51st week of 2017 patent applcation highlights part 50 |
Patent application number | Title | Published |
20170364846 | METHOD AND SYSTEM FOR FACILITATING EXECUTION OF A HUMAN RESOURCE WORKFLOW - Disclosed is a system for facilitating execution of a Human Resource (HR) workflow at a facility. The system may include at least one presentation device, at least one input device, at least one camera, at least one facility sensor and at least one actuator configured to provide physical access to at least one region. Further, the system may include at least one dispenser configured to dispense at least one item to the individual. Further, the system may include at least one processing device in communication with the at least one facility sensor, the at least one actuator and the at least one dispenser. Further, the at least one processing device may be configured to control operation of the at least one actuator and the at least one dispenser. Further, the system may include at least one communication device configured to perform communication with a remote station. | 2017-12-21 |
20170364847 | System and Method for Solving Large Scale Supply Chain Planning Problems with Integer Constraints - A system and method is disclosed for solving supply chain planning problems. The system includes a database that stores data representing a planning problem of a supply chain network and a computer that accesses the planning problem of the supply chain network stored in the database and models the planning problem as a network of nodes and edges. The computer further generates a hierarchical linear programming solution of the planning problem and applies advanced heuristics to the generated hierarchical linear programming solution. The computer still further formulates a mixed integer program to generate an optimized global hierarchical solution and stores the generated optimized global hierarchical solution in the database. | 2017-12-21 |
20170364848 | Wireless device for dynamic risk assessment of sensitive shipments - Disclosed is a method for dynamic risk management for shipments using an application, characterized in having a client component embedded in a user communication device, a server component hosted by a server. The method includes actuating, the client component for assessing the risks by a user using an actuation module, receiving the actuation by the server component for initiating assessment of risks associated with the shipment of products based on a plurality of information stored in one or more databases, one or more data sources, and a real time information obtained from shipments, analyzing and determining, one or more control measures to mitigate said assessed risks, and responding back to the client component by the server component using a response module the risks associated with the shipment of products and forecasts on the control measures that the user may adopt to mitigate the assessed risks. | 2017-12-21 |
20170364849 | SOFTWARE-BASED ERM WATCHTOWER FOR AGGREGATING RISK DATA, CALCULATING WEIGHTED RISK PROFILES, REPORTING, AND MANAGING RISK - A software tool may analyze the constantly evolving and increasing velocity of enterprise risk, aggregates organizational risk, creates risk profiles at each level of the organization, and provides a central risk management hub that uses novel risk management algorithms to aggregate and provide risk management information to users. In order to quantitatively determine risk, calculations may be performed in a hierarchical manner. A risk category may include an inherent risk component and a quality of risk management component. Ratings for a given risk category may be derived from a sum of weighted rankings of each risk component thereof. Ratings for each risk component may be derived from its risk attributes. | 2017-12-21 |
20170364850 | WORKFORCE STRATEGY INSIGHTS - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for workforce planning. The methods, systems, and apparatus include actions of obtaining historical project data describing previous projects, generating a knowledge graph based at least on the historical project data, obtaining future project data describing a future project, identifying a particular previous project that matches the future project based at least on the knowledge graph and the data describing the future project, generating similarity scores between the previous projects and the future project, determining that the similarity score between the particular previous project and the future project satisfies a similarity threshold, identifying the particular previous project as matching the future project, identifying personnel for the future project based at least on the skills needed for the particular previous project, and generating a resource plan for the future project based at least on the identified personnel. | 2017-12-21 |
20170364851 | SEASONALITY VALIDATION AND DETERMINATION OF PATTERNS - Techniques are described herein for seasonal pattern determination and validation. In one or more embodiments, a set of time-series data is received to analyze for seasonal behavior. In response a plurality of patterns may be generated, including a first pattern and a second pattern, such that each of the first pattern and the second pattern approximate data points that represent a same sub-period of multiple instances of a season within the set of time-series data. One or more other instances of the season may then be analyzed to determine whether at least part of the first pattern or the second pattern is detected. Based at least in part on determining that the at least part of the first pattern is detected in the at least part of the same sub-period, a responsive action that is associated with the first pattern may be performed. | 2017-12-21 |
20170364852 | FLEXIBLE STORE FULFILLMENT - Aspects described herein relate to a flexible order fulfillment management system that utilizes predefined fulfillment workflows including common business processes. By utilizing predefined workflows including common business processes, the order fulfillment management system is able to drive store-based fulfillment programs efficiently as multiple fulfillment workflows may utilize the same common business processes and a single fulfillment management system may operate workflows in parallel. In addition, such an order fulfillment management system may also be more easily adapted for different retail store environments as the system allows a designer to easily create or modify a fulfillment workflow by selecting predefined common business processes or creating any additional custom business processes. Another aspect described herein relates to a tool that allows a designer of an order fulfillment program to select from a group of predefined common business processes to create workflows associated with an order fulfillment program. | 2017-12-21 |
20170364853 | METHOD OF TRAINING MULTILINE INSURANCE AGENTS - A method includes training multiline insurance agents on having a conversation with the insured for discovering the insured's financial situation and risks by creating a visual diagram of the insured's financial situation and risks. The diagram includes the insured's name at the center of the visual diagram including an income box of the insured's household income. A family box is drawn from the income box with a family tree of the insured's family thereunder. An assets box is drawn from the income box with an asset listing of the insured's listing thereunder. A listing of risks is drawn at the bottom of the visual diagram. A box is drawn around the insured's name, the income box, the family box with the family tree, and the assets box with the asset listing, where the bottom of the box provides a boundary between the listing of risks and the family box and assets box. | 2017-12-21 |
20170364854 | INFORMATION PROCESSING DEVICE, CONDUCT EVALUATION METHOD, AND PROGRAM STORAGE MEDIUM - The purpose of the present invention is to provide a technology which is capable of appropriately evaluating a person's conduct with respect to another person. Provided is an information processing device, comprising a recognition unit | 2017-12-21 |
20170364855 | IMPAIRMENT DETECTION SYSTEM AND METHOD - A method, computer program product, and computing system for rendering a plurality of objects for use within an alertness test being administered to a user. A disrupter configured to distract the user is rendered. A response is solicited from the user concerning the plurality of objects. The response is received from the user. A result is determined for the user based, at least in part, upon the response received from the user. | 2017-12-21 |
20170364856 | DECOMPOSITION OF MULTISITE HETEROGENEOUS WORKFORCE SCHEDULING PROBLEMS - A computer-implemented method, computerized apparatus and computer program product for decomposing multisite heterogeneous workforce scheduling problems. An instance of a multisite heterogeneous workforce scheduling problem comprising a set of work items and a set of technicians is obtained. A measure of likelihood that a pair of work items belong to the same sub-problem in a decomposition of the problem instance into a plurality of sub-problems, such that a union of solutions to the plurality of sub-problems is a solution to the problem, is calculated. The measure calculation comprises calculating one or more components indicating a relation between the pair of work items and technicians potentially scheduled to execute either of them. A solution to the problem is generated by solving the plurality of sub-problems in the decomposition obtained based on a partitioning of the set of work items induced by the measure and aggregating solutions to the plurality of sub-problems. | 2017-12-21 |
