48th week of 2021 patent applcation highlights part 62 |
Patent application number | Title | Published |
20210374769 | METHOD AND APPARATUS FOR SOCIAL NETWORK QUALIFICATION SYSTEMS - There is provided a method and system for qualification testing in a social network service. Qualification testing provides access control into a social network, wherein qualification is based on answers to questions related to a topic. In one example, members admitted to the network provide guidance, notes and research assistance to another member. The social network members access the social network from an external networked computing service, such as another social network, to facilitate easy connection to potential members. The social network may be implemented as an application overlay to the external service, or may access connections in the external network. | 2021-12-02 |
20210374770 | MEASURING SUCCESSFUL INSIGHT TOOL INTERACTIONS - The present disclosure involves systems, software, and computer implemented methods for measuring successful interactions with an insight tool. One example method includes receiving a request for insights for a data point of a data visualization. Insights for the data point are identified and presented in an insights interface in a user session. User interactions with the insights interface are tracked during the user session. A determination is made that the user session has completed. At least one insights success rule is identified for determining whether user sessions with the insights interface are successful. The one or more insights success rules are evaluated to determine whether the user session was successful. In response to determining that the user session was successful, a measure of success for the user session is recorded. In response to determining that the user session was unsuccessful, a measure of failure is recorded for the user session. | 2021-12-02 |
20210374771 | DATA ANALYSIS SUPPORT APPARATUS AND DATA ANALYSIS SUPPORT METHOD - A data analysis support apparatus is configured to acquire first result information which is result information acquired for a product produced through a prescribed step, and which includes information indicating a first processing time period which is a processing time period of the step for a first number of the products, and second result information which is result information including information indicating a second processing time period which is a processing time of the step for a second number of the products produced through the step, the second number being different from the first number, and convert the first result information and the second result information into a plurality of result information sets by performing time-division of the first result information and/or the second result information such that the result information sets each indicate a time period taken to perform the step for the same unit number of the products. | 2021-12-02 |
20210374772 | METHODS AND APPARATUS TO MODEL CONSUMER CHOICE SOURCING - Methods and apparatus are disclosed to model consumer choices. An example method includes adding, with a processor, a set of products having respondent choice data to a base multinomial logit (MNL) model, the base MNL model including an item utility parameter and a price utility parameter associated with corresponding ones of products in the set of products, generating, with the processor, a number of copies of the base MNL model to form an aggregate model based on a number of the corresponding ones of products in the set of products, each one of the number of copies of the base MNL model exhibiting an effect of an independence of irrelevant alternatives (IIA) property, proportionally affecting interrelationships, with the processor, between dissimilar ones of the number of products in the set by inserting sourcing effect values in the aggregate model to be subtracted from respective ones of the item utility parameters, estimating, with the processor, the item utility parameters of the aggregate model based on the number of copies of the base MNL model and the respondent choice data, and calculating, with the processor, the choice probability for the corresponding ones of the products in the set of products based on the estimated item utility parameters and the price utility parameters. | 2021-12-02 |
20210374773 | AUTOMATIC MOVIE PERFORMANCE PREDICTOR - A prediction of the performance of a movie is generated in response to receiving an identifier of the movie. Features of the movie are identified and a set of similar movies is identified based on the features. Performance statistics are calculated for the set of similar movies that indicate the average financial performance of those movies and a prediction of performance for the movie is generated based on the performance statistics. The prediction is provided for presentation to a user. | 2021-12-02 |
20210374774 | SYSTEMS AND METHODS FOR PROVIDING VENDOR RECOMMENDATIONS - A method includes determining a vendor interaction preference profile of a customer, which may include: receiving one or more vendor reviews authored by the customer; performing a content analysis process on the reviews to associate at least one review with at least one quality in a predetermined set of qualities; and performing a sentiment analysis process on the at least one associated review to determine a respective customer preference index value for each quality in the predetermined set of qualities. Additionally, the method may include comparing the vendor interaction preference profile of the customer with an interaction profile of a vendor that may include a respective interaction index value for each quality in the predetermined set of qualities. A predicted interaction metric of the vendor with the customer may be determined based on the comparing, and may be caused to be displayed on a customer device associated with the customer. | 2021-12-02 |
20210374775 | PREDICTIVE SITUATION VISUALIZATION DEVICE, PREDICTIVE SITUATION VISUALIZATION METHOD AND PREDICTIVE SITUATION VISUALIZATION PROGRAM - A prediction result output unit 81 outputs a prediction result in which a predicted value and an actual value are associated with each other, in a predetermined series. An input unit 82 accepts from a user a designation of the prediction result in the output series. A basis output unit 83 outputs a basis for the predicted value in the prediction result for the accepted designation. The basis output unit 83 outputs, as the basis for the predicted value, a product value for each of explanatory variables in a prediction formula used for the prediction, the product value being calculated by multiplying a value of an explanatory variable by a coefficient of the explanatory variable. | 2021-12-02 |
20210374776 | METHODS, SYSTEMS, ARTICLES OF MANUFACTURE, AND APPARATUS TO ENHANCE MARKET RESEARCH DATA COLLECTION QUALITY - Methods, systems, articles of manufacture, and apparatus to enhance market research data collection quality are disclosed. An example apparatus includes at least one memory: instructions; and at least one processor to execute the instructions to: aggregate marketing and sales data into a pool of data packets associated with different stores, the data packets including collection information associated with sales of a particular product sold at the corresponding ones of the different stores; classify different ones of the data packets into either an accurate data packet set or an inaccurate data packet set; determine whether to request replacement collection information for a first data packet in the inaccurate data packet set; and in response to a determination to request replacement collection information, cause transmission of a request to a data collector to provide the replacement collection information. | 2021-12-02 |
20210374777 | CUSTOMER LOYALTY DASHBOARD - An instrument for measuring and presenting customer impressions of a vendor uses response values of survey questions to develop a consumer loyalty score, vendor attribute score, and/or a consumer experience score. The scores may be presented with other score sets for other vendors to provide a simple and consistent comparison of vendors. Vendor characteristics and/or categories are modeled to more accurately reflect the importance of specified characteristics and/or categories that affect consumer loyalty. | 2021-12-02 |
20210374778 | USER EXPERIENCE MANAGEMENT SYSTEM - A user experience management system obtains survey results providing insight on the user's experience with provided products and services. Periodically, the user experience management system uses these results in conjunction with the help desk data and the user experience management system monitoring data to identify the set of problems with specific products and services on a granular level. The product management system generates a resolution to address a problem definition generated by the user experience management system. The user experience management system monitors the resolution and updates the database with data pertaining to the resolution. Other embodiments are disclosed herein. | 2021-12-02 |
20210374779 | METHODS AND APPARATUS TO DETERMINE THE PROBABILITY OF PRESENCE - Methods, apparatus, systems and articles of manufacture are disclosed for determining a probability of presence for a user of a first device at a second media presentation with a second device. An example apparatus includes memory, instructions in the apparatus, and processor circuitry to execute the instructions to determine a first probability of presence based on a first demographic impression, a non-demographic impression, and a shared data item, the first demographic impression logged by a database proprietor for a first device, the shared data item provided by the first device, the first probability of presence indicative of a likelihood that a user of the first device corresponds to the non-demographic impression. | 2021-12-02 |
20210374780 | LOCATION POINT OF INTEREST GENERATION SYSTEM - Systems and methods are provided for partitioning a geographical area to generate a plurality of partitions for the geographical area, determining a plurality of points of interest located in the geographic area, determining a popularity of each of the plurality of points of interest based on a trip count comprising at least one of a number of ridesharing pickups or a number of ride-sharing drop-offs at the point of interest, and for each partition of the plurality of partitions of the geographical area, determining one popular point of interest located within the partition and associating the one popular point of interest with the partition. | 2021-12-02 |
