43rd week of 2017 patent applcation highlights part 55 |
Patent application number | Title | Published |
20170308875 | SYSTEMS AND METHODS FOR INITIATING PAYMENTS IN FAVOUR OF A PAYEE ENTITY - A system and method for initiating payments in favour of a payee entity are provided. In a method conducted at a payment processor, an account creation request, the request including an identifier of a consumer is received from a payee entity. A financial account is registered for the payee entity in association with the consumer identifier and a consumer-specific account identifier of the financial account is provided. The consumer-specific account identifier is linked to the payee entity and consumer identifier and transmitted to a communication device of the consumer directly or via the payee entity so as to permit the consumer to initiate a payment in favour of the financial account of the payee entity by generating a transaction request message including the consumer-specific account identifier. | 2017-10-26 |
20170308876 | BUNCH DOCUMENT RECYCLER - A method of processing a mixed bunch of banknotes and checks in a recycling self-service terminal is described. The method comprises: receiving a bunch of documents; recognizing each document from the received bunch; for each banknote recognized from the received bunch, validating the authenticity of that banknote; for each check recognized from the received bunch, extracting financial information from that check; and notifying a customer of the total value of the deposited bunch. A document validator, and a self-service terminal including the document validator, are also described. | 2017-10-26 |
20170308877 | AUTOMATIC TELLER MACHINE - An automatic teller machine includes a first interface unit, a second interface unit, a front panel and a control unit. The first interface unit is configured to display financial information for financial transaction to a user. The second interface unit is disposed in a region different from a region in which the first interface unit is disposed. The second interface unit has a plurality of operation parts to be operated by the user. The front panel is movable to a first position in which the operation parts are hidden from the outside of the automatic teller machine and a second position in which the operation parts are exposed to the outside of the automatic teller machine. The control unit is configured to control the front panel so as to be located in one of the first position and the second position. | 2017-10-26 |
20170308878 | MOBILE PAYMENT SYSTEM WITH CONNECTED DEVICE AND MOBILE PAYMENT METHOD - The present disclosure provides a mobile payment system and a mobile payment method. The mobile, payment system includes an e-commerce platform, a connected device and a mobile device. The connected device has a display, the display is configured to show a multimedia content, the multimedia content includes at least a predetermined pattern, and the predetermined pattern corresponds to a virtual goods. The mobile device has an image-capturing device, and the image-capturing device is configured to capture the predetermined pattern from the display, such that the mobile device can obtain buying information on the virtual goods based on the predetermined pattern, so as to process an instant online transaction of the virtual goods through the e-commerce platform. | 2017-10-26 |
20170308879 | System and Method for Providing Access to Streaming Multimedia Content to Devices From Servers - A method for delivery of primary media content in digital form is provided. The method includes establishing a communications link between a client computer and a server, where the client computer has storage. The establishing of the communications link includes authorization of user information. The method further includes receiving a request for a media among primary media content accessible to the server. The server associating the request with the user information maintained in a customer database that is accessible to the server. The user information is used to authorize access to specified content from among said primary media content for the user based on the user information in the customer database. The method also determines that the requested media is authorized for use by the user based on the user information. The method then streams the media to the storage of the client computer upon receiving a play request. The media received by streaming is configured for rendering on a display screen. The streaming data is one or more of video data including motion picture content, game data, music data, or combinations of two or more thereof. | 2017-10-26 |
20170308880 | IDENTIFYING TRANSACTIONS AT SELF-CHECKOUT TERMINALS - A method and system include identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product; generating a self-checkout terminal indicator; receiving, by a computer from the merchant device, a payment authorization request for the purchase transaction, wherein the payment authorization request comprises payment data and the self-checkout terminal indicator; and transmitting information associated with the self-checkout terminal indicator to an issuer. Numerous other aspects are provided. | 2017-10-26 |
20170308881 | METHOD, SERVERS AND SYSTEM FOR DOWNLOADING AN UPDATED PROFILE - A method for downloading an updated profile includes a) receiving by a first server an enrolment request with a subscriber identifier, b) receiving by a second server data for provisioning the second server for the subscriber, c) receiving by a third server a command for downloading an updated profile accompanied with the subscriber identifier and an profile identifier, d) sending from the third server to the second server a request for at least one data update accompanied with the subscriber identifier, e) sending from the second server to the third server the data update, f) associating by the third server the data update and a profile, g) sending from the third server to the device or a chip the associated updated profile, i) activating by the device the associated updated profile, and j) sending to the second server a message that the associated updated profile is activated. | 2017-10-26 |
20170308882 | PAYMENT TERMINAL SYSTEM AND METHOD OF USE - A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor. | 2017-10-26 |
20170308883 | TOKEN-BASED SECURITY PROCESSING - A user is authenticated for a session with a server, the server generates a unique session token valid during an active session with the server. Valid outstanding transactions for the active session are presented to the user. A selected outstanding transaction is provided to a Self-Service Terminal (SST) with the unique session token. The SST validates the unique session token and the selected outstanding transaction with the server. Upon confirmation from the server, the SST completes the selected outstanding transaction at the SST. | 2017-10-26 |
20170308884 | PAYMENT DEVICE, PAYMENT SYSTEM AND PAYMENT METHOD - A payment system, comprising: a receipt apparatus; a payment apparatus, the payment apparatus being connected to the receipt apparatus by means of electromagnetic induction, such that the receipt apparatus can receive information about the payment apparatus; and an identity recognition apparatus, the identity recognition apparatus being disposed in a payment environment and separated from the payment apparatus spatially, and the identity recognition apparatus being in signal connection with the receipt apparatus, wherein when a payer pays money, the identity recognition apparatus is used for recognising identity information about the payer, wherein the payment environment is a place where the receipt apparatus and the payment apparatus are located simultaneously. The payment system ensures the safety, convenience and efficiency of payment. Also provided are a payment device and a payment method. | 2017-10-26 |
20170308885 | APPARATUS, SYSTEM AND METHOD FOR SECURE TRANSACTIONS AND MONITORING IN A RETAIL ENVIRONMENT - An apparatus, system method of providing mobile checkout. The apparatus, system and method may include obtaining, via an opt-in to an in-store wireless network, of consumer device data regarding a plurality of consumer mobile devices, the consumer data comprising device use data, prior purchase data, and GPS data, receiving video surveillance data related to at least one consumer having consumer device data, interrelating, from at least one non-transitory computer-readable medium storing at least the consumer device data and the video surveillance data, of at least the consumer device data and the video surveillance data by at least one computing processor, and applying, by the computing processor, of a plurality of business rules to the interrelated datas to enable at least the mobile checkout, wherein the mobile checkout includes a purchase of at least one in-store item via the consumer device associated with the purchasing one of the at least one consumer. | 2017-10-26 |
20170308886 | SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD - A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data. | 2017-10-26 |
20170308887 | MOBILE DIGITAL CURRENCY - A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase. | 2017-10-26 |
20170308888 | METHOD FOR PROCESSING MULTIMODAL MOBILE DONATIONS VIA TEXT MESSAGE AND EMAIL COMMUNICATION - A donation processing system receives a text message from a donor indicating that they would like to make a donation to a non-profit organization. In response to the text message, a response message indicating the particulars of the donation including the donation amount and the non-profit organization is sent to the user. The donor reviews the information and, if the information is correct, a confirmation message is sent from the donor in response to the response message. The confirmation message confirms the donation. The donation is then made to the non-profit organization in response to the confirmation message. | 2017-10-26 |