20170364857 | PROFILING OF USERS' BEHAVIOR AND COMMUNICATION IN BUSINESS PROCESSES - A computer-implemented user profiling system includes a human communication retrieval component which, for an entity employing a business process management system, captures communication data in response to a given business process being implemented by the business process management system. A human task monitoring and contextual analysis component captures user behavior information associated with the business process. A profile analysis engine is also included, which receives the user behavior information and communication data and updates a user profile corresponding to at least one of the users, based on the user behavior information and communication data. | 2017-12-21 |
20170364858 | ARTICLE OF PERSONAL PROTECTION EQUIPMENT AND SENSOR - A personal protection article (PPA) includes at least one sensor configured to sense one or more variables, wherein the PPA is configured with a smart tag to carry smart tag data. The smart tag is configured to be read by at least one smart tag scanner, wherein the computing device: configures at least one predetermined criterion with respect to the at least one PPA that is based at least in part on the one or more variables; receives the smart tag data of the smart tag for the one or more variables; determines whether the smart tag data satisfies the at least one predetermined criterion based at least in part on the smart tag data of the smart tag for the one or more variables; and processes a result relating to the determination of whether the smart tag data satisfies the at least one predetermined criterion. | 2017-12-21 |
20170364859 | IMPLICITLY LINKING ACCESS POLICIES USING GROUP NAMES - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for implicitly linking access policies using group names. One of the methods includes receiving first information corresponding to a directory service of network users, the directory service configured to organize the network users into a plurality of user roles, receiving second information corresponding to a resource available to the network users, the resource having a plurality of policy groups, identifying at least one first user role name that matches at least one first policy group name, and linking the user role corresponding to the matched first user role name with the policy group corresponding to the matched first policy group name such that the one or more network users in the linked user role are subject to the usage policies associated with the linked policy group. | 2017-12-21 |
20170364860 | VECTOR-BASED CHARACTERIZATIONS OF PRODUCTS AND INDIVIDUALS WITH RESPECT TO PROCESSING RETURNS - Systems, apparatuses, and methods are provided herein for processing returns. A system for processing returns, comprises a customer profile database, a communication device, and a control circuit. The control circuit being configured to: receive, via the communication device, information on a return item being returned by a first customer associated with a delivery agent, retrieve customer partiality vectors of a plurality of customers associated with the delivery agent from the customer profile database, select a second customer from the plurality of customers based on the partiality vectors of the second customer, and instruct the delivery agent to reroute the return item from the first customer to the second customer. | 2017-12-21 |
20170364861 | METHOD AND APPARATUS FOR PROCESSING LOGISTICS INFORMATION - The present application provides a method for processing logistics information, so as to process original logistics information uploaded by a logistics system into logistics information of a standardized format. Firstly, according to a logistics state indicated by logistics information, an information presentation template containing multiple information items is determined and logistics presentation information corresponding to each information item is determined, and the logistics presentation information is filled into the information presentation template to obtain standardized logistics information to be presented to a user, where the standardized logistics information better meets the requirement of the degree of attention from the user on the logistics information, and is easier for the user to read, so the user experience is good. Besides, the present application also provides an apparatus for processing logistics information, to ensure the application and implementation of the method in practice. | 2017-12-21 |
20170364862 | OBJECT ITEM DISTRIBUTION METHOD AND APPARATUS - An object item distribution method is performed at a computer server that hosts a social networking application with which an enterprise user has an official account and an enterprise account, the method including: receiving a distribution request sent by an object item requesting user to the official account, the distribution request being generated after the object item requesting user purchases an object item by using the object item requesting user's account; determining, according to the distribution request, the object item purchased by the object item requesting user and a location of the object item requesting user; determining, according to the location of the object item requesting user, a distribution user that meets a preset condition from distribution users of the enterprise account; and sending a distribution instruction to the distribution user that meets the preset condition, the distribution instruction being used for instructing a courier of the distribution user that meets the preset condition to distribute the object item to the object item requesting user. | 2017-12-21 |
20170364863 | SYNCHRONIZATION OF DIGITAL CONTENT - Aspects of the present disclosure relate to the sharing of synchronization information corresponding to content among devices in a communication network. An originating device collects synchronization information related to the presentation of content to a user via the originating device. The synchronization information is defined according to reference points related to the presentation of the content to the user via the originating device, including a current state of the presentation of the content and/or additional information obtained during the presentation of the content. Based on detection of a synchronization event, the originating device transmits the collected synchronization information, resulting in the receipt of the synchronization information by one or more receiving devices. Thereafter, the presentation of the content to the user on one of the receiving devices can incorporate the synchronization information collected and transmitted by the originating device. | 2017-12-21 |
20170364864 | Method and System for Distributing and Tracking Information - Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable. | 2017-12-21 |
20170364865 | MODIFYING ORIGINAL GEOGRAPHIC LOCATION FOR VIEWING BY A USER IN A MULTILINGUAL COLLABORATIVE GAMING ENVIRONMENT - Disclosed are systems, methods, and computer readable media for providing a collaborative communication environment. The method embodiment comprises receiving user profiles, establishing a collaborative communication environment where a plurality of users simultaneously interact over a network, converting data to be sent to each user in a collaborative environment based on the respective user's profile, and presenting a localized experience to each user using the converted data. | 2017-12-21 |
20170364866 | SHARED COLLABORATION OBJECTS - Systems and methods for creating a collaborative object are provided. A collaborative object may be associated with a user interface that enables one or more users to interact regarding various tasks during the planning and execution of a project. In aspects, the collaborative object may include a task list, an associated document, compiled information and/or communications related to a project. In further aspects, the collaborative object, along with associated information, may be shared with other users as a resource for future projects. Permissions may be set on a collaborative object such that recipients may be allowed varying access to the task list, document, compiled materials and/or communications associated with the collaborative object. | 2017-12-21 |
20170364867 | METHOD AND SYSTEM FOR MATCHING JOB SEEKERS WITH JOB PROVIDERS - Disclosed is a method of matching job seekers with job providers. The method may include receiving a plurality of job seeker values and a plurality of job provider values corresponding to at least one attribute. The method may further include receiving a job seeker priority associated with a job seeker value. Furthermore, the method may include receiving a job provider priority associated with a job provider value. Subsequently, matching between job seekers and job providers may be performed based on comparison between job seeker values and job provider values. Additionally, the matching may be based on a comparison of job provider priority and job seeker priority. | 2017-12-21 |