20210374781 | SYSTEMS AND METHODS FOR IMPROVING THE LIQUIDITY AND DISTRIBUTION NETWORK FOR LUXURY AND OTHER ILLIQUID ITEMS - Systems and methods for improving the liquidity and distribution network for luxury and other illiquid items are provided. These systems and methods preferably include the trading of futures and options contracts, which will provide the liquidity and distribution network for luxury items. Possible embodiments of these systems and methods include the trading of futures and options contracts for diamonds and wine. Another embodiment of this invention preferably includes generating indexes for diamond prices, wine prices, luxury item prices, housing values, mortgage prepayments, privately-held companies or for anything with from sufficiently liquid points of value. Another embodiment of this invention preferably includes a centralized data base for retrieving closing and current auction prices for determining the value of, and best method for the auctioning of various items. The data provided by this data base would improve liquidity by creating greater price transparency. | 2021-12-02 |
20210374782 | SPECTATOR AND PARTICIPANT SYSTEM AND METHOD FOR DISPLAYING DIFFERENT VIEWS OF AN EVENT - A spectator system and method that displays different views of an event, such as a sporting event, and in particular uses a position selected by the spectator to assist in displaying a view from the selected position. The spectator, using an internet device can zoom, pan, tilt and change the view, as well as change the view to another position, such as a finish line, goal, or a participant position (e.g. Driver of car #3 or Tiger Wood's position). The starting viewing position can be specified, as well as the target position or orientation from the starting viewing position. Vital information on the sporting event or a participant can be appended to the view. In some forms, artificial reality or any geographic referenced datasets can be used and combined, such as 3D imagery or 3D renderings, to enhance the experience. | 2021-12-02 |
20210374783 | ANALYZING IMAGES TO ASSESS TASK PERFORMANCE - A non-transitory computer-readable medium includes instructions that when executed by a processor cause the processor to perform a method for assessing quality of tasks performed by persons in retail stores. The method may include receiving an indication that a person completed a task corresponding to at least one shelf in a retail store. The method may also include receiving at least one image of the at least one shelf, the at least one image being captured using an image sensor after the completion of the task. The method may further include analyzing the at least one image to determine at least one property associated with performing the task. The method may further also using the at least one property to determine a reward for performing the task. | 2021-12-02 |
20210374784 | METHOD FOR INCORPORATING A PRODUCT IN A MULTI-LEVEL MARKETING SYSTEM AND ALLOWING USER TO MOTIVATE THEIR DOWNLINE - The present disclosure is directed to a system and method that allows sellers of products to share promotional materials and communicate with other individuals in new ways. The sharing of promotional materials and commonality in product purchase histories may be used to enroll an individual product in a multilevel marketing (MLM) system. Members of an MLM organization may share promotional materials, send communications to numerous followers, or communicate with other members indirectly via a centralized computer or directly from one user device to another user device. Such methods allow a user to share information about products with related users based on the user's sharing a common purchase history. The sharing of this product related information may motivate users to purchase products based on the promotional materials including product insights or discounted prices regarding products offered for sale by an MLM organization. | 2021-12-02 |
20210374785 | SELECTING A VIRTUAL CREDIT CARD FOR PURCHASING PRODUCTS FROM A MERCHANT FROM USER ACCOUNT INFORMATION - An online system receives financial account information for a user, such as debit card information, from a merchant system with which the user places an order. From the financial account information, the online system selects a virtual credit card providing one or more rewards, such as cashback, to the user. Based on characteristics of the order by the user, the online system identifies one or more offers, such as discounts or rebates, applicable to the order. The online system provides the virtual credit card information to the merchant system and stores the virtual credit card information, as well as information describing one or more identified offers for the order in association with the user and the virtual credit card, in an account maintained for the user. Rewards may be stored in the user's account at the online system for application when using the virtual credit card associated with the user. | 2021-12-02 |
20210374786 | SYSTEM AND METHOD FOR RECEIVING REAL-TIME CONSUMER TRANSACTIONAL FEEDBACK - Systems, methods, and storage media for operating a wireless device are disclosed. Exemplary implementations may: receive information pertaining to a trigger event, wherein the trigger event relates to a transaction associated with a consumer and the transaction comprises an identifier associated with the consumer; based on the trigger event: generate a survey comprising one or more requests for information related to the transaction, select an incentive offer from an incentive offer database, transmit, for display on a wireless device of the consumer, a notification to the wireless device, wherein the notification comprises the survey and information pertaining to the incentive offer; receive one or more responses to the survey; and responsive to receiving the one or more responses, store the incentive offer in a digital wallet associated with the identifier. | 2021-12-02 |
20210374787 | INCORPORATING A PRODUCT IN A MULTI-LEVEL MARKETING SYSTEM - The present disclosure is directed to a system and method to allow sellers of products to establish individual products in a multilevel marketing (MLM) commission system, where the product is offered and sold to a first purchaser—who then actively by requesting a code, or passively, through the purchase of the product, becomes a user of the commission system. This user is provided a code such that the code may be passed onto followers of the registered user. The registered user will be allowed to advertise the product to a second purchaser and the second purchaser will be allowed to purchase the product and provide advertisements to other purchasers. Commissions paid to respective downline purchasers for a single product may be limited by a preset number of defined levels. The code may be embedded in a media file which may then be shared on social media. After a product is purchased, commissions are paid out to each respective purchaser according to the defined commission levels. | 2021-12-02 |
20210374788 | PASSIVE USER-GENERATED COUPON SUBMISSION - Successful application of a coupon code on an e-commerce website is detected via network request tracking and page data tracking. Upon coupon application, the coupon code is stored, for example in a server-based database. The coupon code is then automatically applied to subsequent e-commerce purchases whose parameters match the requirements for the coupon. The coupon can be automatically applied to purchases made by the same user and/or other users, as applicable. | 2021-12-02 |
20210374789 | SYSTEMS AND METHODS OF IMPLEMENTING AT RESELLER FLEXIBLE AND CUSTOMIZABLE ARCHITECTURE OF TRANSACTION LEVEL SECURITY, AUTHENTICATION AND DIGITAL VERIFICATION OF COUPONS THAT IS CUSTOMER-CENTRIC - The systems and methods of flexible and customizable coupon deals for a distribution network of products through clinics, comprising: presenting a coupon library with available coupons together with their applicability requirements; allowing opt-in or opt-out; for two or more of the clinics participating: customizing the coupon library for one of the clinics; creating rules that indicate details for a transaction to qualify for each coupon; analyzing a transaction viz-a-viz the coupons that the clinic has opted into; generating a redemption based on the successful application of the rules for the coupons to the transaction; generating line item triggers to list applicable coupon offers; and receiving indication on accepted coupon offers; scaling customized sets of the coupons for two or more of the clinics to transactions received from the clinic; conforming the customized sets of the coupons across the distribution network of products. | 2021-12-02 |
20210374790 | SYSTEMS AND METHODS FOR OPTIMIZING ALLOCATION OF POINTS - In one aspect of the present disclosure, a device includes one or more memories having computer-readable instructions stored therein and one or more processors. The one or more processors are configured to execute the computer-readable instructions to receive, over a period of time, information regarding transactions conducted in association with a user account; identify a category associated with one or more of the transactions based on the information, wherein identifying yields a number of categories; generate a ranking of the categories based on a transaction parameter; assign a different number of points to corresponding transactions in one or more of the categories based on the ranking, with a highest number of points assigned to the corresponding transactions in at least one category with highest ranking; and apply the corresponding number of points to the user account. | 2021-12-02 |
20210374791 | SYSTEM AND METHOD FOR ON-CHAIN REWARDS - Systems and methods to at least provide rewards using a smart contract are disclosed. | 2021-12-02 |
20210374792 | SYSTEMS AND METHODS FOR A TRUST-BASED REFERRAL SYSTEM UTILIZING A MOBILE DEVICE - The referral system described herein can give users the ability to recommend a vendor (such as, e.g., a company or a service provider) to another user via electronic sharing of a dynamically generated code when one or more pre-established conditions have been met, such as when the vendor has submitted a qualifying offer to the referral system and the user is verified to have previously utilized the referral system to redeem a prior offer of the given vendor. | 2021-12-02 |
