a network, a server, and an application that may operate separately on a mobile device and the single or plurality of BLUETOOTHâ„¢ low-emissions (BTLE) beacons, which calculates the proximity between two or more users, which allows users to be alerted to other users in their proximity, and which provide a means for verifying and managing meetups between two or more users of the mobile devices. | 2022-08-25 |
20220270145 | END-TO-END FOOD DELIVERY ECOSYSTEM - An online delivery ecosystem enabling buyers/delivery personnel to purchase grocery, restaurants, and other prepared foods on behalf of customers and check out using a mobile application, bypassing traditional person checkout systems, and storing this transaction information to blockchain based systems as immutable systems of record. | 2022-08-25 |
20220270146 | MACHINE LEARNING ANNOTATION AND IMAGE MARKETPLACE USING BLOCKCHAIN LEDGERS - A method, a computer system, and a computer program product for marketplace creation and model training in a blockchain network is provided. Embodiments of the present invention may include uploading images to a marketplace. Embodiments of the present invention may include recording references to the images on a blockchain ledger. Embodiments of the present invention may include measuring local and global annotations. Embodiments of the present invention may include determining an image quality threshold has been met. Embodiments of the present invention may include providing an annotation quality metric to the marketplace. Embodiments of the present invention may include pre-processing and standardizing the images. Embodiments of the present invention may include training a model. Embodiments of the present invention may include recording the model in the blockchain ledger. Embodiments of the present invention may include providing the model to the marketplace. | 2022-08-25 |
20220270147 | SYSTEM AND METHOD FOR STREAMLINING A CHECKOUT PROCESS OF E-COMMERCE WEBSITES - System and method to streamline the checkout process of e-commerce websites is disclosed. The processing subsystem includes a web crawler to browse the e-commerce websites, a website analysis module to analyze checkout data entry forms and web UI of the corresponding e-commerce websites browsed by the web crawler. The processing subsystem includes a classification module to classify the checkout data entry forms into fields based on a form data model. The classification module maps user information with classified fields using a natural language mapping technique to obtain a mapped model. The processing subsystem includes a fingerprinting module to fingerprint configurations and checkout pages of the corresponding e-commerce websites to obtain fingerprinting data. The processing subsystem includes a checkout processing module to generate a one-click checkout flow for an e-commerce website selected from the e-commerce websites. The one-click checkout flow is generated based on the fingerprinting data and the mapped model. | 2022-08-25 |
20220270148 | SYSTEM AND METHOD FOR IN STORE REQUEST ASSISTANCE - A service request assistance system. A service request server includes a processor, a network interface, and memory, the processor having executable instructions to facilitate wireless data communication through the network interface with a plurality of customer handheld data devices and a plurality of employee handheld data devices. Each of the plurality of the customer handheld data devices includes a customer device processor running a customer device application. Each of the plurality of the employee handheld data devices includes an employee device processor running an employee application. The processor is configured to receive a plurality of customer requests. The processor is configured to distribute the plurality of customer requests to a plurality of employee handheld data devices, each of the plurality of employee handheld data devices displaying a request queue, the request queue being a visual representation of the plurality of customer requests. | 2022-08-25 |
20220270149 | Connector Configurator - A connector configurator includes a connector configuration system and a customer connected to the connector configuration system. The connector configuration system has a configuration processor and a configurator module executable by the configuration processor. The customer has a display. The customer accesses the configurator module to receive a plurality of interface data displayed on the display. The customer transmits selections of the interface data to the connector configuration system to create a configured connector using the configurator module. The configurator module displays the configured connector on the display based on the transmitted selections of the interface data. | 2022-08-25 |
20220270150 | SYSTEMS AND METHODS TO SUPPORT CUSTOM BUNDLING OF VIRTUAL ITEMS WITHIN AN ONLINE GAME - Systems and methods to support custom bundling of virtual items within an online gaming platform are disclosed. Exemplary implementations may: facilitate entry and/or selection of virtual items that are owned by a first user; initiate bundling of the virtual items into a custom item bundle; create a digital asset that represents rights pertaining to the custom item bundle; record the digital asset of a decentralized ledger; transfer to rights to other users; distribute amounts of consideration to the user who owns particular rights pertaining to the custom item bundle. | 2022-08-25 |