20170308889 | ELECTRONIC VAPORIZING DEVICE WITH A MULTIFUNCTIONAL TRANSACTION PROCESSING COMPONENT - The present disclosure is directed to an electronic vaporizing device having a payment object reader or card reader for obtaining payment information for a card to be processed thereby. The payment object reader may read payment object information (card number, expiration date, bank issuer, etc.) from the payment object (credit card, debit card, etc.) and at least a portion of the payment object information is transmitted by a network access component of the electronic vaporizing device to a remote computing system, such as credit card processing system, for further processing thereof. | 2017-10-26 |
20170308890 | GIFT CARD CONVERSION AND DIGITAL WALLET - A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account. | 2017-10-26 |
20170308891 | System and Method for Distributed Real Time Authorization of Payment Transactions - Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment restrictions or instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer. The payer financial server authenticates the payer identification, authorizes the payment transaction, and transmits a transaction status message to the payee financial server, which in turn transmits the message to the payee computing device. | 2017-10-26 |
20170308892 | SYSTEM AND METHOD FOR DISTRIBUTED REAL TIME AUTHORIZATION OF PAYMENT TRANSACTIONS - Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment restrictions or instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer. The payer financial server authenticates the payer identification, authorizes the payment transaction, and transmits a transaction status message to the payee financial server, which in turn transmits the message to the payee computing device. | 2017-10-26 |
20170308893 | ASSET AND OBLIGATION MANAGEMENT USING FLEXIBLE SETTLEMENT TIMES - A system and method are provided for managing a transaction having at least one enduring obligation and at least one repo obligation with respect to a plurality of assets, where the system includes at least one signing server for authorizing the at least one enduring obligation and the at least one repo obligation. | 2017-10-26 |
20170308894 | SYSTEMS AND METHODS FOR PERFORMING FILE DISTRIBUTION AND PURCHASE - A secure computing module (SCM) is configured for connection with a host device. The SCM includes a processor for performing secure processing operations, a host interface for coupling the processor to the host device, and a memory connected to the processor wherein the processor logically isolates at least some of the memory from access by the host device. The SCM generates a secure digital signature for a financial transaction and enables controlled content received through the host device. File distribution is performed from a content provider to a buyer or from a reseller to a buyer. The file distribution includes a financial transaction using secure digital signatures and possibly message encryption. The digital signatures and transaction details are communicated to appropriate financial organizations to authenticate the transaction parties and complete the transaction. The controlled content is transferred to the buyer from either the content provider or the reseller. | 2017-10-26 |
20170308895 | METHOD AND SYSTEM FOR CONTACTLESS TRANSACTIONS WITHOUT USER CREDENTIALS - A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction. | 2017-10-26 |
20170308896 | METHODS AND APPARATUS FOR BROKERING A TRANSACTION - Methods of brokering a transaction between a first party and a second party with a trusted transaction server (TTS) and apparatus therefor. In an aspect, the method includes receiving at the TTS a request for a brokered transaction from the first party over a first communication channel and authenticating the identity of the first party with the TTS. The TTS stores a transaction code with at least some transaction details received from the first party. The TTS receives a message containing the transaction code from the second party over a second communication channel and matches the transaction code with the stored transaction details. The TTS sends a request for authorization for brokering the transaction to the second party. The TTS then authenticates the identity of the second party by way of a secret code and brokers the transaction. | 2017-10-26 |
20170308897 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR THE RECEIPT OF HEALTH AND WELLNESS TRANSACTION OFFERS - In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for receiving transaction offers which are based on an individual's contribution to their own health or wellness. For example, in some embodiments, a method is provided that includes (a) receiving information associated with an individual's health, wellness, and adherence to medication protocols; (b) storing, in a memory device, the information associated with an individual's health, wellness, and adherence to medication protocols; (c) receiving authentication information from a user to authenticate the user to enter into the transaction; and (d) enabling the user to enter into the transaction by using at least one of mobile phone, mobile wearable device, bar code display, an RFID-enabled device, a Bluetooth enabled device, satellite or cable television connection, or a computer network. | 2017-10-26 |
20170308898 | SYSTEM AND METHOD OF RECOGNIZING TRANSACTIONS AS TRUSTED - A system and method is provided for recognizing transactions as trusted. An exemplary method includes receiving parameters for a plurality of transactions executed by a user and obtaining one or more attributes of the user from a bank associated with the user. Furthermore, the method includes, for each of the plurality of transactions, determining whether a predetermined number of trust conditions are met by the at least one parameter of the transaction and the at least one attribute of the user; and for each of the plurality of transactions, determining that the transaction is trusted if the predetermined number of trust conditions are met. Moreover, the method includes determining that a verification condition is met if the processor determines that a specified number of the plurality of transactions is deemed trusted; and recognizing a subsequent transaction executed by the user is trusted if the verification condition is met. | 2017-10-26 |
20170308899 | SPEEDING UP CHIP TRANSACTION AT THE POINT OF SALE - A payment transaction is performed at a POS (point of sale) device. The device includes a terminal component and a reader component. The reader component includes a contact interface for establishing a data signal path via conductive contact with an integrated circuit (IC) payment card. A payment transaction is initiated. The data signal path is established between the reader component and the IC payment card. The IC payment card is commanded to generate a cryptogram for verification by an issuer of the card. The cryptogram is received from the card. In response to receiving the cryptogram, a command is issued to disable contact reading operation by the reader component. | 2017-10-26 |
20170308900 | SYSTEM AND METHOD FOR SCORING CROSS BORDER TRANSACTIONS - A method includes receiving transaction data concerning a transaction. The transaction data includes at least one account holder category of information associated with the transaction. The transaction data includes at least one category of related transaction information associated with the transaction. The transaction data includes at least one category of merchant-related information associated with the transaction. The method further includes evaluating risk related to the transaction by analyzing information from (a) the at least one account holder category of information; (b) the at least one category of related transaction information; and (c) the at least one category of merchant-related information. | 2017-10-26 |
20170308901 | DEVICE FOR PERFORMING SECURITY LOGIN SERVICE AND METHOD - A method for performing a security login in an electronic device includes accessing, by an electronic device including a communication circuit and a processor, a web page. The method also includes receiving a user input for requesting a login to the web page and receiving first information for the login from the web page. The received first information is transmitted to a payment service provider server and a request for second information for authentication is received from the payment service provider server. The requested second information is transmitted to the payment service provider server and the login to the web page is performed. | 2017-10-26 |
20170308902 | ISSUANCE OF VIRTUAL ELECTRONIC CARDS USING DEVICE AND USER-SPECIFIC AUTHENTICATION INFORMATION - An authentication application may securely communicate with a secure gateway using encryption based on an identifier of the plugin. The authentication application may authorize the plugin based on the identifier. The plug-in may receive biometric information and a unique device identifier. The authentication application may authenticate the user for use of the authorized plugin based the biometric information and the unique device identifier. The plug-in may receive a request to issue a new electronic card via the secure gateway. The plug-in may receive, responsive to sending the request via a secure communication channel with the secure gateway, the electronic card information issued to the device via the secure gateway. The plug-in may automatically add, responsive to receiving the electronic card information, the electronic card information into a mobile payment application of the device using the electronic card information. | 2017-10-26 |