20210374793 | Methods and Apparatus for Transmitting Multimedia Files in a Data Network - In one implementation a method of transmitting a multimedia file over a data network is provided that involves receiving from a device in a data network a first message in a first protocol that request first data associated with the multimedia file, the first data being useable by the device to establish a streaming session that involves a transmission of the multimedia file. The first message includes identifying data of a referring site. The method also involves transmitting to the device the first data and optionally the identifying data of the referring site and then receiving from the device a second message in a second protocol for the purpose of creating a streaming session associated with the multimedia file. A streaming session is then created for transmitting the multimedia file to the device. In another implementation a method is provided that involves receiving in a computing device from a referring site an identifier of first data associated with a multimedia file and identifying data of the referring site, wherein the first data is useable for establishing a streaming session for downloading the multimedia file. The method further involves transmitting from the computing device a first message in a first protocol that requests the first data associated with the multimedia file and receiving in the computing device the first data. Upon receiving the first data the computing device transmits a second message in a second protocol for the purpose of creating the streaming session associated with the multimedia file, the second message including the first data and the identifying data of the referring site. The computing device then receives via the streaming session, all or a portion of the multimedia file. In some implementations, the first protocol and the second protocol are the same. | 2021-12-02 |
20210374794 | SYSTEM AND METHOD FOR IMPLEMENTING A ONE-STOP ADVERTISING CAMPAIGN THROUGH A NON-DIGITAL ADVERTISING MEDIUM - A system and method for implementing a one-stop advertising campaign through a non-digital advertising medium provides a single platform for an advertiser to implement an advertisement on a non-digital advertising medium. The advertiser, through a one-click functionality on the platform, selects the advertising medium, the advertising-related workers to implement the advertisement, the advertising costs, and the timeline for advertising on the advertising medium. One or more advertising-related workers upload skill sets and fees for the advertiser to review before selecting. The system generates recommendations of appropriate workers to implement the advertisement campaign based on needs of the advertiser. The system also integrates sensors and/or positioning systems into the advertising media to detect the numbers, physical features, relative position, and movement pattern of consumers in proximity to the advertising medium. This allows a processor and algorithms to generate consumer data useful to the advertiser for marketing and setting advertising costs. | 2021-12-02 |
20210374795 | METHOD FOR ADVERTISEMENT-PUSHING IN OUTDOOR ADVERTISING BASED ON VISITOR FLOW, APPARATUS, ELECTRONIC DEVICE, AND STORAGE MEDIUM THEREOF - A method applied to outdoor advertising for displaying a particular advertisement or particular type based on visitor flow includes acquiring images in a predetermined time duration, identifying specified targets in the acquired images, and counting members of specified target as different target member flows. A category of advertising content is matched based on different target member flows for extracting a specified number of adverts in the matching category. The extracted adverts repeatedly scroll on the electronic device after a specified time internal. An apparatus, an electronic device, and a storage medium applying the method are also disclosed. | 2021-12-02 |
20210374796 | MEDIA USAGE MONITORING AND MEASUREMENT SYSTEM AND METHOD - Media monitoring and measurement systems and methods are disclosed. Some embodiments of the present invention provide a media measurement system and method that utilizes audience data to enhance content identifications. Some embodiments analyze media player log data to enhance content identification. Other embodiments of the present invention analyze sample sequence data to enhance content identifications. Other embodiments analyze sequence data to enhance content identification and/or to establish channel identification. Yet other embodiments provide a system and method in which sample construction and selection parameters are adjusted based upon identification results. Yet other embodiments provide a method in which play-altering activity of an audience member is deduced from content offset values of identifications corresponding to captured samples. Yet other embodiments provide a monitoring and measurement system in which a media monitoring device is adapted to receive a wireless or non-wireless audio signal from a media player, the audio signal also being received wirelessly by headphones of a user of the monitoring device. | 2021-12-02 |
20210374797 | SYSTEMS AND METHODS FOR AUTOMATIC HASHTAG EMBEDDING INTO USER GENERATED CONTENT USING MACHINE LEARNING - One or more aspects of the present disclosure are directed to a digital social medial platform configured to automatically identify and tag elements in an upload content using machine learning techniques. In one aspect, a method includes receive media content; automatically identify one or more elements and associated metadata in the media content using a machine learning technique; embed one or more hashtags within the media content, each of which corresponds to one of the one or more elements identified in the media content; publish the media content with the one or more hashtags; track engagements of one or more users with the media content having the one or more hashtag to yield a set of statistics; and generate a user-specific loyalty identifier for a user associated with the media content, based on the set of statistics. | 2021-12-02 |
20210374798 | LOCATION BASED CONSUMER INTERFACE FOR RETAIL ENVIRONMENT - A location based consumer interface for retail environments includes a plurality of data packet generators distributed around a retail store. The data packet generators include a wireless communication device and are configured to wirelessly transmit codes to mobile computing devices in the retail store. The codes are received by the mobile computing devices, and can be used to present promotional or other content to the consumer, such as content related to the consumer's current location within the store. The codes can also be used for other purposes, such as for use as part of a store rewards program. In some embodiments a vendor is charged a fee for presentation of the content to the consumer. | 2021-12-02 |
20210374799 | ITERATIVE PROCESS FOR INTELLIGENTLY MODELING A DIVERSE PORTFOLIO OF AVAILABLE CONTENT - Various methods are provided for intelligently modeling a diverse promotion portfolio. One example method may comprise utilizing an analytical model to intelligently generate a proposed promotion portfolio of available promotions by performing an iterative process in which a determination is made as to whether the proposed promotion portfolio that is generated projects a predicted revenue that at least meets the target revenue over the predefined period of time for the geographic area, in an instance in which the determined proposed promotion portfolio value fails to meet the target revenue over the predefined period of time for the geographic area, repeating the iterative process and altering the weighting values, in an instance in which the determined proposed promotion portfolio value at least meets the target revenue over the predefined period of time for the geographic area, ending iterative process, and generating the inventory of promotions in accordance with the proposed promotion portfolio. | 2021-12-02 |
20210374800 | SYSTEMS, METHODS AND PROGRAMMED PRODUCTS FOR DYNAMICALLY CAPTURING, OPTIMIZING AND DISPLAYING CONTENT ON PUBLIC AND SEMIPUBLIC DIGITAL DISPLAYS - A system and method for dynamically tracking and capturing content and displaying the content on public or semi-public non-personal digital displays. In exemplary embodiments, the content may include an urgent notification that is displayed within a slot of looped content with the manner in which the urgent notification is displayed depending on the level of urgency and attributes of the non-personal digital displays. | 2021-12-02 |
20210374801 | INTELLIGENT COMMUNICATIONS PLATFORM - Methods, systems, and computer programs are presented for the determination of optimal communication scheduling. Send Time Optimization (STO) uses machine learning (ML) to recommend a personalized send time based on a recipient's past engagement patterns. The purpose of the ML model is to learn patterns in the data automatically and use the patterns to make personalized predictions for each recipient. The send time recommended by the model is the time at which the model believes the recipient will be most likely to engage with the message, such as clicking or opening, and use of the send time mode is expected to increase engagement from recipients. Additional customizations include communication-frequency optimization, communication-channel selection, and engagement-scoring model. | 2021-12-02 |
20210374802 | Message-transmittal strategy optimization - Methods, systems, and computer programs are presented for the determination of optimal communication scheduling. One method includes an operation for training a machine-learning program to generate a frequency model that determines a frequency for sending communications to users. The training utilizes training data defined by features related to user information and responses of users to previous communications to the users. The method further includes determining, by the frequency model and based on information about a first user, a first frequency for the first user. The first frequency identifies the number of communications to transmit to the first user per period of time. Further, the method includes operations for receiving a communication request to send one or more communications to the first user and determining send times for the one or more communications to the first user based on the first frequency. The communications are sent at the determined send times. | 2021-12-02 |
20210374803 | FACILITATION OF ARTIFICIAL INTELLIGENCE PREDICTIONS OF TELECOMMUNICATIONS CUSTOMERS - Machine learning (ML) can be used to gather data on prospective customers from publicly available online sources. The ML can provide data on a likelihood of near future, customers and subscribers and a list of people with low interest in the company's products. The ML system can be recursively updated as new public data becomes available online. Thus, the ML system can be used to generate targeted advertising and root cause analysis based on a relationship between people's statuses and their respective interests in certain products and/or services. | 2021-12-02 |
20210374804 | SEARCH SYSTEM, SEARCH METHOD AND PROGRAM - Search means ( | 2021-12-02 |