20220270151 | Supplementing an Image Gallery with Status Indicators - In various example embodiments, a system and method to provide status indictors on an image galley is disclosed. At least one item to be displayed in an image gallery on a client device is identified. Once identified, status information for the item is obtained. Subsequently, gallery rendering and display instructions are generated and transmitted to the client device. The rendering and display instructions include the status information and enables generation of status indicators from the status information for display over the image gallery at the client device. The rendering and display instructions may also include instructions for displaying the image gallery. The status information at the client device may be updated as status information changes. | 2022-08-25 |
20220270152 | ITEM CONTRASTING SYSTEM FOR MAKING ENHANCED COMPARISONS - Techniques are provided herein for identifying contrasting items based on a target item and presenting each of the target item and contrasting items together to a user. The target item may be any item that is of interest to the user. The contrasting items are identified using a system that compares features of the items together and also considers historical user data associated with the items. Natural language processes are used to label and identify salient portions of the catalog data for the items. Historical user data between items may be determined based on one or more documented event actions that occur with regards to co-viewing the items in some fashion. Both the historical user data and catalog comparisons between items are combined to determine a similarity score or metric between items. Items having highest similarity scores with the target item within a same cluster or group are presented. | 2022-08-25 |
20220270153 | METHOD, ELECTRONIC DEVICE, AND NON-TRANSITORY COMPUTER-READABLE RECORDING MEDIUM FOR PROVIDING INFORMATION ON ITEM - A method of providing information on or regarding a product in an electronic device according to various example embodiments of the present disclosure may include identifying detailed information on a first product in response to a request on a first page for the first product, identifying, when the first product is included in a specific category, at least one second product corresponding to the specific category, identifying at least one attribute list corresponding to the specific category, and, providing the first page, wherein the first page includes detailed information on the first product displayed in a first portion, first attribute information of the first product corresponding to the attribute list and displayed in a second portion, and second attribute information of the at least one second product corresponding to the attribute list and displayed in a third portion corresponding to the second portion. | 2022-08-25 |
20220270154 | SYSTEM AND METHOD FOR GENERATING PURCHASE RECOMMENDATIONS BASED ON GEOGRAPHIC ZONE INFORMATION - Embodiments provide computer apparatuses, computer systems and computer-executable methods for recommending a commercial item or entity to a consumer based on geographic zone data. The method includes receiving a first predetermined geographic zone, a first importance score associated with a consumer for the first predetermined geographic zone, and a second importance score associated with a commercial item or entity for the first predetermined geographic zone. The method also includes programmatically generating an overlap score based on the first and second importance scores, and programmatically generating a relevancy score based on the overlap score, the relevancy score indicating a probability that the commercial item or entity is of relevance to the consumer. The method further includes, based on the relevancy score, transmitting instructions to a computing device associated with the consumer to cause the computing device to render a representation of the commercial item or entity. | 2022-08-25 |
20220270155 | RECOMMENDATION WITH NEIGHBOR-AWARE HYPERBOLIC EMBEDDING - A recommendation system generates recommendations for user-item pairs based on embeddings in hyperbolic space. Each user and item may be associated with a local hyperbolic embedding representing the user or item in hyperbolic space. The hyperbolic embedding may be modified by neighborhood information. Because the hyperbolic space may have no closed form for combining neighbor information, the local embedding may be converted to a tangent space for neighborhood aggregation information and converted back to hyperbolic space for a neighborhood-aware embedding to be used in the recommendation score. | 2022-08-25 |
20220270156 | METHOD AND ELECTRONIC DEVICE FOR SHARING INFORMATION RELATED TO ITEM - According to various example embodiment of the present disclosure, a method of sharing item information by an electronic apparatus includes acquiring a request for link information related to at least one item from a user, acquiring first selection information related to an attribute of the link information, and providing link information on a first page including information related to the at least one item based on the request for the link information and the first selection information, in which the link information may include information related to the attribute. | 2022-08-25 |