20170308903 | SATISFACTION METRIC FOR CUSTOMER TICKETS - A computing device includes at least one processor and a satisfaction prediction module. The satisfaction prediction module is to generate a pruned decision tree using historical ticket data for a plurality of customer tickets, where the historical ticket data for each customer ticket includes a satisfaction metric and attribute values of the customer ticket. The satisfaction prediction module is also to generate a plurality of business rules based on the pruned decision tree, obtain at least one attribute value of an active customer ticket, and determine, based on the plurality of business rules and the at least one attribute value, a projected satisfaction metric for the active customer ticket. | 2017-10-26 |
20170308904 | Virtual Photorealistic Digital Actor System for Remote Service of Customers - A system for remote servicing of customers includes an interactive display unit at the customer location providing two-way audio/visual communication with a remote service/sales agent, wherein communication inputted by the agent is delivered to customers via a virtual Digital Actor on the display. The system also provides for remote customer service using physical mannequins with interactive capability having two-way audio visual communication ability with the remote agent, wherein communication inputted by the remote service or sales agent is delivered to customers using the physical mannequin. A web solution integrates the virtual Digital Actor system into a business website. A smart phone solution provides the remote service to customers via an App. In another embodiment, the Digital Actor is instead displayed as a 3D hologram. The Digital Actor is also used in an e-learning solution, in a movie studio suite, and as a presenter on TV, online, or other broadcasting applications. | 2017-10-26 |
20170308905 | Virtual Photorealistic Digital Actor System for Remote Service of Customers - A system for remote servicing of customers includes an interactive display unit at the customer location providing two-way audio/visual communication with a remote service/sales agent, wherein communication inputted by the agent is delivered to customers via a virtual Digital Actor on the display. The system also provides for remote customer service using physical mannequins with interactive capability having two-way audio visual communication ability with the remote agent, wherein communication inputted by the remote service or sales agent is delivered to customers using the physical mannequin. A web solution integrates the virtual Digital Actor system into a business website. A smart phone solution provides the remote service to customers via an App. In another embodiment, the Digital Actor is instead displayed as a 3D hologram. The Digital Actor is also used in an e-learning solution, in a movie studio suite, and as a presenter on TV, online, or other broadcasting applications. | 2017-10-26 |
20170308906 | Systems and Methods For Processing Vehicle Permits, Titles, Registrations, and Liens Using A Hub Configuration - Systems and methods are provided for updating a vehicle record maintained in an MVD database through the steps of: issuing a temporary registration permit (TRP) at a dealer; issuing a title and a registration at a fiduciary; recording a lien associated with the title; and releasing the lien. | 2017-10-26 |
20170308907 | SYSTEM AND METHOD TO ENSURE COMPLIANCE WITH STANDARDS - The system and method provides a way for suppliers to automatically submit the necessary compliance documentation and artifacts to the standard compliance body and have the compliance be verified and communicated to indicated buyers or third parties. Further, the system and method may automatically inform suppliers of changes to standards. | 2017-10-26 |
20170308908 | ELECTRONICALLY CAPTURING CONSUMER LOCATION DATA FOR ANALYZING CONSUMER BEHAVIOR - In embodiments, methods and systems for electronically capturing consumer location data for consumer behavior analysis may be provided. The location data may be gathered for one or more consumers from any suitable source. In some cases, the location data may be gathered using electronic devices associated with consumers, such as mobile phones. The gathered data may be analyzed to determine behavior patterns or other characteristics of the one or more consumers. Further, inferences or predictions about consumers may be derived based on the characteristics. The inferences and predictions may be the basis of consumer analytics supplied to a business or other entity. | 2017-10-26 |
20170308909 | SYSTEMS AND METHODS FOR SENSOR DATA ANALYSIS THROUGH MACHINE LEARNING - Sensor data analysis may include obtaining video data, detecting facial data within the video data, extracting the facial data from the video data, detecting indicator data within the video data, extracting the indicator data from the video data, transforming the extracted facial data into representative facial data, and determining a mood of the person by associating learned mood indicators derived from other detected facial data with the representative facial data. The analysis may include determining that the representative facial data is associated with a complex profile, and determining a context regarding the person within the environment by weighting and processing the determined mood, at least one subset of data representing information about the person of the complex profile, and the indicator data. The analysis may include determining a user experience for the person, and communicating the determined user experience to a device associated with the person. | 2017-10-26 |
20170308910 | INCREASING USER ENGAGEMENT VIA DETECTION OF REFRESH RATES - Methods and systems may provide for detecting a user-initiated activity with respect to a view of a resource and automatically determining an update rate corresponding to the user-initiated activity. Additionally, if the update rate satisfies one or more criteria, a user prompt may be issued, wherein the user prompt includes an option to engage with the resource via a secondary interaction mode that is different from a primary interaction mode associated with the user-initiated activity. | 2017-10-26 |
20170308911 | SHOPPING CART TRACKING SYSTEM AND METHOD FOR ANALYZING SHOPPING BEHAVIORS - System and method for monitoring a shopping cart location is disclosed. The system and method tracks the location of the shopping cart within a store to identify a shopping behavior of a customer. A RF tag is integrated with the shopping cart and communicates with a reference point to identify the location of the shopping cart in real time. In addition to the location, the system identifies time, duration, and trail of the shopping cart during a shopping activity. The system and method to analyze the acquired data to improve an overall shopping experience of the customer is further disclosed. | 2017-10-26 |
20170308912 | Method for a Consumer Rewards/Incentive Program - A social review platform which generates confidential review content for a business by compensating customers for their valuable review. The platform is managed by a remote server and is accessible by a plurality of customer accounts through a corresponding personal computing (PC) device. Goods-and-services (GAS)-provided information associated to the merchant account is displayed to each of the customer accounts through the corresponding PC device. Then each of the customer accounts is prompted to provide feedback information in relation to the GAS-provided information. Upon receiving feedback information from an arbitrary account from the customer accounts, a credit amount is transferred from a merchant credit balance to a customer credit balance of the arbitrary account, i.e. compensation for his/her input. Finally, the gathered feedback information of the arbitrary account is provided to the merchant account. | 2017-10-26 |
20170308913 | DRILL-DOWN APPROACH TO PROVIDING DATA ABOUT ENTITIES IN A SOCIAL GRAPH - Techniques are provided for displaying information about entities in a social network. An analysis of profiles of multiple representatives is performed. Each representative is registered with a social network provider and represents an organization from multiple organizations. Based on the analysis, the organizations are ranked. Data about a subset of the organizations is presented, based on the ranking, through a user interface. A user selects an indicator that is associated with a particular organization of the multiple organizations. In response to the input, a subset of the representatives is identified. One or more scores that were generated for a particular representative in the subset are determined. Data about the subset of the representatives is caused to be presented through the user interface. The data identifies the one or more scores and associates the one or more scores with the particular representative. | 2017-10-26 |
20170308914 | SYSTEMS AND METHODS FOR USE IN FORECASTING CHANGES IN SALES - In some embodiments, apparatuses and methods are provided to forecast expected sales and/or demand for one or more products at one or more retail shopping facilities. Some embodiments include systems to forecast retail sales, comprising: a network transceiver; a forecast control circuit; and a memory storing computer instructions executed by the control circuit that receives, via the network transceiver from at least one third party service unassociated with retail shopping facilities and accessed over a distributed computer network, reservation data corresponding with people traveling during a future period of time to a geographic region that is within a threshold distance from a first retail shopping facility; and forecasts expected sales, during the future period of time associated with the reservation data, of at least a first set of products at the first retail shopping facility as a function of the reservation data. | 2017-10-26 |