20170364868 | SYSTEM OF ATTENDANCE AND TIME TRACKING WITH REPORTING - A system for biometric staff management for a physical jobsite is disclosed. It uses a centralized reporting server and a multi-purpose computing device having authentication software and in communication with at least one biometric sensor. The jobsite workers who are users of said software authenticate into the system by using the at least one biometric sensor. | 2017-12-21 |
20170364869 | AUTOMATIC MAINTENANCE FOR AUTONOMOUS VEHICLE - A method includes steps of determining, by a computing system of a vehicle, a service center to which the vehicle is to be driven for servicing. The method may further include the steps of, by the computing system, autonomously driving the vehicle from a start location to the service center, and from the service center to a designated end location after servicing. | 2017-12-21 |
20170364870 | Systems and Methods to Generate Repair Orders Using a Taxonomy and an Ontology - Methods and apparatus are provided that are related to generating repair orders, including vehicular repair orders. A computing device can receive repair-related information associated with a repair order. The repair-related information can include information about a first repair attribute of one or more repair attributes. The computing device can determine a first ontology related to the first repair attribute. The first ontology can be further related to a first template. The computing device can determine modified repair-related information by at least utilizing the first template to modify at least a first portion of the repair-related information that includes the information about the first repair attribute. The computing device can generate an output related to the repair order that includes the modified repair-related information. | 2017-12-21 |
20170364871 | SYSTEM FOR IDENTIFYING RESOURCE ISSUES AND MANAGING A NETWORK OF RESOURCES - Systems, computer program products, and methods are described herein for resource manager entity device security and maintenance. The present invention is configured to identify an issue with a resource and notify all other resources across the entity and customers of the entity that the resource is experiencing an issue; determine that an account is involved in a counterfeit activity and notify all other resources across the entity to deny further activity associated with the account; determine that the first resource is experiencing an issue and send fixes to the first resource and all other resources located within a predetermined distance from the first resource. | 2017-12-21 |
20170364872 | RESIDENTIAL WASTE MANAGEMENT SYSTEM HAVING CONSUMPTION-BASED SERVICE PREDICTION - A management system is disclosed for use with a vehicle configured to receive waste from a residential receptacle. The management system may have a source of customer consumption data, a communication device, and a controller in communication with the source and the communication device. The controller may be configured to utilize a correlation stored in memory to anticipate a service need of the residential receptacle based on the customer consumption data and information known about the residential receptacle. The controller may also be configured to selectively dispatch the vehicle via the communication device and based on the service need. | 2017-12-21 |
20170364873 | SYSTEMS AND METHODS FOR BUSINESS-TO-BUSINESS COMMERCE AUTOMATION - Systems and methods for business-to-business commerce automation are disclosed. In one embodiment, a method may include (1) a payment facilitator receiving, from a supplier, a request for a unique identifier for an invoice for a buyer; (2) at least one payment facilitator computer processor assigning the unique identifier to the invoice; (3) the payment facilitator providing the unique identifier to the supplier; (4) the payment facilitator receiving the unique identifier from the buyer; (5) the at least one payment facilitator computer processor retrieving the associated invoice for the unique identifier; (6) the payment facilitator receiving a payment status for the associated invoice from the buyer; (7) the payment facilitator assigning a unique remittance number to the associated invoice and payment status; and (8) the payment facilitator sending the unique remittance number to a buyer bank. | 2017-12-21 |
20170364874 | HAND-HELD ORDERING DEVICE AND SYSTEM - A hand-held ordering device and system which allows a user to order a meal at a restaurant or place an order at any business using a wireless transmission means. | 2017-12-21 |
20170364875 | SECURED AUTHENTICATION AND TRANSACTION AUTHORIZATION FOR MOBILE AND INTERNET-OF-THINGS DEVICES - Highly secured transactions for mobile or Internet-of-Things (IoT) devices can be conducted using a one-time seed technology (OTST). For example, registration of a user and authentication of a user device is based on a one-time seed (OTS) which is generated by an authentication server and sent to the user device. The user device employs the OTS to generate a one-time password (OTP). After registration and authentication, the OTS is deleted. As such, the OTS and OTP is used only one time. No seed is stored on the user device. As for securing the transactions, it may be signed by a one-time hash (OTH) or a one-time signing key (OTSK). Like the OTS, the OTH or OTSK is deleted from the user device after the transaction. Since the user device does not contain a seed, OTH or OTSK, there is no risk of the user device being hacked by unwanted third parties. | 2017-12-21 |
20170364876 | SYSTEMS AND METHODS FOR MANAGING SHARING ECONOMY PAYOUTS - A method for managing payouts to parties to a transaction, including receiving a customer request for a service transaction, and transmitting the customer request to at least one service provider terminal. The method includes receiving a service completion message from the at least one service provider terminal. The method includes determining that at least one surge parameter applies to the service transaction. The method includes determining a surge payout split based on the determination that at least one surge parameter applies to the service transaction and generating a surge payout split request based on the surge payout split. The method includes transmitting the surge payout request to a payment network server, and receiving an account update from the payment network server, the account update reflecting the surge payout split. | 2017-12-21 |
20170364877 | SYSTEM AND METHOD FOR IMPLEMENTING A GLOBAL PAYMENT ENGINE - The invention relates to a method and system that implements a payment initialization input that receives an electronic payment; the payment initialization input generates a payment context with an execution plan; a payments topology comprising a stage router, coupled to the payment initialization input and further in communication with a transform-to-external component and de-duplication component; and the stage router routes the payment context in accordance with the execution plan to a plurality of stages, the plurality of stages comprising a validation stage, an enrichment stage, a controls stage and a clearing stage where after each stage, the payment context is routed back to the stage router before being routed to a subsequent stage. | 2017-12-21 |
20170364878 | SYSTEMS AND METHODS FOR BRIDGING TRANSACTIONS BETWEEN EFT PAYMENT NETWORKS AND PAYMENT CARD NETWORKS - A method of operating a payment network bridging computer includes receiving a first transaction request message in the payment network bridging computer. The first transaction request message includes a first addressing indicator that represents a funding account. The first addressing indicator is of a type used in a payment card account system. The method also includes translating the first addressing indicator to a second addressing indicator. The second addressing indicator being of a type used in an EFT system. The method further includes transmitting a second transaction request message from the payment network bridging computer. The second transaction request message includes the second addressing indicator. The second addressing indicator represents the funding account. | 2017-12-21 |
20170364879 | TRANSACTION FLOWS AND TRANSACTION PROCESSING FOR BRIDGED PAYMENT SYSTEMS - In operating a payment card account transaction acquirer computer, a transaction request message is received from a merchant. The message represents a purchase transaction accepted by the merchant. The transaction request message is in a format required by a payment card account system. The message includes an indication that funds corresponding to the purchase transaction are to be transferred to a bank account to benefit the merchant via an EFT system. The indication is detected by the payment card account transaction acquirer computer. That computer stores a record of the purchase transaction. In response to the detection of the indication, a flag is set in the record. The flag indicates that the record is not to be submitted for clearing in the payment card account system. | 2017-12-21 |