20220270157 | DETECTING AND IDENTIFYING MISPLACED ITEMS USING A SENSOR ARRAY - An object tracking system that includes a sensor and a tracking system. The sensor is configured to capture a frame of at least a portion of a rack within a global plane for a space. The tracking system is further configured to receive the frame, to determine a pixel location for the first person, and to determine a person is within the predefined zone associated with the rack. The tracking system is further configured to identify the plurality of items in a digital cart associated with the person, to identify an item from the digital cart associated with the first person, and to remove the identified item from the digital cart associated with the person. | 2022-08-25 |
20220270158 | ORDER MANAGEMENT DEVICE, INFORMATION PROCESSING METHOD, AND ORDER PROCESSING SYSTEM - An order management device is connectable to a store station device and order receiving servers operated by an order receiving agent for sending customer orders to a store. A processor of the order management device acquires first order data in different formats from the plurality of order receiving servers then generates corresponding second order data in a format matching a data format used by the store station device. The second order data is then transmitted to the store station device via a communication interface. The processor also sends a preparation completion notice to an order receiving server after receiving a notice of completion of preparation work from the store station device. | 2022-08-25 |
20220270159 | SYSTEMS AND METHODS FOR PROCESSING ELECTRONIC REQUESTS - Disclosed herein are embodiments of systems, methods, and products comprises an analytic server for aggregating and displaying all the electronic requests on one merchant device. The analytic server receives a plurality of electronic messages corresponding to a plurality of electronic requests from a plurality of service provider computers. The analytic server executes an extraction protocol to extract the order data within each electronic messages and stores the extracted data into a database. The analytic server generates a machine-readable file for each merchant comprising all the order records for the same merchant received from different third-party service provider computers. The analytic server transmits the machine-readable file to the merchant computing device, which populates a GUI according to the machine-readable file. Because all the orders are in one spot, the merchant may manage the orders, perform statistical calculations, and generate sales reports more efficiently. | 2022-08-25 |
20220270160 | METHODS AND SYSTEMS FOR ELECTRONIC COMMERCE ORDER MANAGEMENT - A computer-implemented method and system may include receiving, at an e-commerce order processor, an order comprising at least one product, wherein the order is received in conjunction with an order completion event; receiving an order completion criterion; receiving an order change; and processing an order completion based on the order completion criterion. | 2022-08-25 |
20220270161 | SYSTEM AND METHOD FOR AN ELECTRONIC MENU - An electronic menu system. The system includes a reservation server comprising memory storing customer information, a network interface, and a processor configured to communicate with a handheld data device via the network interface. The handheld data device includes an imaging engine comprising a digital camera being in data communication with facial recognition software. A search engine is in data communication with the memory of the reservation server. A query engine retrieves a plurality of questions from the memory of the reservation server and displays a plurality of questions on a touch screen display. A display engine displays a custom menu, the custom menu being compiled in part based on an answer from a customer to one or more of the plurality of questions and in part from the customer information. | 2022-08-25 |
20220270162 | COMPUTING DEVICES AND SYSTEMS FOR SENDING AND RECEIVING A DIGITAL GIFT USING A VOICE INTERFACE - Composing messages and receiving messages using text is time consuming and can lose meaning for recipients. Systems and methods are provided to generate a digital gift. A digital gift wrapper is used to precede the digital gift. A gift recipient interacts with the digital gift wrapper and the digital gift using a voice interface. The digital gift includes, for example, both audio and visual data. A physical gift is also generated and sent in a coordinated manner with the digital gift. | 2022-08-25 |
20220270163 | Mobile Application with Dynamically Changing UX/ UI for Connected Devices - This invention relates generally to mobile computing devices such as personal digital assistants (PDAs), cellular phones, pagers, and the like, and more specifically, a system and method to automatically optimize and enhance user interface and user experience based on a signal received from a device embedded to wearable devices. An improved system, method and computer-readable instructions for dynamic user interface including computer program products, for dynamic user interface customization. A set of functions for a user interface is stored, each function comprising a function that can be added to the user interface. A first-set of data is transmitted to a user device that causes the user interface to be displayed on the user device. User's interface is based on indicative data received from the primary device. A second-set of data is transmitted to the user device that causes the user interface to dynamically change as per user's preference. | 2022-08-25 |