20170308915 | SYSTEMS AND METHODS OF FORECASTING SEASONAL TRANSITIONS IN RETAIL SALES - In some embodiments, systems and methods are provided to forecast changes in seasons and/or changes in expected sales at one or more retail shopping facilities. In some embodiments, a system comprises a forecast control circuit; a memory storing computer instructions that cause the forecast control circuit to: forecast when a first changing of a first season to a second season is to occur at a first geographic area based on a detected change in sales of at least a first set of products at a first retail shopping facility located within the first geographic area; and forecast when in the future a second changing of the first season to the second season at a second geographic area is to occur based on a seasonal delay factor of the second geographic area relative to the occurrence of the changing of the first season at the first geographic area. | 2017-10-26 |
20170308916 | SOCIAL SCIENCE MACHINE FOR MEASURING LATENT VARIABLE MODELS WITH BIG DATA SURVEYS - The current invention is a Social Science Machine designed to articulate social science theory-based latent variable models; to operationalize such models through survey research methodologies; and to obtain valid comparative measurements of such latent variable models from such methodologies. The embodiment described herein is the performance measurement of Well-Being Programs which are programs designed to improve the physical, or psychological health; social connectivity; coping capabilities; and development of their participants. Measurement of Well-Being Programs is fraught with threats to validity from Selection and Response Biases. The invention explicitly deals with Selection and Response Biases and can be used to establish a virtuous cycle of feedback to drive performance improvements in human services analogous to what has been achieved in manufacturing with Statistical Process Control. The invention employs a collaborative, multi-entity approach for the standardized collection and analysis of Big Survey Data derived from multiple organizations. | 2017-10-26 |
20170308917 | PROCESS AND SYSTEM TO CATEGORIZE, EVALUATE AND OPTIMIZE A CUSTOMER EXPERIENCE - A system and a process using that system is provided for creating, analyzing and optimizing a customer journey. The process includes real-time creation and continuing analysis of an “Event Sequence Index,” (ESI) corresponding to a time-stamped labeled set of data points representing cumulative events along the customer journey. The data points are further associated with channels, which are modes of interaction between the customer and the organization, and mapped into a linked directed graph which is amenable to analysis through a recursive pattern matching method, such as a non-deterministic finite automaton, employing DQL (Distributed Query Language). Selected portions of these graphs can be identified, either statistically or causally, as signatures of highly satisfactory or unsatisfactory outcomes and may be stored in memory as real-time predictors of the course of a present customer experience and to suggest statistically feasible and effective interventions. Concurrently, the signatures may be used as feedback to an organization for improvements in customer relations. | 2017-10-26 |
20170308918 | TRACKING BRAND STRENGTH USING CONSUMER LOCATION DATA AND CONSUMER SURVEY RESPONSES - Techniques that may be used by a consumer analytics system to track consumers' knowledge of brands and interactions with brands based in part on location data for consumers and responses to surveys that are distributed to consumers based at least in part on location data for the consumers. Such location data may be received, for example, from mobile devices operated by the consumers. A brand strength may represent any suitable measurement of a fraction or share of a market category. In some embodiments, a consumer analytics system may determine brand strength for a business using factors that each represent a “share” of a market category held by a business. The system may additionally track changes in these factors over time. Examples of factors that may be tracked include brand awareness for a business, brand accessibility for the business, brand consideration, brand usage, and brand favorites. | 2017-10-26 |
20170308919 | EXPEDITE PROCESSING OF FACIAL RECOGNITION OF PEOPLE IN A LOCAL NETWORK - A method that expedites processing of facial recognition from facial images captured by different cameras in a local area network (LAN). The method generates a first facial pattern for a first facial image of a person and a first facial identification that is unique to the first facial pattern. A second facial pattern is generated from a second facial image and compared, by a computer in the LAN, with the first facial pattern to determine whether the first facial image and the second facial image are both from the same person. A second facial identification of the second facial pattern is generated when the second facial image is determined to be different from the first person. If the second facial pattern is determined to be the same as the first facial pattern generated from the first facial image of the first person, the second facial pattern is assigned the first facial identification. The first and second facial patterns and their facial identifications are shared among the computers in the LAN to expedite processing of facial recognition. | 2017-10-26 |
20170308920 | POINT MANAGEMENT APPARATUS, SYSTEM, AND METHOD - A point management apparatus includes a storage device configured to store point information about points awarded to a user, the point information including a point ID for identifying the points, a point rate indicating an amount of money per unit point of the points, a stock price and the number of shares of a designated company of when purchased as capital for the points, a user ID for identifying the user, a balance of points owned by the user identified by the user ID, and stock information about a stock of the designated company, which is used to calculate the balance of the points, an arithmetic circuit configured to update the balance of the points owned by the user, which is stored in the storage device, by calculating, based on a new stock price of the designated company, the balance of the points owned by the user read out from the storage device, and the stock information read out from the storage device, the balance of the points owned by the user, and a terminal processing circuit configured to read out, in response to a request from the user, the balance of the points owned by the user from the storage device, and notify a terminal apparatus of the user of the balance via the communication network. Point management system and method are also disclosed. | 2017-10-26 |
20170308921 | IDENTIFIER-BASED COUPON DISTRIBUTION - A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user. | 2017-10-26 |
20170308922 | METHOD AND DIGITAL SIGNAGE PLAYER FOR MANAGING DISTRIBUTED DIGITAL SIGNAGE CONTENT - A method and digital signage player for managing distributed digital signage content. A memory of the digital signage player stores a distributed digital signage content, a distributed digital signage content identifier for identifying the distributed digital signal content, and a local placement target for the distributed digital signage content. A processing unit of the digital signage player displays the distributed digital signage content on a display of the digital signage player, in accordance with the local placement target. The digital signage player exchanges, via a communication interface, synchronization data related to the distributed digital signage content with the at least one of a digital signage server and neighbor digital signage player. The processing unit increases or decreases the local placement target based on the synchronization data exchanged. | 2017-10-26 |
20170308923 | EVALUATION APPARATUS AND EVALUATION METHOD - An evaluation apparatus comprises a brain wave acquiring unit that acquires a brain wave signal from each of a plurality of subjects; an intensity data generating unit that generates intensity data that represents an intensity of a signal component in a predetermined frequency band or a relation between intensities of signal components in a plurality of frequency bands; a correlation data generating unit that acquires pairs of two subjects for all combinations, calculates a cross-correlation coefficient for the intensity data at each point in time for the respective pairs, and generates, correlation data in the time-series form; and an output unit that generates evaluation data that numerically represents a degree of synchronization of brain wave fluctuation based on the correlation data. | 2017-10-26 |
20170308924 | AUTOMATIC TARGETING OF CONTENT BY CLUSTERING BASED ON USER FEEDBACK DATA - An online system automatically and dynamically determines an audience for content by clustering users across various dimensions, and refining targeting criteria for the content. The online system receives content and initial targeting criteria from a content provider. The content is provided to a group of users that meet the initial targeting criteria. The system collects content response data from the group of users that were provided the content, including user responses to the content and dynamic data relating to time and location of the user responses. The content response data is further integrated with user characteristics, content presentation data, and social response data to generate integrated user-content data of the content. Clusters of users are generated based on features of the integrated user-content data, and refined targeting criteria are identified based on the generated clusters that can then be used for more accurate targeting of the content to users. | 2017-10-26 |