20210374805 | SYSTEMS AND METHODS FOR DYNAMIC ROAD SIGN PERSONALIZATION - Systems and methods are provided for presenting personalized information to one or more vehicle occupants as a vehicle approaches and/or passes a road sign. Characteristics of a vehicle, e.g., operating conditions, characteristics of the one or more vehicle occupants, e.g., age, demographic, driving record, purchase history, etc. and/or road conditions, e.g., weather-related road conditions, current traffic conditions, etc., may be obtained. Information relevant to the one or more vehicle occupants based on one or more of these characteristics/conditions may presented to the one or more vehicle occupants. In scenarios where the presentation of personalized information is unwanted/unwarranted, more generalized information and/or safety warnings or recommendations can be presented. | 2021-12-02 |
20210374806 | Apparatus and Method for Implementing a Communication from a Premises Display Apparatus to a Personal Display Apparatus - An apparatus and a method for displaying content of a third party to a cellular phone of a patron of premises are shown and described. The premises may be for example a restaurant in which a premises display apparatus which is part of the apparatus system is placed on a table used by the patron. The patron may utilize the premises display apparatus to cause a particular commercial solicitation by the third party to appear on a screen of his or her cellular phone by an initiating action by the patron. The communication may be a commercial transaction completed using the cellular phone. The premises display apparatus selectively enables a generic menu of third party icons, or a home web page of one or more third parties, or another specific web page of any selected third party or via an application to be displayed on the cellular phone. | 2021-12-02 |
20210374807 | SYSTEMS AND METHODS FOR AD-SUPPORTED MOBILE DATA PLANS OR IN-APP PURCHASES - Methods are disclosed for providing an ad-supported mobile data plan, where ad display may be tied to data usage levels and user input. A method includes receiving, using at least one processor, user interaction with advertisement content displayed on a device; retrieving, using the at least one processor, a data usage limit associated with the device; and causing a change in the data usage limit based on the user interaction with the advertisement content displayed on the device. | 2021-12-02 |
20210374808 | CUSTOMIZING ELECTRONIC COUPON SYSTEM & METHOD - A coupon system is disclosed that allows for the issuance of a personalized electronic coupon book. A user may communicate with the coupon system via a computer. Using this computer, the user may review a list of coupon sponsors on the coupon system, and may select a plurality of coupon sponsors for inclusion in the user's electronic coupon book. | 2021-12-02 |
20210374809 | ARTIFICIAL INTELLIGENCE TECHNIQUES FOR BID OPTIMIZATION USED FOR GENERATING DYNAMIC ONLINE CONTENT - Techniques are disclosed for real-time bidding (e.g., for dynamic online content placement) using an optimized final bid. The final bid is determined based on a predicted clearing price and an initial bid. The initial bid represents a value to a prospective content provider, and may be computed based on campaign information. The predicted clearing price is a predicted amount paid, and may be predicted using a model trained using historical winning bids data. The clearing price may be predicted using a quantile regression model, where the quantile can be selected to control bid aggressiveness. In some cases, the quantile is determined based on pacing in an overall campaign. Once the initial bid and the predicted clearing price are calculated, the final bid is computed based on the initial bid and the predicted clearing price. | 2021-12-02 |
20210374810 | SMART BROADCASTING DEVICE - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for broadcasting audio. In one aspect, the method includes receiving, from a server by a smart broadcasting device associated with a service client, an audio broadcast instruction; in response to receiving the audio broadcast instruction, downloading an audio file corresponding to the audio broadcast instruction, wherein the audio file comprises a marketing content related to services provided by the server to the service client associated with the smart broadcasting device; and broadcasting, by the smart broadcasting device, the audio file by using a speaker of the smart broadcasting device. | 2021-12-02 |
20210374811 | AUTOMATED IDENTITY RESOLUTION IN CONNECTION WITH A CAMPAIGN MANAGEMENT PLATFORM - An intelligent campaign platform is provided for managing non-profit campaigns. In embodiments, the platform is configured to obtain data relating to a number of individuals and resolve the identities of the individuals using multiple data sources to improve lead prioritization, donor prediction models accuracy, and/or identification of potential contributors to the campaigns. In embodiments, the identity resolution may include querying a first attribute data collection with a unique identifier of the respective lead to obtain a first set of attributes of the respective lead; querying a second attribute data collection with the unique identifier of the lead to obtain any other unique identifiers associated with the lead and querying the first attribute data collection with the one or more other unique identifiers to obtain a second set of attributes of the respective lead. | 2021-12-02 |
20210374812 | METHODS AND SYSTEMS FOR TRAINING AND LEVERAGING DONOR PREDICTION MODELS - The present disclosure relates to a campaign management platform that manages campaigns on behalf of an organization. In embodiments, a method includes receiving organizational data from the organization that indicates donor outcome data and attributes of previous donors to previous campaigns of the organization. The method includes determining random individual data of a plurality of random individuals including attributes thereof. The method also includes generating training data based on the donor outcome data and the random individual data and training a machine-learned donor prediction model based on the training data that is trained to receive a set of attributes of an individual and determine a likelihood that the individual will donate to the campaign based on the set of attributes of the individual, where the donor prediction model may be leveraged to determine whether a lead of the campaign is likely to contribute to a campaign of the organization. | 2021-12-02 |
20210374813 | INCORPORATING REVIEWS OF A PRODUCT OR SERVICE IN A MULTI-LEVEL MARKETING SYSTEM - The present disclosure is directed to a system and method to allow sellers of products to establish individual products in a multilevel marketing (MLM) commission system, where the product is offered and sold to a first purchaser—who then actively by requesting a code, or passively, through the purchase of the product, becomes a user of the commission system. This user is provided a code such that the code may be passed onto followers of the registered user. The registered user will be allowed to advertise the product to a second purchaser and the second purchaser will be allowed to purchase the product and provide advertisements to other purchasers. Commissions paid to respective downline purchasers for a single product may be limited by a preset number of defined levels. Users will be able to review products they have purchased. After a product is purchased, commissions are paid out to each respective purchaser according to the defined commission levels. | 2021-12-02 |
20210374814 | A RECONCILIATION SYSTEM BASED ON HYBRID CLOUD COMPUTING PLATFORM AND ITS RECONCILIATION METHOD - The invention provides a reconciliation system and method based on a hybrid cloud computing platform. The reconciliation system includes: a bill data processing module, processing data from a public cloud billing API or downloaded bill detailed files; a data monitoring processing module, processing the data collected from the resource pool of the computing management system resource pool and task resource requested; a task data processing module obtaining and processing task data from the task database of the computing scheduling system, and calculating the core hours that the tasks consumed; a statistical alarm module combining the resource data table obtained by the above three modules to obtain the utilization ratio and difference range of the computing task packing can realize the reconciliation alarm and prediction for task core hours. The computing power demand for a large number of existing tasks can be used to guide the purchase of computing power in the future. | 2021-12-02 |
20210374815 | AN AUTOMATED STORE - An automated store includes a modular shelving structure and an autonomous robotic apparatus that operates to transfer items to and from the shelving structure. | 2021-12-02 |
20210374816 | MANAGEMENT APPARATUS AND VEHICLE SALES SYSTEM - A server includes a management information DB that stores management information indicating whether or not each of a plurality of vehicles falls under a subject vehicle for which battery replacement timing is managed. An information processing apparatus of the server includes an estimator that estimates a degree of deterioration of a secondary battery mounted on the subject vehicle based on history information showing history of use of the secondary battery mounted on the subject vehicle and a notification unit that transmits a battery replacement alarm (a notification signal that gives a notification about battery replacement timing of the subject vehicle) when the estimated degree of deterioration of the secondary battery reaches a prescribed threshold value. | 2021-12-02 |
20210374817 | METHOD AND SYSTEM FOR MANAGING SHIPMENT INFORMATION - A computer program, method, and system for managing shipping transactions provide a graphical user interface that contemporaneously displays a list of shipment requests and one or more interface elements. The shipment requests each display information about a shipment request including a plurality of carriers and associated bid statuses. The interface elements include a create shipment requests interface element that receives a user input. Upon receiving the user input the graphical user interface displays a create shipment request screen that allows a shipper to create multiple shipment requests and send them to at least one carrier. The carrier receives a communication regarding the shipment request and the communication includes a prompt to respond. In response to the prompt a second graphical user interface is displayed to the carrier that allows further communication with the shipper regarding the shipment request. | 2021-12-02 |