20220270164 | Interface to Enable Integrating an Artificial Intelligence (AI) Order Taking System with Different Types of Point of Sale (POS) Terminals - In some examples, a server may receive, by a menu manager executing on the server, a menu having a particular format from a point-of-sale (POS) terminal and parse the menu to create a parsed menu. The menu is parsed using POS data indicating a formatting of the menu. The server automatically converts the parsed menu into multiple menu items, stores the multiple menu items in a menu item database, and creates a mapping database that includes pricing data, pronunciation data, and voice tags associated with individual menu items of the multiple menu items. The server provides multiple software agents access to the mapping database and instructs individual software agents of the one or more software agents to initiate a conversation with a customer to receive a voice-based order. The individual software agents comprise an instance of an artificial intelligence engine. | 2022-08-25 |
20220270165 | AUTONOMOUS VEHICLE MANAGEMENT DEVICE - When a rental user schedule management unit (general user schedule management unit) receives, from a general user (rental user) different from the priority user that is a lease contractor, a general usage request for a predetermined autonomous vehicle in which a time zone excluding a priority usage time zone is specified, the rental user schedule management unit set the time zone specified by the general usage request as a general usage time zone. | 2022-08-25 |
20220270166 | ELECTRONIC AUCTION PLATFORM WITH MULTI-LOT, MULTI-BUYER AUCTIONS - Systems, methods, and computer-readable media for conducting multi-lot, multi-buyer auctions on electronic auction platforms are provided. | 2022-08-25 |
20220270167 | PEER-TO-PEER CASH UBERING - The present disclosure describes methods and systems for a new online cash withdrawal service based on a peer-to-peer transaction model. By ubering a pool of special users and allowing flexible transaction locations, the new methods and systems eliminate the need for banks and ATMs and allow people to withdraw real cash conveniently anytime and anywhere. The venues where the transactions are carried out can be any public or private places both parties agree upon. The cash can be provided by both registered businesses and individuals, as well as other entities. The present disclosure makes cash withdrawal a lot easier, at lower costs, and eliminates withdrawal limits and many existing constraints from banks and financial organizations. It further reduces cross-border cash withdrawal costs and waiting times. You can withdraw cash in an area in which you do not even have a bank account. This system also allows for ubering users to make commissions by serving the platform through trades, which incentivizes those users to be active and keep the platform running efficiently even if enough regular users are not trading. | 2022-08-25 |
20220270168 | SYSTEMS AND METHODS FOR INTELLIGENT ELECTRONIC RECORD MANAGEMENT - Intelligent electronic record management is described herein. A service provider can receive, via a payor user interface, electronic records associated with a payor. The service provider can recommend, using a machine-trained model, that a payment associated with a first electronic record be paid using a first form of payment. The service provider can settle the payment associated with the first electronic record using the first form of payment. The service provider can additionally settle a payment associated with a second electronic record using a second form of payment recommended for payment of the second electronic record. | 2022-08-25 |
20220270169 | Market Trading System in Graphical User Interface Therefore - A computer implemented method, computer system, and computer program product display market transactions in a graphical user interface. A market transaction system identifies a selected market and a market session displayed in a first region of the graphical user interface. In the first region of the graphical user interface, the market transaction system displays transactions for market participants in the selected market over the market session. The transactions submitted by each market participant are separately displayed from those of other market participants. In a second region of the graphical user interface, the market transaction system may display a number of reports that are relevant to the selected market. The market transaction system subscribes a user to a report in response to receiving the user's selection of the report from the second region of the graphical user interface. | 2022-08-25 |
20220270170 | SYSTEM AND METHOD FOR NATURAL LANGUAGE ORDER FILL - Various methods, apparatuses/systems, and media for implementing a natural language order fill module are disclosed. A database stores data corresponding to trade details of a particular trade. A processor is operatively coupled to the database via a communication network. The processor configures a free-form text box to receive user input data corresponding to the trade details (e.g., abbreviations data, varying sentence syntax data, special characters data and details data, etc.) of the particular trade; implements neural networks algorithm to interpret and extract key trade details data from the receive user input data corresponding to the trade details of the particular trade regardless of text structure of the input data; and automatically fills in corresponding trading ticket fields in real-time based on the extracted key trade details data. | 2022-08-25 |