20170308925 | VIDEO SURVEY - Provided herein are systems and methods for measuring effectiveness of an advertising campaign. Measurement of persuasion metrics, rather than engagement metrics, may provide more meaningful data on understanding how brands are actually moving their audience over time. | 2017-10-26 |
20170308926 | ARRANGEMENTS FOR FACILITATING e-COMMERCE VIA A MESSAGING SERVICE WITH SEEMLESS TRANSITION TO AN IP BASED SERVICE - Configurations for facilitating electronic commerce are disclosed. In some embodiments, a retailer/non-profit entity (“provider”) sends content and offer and a selectable link to prospective consumers via a messaging service. The offer is sufficiently defined such that a consumer's selection of the link provides a preliminary acceptance to the provider's offer. A consumer's acceptance to the provider offer can be received by a front-end commerce application (FECA) and the FECA can reply via the messaging service with a shortened unique universal resource locator (URL) for selection by the consumer where upon selection of this URL will seamlessly place the consumer in communication with their funding source of choice. Such a configuration efficiently bridges communication between a messaging service and an Internet Protocol service allowing ad-hoc access to a transaction account via simple link selections by a consumer in response to an advertising impression. | 2017-10-26 |
20170308927 | SYSTEMS AND METHODS FOR IDENTIFYING CONTENT SEGMENTS TO PROMOTE VIA AN ONLINE PLATFORM - Content segments to promote on an online platform may be identified. Metadata associated with the content segments may be obtained. The metadata may include information describing the content segments. The content segments may be available to consumers via a first online platform. Confidence scores associated with the individual content segments may be determined based upon the metadata. The confidence scores may quantify a likelihood of success to direct consumers to the individual content segments on the first online platform from the second online platform. One of the content segments may be selected to promote on a second online platform based upon the confidence scores. The system may distribute promotional content associated with the selected content segment via the second online platform. | 2017-10-26 |
20170308928 | METHOD AND APPARATUS FOR RELAYING OF ADVERTIZING CONTENT - A method for relaying advertising content may include intercepting, at a network providing communication between an end user device and one or more servers capable of responding to requests from the end user device, a request from the end user device and transmitted via the network, determining whether a response to the request will include advertizing content based on a destination of the request, intercepting the response based on the determination, modifying the response to modify source indicia of the advertizing content in a modified response, and enabling the modified response to be provided to the end user device to effectively relay the advertizing content from a different source. | 2017-10-26 |
20170308929 | Social Network Based Advertisement - Systems and methods for advertisement using location-based open social networking circles. The circles are arranged for businesses respectively. After a user launches circle app at user device, icons of nearby business circles show up in app interface. The icons each display a circle name and a short ad message. A short ad message presented in app interface is created and controlled by a business directly and independently. In an aspect, a short ad message entered by a business in circle interface appears in app interface for public use in real time. In another aspect, contents arranged in circle interface by a business are collected and become searchable for users. In yet another aspect, circle app is arranged to check a designated file at a business or a business' website and update contents in circle interface automatically. | 2017-10-26 |
20170308930 | VEHICLE ADVERTISING SYSTEM AND METHOD - A vehicle advertising system includes an electronic display located on a vehicle, the electronic display operably connected to a microcontroller. A vehicle brake pedal is operably connected to the microcontroller and the electronic display, wherein when an operator of the vehicle applies the brake pedal, one or more messages are displayed on the electronic display and when the operator releases the brake pedal, the message (or messages) is no longer displayed via the electronic display. | 2017-10-26 |
20170308931 | ENHANCED VIEWER-DIRECTED MOTION PICTURE SCREENING - A method of curating an audience for a viewer-directed motion picture screening event includes: providing a management module executing on at least one hardware processor, the management module being configured to coordinate a motion picture screening event initiated in response to at least one viewer request; enrolling users and at least one motion picture screening facility in a user-directed motion picture screening service; executing a gaming application on the hardware processor, the gaming application being configured to track a number of attendees in the audience for the event invited to join the motion picture screening event by each of the users enrolled with the motion picture screening service; and designating at least a given one of the users as a winner of the gaming application as a function of the given one of the users having invited a highest number of attendees in the audience for the event. | 2017-10-26 |
20170308932 | SYSTEM FOR DEPLOYING VOICE OVER INTERNET PROTOCOL SERVICES - A system for deploying Voice over Internet Protocol (VoIP) services is provided. A system that incorporates teachings of the present disclosure may include, for example, a Call Session Control Function (CSCF) having a controller element to receive a Session Initiation Protocol (SIP)message from an originating communication device requesting communications with a terminating communication device, and establish an Internet Protocol (IP) connection between the originating communication device and an advertisement media system to present at the originating communication device an advertisement message that replaces a ringback tone associated with the terminating communication device. Additional embodiments are disclosed. | 2017-10-26 |
20170308933 | DETERMINING BID AMOUNTS FOR PRESENTING SPONSORED CONTENT TO A USER BASED ON A LIKELIHOOD OF THE USER PERFORMING A CONVERSION ASSOCIATED WITH THE SPONSORED CONTENT - An online system receives a sponsored content item including a maximum amount of compensation for accessing the content, a budget, and a tracking mechanism identifying an action. When an opportunity to present sponsored content to a user eligible to be presented with the sponsored content item is identified, the online system determines a likelihood of the user performing the action identified by the tracking mechanism and an average likelihood of other users performing the action identified by the tracking mechanism. Based on the determined likelihood and the average likelihood, the online system determines a subsidy value. Additionally, the online system generates a penalty value inversely proportional to a number of the identified action that have been identified. The online system increases a bid amount by the subsidy value decreases the bid amount by the penalty value to determine whether to present the sponsored content item to the user. | 2017-10-26 |
20170308934 | MANAGEMENT METHOD OF POWER ENGINEERING COST - The present invention discloses a management method of power engineering cost, including: 1) collect and collate the historical power engineering data, and establish engineering sample database; 2) Explore the factors influencing power engineering cost and construct the cost factor associated topology; 3) identify the price transmission path; 4) Establish the power engineering cost change trend model based on the factor distribution on the price transmission path, and conduct training on the model combined with the historical data, to solve the set of cost change trend of the equipments and materials required in the current stage of engineering. By considering the effect of market price fluctuation on the price transmission of required equipments and materials, this invention can propose appropriate management control program for the next stage of engineering costs more clearly, further shrink the deviation of cost, reduce the investment risk of power engineering and improve the dynamic control system of power engineering. | 2017-10-26 |
20170308935 | DATA RESILIENCY OF BILLING INFORMATION - Managing transaction data during times of low network connectivity by organizing billing information for prioritized processing during periods of higher network connectivity. During low connectivity events, billing information is organized based, at least in part, on a combination of age and revenue to communicate important billing information upon reconnection. | 2017-10-26 |
20170308936 | Carried-Forward Service Units - Methods, systems, and products are disclosed for rolling over unused credits. An available number of service units is provided during a billing cycle. The number of service units consumed during the billing cycle is compared to the available number of service units. When service units remain at an end of the billing cycle, then unused service units are rolled over to another billing cycle. | 2017-10-26 |