20170364880 | SYSTEM AND METHOD OF TOKENIZING DEPOSIT ACCOUNT NUMBERS FOR USE AT PAYMENT CARD ACCEPTANCE POINT - A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account numbers in a payment account system. The funding account indicator is translated into a bank account number. The bank account number identifies a bank deposit account owned by the account holder. An EFT message is transmitted to initiate an EFT transaction to be funded from the bank deposit account owned by the account holder. The EFT message includes the bank account number. | 2017-12-21 |
20170364881 | RETAIL SEND TRANSACTION SYSTEM - A computer system is connectable to receive data representing a send transaction identifier and the computer system presents a completion interface that includes fields for receiving send transaction information comprising sender identification information, recipient identification information and options related to the transfer. In response to receipt of sufficient information entered at the completion interface, a memory stores an active, funded send transaction record in the computer system including the options. | 2017-12-21 |
20170364882 | System and method for sending money via e-mail over the Internet - The invention provides a systems and method for transferring money from a sender to a receiver utilizing a computer network including a server. The method may comprise the steps of the sender identifying, to the server over the network, an amount of money to be transferred to the receiver and a withdraw account from which money is to be transferred. The method may further include transferring money from the withdraw account; the server sending an electronic message to the receiver over the network to inform the receiver that the sender is transferring money to the receiver and to request the receiver contact the server to receive money; the receiver contacting the server over the network in response to the electronic message and identifying a deposit account to which money is to be transferred. Further, the method may include transferring money to the deposit account. | 2017-12-21 |
20170364883 | SYSTEMS AND METHODS FOR PROVIDING MULTIPLE COMMUNICATIONS NETWORK OPTIONS - A networking system for transmitting a data message from one or more remote client devices to a central processing hub is provided. The system includes a plurality of communications networks each connecting the central processing hub with the one or more remote client devices. The plurality of communications networks includes at least two separate communications networks. The system also includes at least one interface processor and a communication routing (CR) computing device connected to each of the communications networks. The CR computing device is configured to receive a data message from the one or more remote client devices, and direct the data message to one of the communications networks for transmission to the central processing hub. The data message is a payment transaction data message. | 2017-12-21 |
20170364884 | SYSTEMS AND METHODS FOR BALANCE TRANSFERS ASSOCIATED WITH GAMING ENVIRONMENTS - Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. Instructions for balance transfers can be provided by the player to a remote computing device. | 2017-12-21 |
20170364885 | SYSTEM FOR MANAGING, STORING AND PROVIDING SHARED DIGITAL CONTENT TO USERS IN A USER RELATIONSHIP DEFINED GROUP IN A MULTI-PLATFORM ENVIRONMENT - A system for managing, storing and providing shared digital content to a group of users in a multi-platform environment, comprising a cloud storage component configured to store digital content items that are shared by members in a user relationship defined group, and a cloud service component configured to provide one of the digital content items to a first platform for a first member of the user relationship defined group in a format suitable for the first platform and to a second platform for a second member of the user relationship defined group in a format suitable for the second platform, wherein the first platform and the second platform are different platforms. | 2017-12-21 |
20170364886 | VENDING SYSTEM - An embodiment includes a system comprising a first vending machine (VM), the first VM comprising: an exterior chassis having a top, bottom, backside, front side, and first and second sides that couple the front side to the backside; a wireless short range communications node included in the chassis; and an actuator coupled to a compartment included in the chassis; wherein (a) the actuator provides a vended good to an aperture in the front side upon actuation, and (b) each of the front side and first and second sides includes no physically manipulatable consumer interface with which the consumer can control the first VM via direct physical manipulation of the first VM. Other embodiments are described herein. | 2017-12-21 |
20170364887 | METHOD AND DEVICE FOR CONTROLLING A CASH REGISTER SYSTEM - The invention relates to a cash register system ( | 2017-12-21 |
20170364888 | TRANSACTION INTERFACE CONTROL - Techniques and arrangements of a point-of-sale (POS) system including a transaction interface control mechanism configured to prevent simultaneous input by a merchant and a customer during a transaction. The POS system can include a merchant user interface (UI) presented on a merchant-facing display and a customer UI presented on a customer-facing display. In some instances, the merchant UI can be on a display of a merchant device, while the customer UI can be on a display of a customer device. In such instances, the merchant device and the customer device can be operably connected via a wired or wireless connection. | 2017-12-21 |
20170364889 | RETAIL CHECKOUT SYSTEMS AND METHODS - Provided are a retail checkout system and method. A customer record includes registered identification information related to a store customer. An input device receives unique customer identification information from a purchaser card of the store customer. A customer identification analyzer verifies that the received unique customer identification information is included in the registered identification information of the customer record. An order linking module associates purchase data with the unique customer identification information of the purchaser card. A customer record processor updates the customer record to include the purchase data. | 2017-12-21 |
20170364890 | SYSTEM AND METHOD OF PAYMENT OF MERCHANTS ON BEHALF OF PAYMENT CARD SYSTEM TRANSACTION ACQUIRERS - A card payment network handles a payment card account system transaction. The transaction involves a merchant and was acquired by a transaction acquirer. The card payment network initiates an electronic funds transfer to credit the merchant's bank deposit account on behalf of the transaction acquirer. | 2017-12-21 |
20170364891 | UNIVERSAL SECURE REGISTRY - An authentication system and method of use thereof are provided to authenticate a user involved in a transaction. The system comprises a communications interface configured to receive a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at the point of use of the electronic device, and one or more processors configured to retrieve account information associated with a user of the electronic device, wherein the account information is retrieved in response to receiving the one-time code, and to use the retrieved account information to access account identifying information or identifying information associated with the user of the electronic device. | 2017-12-21 |
20170364892 | UNIVERSAL SECURE REGISTRY - An authentication system and method of use are provided to enable a transaction involving a first party and a user, the system comprising an electronic device comprising a communications interface and one or more processors. The one or more processors are configured to receive biometric information of the user and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information, wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user, and wherein the received biometric information is verified at a point of use. | 2017-12-21 |
20170364893 | SYSTEM FOR DATA ROTATION THROUGH TOKENIZATION - Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a PIN based on the determined check data fields; receive user input of a user PIN; compare the generated PIN with the inputted user PIN; if the generated PIN matches the inputted user PIN, proceed with the transaction; and if the generated PIN does not match the inputted user PIN, cancel the transaction. In some cases, a point of sale terminal comprising a scanner for scanning the check to determine the one or more check data fields. In some cases, receiving user input of the user PIN comprises receiving, by a communication device of the system from a mobile device of the user, a text message, SMS message or phone call comprising the user input of a user PIN. | 2017-12-21 |
20170364894 | SECURING A TRANSACTION - There is provided a computer-implemented method for securing a transaction. The method comprises receiving or determining | 2017-12-21 |
20170364895 | Person-To-Person Electronic Payment Processing - A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier. | 2017-12-21 |