20220270171 | Methods and Systems for Low Latency Automated Trading Using an Aggressing Strategy - Disclosed herein are automated trading engine embodiments that operate on market data and re-engineer trading logic to operate on computational resources that are capable of providing highly parallelized and pipelined processing operations to improve tick to trade latency. As an example, logic resources for the automated trading engine can implement aggressing strategies to place aggressing orders on markets when defined conditions are met. Further still, the aggressing strategies can be driven by low latency derivative pricing. | 2022-08-25 |
20220270172 | Financial plan using event layers - A method of financial planning in which a financial model is created on a portable multifunction device. A financial database is created from User income, expenses, assets and liabilities and automated financial formulas are applied. Projects future cash flow and net worth. | 2022-08-25 |
20220270173 | SYSTEM AND METHOD FOR AUTOMATICALLY OPTIMIZING A PORTFOLIO - There is provided a computing device, systems and methods for automatic generation of a portfolio. The computing device receives an index comprising index holdings and characteristics. The device then automatically projects the index to a target index providing a proforma benchmark characterizing a future state of the index holdings. The target index is based on expected future events impacting the index and includes a list of projected constituents, characteristics defining each of the constituents. The computing device predicts, using a machine learning model, a liquidity score associated with each of the constituents, the liquidity score for a particular constituent based on prior liquidity scores for other constituents in a past time period with one or more similar characteristics to the characteristics of the particular constituent. In response, an optimized portfolio is generated providing an optimized set of constituents with associated weighting tracking the target index. | 2022-08-25 |
20220270174 | Total Financial Management System - The present invention relates to a computer implemented financial management application which is installed in an electronic device and allows a customer to manage a complete financial portfolio easily and conveniently. The application allows users to view, track, allocate and communicate all financial assets across multiple accounts with any financial institution simultaneously in a single place to easily manage the total financial portfolio. The application accesses multiple financial platforms for simultaneous, real-time updates. The application uses two or more payment networks, debit networks, or a wire transfer of two or more financial institutions and/or insurance institutions to perform the transfer and allocation of funds. The application provides recommendations, graphs, and charts that summarize the financial portfolio and are updated in real time along with the asset allocation. The application provides for a two-factor authentication for logging in to the application. | 2022-08-25 |
20220270175 | SYSTEM AND METHOD FOR MANAGING DATA FOR DELIVERING A PRE-CALCULATED DEFINED INVESTMENT OUTCOME IN AN EXCHANGE-TRADED FUND - A computer-based apparatus for managing data based on performance of an underlying securities index including a memory element of a computer configured to store computer executable instructions and a processor for the computer, configured to execute the computer readable instructions to receive information on a lower buffer threshold against losses for an investment, and determine a total return on the investment during an outcome period o, wherein the total return is adjusted to fall above the buffer threshold. | 2022-08-25 |
20220270176 | Data Processing Systems with Machine Learning Engines for Dynamically Generating Risk Index Dashboards - Methods, computer-readable media, software, and apparatuses include receiving, from a plurality of risk information sources, risk information associated with a user account, wherein the risk information includes a plurality of risk components, determining, for each of the plurality of risk components, an impact score and a risk probability by applying a machine learning model to risk information associated with the user account, generating an interactive risk index dashboard including a plurality of interactive risk index elements, wherein each of the plurality of interactive risk index elements is associated with a risk component of the plurality of risk components, and displaying, on the display of the apparatus, the interactive risk index dashboard, wherein each of the plurality of interactive risk index elements is displayed in a portion of the interactive risk index dashboard in accordance with a respective determined impact score and risk probability. | 2022-08-25 |