20170308937 | MOBILE SOLUTION FOR PURCHASE ORDERS - Embodiments include methods and devices for creating an electronic invoice file using a baseline electronic purchase order file. The methods and devices can receive data representing an electronic purchase order file, comprising a plurality of fields of information. The methods and devices can also confirm that the received electronic purchase order file, was received from a valid retail trading partner, the format of the received electronic purchase order file is consistent with the format of the baseline electronic purchase order file, and the fields of the received electronic purchase order file are consistent with the fields in the baseline electronic purchase order file, in a single step, by applying a hashing function to the data representing the baseline electronic purchase order file and received electronic purchase order file. The methods and devices can also create an electronic invoice file, using a plurality of fields from the electronic purchase order file. | 2017-10-26 |
20170308938 | DIGITIZATION OF A CATALOG OF RETAIL PRODUCTS - Embodiments of the present invention disclose a method, computer program product, and system for catalog digitization. A method including receiving observed information including physical attributes of a plurality of products, assigning an importance to each physical attribute, organizing the products into product categories based on the physical attributes and their corresponding importance, determining a product profile for of the products based on the product category of each of the products and a likelihood of any two attributes being observed together with respect to each of the products, identifying a match between two products based on a similarity between the physical attributes of the two products and their corresponding importance, and a comparison between the product profiles of the two products, preparing a product description based on a combination of the physical attributes of the two matching products, and creating a digital product catalog comprising the product description. | 2017-10-26 |
20170308939 | DIGITIZATION OF A CATALOG OF RETAIL PRODUCTS - Embodiments of the present invention disclose a method, computer program product, and system for catalog digitization. A method including receiving observed information including physical attributes of a plurality of products, assigning an importance to each physical attribute, organizing the products into product categories based on the physical attributes and their corresponding importance, determining a product profile for of the products based on the product category of each of the products and a likelihood of any two attributes being observed together with respect to each of the products, identifying a match between two products based on a similarity between the physical attributes of the two products and their corresponding importance, and a comparison between the product profiles of the two products, preparing a product description based on a combination of the physical attributes of the two matching products, and creating a digital product catalog comprising the product description. | 2017-10-26 |
20170308940 | SYSTEMS AND METHODS FOR VIRTUAL MARKETS WITH PRODUCT PICKUP - A system and method for virtual markets with product pickup generally comprised of a three-dimensional user supermarket interface, where a user places an order, and a retail/warehouse hybrid procurement center, comprised of a fulfillment warehouse and a pickup bay, where the order is generally fulfilled, packaged and picked-up by a user. | 2017-10-26 |
20170308941 | DETECTION OF POTENTIAL GREY MARKET ACTIVITIES - Examples relate to detecting potential grey market activities. The examples disclosed herein enable storing, in a product database, a plurality of product identifiers. At least one of the plurality of product identifiers may be associated with a promotion that is intended for at least one end customer. The examples disclosed herein enable triggering a detection of a potential grey market activity in response to receiving customer registration information from a first end customer. The customer registration information may comprise a first product identifier. The detection of the potential grey market activity comprises identifying the first product identifier in the product database and the promotion associated with the first product identifier, and determining whether the first end customer is the end customer for which the promotion associated with the first product identifier is intended. | 2017-10-26 |
20170308942 | ASSOCIATING MULTIPLE PERSONS WITH A VIRTUAL TRANSACTION IN AN ENVIRONMENT - A method, computer program product, and system are disclosed for compiling a virtual transaction for a person within an environment having a plurality of items. The method includes acquiring, using at least one visual sensor, first image information including a person. The method further includes identifying the at least one person from the first image information by classifying the person into a class. The method also includes acquiring second image information including the person and an item. The method further includes identifying a behavior of the person relative to the item, and updating, based on the identified behavior, the virtual transaction. | 2017-10-26 |
20170308943 | SOCIAL NETWORK-BASED ASSET PROVISIONING SYSTEM - Embodiments are generally directed to providing a requestor with an asset that has been guaranteed by a guarantor, and to negotiating an asset guarantee with various guarantors. In one scenario, a computer system receives an asset request to guarantee a particular asset, accesses a database to retrieve attributes associated with the requestor and prepares a requestor cost function. The computer system then accesses attributes associated with third party participants and a third party cost function associated with the asset is prepared. Next, the requestor and third party cost functions are accessed to generate a new, optimized cost function with a guarantee from the third parties. A customized user interface is then generated that includes an interactive visual arrangement of items associated with the asset. Upon receiving a guarantee and a guarantee amount, the requestor is then provided with the asset according to the optimized asset guaranteeing terms. | 2017-10-26 |
20170308944 | CUMULATIVE EVALUATION AND REVIEW SYSTEMS AND METHODS - The present invention is generally directed to a cumulative rating system for generating accurate and unbiased evaluations of products, performances, and/or services, thereby improving the reliability of information provided to a consumer and improving their purchasing decision. | 2017-10-26 |
20170308945 | FOOTWEAR POINT OF SALE AND MANUFACTURING SYSTEM AND METHOD - System and method for generating a custom last for a consumer, and providing the custom last to at least one of a) a virtual footwear generator and b) a manufacturing processor for producing the custom last and manufacturing footwear based on the custom last. The system and method may also include a virtual store front or point of sale system. | 2017-10-26 |
20170308946 | BUNDLING OF AUTOMATED WORK FLOW - An enterprise geospatial intelligence service oriented architecture (EGI-SOA) provides a consumer with one or more tailored products in response to either a dynamic request or a standing request by the consumer. | 2017-10-26 |
20170308947 | SYSTEM AND METHOD FOR PURCHASE RECOMMENDATION FOR WALLET LINKED USER - A method includes storing interaction data related to a first user and at least one other user. The interaction data is indicative of interactions among mobile devices operated by the users. The method further includes generating respective ranking data for each of the other users besides the first user. The ranking data is derived from the interaction data pursuant to at least one ranking rule. In addition, the method includes storing transaction data for the other users. The transaction data indicates product purchases made by the other users. An offer or product recommendation is selected based at least in part on the ranking data and the transaction data. The offer or product recommendation is transmitted to the first user. | 2017-10-26 |
20170308948 | ELECTRIFIED VEHICLE ACTIVITY CENTER RANKING - An exemplary activity center ranking method includes ranking a plurality of activity centers based on what activity centers were visited in connection with previous charges, and communicating at least one of the plurality of activity centers to an operator of an electrified vehicle based on the ranking and proximity to the charging station. | 2017-10-26 |
20170308949 | EMPHASIZING COMMUNICATION BASED ON PAST INTERACTION RELATED TO PROMOTED ITEMS - A communication is emphasized based on a past interaction related to promoted items. A communication application initiates operations to process a previous communication associated with an item upon receiving a communication from a provider associated with the item. The previous communication includes an order and/or shipping confirmation associated with a past purchase of the item by a recipient of the communication. Next, the item is identified as an item of interest for the recipient based on the previous communication, a recipient attribute, and/or an item attribute. The communication is also assigned to a list of communications to be emphasized based on the identification of the item as the item of interest. Furthermore, the communication is provided to a client application to be presented to the recipient with an emphasis. | 2017-10-26 |