20210374818 | SYSTEMS AND METHODS FOR AUTOMATIC SUBSCRIPTION-BASED ORDERING OF PRODUCT COMPONENTS - Systems and methods are disclosed herein for automatic subscription-based ordering of product components. During display of media content, the system receives a voice input and determines that the voice input indicates interest in a product. The system identifies the components required to create the product and identifies a subscription to an automated shopping service. Upon identifying the subscription, the system determines whether required components are available via the automated shopping service. Further, the system excludes components that were previously purchased via the automated shopping service, and the system automatically places an order through the automated shopping service for the remaining components. | 2021-12-02 |
20210374819 | SYSTEM AND METHOD FOR DECENTRALIZED MARKETPLACES - A method for distributed application distribution may include: (1) receiving, at a first decentralized marketplace instance in a distributed ledger network and from a first node of the plurality of nodes, the first node associated with a distributed application creator, a distributed application; (2) making available, by the first decentralized marketplace instance, the distributed application to decentralized marketplace instances, wherein the first node is configured to provide the distributed application to a second node, the second node associated with a distributed application collaborator; (3) receiving, at a second decentralized marketplace instance and from the second node, a modified version of the distributed application; and (4) making available, by the second decentralized marketplace instance, the modified version of the distributed application to the decentralized marketplace instances, wherein the second node is configured to provide the distributed application to a third node, the third node associated with a distributed application consumer. | 2021-12-02 |
20210374820 | STEP THROUGH PROCESS OF GENERATING CUSTOM JEWELRY - A server for generating custom jewelry through a step-by-step customization process can be configured to send display instructions over a network to display a plurality of available selections for a first customization option at a remote computer system. The server can also access a first product photo based on a user selection at the remote computer system of an available selection for the first customization option. Further, the server can send display instructions over a network to display a plurality of available selections for a second customization option at the remote computer system. The server can then access an updated product photo based on a user selection at the remote computer system of an available selection for the second customization option. Finally, the server can send over the network display instructions to the remote computer system for the updated product photo. | 2021-12-02 |
20210374821 | REQUIREMENT-DRIVEN SELECTION OF BUILDING PRODUCTS AND BUILDING PRODUCT CONFIGURATIONS - A method includes receiving, via a user interface, target performance data for a building product configuration. Performance data for each of a plurality of building product configurations is automatically determined. Each of the plurality of building product configurations includes a glass product and a framing system. One or more satisfactory building product configurations are identified from the plurality building product configurations. The performance data of the one or more satisfactory building product configurations satisfies the target performance data. User-selectable configuration options are derived based, at least in part, on the one or more satisfactory building product configurations. Information related to the user-selectable configuration options is published to the user interface. A user selection of a building product configuration from the one or more satisfactory building product configurations is received. | 2021-12-02 |
20210374822 | SYSTEM AND PROCESS FOR THE IDENTIFICATION OF A USER-SELECTED ARTICLE, PRESENTATION OF DATA THEREOF AND ACQUISITION OF USER INTERACTION THEREWITH - A computerized system for providing article information to a customer, said system comprising an optical image acquisition device for acquiring an optical image of an area of interest (AOI) in which articles are display to a customer, a processor module operably in communication with the optical image acquisition device and for receiving an image input signal therefrom; and an output device in communication with the processor for providing an output signal to a customer: wherein upon the processor detecting the article being removed from the area of interest (AOI), the processor sends an output signal having article data associated with said article to said output device, and said output device provides an output to the customer of said article data. | 2021-12-02 |
20210374823 | PLANNING IMAGE SENSOR DEPLOYMENT - A method for planning deployment of image sensors may include determining a location of a store shelf within a retail store and obtaining a first coverage parameter corresponding to a first product type and a second coverage parameter corresponding to a second product type. The method may also include accessing a database to determine a first height of products of the first product type and a second height of products of the second product type, and determining a position for placing a camera configured to capture images of at least a portion of the store shelf by analyzing the location of the store shelf, the first coverage parameter, the second coverage parameter, the first height, and the second height. The method may further include providing, to a user interface of a user device, information relating to the determined position of the camera. | 2021-12-02 |
20210374824 | Method and an Apparatus for Searching or Comparing Sites Using Routes or Route Lengths Between Sites and Places Within a Transportation System - Embodiments relate to searching or comparing sites. One embodiment is a real estate search-or-compare method based on commute durations. The method efficiently processes public transportation and real estate property data to compute the durations of travel between the real estate properties and the vehicle stops. These durations are stored. A request framework is introduced that allows to express a wide range of search-or-compare requests. During request processing, the method identifies parts of the commute paths that depend on any real estate property. Because durations for these parts were precomputed and stored, the method can determine commute durations to every real estate property in a scalable manner. As a result, the method rapidly responds to requests within the real estate market of one of the largest metropolitan areas in existence today. Other embodiments include: searching or comparing based on a monetary cost, transportation using private cars, and sites other than real estate properties. A computer system and a computer service also embody the method. | 2021-12-02 |
20210374825 | GENERATING RELATIONSHIP DATA FROM LISTING DATA - Disclosed are systems, methods, and non-transitory computer-readable media for generating relationship data from listing data. A recommendation system accesses a listing posted to an online marketplace that offers an item for sale. The recommendation system identifies, from listing data included in the listing, a different listing posted to the online marketplace that is offering a recommended item for sale. The listing data is entered by a user that posted the listing to the online marketplace. The recommendation system categorizes the recommended item in a category of items that is related to the item. The recommendation system may generate item recommendation based on the category of items that is related to the item, such as an item recommendation identifying the listing offering the recommended item for sale. | 2021-12-02 |
20210374826 | METHODS AND SYSTEMS FOR GEOGRAPHICALLY TRACKING NOURISHMENT SELECTION - A system for geographically tracking nourishment selection including a computing device configured to receive a location from a user device associated with a user; determine a plurality of nourishment possibilities within the location; locate a performance character associated with the user, wherein the performance character contains a nourishment score; generate a user profile wherein the user profile comprises the location, the plurality of nourishment possibilities, and the performance character; generate a selector machine-learning process, wherein the selector machine-learning process utilizes the user profile as an input, and outputs a plurality of corresponding nourishment possibility indexes; and grade the plurality of nourishment possibilities using the plurality of corresponding nourishment possibility indexes. | 2021-12-02 |
20210374827 | METHODS AND SYSTEMS FOR DYNAMIC ADJUSTMENT OF A LANDING PAGE - A computer-implemented method for dynamically adjusting a landing page with a personalized recommendation to a user may include obtaining first image data of one or more vehicles via a device associated with the user; obtaining second image data of the one or more vehicles based on the first image data, wherein the second image data comprises at least a subset of the one or more images of the one or more vehicles; determining user preference data based on the second image data of the one or more vehicles via a trained machine learning algorithm, wherein the user preference data comprises one or more features of a user-preferred vehicle; determining the personalized recommendation to the user based on the user preference data, wherein the personalized recommendation comprises a personalized webpage showing information related to the user-preferred vehicle; and presenting, to the user, the personalized recommendation. | 2021-12-02 |
20210374828 | METHODS AND SYSTEMS FOR CONNECTING FOOD INTERESTS WITH FOOD PROVIDERS - A system for connecting food interests with food providers, the system including a computing device configured to receive, from each of a plurality of remote devices located in a specified location, a plurality of inputs containing food interest data; calculate, using a first machine-learning process, a nourishment intake theme for each of the plurality of remote devices; detect, a plurality of food providers located within the specified location providing a nourishment provision; identify, using a second machine-learning process; compare a remote device containing the nourishment intake theme with a food provider that offers a nourishment provision that compares the nourishment intake theme; and support transmission of the nourishment provision that compares the nourishment intake theme to the remote device. | 2021-12-02 |