20170364896 | COMMODITY PURCHASE SYSTEM - A commodity purchase system is disclosed that allows a consumer to pre-purchase a commodity at a discounted price without taking delivery at the time of the purchase. The discount takes into account the unit regional wholesale gasoline price for the region at the time of purchase as well as local taxes and local fees which can vary in different locales. In this way, a wholesaler can offer a commodity purchase card with or without a discount that can be used in all regions of a geographical area, such as the US, even though the local taxes, local fees and the regional unit gasoline price varies. The commodity purchase system allows a purchaser to purchase a commodity that is attractive to wholesalers without any geographical constraints. | 2017-12-21 |
20170364897 | METHOD AND SYSTEM FOR A SEAMLESS TRANSITION BETWEEN A SMALLER SIZED DISPLAY AND A LARGER SIZED DISPLAY DURING PURCHASING INTERACTIONS - A computerized method for providing a seamless transition between a first device with a first display size and a second device with a second display size during a purchasing transaction. A transaction server receives authentication information of a user from a first device. The transaction server stores the authentication information and further receives a potential authentication information from the user captured by a second device. The transaction server compares the potential authentication information to the authentication information. The transaction server determines whether the potential authentication information matches the authentication information. The server transmits a response to the second device in response to the determining. In response to the transmitted response being a successful verification of the potential authentication information, the transaction server receives a transaction request from the first device to complete the purchasing transaction at the transaction server. | 2017-12-21 |
20170364898 | MOBILE PAYMENT SYSTEM AND METHOD - A mobile payment system (MPS) is disclosed that enables transactions for MPS users using user devices, and interfaces with third party payment systems with third party user accounts. The MPS includes MPS frontends, third party MPS accounts, and a MPS backend including a MPS backend account, a MPS database and MPS user accounts. Each MPS frontend is located on one user device and is associated with one MPS user. At least one of the third party MPS accounts is on each third party payment system. Each MPS user account is associated with at least one MPS user. A particular MPS frontend performs local processing of MPS functions on its user device and communicates over networks with the MPS backend and with other MPS frontends on other user devices. The MPS backend administers funds in the MPS backend account, the MPS user accounts, and the third party MPS accounts. | 2017-12-21 |
20170364899 | UNBANKED SAFELOAD - A system having a payment-credential logic; a software application; wherein when an authorized person verifies an identity of a mobile customer using a government identification document, the payment-credential logic is then activated, the payment-credential logic is configured to create payment-credential information and to cause the payment-credential information to be stored for future access, wherein the payment-credential logic is configured to provide a way for the software application to be loaded into a mobile customer device, wherein the software application is configured to allow the mobile customer device to access the payment-credential information for one or more future monetary transactions. | 2017-12-21 |
20170364900 | METHOD AND SYSTEM FOR GEOFENCING - A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp upon receipt of the notification; displaying the payment terms; receiving an indication of approval of the payment terms; receiving an exit notification upon exit of the mobile computing device from the predefined geographic area; registering a second timestamp upon receipt of the exit notification; calculating a transaction amount based on an elapsed amount of time between the first timestamp and the second timestamp and a payment rate; and transmitting the calculated transaction amount and payment details. | 2017-12-21 |
20170364901 | IDENTIFYING USER COMPUTING DEVICE SPECIFIC LOCATIONS - The proposed solution in particular relates to a computer-implemented method to identify user computing device locations based on location data and beacon signal strength in which a user computing device receives a beacon signal comprising a beacon device identifier from a beacon device via a wireless network scan and determines that a second location of the user computing device is within a geofence boundary and is less than a predefined distance from a location of the beacon device based on a beacon signal strength of the beacon device. The beacon signal strength is based on at least one of the received beacon signal and further signals received from the beacon device via the wireless network scan. In response to determining that the second location is less than the predefined distance from the location of the beacon device, the user computing device transmits a next in line status message indicating the location of the user computer device and a user identifier associated with the user computing device to a computing device associated with the beacon device. | 2017-12-21 |
20170364902 | SYSTEM AND METHOD FOR MOBILE PAYMENTS - A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive. | 2017-12-21 |
20170364903 | EMBEDDING CLOUD-BASED FUNCTIONALITIES IN A COMMUNICATION DEVICE - Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device. | 2017-12-21 |
20170364904 | PAYMENT INFORMATION PROCESSING METHOD, APPARATUS, AND USER DEVICE - A payment information processing method is disclosed. The method includes detecting a preset operation for a user interface; displaying a new window on the user interface, the new window including one or more payment application identifiers; selecting a payment application identifier in the new window; and displaying payment information corresponding to the selected payment application identifier on the user interface, thus implementing a convenient means of making a payment without interrupting a current operation of the user, and greatly improving the user experience. | 2017-12-21 |
20170364905 | Method of Providing a Gateway between Mobile Devices and Radio Frequency Identification (RFID) Enabled Readers - An RFID magnetic field powered translating device that acts as a gateway between mobile devices and radio frequency identification (RFID) enabled readers. The gateway enables the portable device to emulate access credentials for physical access, computer credentials, licenses and payment cards using Bluetooth communication between the portable mobile device and translating device; and RFID emulation at either 125 khz or 13.56 MHz between the translating device and the RFID reader. | 2017-12-21 |
20170364906 | SMART MULTI CARD, AND METHOD FOR ISSUING CARD DATA FOR SMART MULTI CARD - A smart multi card, and a method for issuing card data for a smart multi card. The smart multi card includes a first storage unit storing one or more pieces of first encryption data and seed data. The first encryption data generated by performing a first encryption of specific card information or alternative information corresponding to the card information. A second storage unit for storing card related data including storage location data of the specific first encryption data and seed data in the first storage unit. A user input unit for receiving a user's operation. A first control unit for generating token data by performing a second encryption of the first encryption data corresponding to the selected card using the seed data. A second control unit for making a request to the first control unit for the token data. A card data output unit for externally outputting the token data. | 2017-12-21 |
20170364907 | METHOD FOR SENDING SECURITY INFORMATION - A method and apparatus for sending security information are disclosed. The method is performed by a terminal that performs operations, which may include: during a current transaction, receiving first transaction data coming from an electronic device with which the terminal is co-operating; detecting an event encountered by the terminal during the current transaction; generating a transaction message including an indicator indicating that the first data is included in a field of the message; inserting security information in the field of the transaction message as a replacement for the first transaction data, the security information being representative of the event; and sending the transaction message including the security information to a remote server. | 2017-12-21 |
20170364908 | TECHNOLOGIES FOR DEVICE COMMISSIONING - Technologies for device commissioning include a rendezvous server to receive, from a buyer device, a request to transfer ownership of a compute device to the buyer device. The rendezvous server verifies the provenance of the compute device based on a block chain and establishes a secure session with the compute device in response to verification of the provenance. The block chain identifies each transaction associated with ownership of the compute device. | 2017-12-21 |
20170364909 | SECURE UTILITY METERING MONITORING MODULE - The object of the invention is to provide a secure detachable utility monitoring device to be appended to a utility metering apparatus for controlling at least one utility usage consumption. This is achieved thanks to a detachable metering monitoring device to be connected with a utility meter for controlling at least one utility consumption metered by said utility meter comprising:
| 2017-12-21 |
20170364910 | SYSTEM AND METHOD TO PUSH PAYMENT TO BENEFICIARY ACCOUNT USING AN ALIAS - A method includes receiving a funds transfer request. The request includes an alias character string. The request is for requesting a funds transfer. The alias character string is translated to payment routing information. The payment routing information specifies a recipient's financial institution deposit account. The funds request is routed via a payment network for the purpose of being credited to the specified deposit account. | 2017-12-21 |
20170364911 | SYSTEMS AND METHOD FOR ENABLING SECURE TRANSACTION - Embodiments of the present invention provide systems and methods of generating a secure transaction, particularly when the transaction is made using a mobile computing device. This is achieved by eliminating the need for cryptographic keys to be stored on the mobile computing device, by firstly creating a strong link between users and their devices, and storing this pre-defined link with a trusted authentication service (i.e. in a secure backend payment system), and secondly using the pre-defined link between user and device to generate a unique, electronic or digital signature for a transaction which will authorise a payment, wherein the digital signature having been generated by using authentication information comprising a first authentication identifier and a second authentication identifier. | 2017-12-21 |
20170364912 | METHODS OF AUTHENTICATING A USER FOR DATA EXCHANGE - A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity. The method comprises establishing, at a server, a second connection to the computing device; enabling retrieval of a user authentication attribute associated with the data exchange information; enabling retrieval of a device authentication attribute associated with the data exchange information; | 2017-12-21 |
20170364913 | Method of Performing Transactions with Contactless Payment Devices Using Pre-Tap and Two-Tap Operations - A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow. | 2017-12-21 |
20170364914 | TOKEN AGGREGATION SYSTEM FOR MULTI-PARTY TRANSACTIONS - Described herein is a system for generating a master token to be associated with a set of tokens. In some embodiments, a number of tokens may be obtained by a communication device, which may be provided to a primary authorization computer. The primary authorization computer may generate a master token to be associated with each of those tokens. When the master token is used to complete a transaction, an authorization request may be received by the primary authorization computer that includes the master token. Upon receiving this, the primary authorization computer may obtain approval from a number of secondary authorization computers associated with the tokens, and may generate an authorization response based on those approvals. | 2017-12-21 |
20170364915 | COMPUTERIZED TRANSACTION ROUTING SYSTEM AND METHODS USEFUL IN CONJUNCTION THEREWITH - A computer-implemented transaction routing system including: a rule engine operative for receiving a flow of transaction data entities, using a processor for applying pre-imposed routing rules and determining routing of each data entity for which at least one pre-imposed routing rule is true to an external payment processor selected using the pre-imposed routing rule; and a transaction processing analyzer operative to accumulate data characterizing current handling by respective payment processors of at least transaction data entities routed to the respective payment processors by this system to maintain, by using a processor to compute, from the data, current statistics quantifying at least one handling aspect quality characterizing each of the plurality of supported payment processors, and to route at least each transaction data entity for which no pre-imposed routing-rules are true to a “best” payment processor selected by applying predetermined aspect combining criteria which prioritize the aspects to the current statistics. | 2017-12-21 |
20170364916 | SYSTEMS AND METHODS FOR BUILDING PEER NETWORKS - A network builder (NB) computing device for building a peer network used to authenticate suspect payment transactions and thereby improve data security over a payment network is provided. The NB computing device includes a processor in communication with a memory. The processor retrieves candidate historical transaction data for a candidate cardholder including a first plurality of historical data elements and retrieves model historical transaction data for a plurality of model cardholders including a second plurality of historical data elements. The model historical transaction data includes previously authenticated and authorized payment transactions. The processor compares the candidate historical transaction data to the model historical transaction data, identifies matching historical data elements, and builds a first peer network between the candidate cardholder and a first set of model cardholders associated with the matching historical data elements. The first peer network is stored in the memory. | 2017-12-21 |
20170364917 | ASSURANCE OF IDENTITY INFORMATION - A computer-implemented method for assuring identity information representing identity of an entity is provided. The method determines ( | 2017-12-21 |
20170364918 | SYSTEMS AND METHODS FOR BUDGET, FINANCIAL ACCOUNT ALERTS MANAGEMENT, REMEDIAL ACTION CONTROLS AND FRAUD MONITORING - A method includes applying at least one fraud management machine learning algorithm to a corpus of payment card account transactions. A fraud management profile is built for a payment account holder who performed the payment card account transactions. After the algorithm is applied, the account holder is issued access to perform EFT (electronic funds transfer) transactions via an EFT network switch. The EFT transactions are initiated by the account holder at payment card account acceptance points. The EFT transactions are funded by a bank deposit account owned by the account holder. The fraud management profile is applied to perform fraud management review of the EFT transactions. | 2017-12-21 |
20170364919 | Mobile Fraud Prevention System and Method - A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories. The fraud prevention system may also include at least one computer processor programmed for detecting occurrence of the account-related events, accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event, activating a fraud prevention user interface for the user when fraud prevention action is required, and receiving user instructions through the fraud prevention interface and processing the user instructions. | 2017-12-21 |
20170364920 | SECURITY APPROACHES FOR VIRTUAL REALITY TRANSACTIONS - One embodiment of the invention is directed to a computer-implemented method comprising, receiving an indication that an avatar of a user has initiated a transaction in a virtual reality environment. The method further comprises obtaining a first biometric sample from the user interacting with the virtual reality hardware. The method further comprises generating a partial biometric template based at least in part on the first biometric sample. The method further comprises providing the partial biometric template and personal authentication information for the avatar to an authentication computer where the personal authentication information and the partial biometric template are used to authenticate the avatar. | 2017-12-21 |
20170364921 | System and Method for Recognizing and Generating Consistent Identification Keys - The present invention seeks to offer a system and method for recognizing patterns in key value identifier strings and seeks to provide a method for generating new unique key value identifier strings which follow pre-established patterns allowing users to keep a uniform format and simplify the future generation of key value identifiers. | 2017-12-21 |
20170364922 | CUSTOMER VALUE ASSESSMENT METHOD AND SYSTEM - The present invention provides a method for evaluating customer value, comprising: establishing a merchant database and cardholders' characteristics libraries, and there being an association relationship between the customer set of the merchant database and the cardholders' characteristics library, such that the data corresponding to a card number may be indexed from the cardholders' characteristics libraries by use of the card number in the customer set; upon receiving a processing request for the cardholder's transaction data, the switching platform processes the transaction data, while acquiring the cardholder's card number and an identity of the merchant which the cardholder consumes at; with the cardholder's card number and the merchant identity, acquiring a characteristics data related to the cardholder from the cardholders' characteristics libraries, and acquiring a data related to the merchant which the cardholder consumes at from the merchant database; determining a basic value information of the cardholder based on the data and the characteristics data, and generating a value data of the cardholder specific to the merchant based on the determined value information; transmitting the generated value data to a display component of the merchant, such that the merchant obtains the value information of the cardholder. | 2017-12-21 |