20220270177 | SELECTIVELY SHARED VEHICLE-BASED TELEMATICS - Methods, computer-readable media, software, and apparatuses include activating a telematics system to collect telematics data associated with operation of a vehicle during a first window of time, receiving, by a computing device associated with the vehicle, telematics data from the telematics system during the first window of time, identifying one or more parameters associated with operation of the vehicle based on analyzing the telematics data, determining whether the one or more parameters meets a safe driving threshold, and upon determining that the one or more parameters meets the safe driving threshold, transmitting the telematics data to a third party server or device. | 2022-08-25 |
20220270178 | HOLISTIC DIGITAL CLAIMS PLATFORM MANAGEMENT - A system for generating personalized recommendations for situations facing a user holding an insurance policy and providing dynamic user interfaces via an insurance platform is disclosed. The system can receive information regarding the situation and can access databases of information regarding past situations associated with the user and/or other, similar users to identify service providers that are equipped to address the situation. | 2022-08-25 |
20220270179 | SYSTEM FOR FAST COMPOSING, LAUNCH AND CONFIGURATION OF CUSTOMIZABLE SECOND-TIER TRANSFER STRUCTURES WITH BUILD-IN AUDITING AND MONITORING STRUCTURES AND METHOD THEREOF - A digital platform and system that provides an automated, multi-channel, end-to-end risk-transfer configuration and/or parametrization process for configuring, launching, and processing of customized second-tier transfer structures, wherein an automated risk-transfer placement for objects or property assets each having a geographic location related to occurrence of physical impacting risk-events, the objects or property assets impacting events, is provided by the digital platform and system as a first online channel comprising an electronic, parameter-driven, rule-based underwriting process for automatically creating a portfolio or composition of customized second-tier structures. An automated claim handling is provided by the digital platform and system as a second online channel, and automated accounting is provided by the digital platform and system as a third online channel. | 2022-08-25 |
20220270180 | Using a Distributed Ledger to Determine Fault in Subrogation - Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, determining fault as part of the subrogation process. An exemplary embodiment may include receiving an electronic notification of a vehicle collision; receiving sensor data (such as telematics, image, audio, vehicle operational, or other sensor data) related to the vehicle collision; determining a percentage of fault of the vehicle collision for one or more vehicles, vehicle systems, and/or drivers based upon, at least in part, analysis of the sensor data collected; and creating a blockchain for the vehicle collision with one or more links to the sensor image data and an indication of the percentage of fault(s) determined to facilitate blockchain-based claim handling. | 2022-08-25 |
20220270181 | METHODS FOR AUTOMATICALLY DETERMINING INJURY TREATMENT RELATION TO A MOTOR VEHICLE ACCIDENT AND DEVICES THEREOF - A method for automatically determining injury treatment relation to a motor vehicle accident comprises obtaining a plurality of images of a damaged motor vehicle, vehicle data describing the motor vehicle, occupant data describing an occupant who occupied the motor vehicle during the motor vehicle accident, and injury data from an electronic insurance claim associated with the motor vehicle accident, the injury data specifying an injury to the occupant; determining a delta velocity value for the damaged motor vehicle by applying a first machine learning model to the set of images of the damaged motor vehicle and the vehicle data; determining an injury severity score by applying a second machine learning model to the delta velocity value for the damaged motor vehicle, the vehicle data, and the occupant data; and automatically adjudicating the electronic insurance claim. | 2022-08-25 |
20220270182 | SENSOR SYSTEMS AND METHODS FOR EVALUATING ACTIVITY - Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, are generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected. | 2022-08-25 |
20220270183 | Revenue Assurance Systems And Related Methods - A revenue assurance system includes one or more servers coupled with one or more databases and providing a number of displayed fields/selectors on computer interfaces. A business area selection field allows selection of a business area. A first data source field receives selection of a first data source. A first input field receives selection of one or more first data associated with the first data source. An operator field receives selection of a mathematical symbol. A second input field receives a constant or selection of one or more second data. A database query is generated and executed to retrieve data from the database(s), the query defined at least in part by the first data source field, the first input field, the operator field, and the second input field. A graph representatively illustrates the data retrieved by the database query and displays business revenue-related information relevant to the selected business area. | 2022-08-25 |