20210374829 | METHODS, SYSTEMS, AND MEDIA FOR COORDINATING RECOMMENDATIONS - Mechanisms for coordinating recommendations are provided, the mechanisms comprising: receiving a first link that identifies a product to be recommended by a recommender and that is associated with a vendor server associated with a first domain; creating, using a hardware processor, a second link from the first link, wherein the second link identifies the product and wherein the second link is associated with a second domain that is different from the first domain; sending the second link to a recipient device as part of a recommendation of the product; determining, using the hardware processor, that the second link has been selected by a user of the recipient device; redirecting the recipient device to a vendor server identified by the first link; receiving information that a purchase was made in connection with the recommendation of the product; and causing a display to present commission information based on the purchase. | 2021-12-02 |
20210374830 | ESSENTIAL ACCESSORY RECOMMENDATIONS - A method includes determining, by a processor of a computing device, user behavior data comprising a plurality of ordered user interactions with a plurality of items via an electronic interface. The method further includes replacing, by the processor, each of the plurality of items in the user behavior data with a respective item type of a plurality of item types and replacing, by the processor, a predetermined number of the respective item types in the plurality of ordered user interactions with a respective parent item type of a plurality of parent item types from an item taxonomy. The method further includes inputting, by the processor, the plurality of ordered user interactions into a machine learning algorithm to train the machine learning algorithm to determine an anchor/accessory relationship between at least one of the plurality of item types and at least one of the plurality of parent item types. | 2021-12-02 |
20210374831 | SYSTEM AND METHOD FOR RELATIONSHIP LIFE CYCLE IDENTIFICATION AND RECOMMENDATION IN A SALES ENVIRONMENT - System and method comprising: collecting, using automated data collection, communication activity data about communication activities between a first entity and a second entity; computing, based on the collected communication activity data, time period based relationship scores corresponding to communications activities between the first entity and the second entity; computing, based on a plurality of the relationship scores corresponding to different time periods, a relationship trend score representing a trend in a relationship lifecycle between the first entity and the second entity; and outputting the relationship trend score. | 2021-12-02 |
20210374832 | AUTOMATICALLY DETERMINING IN REAL-TIME A TRIGGERING MODEL FOR PERSONALIZED RECOMMENDATIONS - A method including building a recommendation triggering model. The method can include receiving, via a user device of a user through a network, an add-to-cart command associated with an anchor item for the user. The method further can include determining, in real-time after receiving the add-to-cart command, a recommendation for one or more complementary items of the anchor item for the user. The method also can include determining, in real-time after determining the recommendation, a recommendation confidence for the recommendation. The method additionally can include after determining the recommendation confidence, when the recommendation confidence is positive, transmitting, in real-time through the network, the one or more complementary items to be presented to the user via the user device. The method likewise can include after determining the recommendation confidence, when the recommendation confidence is not positive, refraining from transmitting the one or more complementary items to the user. Other embodiments are disclosed. | 2021-12-02 |
20210374833 | MONITORING OF CUSTOMER CONSUMPTION ACTIVITY AND MANAGEMENT BASED ON MONITORING - A monitoring-based service providing system includes a table monitoring terminal associated with one of a plurality of tables in a venue, a central control terminal, and an order terminal associated with said one of the plurality of tables. The central control terminal includes a communication interface communicable with the table monitoring terminal, and a controller. The controller is configured to compare the image data received at first timing with the image data received at second timing after the first timing, determine a remaining amount of the consumable item based on a comparison result of the image data received at the first and second timing, and generate recommendation information upon the determining remaining amount decreasing to a predetermined threshold, and control the second communication interface to transmit the generated recommendation information. The order terminal includes a display, on which a recommendation screen is displayed based on the recommendation information. | 2021-12-02 |
20210374834 | Apparatus, Method, and System for Supplier Partnership Program - A method and software product for implementing the method of providing compensation from an on-line seller to a contractually unaffiliated retail outlet based on an on-line seller receiving an on-line order for a product from a customer. The on-line seller determines the identity of the retail outlet where showrooming of the product occurred, and contacts the retail outlet to offer payment associated with the on-line order of the product. | 2021-12-02 |
20210374835 | TRADE SERVICES PROVIDER LOCATING METHOD - A trade services provider locator method facilitated by a software application wherein multitude of service providers are able to be located and retained to provide a service by a requesting user. The software application of the present invention provides the service category, pricing and other parameters in addition to the geographic location of the service providers relevant to the requesting user. The geographic location of the service providers are displayed on a graphical map within the software application of the present invention wherein the icons are configured to identify the type of service that can be provided by the service provider and further identify the time window in which the service can be delivered. The user can utilize the method of the present invention to select services from more than different type of service provider simultaneously. Furthermore, the requested service can be either on-demand or for a subsequent scheduled day. | 2021-12-02 |
20210374836 | PROXIMITY-BASED NAVIGATIONAL MODE TRANSITIONING - A non-transitory computer-readable medium includes instructions that when executed by a processor cause the processor to perform a method for providing visual navigation assistance in retail stores, which may include receiving a first indoor location of a user within a retail store; receiving a target destination; and providing first navigation data to the user through a first visual interface. The method may also include, after providing the first navigation data, receiving a second indoor location of the user within the retail store; determining that the second indoor location is within a selected area around the target destination, with the selected area not including the first indoor location; and, in response to the determination that the second indoor location is within the selected area around the target destination, providing second navigation data to the user through a second visual interface, where the second visual interface differs from the first visual interface. | 2021-12-02 |
20210374837 | SYSTEMS AND METHODS FOR INTERFACING WITH POINT-OF-SALE SYSTEMS AND CUSTOMER DEVICES AT AN ESTABLISHMENT - The present disclosure provides systems and methods for generating a digital menu for an establishment. In accordance with some embodiments, a system for generating a digital menu for an establishment is configured to: retrieve menu data from a point of sale (PoS) system at the establishment; retrieve supplemental information for the retrieved menu data; generate the digital menu based on the retrieved menu data and the supplemental information; and transmit the digital menu to an electronic device for display to a user. | 2021-12-02 |
20210374838 | Online photography sale method resulting in printing a URL - This process fundamentally changes the sales cycle in the interaction between a camera and a customer with the intention of selling the picture taken by the camera to the customer as a product. Due to technological and process advancements we are now able to use a website and an associated application to print a direct link to watermarked pictures. This allows customers to access the watermarked picture directly by entering one url given to them on a piece of paper into their internet enabled device. Once they see the watermarked image they can pay for the original picture or directly associated products. This is an alternative to the current system of pre-printed cards with unique identifiers, that currently dominates the market. | 2021-12-02 |
20210374839 | GENERATING AUGMENTED REALITY CONTENT BASED ON THIRD-PARTY CONTENT - In one or more implementations, third-party content may include one or more objects and may include one or more visual effects related to the one or more objects. Augmented reality content may be generated that applies the one or more visual effects to additional object shown in a field of view of a camera. The third-party content may correspond to one or more products that are available for purchase via a client application. | 2021-12-02 |
20210374840 | COMPUTER READABLE RECORDING MEDIUM, SETTLEMENT SYSTEM, AND SETTLEMENT SERVER - Provided is a non-transitory computer-readable recording medium on which an executable program is recorded, the program causing a processor of a computer to execute outputting, to a display, information obtained by comparing a charge related to extension of car sharing that provides a rental vehicle with a balance of electronic money registered as a settlement method of the car sharing. | 2021-12-02 |
20210374841 | PRIVATE EDGE-STATION AUCTION HOUSE - An auction house for selling or auctioning, to consumers, private infrastructure that is configured for use as an edge station or a cloud-native cluster. The private infrastructure is configured for use in edge computing and is listed with the auction house. Bidding is performed and a winning bidder is awarded with the use of the private infrastructure. When listing, the hardware and/or other aspects of the private infrastructure are verified and the winning bidder receives a digital key that enables the winning bidder to use the private infrastructure in accordance with the auction and/or in accordance with a pricing model associated with the private infrastructure. | 2021-12-02 |