20170364923 | SAFETY MANAGEMENT SYSTEM, COMMUNICATION TERMINAL AND PROGRAM STORAGE MEDIUM - To provide a safety management system capable of appropriately delivering, to a user, a variety of safety information necessary for a product to be safely used and preserved, etc. [Solution] An address acquisition unit of a communication terminal acquires a web address corresponding to a product by optically reading the recognition code of the product. An information processing unit of the communication terminal accesses an information provision server by using the web address and acquires safety information. An information storage unit of the information provision server stores multiple kinds of safety information about each product, the information provision server appropriately selecting, on the basis of a prescribed selection criterion, any safety information from among the plurality of safety information pertaining to the product, and transmitting the selected safety information to the communication terminal. | 2017-12-21 |
20170364924 | MOBILE UNITS FOR FURNISHING, REPAIRING AND REFURBISHING RESIDENCES - A network of modular, multitier user's device (mobile unit) that identifies wear, tear and stains, and repairs and refurbishes indoor and outdoor of a house or building using historical data. The user's device also provides interior decoration and designing support, and supports bidding from the handymen or repair contract companies as well. In addition, the user's device supports subsequent promotions and sales, walls and floor underground mapping. A tier 3 user and manufacturer cloud based systems and services provides support for a plurality of the user's devices, to perform abovementioned functionalities. In addition, a tier 3 handyman/repair contract company server and tier 1-2 handyman/repair contract company device provide, sales and after sales support for the user's devices. Moreover, the infrastructure also provides layer based mapping services and supports an augmented reality presentation for the authorized people. | 2017-12-21 |
20170364925 | VECTOR-BASED CHARACTERIZATIONS OF PRODUCTS AND INDIVIDUALS WITH RESPECT TO CUSTOMER SERVICE AGENT ASSISTANCE - Systems, apparatuses, and methods are provided herein for providing customer service agent assistance. A system for providing customer service agent assistance comprises a customer profile database storing customer partiality vectors for a plurality of customers, the customer partiality vectors comprise customer value vectors, a communication device, and a control circuit. The control circuit being configured to: provide a customer service agent user interface on a user device associated with a customer service agent, associate a particular customer with the customer service agent, retrieving at least one customer value vector for the particular customer from the customer profile database, and cause, via the communication device, the at least one customer value vector of the particular customer to be displayed on the customer service agent user interface of the user device. | 2017-12-21 |
20170364926 | SYSTEM, METHOD, AND RECORDING MEDIUM FOR VEHICLE WEIGHT DETECTION - A vehicle weight detection method, system, and non-transitory computer readable medium, include calculating a first difference between a first expected weight of a vehicle and a first current weight of the vehicle based on On-Board Dash (OBD) input data, calculating a second difference between a second expected weight of the vehicle and a second current weight of the vehicle based on a spring-mass-damper mechanical algorithm using vehicle data received from a user device, a comparing circuit configured to compare each of the first difference and the second difference to a predetermined weight difference threshold value, and a location checking circuit configured to checks if a location of the vehicle matches a location in a list of verified weight change locations of a database if the comparing circuit detects at least one of the first difference and the second difference is greater than the predetermined weight difference threshold value. | 2017-12-21 |
20170364927 | Intelligent Adaptive Label Device and Method - Briefly, an intelligent label is associated with a good, and includes one or more permanent and irreversible electrochromic indicators that are used to report the condition of that good at selected points in the movement or usage of that good. These electrochromic indicators provide immediate visual information regarding the status of the good without need to interrogate or communicate with the electronics or processor on the intelligent label. In this way, anyone in the shipping or use chain for the good, including the end user consumer, can quickly understand whether the product is meeting shipping and quality standards. If a product fails to meet shipping or quality standards, the particular point where the product failed can be quickly and easily identified, and information can be used to assure the consumer remains safe, while providing essential information for improving the shipping process. It will be understood that the label may take many forms, such as a tag attached to the good, integrated into the packaging for the good, integrated into the good itself, or may even be an information area on a prepaid card for example. The label may also include, for example, print information regarding the good, usage or shipping rules, or address and coded information. | 2017-12-21 |
20170364928 | COMPLIANCE TRACKING AND INTELLIGENT SUGGESTING WITH INFORMATION ASSEMBLAGES - An information assemblage that includes a plurality of assets can be created and disseminated to a target audience. For instance, a target device can access the information assemblage via a secure web-based portal. Feedback corresponding to consumption of the information assemblage can be received. Based upon the feedback, a compliance measurement can be generated. Additionally or alternatively, suggestions can be yielded as a function of the feedback. For example, the suggestions can relate to forming an information assemblage, determining how to evaluate compliance from feedback based on the information assemblage, or supplying supplemental asset(s) to a target device. | 2017-12-21 |
20170364929 | METHOD AND SYSTEM FOR IDENTIFYING, AGGREGATING & TRANSFORMING EMOTIONAL STATES OF A USER USING A TEMPORAL PHASE TOPOLOGY FRAMEWORK - The invention provides a method and system for identifying, aggregating and transforming emotional states of a user using a temporal phase topology framework. Firstly, the method captures an emotional state of the user through one of a direct selection, a combination of sensors and one or more digital assets. The method, then, determines an emotional phase state corresponding to the emotional state of the user by performing a valence assessment, a phase assessment and a composite assessment of the captured emotional state. Thereafter, the method either aggregates a group of emotional phase states captured over a period of time to determine a medial emotional phase state or transforms the emotional phase state to a target emotional phase state and provides one or more recommendations or suggestions based on a selection of a stimulus categorized in accordance with the temporal phase topology framework corresponding to the target emotional phase state. | 2017-12-21 |
20170364930 | METHOD AND APPARATUS FOR ASSESSING CUSTOMER VALUE BASED ON CUSTOMER INTERACTIONS WITH ADVERTISEMENTS - A computer-implemented method and apparatus for assessing customer value of a customer based on customer interactions with advertisements are disclosed. An initial estimate of a customer value for a customer currently active on a Website related to an enterprise is determined. An estimate of an advertisement spend related to the customer and a propensity of the customer to perform an action in response to an advertisement displayed on the Website is also determined. A revised estimate of the customer value is generated by revising the initial estimate of customer value based on the estimate of advertisement spend related to the customer and the propensity of the customer to perform the action. The revised estimate of customer value is used to facilitate engagement with the customer on the Website. | 2017-12-21 |
20170364931 | DISTRIBUTED MODEL OPTIMIZER FOR CONTENT CONSUMPTION - A distributed model generation system includes a master node that estimates parameter sets for a topic classification (TC) model. The estimated parameter sets are loaded into a queue. Multiple training nodes download the estimated parameter sets from the queue for training associated TC models. The training nodes generate model performance values for the trained TC models and send the model performance values back to the master node. The master node uses the model performance values and the associated parameter sets to estimate additional TC model parameter sets. The master node estimates new parameter sets until a desired model performance value is obtained. The master node may use a Bayesian optimization to more efficiently estimate the parameter sets and may distribute the high processing demands of model training and testing operations to the training nodes. | 2017-12-21 |