20170308950 | SYSTEMS AND METHODS FOR PROGRAMATICALLY CLASSIFYING TEXT USING TOPIC CLASSIFICATION - Systems and methods for programmatically classifying text are discussed herein. Some embodiments may provide for a system including circuitry configured to programmatically classify a block of text. For example, the circuitry may be configured to identify topics associated with the block of text and identify one or more categories for each of the topics. The circuitry may be further configured to determine unique categories across the one or more categories for each of the topics. For each unique category, an actual category frequency may be determined based on a number of times each of the topics in the block of text is associated with the unique category. The circuitry may be further configured to associate a unique category with the block of text based on the actual category frequency for each the unique category and one or more other actual category frequencies for one or more other unique categories. | 2017-10-26 |
20170308951 | PROVIDING AN IMAGE OF AN ITEM TO ADVERTISE THE ITEM - A seller device executing a seller module captures an image of an item available for purchase and uploads the image to a host machine. The host machine receives the image of the item and provides the image and a seller address to a buyer device. The buyer device executing a buyer module presents the image and the seller address to a user. The seller address is usable to initiate a communication with the seller of the item. The host machine may provide the seller module to the seller device, and the host machine may provide the buyer module to the buyer device. The host machine may also communicate the image to an advertisement server configured to publish the image as a listing of the item. | 2017-10-26 |
20170308952 | MULTIPLE FUNDING ACCOUNT PAYMENT INSTRUMENT ANALYTICS - A system and method for multiple funding account payment instrument analytics is disclosed. A payment instrument profile is generated for a payment instrument that characterizes past activity on the payment instrument and past activity across one or more funding accounts associated with the payment instrument. Current activity on the payment instrument and current activity across one or more funding accounts associated with the payment instrument are monitored to detect an abnormality against the payment instrument profile. A fraud score for the current activity on the payment instrument and current activity across one or more funding accounts associated with the payment instrument is generated. The fraud score is based on a quantified extent of the abnormality. | 2017-10-26 |
20170308953 | METHOD for PROCESSING USER CONSUMPTION DATA AND SERVER - The present invention provide a method for processing user consumption data and a server, where the method includes: a server acquires a first numerical value corresponding to consumption data of a user; the server determines information about a first trading commodity to be exchanged according to the first numerical value, and updates account information of the user according to the information about the first trading commodity; the server receives a transaction request message transmitted by the user, and processes the updated account information of the user according to the transaction request message. Thus, data processing efficiency, flexibility and accuracy are improved. | 2017-10-26 |
20170308954 | AN INTERACTIVE OPTIONS TRADING GRAPHICAL USER INTERFACE AND A SYSTEM FOR THE GENERATION THEREOF - There is provided a system for generating an interactive options trading graphical user interface. The graphical user interface comprises: an asset price graph having an asset price axis and a time axis showing an asset price characteristic over time, the asset price graph dynamically generated using historical financial information data; and an options payoff diagram at an expiry date, the options payoff diagram displayed adjacent to the asset price graph, wherein the options payoff diagram has: an asset price axis parallel and aligned with the asset price axis of the asset price graph; a profitability outcome axis parallel to the time axis of the asset price graph; and a date/breakeven line aligned with the expiry date on the time axis of the asset price graph | 2017-10-26 |
20170308955 | SYSTEMS AND METHODS FOR PROVIDING A TRADING INTERFACE WITH ADVANCED FEATURES - Systems and methods for a trading interface with advanced features are provided. Using these systems and methods, a user may create orders, manipulate orders, cancel orders, configure alternative keyboard settings, and/or obtain additional information on transactions. When a user clicks on a bid and/or offer, a dialog box may pop-up, thereby providing the user with multiple options. To enable customization of the keyboard settings to a user's preference, a keyboard settings feature is provided. Users may also be provided with additional information relating to the user's wish to transact. | 2017-10-26 |
20170308956 | CONTROL SYSTEM - Methods and systems are provided herewith for determining prices and executing trades for a plurality of users of an electronic trading system. A central processor may receive a processor a plurality of bid-offer pairs from a plurality of users. Each bid-offer pair may comprise a bid price and an offer price, e.g. for a financial transaction such as a currency exchange. A price of a trade may be determined based on one or more of the bid-offer pairs. The processor may match user orders to trade and transact a trade at the determined price. A price for the traded product may be measured at a predetermined time after the trade. A flow may be determined for a plurality of trades between two users based on the difference, for each trade, between the trade price and a subsequent price measured at a predetermined time after the trade. Afterwards, for at least one subsequent trade between the two users, the at least one corresponding price may be adjusted or otherwise determined based on the determined flow. | 2017-10-26 |
20170308957 | METHODS AND SYSTEMS FOR COMPETITIVE BIDDING AND VERIFICATION OF YIELD RESTRICTED ESCROWS AND INVESTMENTS - Systems and methods for conducting business using competitive bidding and verification of yield restricted escrows and investments are disclosed. The methods can include automatically transmitting a request for proposal (RFP) from an issuer to at least a predetermined minimum number of potential bidders. According to certain embodiments, the RFP can include written bid specifications including an amount of money made available to be used to purchase one or more open market securities (OMS), a settlement date, proposal due date, a required cash flow, and an indication of OMS type eligibility. According to certain embodiments, the method can include automatically transmitting to the issuer a plurality of bids to provide one or more OMS to be purchased using the escrow amount in conformity with the written bid specifications, from at least a predetermined minimum number of bidders. | 2017-10-26 |
20170308958 | SUPPLEMENTAL REVIEW PROCESS DETERMINATION UTILIZING ADVANCED ANALYTICS DECISION MAKING MODEL - A system may automatically identify electronic records to be routed to a supplemental review process via an automated back-end application computer server. The system may include a data store containing electronic records, each electronic record representing a potential new risk association with an entity, and each electronic record may contain a record identifier and a set of record characteristic values. The computer server may then access the electronic records and automatically generate, by an advanced analytics decision making model based on the record characteristic values, a supplemental review process indication for the potential new risk association of each entity. Indications representing the supplemental review process indications may be transmitted in connection with an interactive user interface display and it may be arranged for electronic records having supplemental review process indications that meet a pre-determined condition to be automatically routed such that those electronic records will undergo the supplemental review process. | 2017-10-26 |
20170308959 | Method for Efficient Processing of Insurance Claims - Rooms, structures, vehicles, and other objects can be accurately diagrammed, often without performing a physical on-site inspection. Photographs of a room, structure, vehicle, or other object are uploaded to a computer having a processor. A base calibration measure is determined for a room, structure, vehicle, object, or component thereof, depicted in the photographs using at least one known dimension for items observable in the photographs. The base calibration measure is then used to determine dimensions of other areas, items, or objects depicted in such photographs, and to create at least one scale diagram of the subject matter of the photographs. Damages areas of the structure/vehicle/object can be assessed from the scale diagram. The scale diagram can then be used to calculate appropriate insurance payment amounts for damage claims. | 2017-10-26 |
20170308960 | METHOD AND SYSTEM FOR APPLYING DYNAMIC AND ADAPTIVE TESTING TECHNIQUES TO A SOFTWARE SYSTEM TO IMPROVE SELECTION OF PREDICTIVE MODELS FOR PERSONALIZING USER EXPERIENCES IN THE SOFTWARE SYSTEM - A method and system adaptively improves potential customer conversion rates, revenue metrics, and/or other target metrics by providing effective user experience options to some users while concurrently testing user responses to other user experience options, according to one embodiment. The method and system selects the user experience options by applying user characteristics data to an analytics model to identify a predictive model that selects or determines the user experience options, according to one embodiment. The method and system analyzes user responses to the predictive model and/or user experience options to update the analytics model, and to dynamically adapt the personalization of the user experience options, according to one embodiment. The method and system dynamically and automatically defines, evaluates, and updates analytics models to provide progressively improving personalization of user experiences in a software system. | 2017-10-26 |