20210374842 | SYSTEM AND METHOD FOR APPORTIONING TRADING ORDERS BASED ON SIZE OF DISPLAYED QUANTITIES - An apparatus for processing trading orders comprises a memory and a processor. The memory stores a first order and a second order. The first order is associated with a product and comprises a displayed quantity and a reserved quantity. The second order is associated with the product and comprises a displayed quantity and a reserved quantity. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and fills the displayed quantity of the second order with a corresponding portion of the counterorder. The processor allocates a first additional portion of the counterorder to the first order. The first additional portion is based at least in part on a ratio of the displayed quantity of the first order to a sum of the displayed quantity of the first order and the displayed quantity of the second order. | 2021-12-02 |
20210374843 | Debt Resource Management in a Distributed Ledger System - Disclosed a system and method of debt management in a distributed ledger system. The methods and systems provide for representing and assigning debt in the form of tokens in the distributed ledger. The debt tokens are implemented in a UTXO model by creating debt-only addresses that can send credit only with permission. The credit tokens are implemented based on UTXO model by requiring an input as well as an output specified for the credit transaction. | 2021-12-02 |
20210374844 | SYSTEMS AND METHODS FOR MANAGEMENT OF FINANCIAL TRANSACTIONS ASSOCIATED WITH A FUNDING AGREEMENT - A method for management of financial transactions associated with a funding agreement may include: receiving, at the award information management system and from an awarding organization, details for a funding award comprising an identification of an award recipient, an award amount, and a condition on the use of the award; notifying an award drawdown management system of the award details; identifying a plurality of participating financial institutions to the award recipient; receiving a registration of an account at one of the financial institutions for receiving drawdown funds; communicating an amount of the payment to the fund reporting and analysis system; receiving transaction details from the financial institution having the award recipient's registered account; and providing reports of all transactions in the registered account and any and all optional card accounts with detailed analysis of part transaction, current balances and predictions of future drawdown requests. | 2021-12-02 |
20210374845 | TRANSACTION PROCESSING SYSTEM AND TRANSACTION PROCESSING METHOD - A transaction processing system, for performing a transaction in a branch of a financial institution, includes a reception apparatus configured to receive a content of the transaction; a transaction management apparatus configured to manage the content and a handling status of the transaction received by the reception apparatus; a determination circuit configured to, in a case that an operation related to the received transaction is performed, refer to the handling status and determine an appropriateness of the operation; and a handling unit configured to perform handling corresponding to the operation determined to be appropriate by the determination unit, and update the handling status. | 2021-12-02 |
20210374846 | METHODS AND SYSTEMS FOR CONSOLIDATING PROFILES FOR JOINT APPLICATION DETERMINATION - Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score. | 2021-12-02 |
20210374847 | METHOD FOR AUTOMATING CREDIT OPERATIONS USING A PERSONAL USER DEVICE - Methods for automating credit operations in which, for each user, an initial credit parameter is formed upon accessing the communication server for the first time, additional data are obtained from multiple servers comprising relevant information about the specified user, an adjustment to the initial credit parameter is calculated, when a credit operation is requested, the current credit parameter of the first user is simultaneously transferred. The achieved technical result is that of providing the possibility of automatic processing of credit operations to enable the provision of the required amount of monetary funds and simultaneously to take the credit parameter of the user into account. | 2021-12-02 |
20210374848 | Systems, Apparatuses, and Methods for Resource Bandwidth Enforcement - Systems, methods, and apparatuses for resource bandwidth monitoring and control are described. For example, in some embodiments, an apparatus comprising a requestor device to send a credit based request, a receiver device to receive and consume the credit based request, and a delay element in a return path between the requestor and receiver devices, the delay element to delay a credit based response from the receiver to the requestor are detailed. | 2021-12-02 |
20210374849 | Allocating Dynamic Documentary Conditions for Letters of Credit Amongst Beneficiaries - To use letters of credit (LCs) as UMR collateral, LC data structures need to continuously reallocate undrawn LC stated amounts amongst Counterparties in real-time. The disclosed automated agent software modules perform these allocations and re-allocations without the need for LC amendments and under UMR Custodian control. Each LC can be credited to the Counterparty's account and digital tokens can be specified in the LC data structure and provided to the UMR Custodian for allocation as documentary conditions for LC payment. The LC stated amount honored must match the digital tokens allocated and not already used for payment. Individual or Joint Beneficiary LC stated amounts represent potential maximum LC capacity and whatever digital tokens held in an account represent the available capacity for draw. The digital tokens are deactivated or dereferenced from the LC data structure after payment, ensuring that a demand for payment can never exceed the available payment capacity. | 2021-12-02 |
20210374850 | END-TO-END DEAL EXECUTION SYSTEM AND METHOD - The invention relates to a computer-implemented system and method for end-to-end deal execution for primary issuance of securities in equity capital markets and debt capital markets. The system may comprise: a user interface layer that is programmed to execute a unidirectional data flow; a connectivity layer that is programmed to provide scalable, low latency data streaming across a plurality of channels, regions and users and that utilizes a protocol buffer for data streaming; a data access layer that utilizes an in-memory data grid to distribute processing of the requests to a plurality of processors; a microservices layer that is programmed to provide modular microservices that subscribe to events published by the data access layer and that use a command query responsibility segregation (CQRS) pattern; a database layer; and a plurality of external application programming interfaces (APIs) to enable data exchange with third parties. | 2021-12-02 |
20210374851 | Hierarchical Node-Based Display Architecture - An equity system receives input from multiple data subsystem module. The data is filtered and weighted. The filtered and weighted data is received by a visualization subsystem that generates a visual representation of the weighted, filtered data. The visualization is rendered to a user and may be a cluster web. The visualization includes connections defining the relatedness of the nodes in the visualization. A client device is configured to view the displayed visualized representation to a user, wherein the client device is configured to receive input from a user requesting execution of one of a trade or research based upon the displayed visualized representation. | 2021-12-02 |
20210374852 | PAYMENT PROCESSING APPARATUS USING VIRTUAL CURRENCY WITH AUTOMATIC TRADING FUNCTION OF VIRTUAL CURRENCY AND OPERATING METHOD THEREOF - Disclosed are a payment processing apparatus using a virtual currency with an automatic trading function of the virtual currency and an operating method thereof. The present invention may provide a platform which may use a virtual currency as a trading means of goods by presenting a payment processing apparatus for supporting a product purchaser to pay a price of a product to a product seller using a virtual currency and an operating method thereof. | 2021-12-02 |
20210374853 | ATOMICALLY SWAPPING OWNERSHIP CERTIFICATES - A computing system performed for recording in a distributed ledger as an atomic operation a swap transaction to swap ownership of assets identified by ownership certificates. The computing system generates a swap transaction that inputs a first active ownership certificate that indicates that a first party owns a first asset and a second active ownership certificate that indicates that a second party owns a second asset. The swap transaction outputs an active swap, a first encumbered ownership certificate that indicates that the second party owns the first asset, and a second encumbered ownership certificate indicating that the first party owns the second asset. The computing system also records the swap transaction in the distributed ledger. | 2021-12-02 |
20210374854 | SYSTEM AND COMPUTER IMPLEMENTED METHOD FOR FACILITATING THE TRANSACTION AND SETTLEMENT OF A FINANCIAL INSTRUMENT - A computer system for facilitating instantaneous settlement of a financial transaction by a central counterparty system. A validation module validates a client order prior to trade. For a buy order, the validation module is configured to: (a) automatically query one or more trusted data repositories for: —retrieving account data for a nominated funds account; —retrieving meta data associated with the client and/or trade, the meta data including at least one of (i) historical client trading data; and (ii) current market data; (b) implement one or more predictive algorithms to determine a likelihood of settlement for the buy order, utilising the retrieved data. Following validation of the order, implementing an order fulfilment module configured to place the order in a queue responsive to determining that the likelihood of settlement meets or exceeds a predefined threshold. | 2021-12-02 |