20170364932 | DATA WAREHOUSE FOR MINING SEARCH QUERY LOGS - Systems, methods, and computer program products for mining search query logs. A data warehousing system includes a query database that stores data relating to search queries, a reservation history database that stores data relating to booked products, and a data warehousing application that extracts and processes the search query and booking data from the query and reservation history databases to produce statistical data. The data warehousing application generates historical query, booking, and specific flight booking pickup curves based on the extracted statistical data. A weighted average of the historical query and booking pickup curves is determined that provides a best fit with the flight specific pickup curve. A weighting factor that produced the best fit is then used to forecast demand for future flights. | 2017-12-21 |
20170364933 | USER MAINTENANCE SYSTEM AND METHOD - The present disclosure relates to a method for predicting an order value. The method includes: obtaining information, wherein the information includes a historical order; determining an attribute feature of the historical order based on the information; and predicting the order value based on the attribute feature. The present disclosure also relates to a system for predicting the order value. The system includes a receiving module and a processing module, wherein the processing module is configured to predict the order value. | 2017-12-21 |
20170364934 | DEMOGRAPHIC BASED ADJUSTMENT OF DATA PROCESSING DECISION RESULTS - Techniques are described for iteratively adjusting data processing decision results in accordance with rules. In some implementations, the applied rules may be data ethics rules associated with particular demographic groups, such as users in a particular geographic location, users in a particular age range, and so forth. The rules may describe the manner in which data, such as data that describes or identifies individuals, is collected, stored, analyzed, applied, manipulated, and/or destroyed. The various stages of data handling may be described as a data supply chain, and a set of rules may apply to the handling of data at one or more stages of the data supply chain. The rules may enforce data privacy considerations and/or other types of constraints on data handling. | 2017-12-21 |
20170364935 | METHOD AND SYSTEM FOR AWARD IDENTIFICATION BASED ON TRANSACTIONAL BEHAVIOR AND INTERESTS - A method for award identification based on transactional behavior and interests comprising: identifying a subset of transaction data entries stored in the transaction database, wherein each transaction data entry in the subset includes the transaction account; determining, when the subset of transaction data entries exceeds a predetermined threshold; qualifying, the transaction account for an entry into a random drawing; identifying, winning transaction account from the plurality of transaction accounts that were entered into the random drawing; identifying at least one set of interest characteristics for the winning transaction account by: querying the demographic database and the profile database to identify, from an award database, a surprise based on the life stage and specific identified area of special interest of the consumer; and transmitting notice of the identified surprise to a computing device of the consumer. | 2017-12-21 |
20170364936 | COMPUTER-IMPLEMENTED ELECTRONIC COUPON SYSTEM AND METHODS USING A BLOCKCHAIN - A computer implemented electronic computer system using a blockchain method for creating, distributing, validating, and redeeming a secure electronic smartcoupon. A smartcoupon transaction record is highly secure and may comprise embedded business rules that define the requirements that consumers and retailers must meet for the smartcoupon to redeemed. Consumers may save or hold smartcoupons in a variety of different digital wallets. Retailers may redeem through their POS system by evaluating the embedded business rules in the smartcoupon against the consumer's purchase basket and if valid, completing the redemption process by publishing a redemption token to smartcoupon transaction record on the Blockchain database. | 2017-12-21 |
20170364937 | Permission Marketing - The Permission Marketing invention involves the distribution of merchant coupons, discounts, enticements, rewards, and up-front incentives sent via a mobile communication channel, post purchase to a consumer's mobile device. Enrollment is automatic once the consumer registers at least one credit or debit card using a card control application. Rewards are incentives earned by a consumer for using his account on a regular basis and/or in a particular way. The reward frequency and value offered provided by a merchant is dependent on the frequency, amount, and products purchased by a consumer. Merchants desire to increase earnings by encouraging consumers to make purchases with their company rather than a competitor. This invention outlines an improved and effective system and method for encouraging the use of a reward system as a catalyst for consumer merchant selection. | 2017-12-21 |
20170364938 | SYSTEM AND METHOD FOR USERS TO DESIGNATE ACCOUNTS FROM WHICH TO TRADE REWARDS - A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access. | 2017-12-21 |
20170364939 | TECHNOLOGY FOR USER ENGAGEMENT - A method for engaging a message recipient includes receiving, by a computer system for a recipient, a message having a collectible associated with at least one predetermined area of the message, wherein the at least one predetermined area has been selected by a sender. The method further includes detecting, by the computer system, that the recipient has viewed the at least one predetermined area of the message and awarding the collectible to the recipient by the computer system, so that the recipient can use the collectible in a transaction, wherein the awarding is responsive to the detecting of the viewing of the at least one predetermined area of the message. | 2017-12-21 |
20170364940 | System and Method for Targeted Marketing and Consumer Resource Management - Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers. | 2017-12-21 |
20170364941 | DYNAMIC IN-STORE BARCODE PROMOTIONS - A computer-implemented method includes receiving a decoded value multiple times from multiple respective devices. The decoded value is formed by decoding an image of a graphic. For each reception of the decoded value, a reward that is to be awarded for providing the decoded value is identified such that for any one reception of the decoded value, the reward is dependent in part on how many times the decoded value has been received. | 2017-12-21 |
20170364942 | DISCOVERING AND INTERACTING WITH PROXIMATE AUTOMOBILES - As disclosed herein a computer-implemented method includes identifying, by a first automobile, a proximate automobile, and determining a trust score corresponding to the proximate automobile. The method further includes conducting an affinity group qualification process responsive to the trust score exceeding a selected threshold value, and inviting the proximate automobile into the affinity group responsive to the proximate automobile passing the affinity group qualification process. A computer program product and a computer system corresponding to the above method are also disclosed herein. | 2017-12-21 |
20170364943 | MARKETING SYSTEM AND METHOD - A computer-implemented method for marketing a product of a partner includes generating a link that is unique to the partner; receiving a request, comprising the link, from a non-partner, wherein the non-partner receives a coding invitation from the partner, the coding invitation including the link; associating the non-partner with the partner based on the link in the request; receiving a coding from the non-partner; and saving the coding and providing a result of the coding to the partner and the non-partner. | 2017-12-21 |
20170364944 | SYSTEMS AND METHODS FOR EFFICIENT PROCESSING OF LARGE SCALE PROPAGATION OF RESOURCES AMONG ACCOUNTS - Accounts are grouped via database connections to form account groups that can be used to efficiently track the propagation of resources or privileges. Virtual accounts can be grouped via non-replaceable connections, where each of the virtual accounts is limited for online transactions with a predefined website without a respective account identification device for presenting account identification information to a reader of a transaction terminal for offline transactions. A primary account in a non-replaceable group of virtual accounts may include (or be linked to) resources and/or privileges that can be propagated to the secondary accounts in the non-replaceable group. The primary account may be a virtual account, or a non-virtual account. | 2017-12-21 |
20170364945 | SYSTEMS AND METHODS FOR ONLINE AD PRICING - A computer-implemented method for optimizing publisher profits in online advertising based on real market movements is provided. The method may include dividing an advertisement (ad) placement for an ad unit into a plurality of levels. The method may also include generating a plurality of variables that are configured to test for the real market movements between levels. The method may further include processing ad impressions based on the plurality of variables within a time period to evaluate the real market movements for the ad unit, and determining whether to adjust one or more of the minimum floor prices based on a score for each variable calculated within the time period. | 2017-12-21 |