20170308961 | VIEWER-DIRECTED MOTION PICTURE SCREENING - A method for facilitating a viewer-directed motion picture screening event includes: enrolling a plurality of viewers and at least one motion picture screening facility in a viewer-directed motion picture screening service, via a management module executing on at least one hardware processor; sending a request for screening a given motion picture, initiated by at least one of the plurality of viewers, to the management module; receiving, by the at least one viewer, notification from the management module regarding a status of the request for screening the given motion picture; and when the notification from the management module indicates that the request for screening the given motion picture has been granted, sending information by the management module to the at least one viewer regarding at least one of a date, time and location of the viewer-directed motion picture screening event established for viewing the given motion picture. | 2017-10-26 |
20170308962 | SYSTEM AND METHOD FOR CONVERSATION DISCOVERY - Embodiments of a system and method for sharing content across a social network can include: receiving content (e.g., a content update) for a content channel (e.g., at a channel node of a set of remote channel nodes); assigning a content identifier to the content; transmitting the content with the content identifier to a user account associated with the content channel; and modifying the content channel with the content based on the content identifier. | 2017-10-26 |
20170308963 | MANAGEMENT APPARATUS AND MANAGEMENT METHOD - A component mounting line includes component-mounting-related devices coupled to one another and placed on a floor. The component-mounting-related devices include a component mounter. In a management method of optimizing assignment of an operator executing a work for producing assembly boards in the component mounting line, a production capacity of the component mounting line for producing the assembly boards according to a production plan is estimated. It is judged whether or not the estimated production capacity is equal to or greater than a predetermined target production capacity. One or more operators out of the operators to be assigned to the component-mounting-related devices are determined based on the operator information if judging that the estimated production capacity is equal to or greater than the target production capacity. | 2017-10-26 |
20170308964 | INTELLIGENT FUEL DISPENSERS - In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser. | 2017-10-26 |
20170308965 | INTELLIGENT FUEL DISPENSERS - In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser. | 2017-10-26 |
20170308966 | POST-EVALUATION AND RISK MANAGEMENT AND CONTROL METHOD OF POWER TRANSMISSION ENGINEERING COST - A VAR-based post-evaluation and risk management and control method is disclosed herein. The power transmission engineering cost is broken down sub-item costs, and the stochastic behavior of sub-item costs is simulated by normal distribution, to determine the VaR of sub-item cost at a confidence, then the VaR and ratio of mean of sub-item costs are used as the weights of sub-item cost, to establish the post-evaluation model of sub-item cost, then according to the ratio of sub-item cost among total cost, a contribution degree index is established, and the main sub-item costs are screened according to the sequence of contribution degree index; then based on this, considering the constraint of risk rate interval and aiming at controlling the main sub-item cost within the allowable risk interval, a stochastic linear programming model is established; finally, Monte Carlo method is used to sample and simulate the random factors to solve the stochastic linear programming problem. The method provided herein can effectively perform evaluation on the risk of cost fluctuation, to achieve control over the cost within a risk interval. | 2017-10-26 |
20170308967 | "GAS-IN-O!" LIFE-TIME "FREE GAS" PROMOTION - The invention relates to the method and the system of life-time promotion for generating customer demand in gasoline and diesel and raising sales volume by driving more customer traffic to filling station location or to a network of branded filling stations independently to fluctuating of fuel prices and increasing of gasoline elasticity in the long run. | 2017-10-26 |
20170308968 | SYSTEM, METHOD AND APPARATUS FOR CAPACITY DETERMINATION FOR MICRO GRID AND TANGIBLE COMPUTER READABLE MEDIUM - The present disclosure presents a system, method, and apparatus for capacity determination in a micro grid, and a tangible computer readable medium. The micro grid comprises multi-type energy supply devices to provide both electricity and thermal energy, In embodiments of the present disclosure, a capacity determination process for minimizing both annual integrated cost for the micro grid and annual energy outage cost, is performed under constraints on electricity supply/demand balance and thermal energy supply/demand balance, and operation constraints on the multi-type energy supply devices, to determine respective numbers or energy supply capacity of the multi-type energy supply device. With embodiments of the present disclosure, it may achieve an optimal capacity termination which could provide a significant cost saving and at the same time guarantees the operation reliability of the micro grid. | 2017-10-26 |
20170308969 | System, method, and apparatus for settlement for participation in an electric power grid - Systems and methods for market-based financial settlement of transactions within an electric power grid are disclosed. At least one active grid element is constructed and configured in Internet Protocol (IP)-based network communication with a settlement processor via at least one coordinator in real-time or in a predetermined timeframe. The at least one active grid element generates revenue grade metrology data based on measurement and verification for a participation of the at least one active grid element in the electric power grid. The at least one active grid element provides automated messaging to the settlement processor. The settlement processor provides a market-based financial settlement message based upon the revenue grade metrology data and a kilowatt packet (KWP) unit. The KWP unit provides a quantifying market rate for monetization for any unit of kilowatts with respect to time. | 2017-10-26 |
20170308970 | SYSTEMS AND METHODS FOR FACILITATING CLOSING OF A CHECK - Various methods are described for facilitating closing and payment of a check. One example method may comprise performing an action with a mobile device proximate a physical location associated with the check. The method may further comprise receiving in response a location identifier associated with the physical location. Additionally, the method may comprise determining the check to be closed based at least in part on the location identifier. Another example method may comprise performing an action with a mobile device proximate a folio device. The method may further comprise receiving in response a folio device identifier associated with the folio device. Additionally, the method may comprise providing for transmission of the check information to the folio device based at least in part on the folio device identifier. Similar and related methods, apparatuses, and computer program products are also provided. | 2017-10-26 |
20170308971 | METHOD OF ORGANIZATION OF PASSENGER TRAVEL IN A TRANSPORT SYSTEM, ASSOCIATED COMPUTER PROGRAM PRODUCT AND SYSTEM OF ORGANIZATION - This method for organizing passenger travel is implemented by a computer system and includes the following steps: collecting ( | 2017-10-26 |
20170308972 | IMPROVED CUSTOMER PROFILING SYSTEM AND METHOD THEREFOR - A customer profiling system and method are described. The system comprises a receiver for receiving event trigger data in response to a customer interacting with an environment; a processor configured to: uniquely determine customer identifier data associated with the event trigger data; and to associate the event trigger data with a customer profile associated with the unique customer identifier. | 2017-10-26 |
20170308973 | ENERGY SAVING SUPPORT SYSTEM - An energy saving support system according to an embodiment is configured to provide a consumer, who has an electric load to which electric energy is supplied from an electric power supply system within a house, with energy consumption-related information through a photo frame or the like. The information providing apparatus is configured to acquire an acceptability level, which stepwise indicates a degree of interest of the consumer in the energy consumption-related information, and to determine the energy consumption-related information to be newly provided to the consumer based on the acceptability level. | 2017-10-26 |
20170308974 | SYSTEMS AND METHODS FOR MANAGING THE ACQUISITION AND MANAGEMENT OF SITES - The management and acquisition of sites (e.g., parking sites) in a manner that provides continuity of data access and storage during the transition of a site from one management entity to another is discussed. Also discussed are methods and systems for ensuring transparency regarding the current status and time to closing for a transaction involving sites. | 2017-10-26 |