20210374855 | BIDDABLE FINANCIAL INSTRUMENT, ONLINE COMPETITIVE BIDDING PLATFORM FOR TRADING THEREOF AND ASSOCIATED SYSTEM AND METHOD OF TRADING THEREOF - The present invention relates to a new type of biddable financial instrument that can be traded on an online competitive bidding process and system and method of trading thereof specifically designed to accommodate the specific needs of these new biddable financial instruments associated primarily with the introduction in the instruments core of a contractual bidder or new properties like acceleration of term linked with trading on the competitive bidding software. The inventor contemplates the use of a large number of new biddable financial instruments, for example B-VRDOs, B-TOBs, and B-MLVRS s. The platform, system and method of trading associated thereto allows for easy portfolio management, Dutch trading, payment of interest, entry of good to cancel trade orders, priority management tools, acceleration of maturity, and offering on a secondary offering stage non-acquired positions held by the contractual bidder. | 2021-12-02 |
20210374856 | COMPUTER-READABLE RECORDING MEDIUM STORING TRADING PROGRAM, TRADING METHOD AND TRADING DEVICE - A non-transitory computer-readable recording medium stores a trading program far causing a computer to execute a process including: acquiring a number of sell orders for each of sell limits and a number of buy orders for each of buy limits; executing one of pairings of one of the sell orders and one of the buy orders in which one of the sell limits of the one of the sell orders is equal to or lower than one of the buy limits of the one of the buy orders, among the pairings of the sell orders and the buy orders, based on the acquired number of the sell orders for each of the sell limits and the acquired number of the buy orders for each of the buy limits; and resolving an execution price for each of executions. | 2021-12-02 |
20210374857 | CONTEXT BASED MESSAGING - Systems and methods are provided for monitoring a plurality of chat messages. Values are extracted from multiple chat messages between a first party and a second party. Context is determined for the values and/or messages. The context is used to determine the relationship between the values, messages, and one or more transactions. Once all values of a transaction are identified, an order ticket is generated. | 2021-12-02 |
20210374858 | Transportation and Freight Capacity Units - Implementations of a computer implemented method and system to transform transportation and freight capacity units with two waypoints or a destination waypoint or a series sequence of waypoints into multi-modal objects which are tradable as commodities such as wheat, oil, corn, stocks, foreign exchange, fixed income or other forward or securitized markets. The present disclosed invention relates to combining the concepts of objected oriented programming and navigation systems and social networking, price-time priorities queues, replacement costs, termination valuations, financial markets, commodity structuring transformation and transportation and freight as a fungible asset class or tradable market. | 2021-12-02 |
20210374859 | Contextual Searching - Contextual searches may be performed to identify subsets of search results from an organized dataset. Contextual searching may return search results based on a relevance of the results to a query or search terms. Characters may be input by users at a search field that may be used to define context filters for limiting the search results of the organized dataset. Triggering events may be received that may trigger the definition of context filters that may be used to obtain the subsets of search results from the organized dataset. The triggering event may be a delimiter in the character string, for example. The subset of search results may include a subset of tradeable objects that may be traded at an electronic exchange. The subset of search results may continue to be limited based on additional context filters defined from the search input at the search field. | 2021-12-02 |
20210374860 | Private Currency and Trade Engine - A method may include storing information in a supply mesh. The supply mesh may include two or more value links. The method may include determining that a first value link of the two or more value links fulfills a value link condition of a second value link. The method may include providing a transaction proposal to the first value link. The transaction proposal may include an amount of private currency. The method may include receiving, from the first value link, a transaction acceptance to the transaction proposal. The method may include transferring the amount of private currency from the second value link to the first value link. The method may include confirming completion of a transaction between the first value link and the second value link. The transaction may be based on the transaction proposal. Other methods and systems are also disclosed. | 2021-12-02 |
20210374861 | SYSTEM AND METHOD FOR A GLOBAL PEER TO PEER RETIREMENT SAVINGS SYSTEM - A system and method of operating a peer-to-peer retirement savings system (Tontine System) providing lifetime incomes and longevity insurance in a more efficient manner than traditional systems and which can remain always-fully-funded due to ongoing automatic correction of the input data risk (such as longevity projections, mortality detection, investment return rates, etc) and wherein the system can be trusted more than traditional systems helped by the fact that the characteristics (but not necessarily the identities) of the Tontine System members (Tontine Members) and the underlying asset ledgers and other transaction ledgers (as well as the logic by which executable operations can be triggered) can be made publicly visible in a secured and immutable system so as to allow independent analysts and other interested parties to audit past & projected returns. | 2021-12-02 |
20210374862 | SYSTEMS AND METHODS FOR QUANTUM BASED OPTIMIZATION OF AN EFFICIENT FRONTIER DETERMINATION - Various systems and methods are provided for quantum computing based optimization of an efficient frontier determination. One exemplary method may comprise identifying one or more filtered portfolio optimization factor data based on one or more portfolio optimization factor data, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, and utilizing the selected QC algorithm to optimize an efficient frontier determination for each identified filtered portfolio optimization factor data. | 2021-12-02 |
20210374863 | INTERACTIVE VIRTUAL ASSISTANT SYSTEM - A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options. | 2021-12-02 |
20210374864 | REAL-TIME TIME SERIES PREDICTION FOR ANOMALY DETECTION - A method for operating a real-time time series prediction model includes obtaining a first sequence corresponding to a target time series; obtaining a second sequence corresponding to a peer time series of the target time series; determining whether a predetermined number of time steps have elapsed since a last retraining of the real-time time series prediction model; and if the predetermined number of time steps have elapsed since the last retraining of the time series prediction model, retraining the real-time time series prediction model using a first portion of the first and second sequences; and applying a remaining portion of the first and second sequences to the real-time time series prediction model to predict a next value of the target time series. | 2021-12-02 |
20210374865 | Method and System for Equitably Allocating a Financial Distribution to Multiple Investors - A system includes: a security issuer; a payment agent operably connected to the security issuer, the payment agent configured to instruct the security issuer to send the total distribution for a payment period comprising a plurality of intervals; a bank operably connected to the payment agent, the bank configured to receive the total distribution from the security issuer; and an investor operably connected to the payment agent, the investor operably connected to the bank, the payment agent further configured to compute an individual distribution equitably allocating a portion of the total distribution to an investor who owns the security at the end of at least one of the intervals, thereby computing the individual distribution payable to the investor, the payment agent further configured to instruct the bank to send the individual distribution to the investor, the payment agent further configured to verify that the bank has paid the individual distribution to the investor. | 2021-12-02 |
20210374866 | Integrated Database Systems with Intelligent Methods and Guidance for Financial Margin Expansion - An integrated database system with intelligent methods and guidance for financial margin expansion is provided. The integrated database system includes a host computer, an enterprise client database system accessible to the host computer and an analytics and reports module communicating with the host computer and the enterprise client database systems. The information stored on the host computer may be dynamically updated as per changes in the enterprise client database system and manual input. Pre-processed Margin Expansion Solution (MES) Database data is input as training data for Al based algorithms and Insights. Through application of a Learning Algorithm, MES Models are created which produces Predicted Data for artificial intelligence and predictive machine learning process. | 2021-12-02 |
20210374867 | COMPUTERIZED SECURITIES TRADING PLATFORM SYSTEM, METHOD, AND ARCHITECTURE - A system and method for processing of transaction orders includes a strategy matching venue configured to process strategy orders having respective strategies identifying a reference rate or a range of reference rates. Strategy orders are matched to contra strategy orders having a compatible but possibly different strategy. A single match can generate a stream of executions at maximum rate compatible with the strategies for the matched orders. Additional systems operate to generate strategy orders from conventional algorithmic orders and to coordinate filling of the algorithmic order relative to favor filling of the strategy order by the strategy matching venue. | 2021-12-02 |
20210374868 | AUTOMATED MORTALITY CLASSIFICATION SYSTEM FOR REAL-TIME RISK-ASSESSMENT AND ADJUSTMENT, AND CORRESPONDING METHOD THEREOF - A system and method for real-time risk-assessment and adjustment, risks associated with a plurality of risk exposed individuals being at least partially transferable from a risk exposed individual to a first insurance system and/or from the first insurance system to an associated second insurance system. The system including a table with retrievable stored risk classes each comprising assigned risk class criteria, individual-specific parameters of the risk exposed individuals being captured relating to criteria of the stored risk classes by the system and stored in a memory, and a specific risk class associated with the risk of the exposed individual being identified out and selected of the stored risk classes by the system based on the captured parameters. | 2021-12-02 |