20220270184 | REVENUE DISTRIBUTION SYSTEM - A computer program product, method, and system for tracking user data across a social network is provided. The product is adapted to receive a native data file having attributes assigned to member name, member connections, and temporal information for the connections. The product assigns a weight value to the attributes in the native data file, creates a derivative data file and derivative structure for display based on the weight value assigned to the temporal information. The method includes distributing revenue received from the system to a group of users according to the distribution schedule. The system includes a computer in communication with a network, a memory, and a processor that executes components stored in the memory. The components include a seller module in communication with a seller database, buyer database, and revenue database; and a promoter module in communication with an item database, member database, and promoter database. | 2022-08-25 |
20220270185 | SURVIVOR ASSAULT MATCHING PROCESS - A survivor assault matching process, including the steps of providing information at a secure website concerning the assault and/or alleged assailant; periodically enquiring whether information provided by other assault survivors matches the information provided by the one assault survivor, and providing an opportunity for the one survivor for possible further action if there is a match. | 2022-08-25 |
20220270186 | System and Method for Determining the Impact of a Social Media Post across Multiple Social Media Platforms - The disclosed embodiments provide a systems and methods to determine the impact of a social media post across multiple social media platforms. In certain embodiments, data provided to the business is granted by the individual's consent in a timestamped, continuous, revocable permission. In certain embodiments, each user's Social Media posts are sent through an NLP module for analysis of the post. Analysis related to detected profanity is sent to the Profanity labeling function and analysis related to toxicity is sent to the Toxicity labeling function. In parallel, the user's post is also sent to the Reach module which determines the reach of the post on each Social Media platform to which the user disseminated the post. An optional Personal Brand modifier may be used where the user can provide demographic details to further assess the impact of the post on the individual's personal brand. The Impact function receives inputs from each of the modules and delivers a score indicative of the impact of that social media post. | 2022-08-25 |
20220270187 | ROBUST AND FAST DESIGN OF ENERGY SYSTEMS CONSIDERING INTRA-HOUR VARIABILITY - The disclosed embodiments combine an energy balance (e.g., averaged energy profiles) with original time series data having smaller time steps to establish an energy balance (e.g., averaged profiles) and a power balance (e.g., smaller time step with original time series data) for a Distributed Energy Resources (DER), microgrid, or other energy system. In an embodiment, a method comprises: solving, with at least one processor, a first optimization problem on time series data related to energy system planning, the first optimization including applying a power balancing framework to the time series data that captures intra-hour variability; and selecting, with the at least one processor, technology assets and sizing for the energy system based on an average hourly and sub-hourly datasets. | 2022-08-25 |
20220270188 | FUTURES MARGIN MODELING SYSTEM HAVING SEASONALITY DETECTION - A physical container (e.g., a battery) may be filled up (charged) or emptied (discharged) with energy commensurate with requirements to post a particular amount of collateral. The disclosure provides computing systems and methods for processing data using a novel combination of wavelet techniques and rolling techniques to more efficiently detect seasonality in particular products (e.g., energy products) to more accurately model and determine collateral/margin requirements. A clearinghouse computing device may be configured to generate a margin requirement for a portfolio of products and may include a processor to process instructions that cause the clearinghouse computing device to perform wavelet decomposition and rolling methods on a historical database of records. | 2022-08-25 |
20220270189 | USING AN IRRELEVANCE FILTER TO FACILITATE EFFICIENT RUL ANALYSES FOR ELECTRONIC DEVICES - Systems and methods are described that estimates a remaining useful life (RUL) of an electronic device. Time-series signals gathered from sensors in the electronic device are received. Statistical changes are detected in the set of time-series signals that are deemed as anomalous signal patterns. Anomaly alarms are generated, wherein an anomaly alarm is generated for each of the anomalous signal patterns. An irrelevance filter is applied to the set of anomaly alarms to produce filtered anomaly alarms, wherein the irrelevance filter removes anomaly alarms associated with anomalous signal patterns that are not correlated with previous failures of similar electronic devices. A logistic-regression model is used to compute an RUL-based risk index for the electronic device based on the filtered anomaly alarms. When the risk index exceeds a risk-index threshold, a notification is generated indicating that the electronic device has a limited remaining useful life. | 2022-08-25 |
20220270190 | SYSTEMS AND METHODS OF SCALING FACILITY TECHNOLOGY ADOPTION - Systems and methods of facility management, and more specifically scaling facility technology adoption, are disclosed wherein data related to a facility are acquired from a plurality of sources, a proposal is generated related to maintaining, upgrading, modifying, etc. the facility and presented to an appropriate decisionmaker. The data underlying proposal comprises historical data, operational data, climate data, installed facility items data, candidate facility items, financial data related to operation, maintenance, etc. Early or rapid adoption of new technology is promoted and/or otherwise facilitated. A service is provided to the facility, and the facility purchases at least a portion of the service as a service-as-a-commodity. The service-as-a-commodity may be exchanged to another facility, or redeemed against providing the service. Purchase, exchange, and redemption of the service-as-a-commodity is managed by use of a pack chain, and may be recorded to a blockchain. | 2022-08-25 |
20220270191 | SYSTEM FOR AUTOMATICALLY SPLITTING SMART CONTRACT - Provided is a system for automatically splitting a smart contract. More particularly, provided is a system for automatically splitting a smart contract, wherein assuming that a blockchain service permits the use of a plurality of blockchains to overcome limitations of security or performance provided by one blockchain, the system splits codes of one smart contract and enables the same to operate in the respective blockchains. | 2022-08-25 |
20220270192 | COMPUTERIZED-SYSTEM AND COMPUTERIZED-METHOD TO CALCULATE AN ECONOMIC FEASIBILITY ANALYSIS FOR AN URBAN PLANNING MODEL - A computerized-system to provide an economic-feasibility-analysis for an urban-planning-model, is provided herein. An economic-viability module, in the computerized-system is operated for: receiving an urban-planning-model; importing the urban-planning-model into a visual programming language and environment; retrieving urban-site-related metadata from the urban-planning-model; according to the retrieved urban-site-related metadata, converting the urban-planning-model, to a parametric model, by a first pretrained machine learning model. The parametric model is having a plurality of model-parameters. Retrieving a preconfigured environment-set-of-parameters of an environment in a preconfigured distance radius from the received urban-planning-model. Forwarding the preconfigured environment-set-of-parameters to one or more economic-calculators. The one or more economic-calculators analyzes the plurality of model-parameters against the environment-set-of-parameters, by a set of rules and a second pretrained machine learning model; generating an economic-feasibility-analysis of the urban-planning-model, based on the analysis of the plurality of model-parameters, against the preconfigured environment-set-of-parameters; and presenting the economic-feasibility-analysis, on a display unit of a computerized-device. | 2022-08-25 |
20220270193 | METHOD FOR PUBLIC UTILIZATION OF HOUSING - The present invention relates to a method for the public utilization of housing, including the steps of: establishing a housing utilization platform wherein a housing utilization platform operated and managed by the utilization housing supplier is opened; disclosing and browsing utilized houses on the established housing utilization platform, allowing the utilization housing supplier to disclose the utilized house and the utilization housing consumer who signed up for membership to browse the disclosed utilized house; and signing a housing utilization contract, based on the results of browsing the utilized house, to conclude a housing utilization contract between a utilization housing supplier and a plurality of utilization housing consumers, respectively, thereby creating stable profit for the housing supplier and proving residential stability and the convenience of free housing relocation for the housing consumer. | 2022-08-25 |
20220270194 | CROSS CONTAMINATION IN PRODUCT DETECTION AND REMEDIATION TECHNIQUES - A method, computer system, and a computer program product for product safety is provided. The present invention may include mapping one or more products within a smart container by identifying each of the one or more products and determining a location for each of the one or more products. The present invention may include determining a safety level for each of the one or more products. The present invention may include determining a recommended location to store a new product within the smart container based on a safety confidence score, wherein the safety confidence score is determined based on at least the safety score of the one or more products within the smart container, the safety score of the new product, and a machine learning model. The present invention may include displaying the recommended location to a user. | 2022-08-25 |
20220270195 | Identity Verification System and Method - A computer-implemented method, computer program product and computing system for defining a plurality of identity verification parties for a user; and engaging each of the plurality of identity verification parities to generate at least one verification item for the user, thus defining a plurality of verification items; wherein the plurality of verification items are configured to enable the verification of the identity of the user. | 2022-08-25 |