52nd week of 2016 patent applcation highlights part 50 |
Patent application number | Title | Published |
20160379168 | Optimized Capacity Matching for Transport Logistics Accounting for Individual Transport Schedules - An ad-hoc logistics solution can identify optimal solutions for the spatio-temporal problem of adding a transport to the route calendar of a transport vehicle.□ For example, an initial set of transport assignments that may be added to a route calendar of a driver of a vehicle can be identified by eliminating potential transport assignments for which the vehicle does not meet equipment and/or accessibility criteria for a location associated with the potential transport assignment, and suggestions can be found for insertion of a candidate transport assignment from the initial set of transport assignments into the route calendar. The suggestions can be validated by applying a set of constraints to determine whether each suggestion is feasible and then ranked such that a highest ranked suggestion is placed into the route calendar. | 2016-12-29 |
20160379169 | CONFERENCE INFORMATION ACCUMULATING APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT - According to an embodiment, a conference information accumulating apparatus is for accumulating conference information. The apparatus includes a generator and a calculator. The generator is configured to generate a user interface screen either for creating minutes of a conference based on the conference information or for viewing the created minutes. The calculator is configured to calculate a correlation between a written text that is a unit in which the minutes are written and the conference information, based on a predetermined operation performed using the user interface screen by a minutes creator. The generator generates, upon detection of the conference information that is correlated with the written text, the user interface screen enabling a reference to the conference information. | 2016-12-29 |
20160379170 | CAREER ANALYTICS PLATFORM - A method and system for assessing a career profile of a candidate is disclosed. The system comprises a database configured to include a plurality of parameters and a plurality of scores respective to each parameter, a parser configured to parse the career profile to identify at least one parameter from the plurality of parameters within the career profile and an analytics engine configured to retrieve a score from the plurality of scores for the at least one parameter identified within the career profile, compute a score of at least one category based on the retrieved score, wherein the at least one category comprises the at least one parameter identified within the career profile, and provide feedback to the candidate on the career profile in accordance with the computed score of the at least one category. | 2016-12-29 |
20160379171 | CROWD-SOURCE CALENDAR SHARING - In one embodiment, a network interface receives a first calendar meeting report from a first user and a second calendar meeting report from a second user. The first user and the second user are located on an internal network. The first calendar meeting report comprises first meeting attendees and a first calendar meeting time. The second calendar meeting report comprises second meeting attendees and a second calendar meeting time. A processor determines a common meeting attendee from the first meeting attendees and the second meeting attendees. The common meeting attendee is located on an external network, and the first user and the second user are unable to access calendar scheduling data associated with the common meeting attendee. The processor then generates a common calendar on the internal network. The common calendar associated with the common meeting attendee comprises the first calendar meeting time and the second calendar meeting time. | 2016-12-29 |
20160379172 | METHOD AND DEVICE FOR CREATING EVENT REMINDER - The present disclosure relates to an event reminder method and an event reminder device, to create reminders automatically to remind users to early necessary articles. The method includes determining whether a received communication message includes an article-carrying notification. The method also includes obtaining information about an article to be carried from the article-carrying notification when determining that the received communication message includes the article-carrying notification. The method further includes creating an event reminder according to the information about the article to be carried. | 2016-12-29 |
20160379173 | APPOINTMENT SCHEDULING SYSTEM AND METHODS - Methods and systems are described for providing a marketplace between consumers (e.g., patients, parents, guardians, pet owners, and/or other users) and providers of services, such as health services. The marketplace method and system may identify appointment availability, provide ratings for service providers, provide prices for the services delivered, identify and indicate locations for providers, facilitate scheduling of appointments, and provide a payment handling process for the services provided. In addition, the marketplace may provide bi-directional communications between consumers and providers. | 2016-12-29 |
20160379174 | System and Method for Coordinating the Activities of Locomotory Creatures - A system and method are provided to facilitate pet owners meeting other pet owners having similar pets, and allowing the pets and their owners to mingle and socialize with one another. The system and method may be adapted for use with any species of pet. Alternative embodiments may also be adapted for facilitating runners or other fitness conscious individuals to meet and coordinate work outs with other like-minded fitness conscious individual. Still other alternative embodiments may be adapted for facilitating the coordination family or children's activities amongst a community of similarly situated families. A preferred embodiment facilitates the coordination of dog walking activities among users by communicating information about a first dog owner and his or her dog to one or more other dog owners located in the same general area as the first dog owner. Similar information about the other dog owners and their dogs is communicated to the first dog owner. Based on the information received by the first dog owner about the other dog owners and dogs located in the first dog owner's vicinity, the first dog owner may choose when and where he or she decides to walk his or her dog in order to increase the likelihood that they will meet up with known friendly dog owners and their dogs. Similarly, the first dog owner may use the information about nearby dog owners and dogs to avoid meeting dog owners and dogs with whom the first dog owner or the first dog owner's dog are not friendly. | 2016-12-29 |
20160379175 | System and Method for Automated Optimized Personal Task Scheduling and Targeted Advertising - The present invention describes mobile phone applications that include methods and systems which automatically schedule tasks from a dynamically-changing task list for efficient utilization of available time. Unlike the prior personal task scheduling systems, the proposed system uses optimization algorithms and computer programs when creating a time schedule of tasks. In order to schedule individual tasks, the system takes into account multiple constraints controllable by the user. Basic constraints include individual task's deadline, start-time, minimum and maximum time-chunks for task fragments, relative priority of tasks (in case of time-collision), etc. Further constraints may include user's general preferences regarding individual task or group of tasks. Specifically, preferences may include time-of-day (e.g., morning, evening), location (e.g., home, work, particular grocery store or chain, particular gym, park), etc. In order to schedule the tasks, the system considers the user's calendar information and regards scheduled time-slots in the calendar as unavailable time for task scheduling. The system also considers as unavailable user-defined time periods reserved for such activities as sleeping, eating, resting, etc., unless the task specifically involves such activities. Furthermore, the system is flexible in the sense that the user can choose not to follow the advised task schedule and reprioritize tasks at his/her will. The system contains other interactive features such as issuing various task alerts to the user, allows the user to decline/delegate tasks and visualization (e.g. based on color coding) of the task-list (based on the status of the tasks, for example, close to completion, cannot be delegated etc.). The allocation is adaptive, in that, the schedule is automatically updated as new tasks enter the system, after task completions, when task priorities are modified, and based on other user inputs such as task declining/delegation. Finally, the system can be operated in a networked mode in which joint tasks involving multiple users (and their calendars) can be scheduled. Since the system will store the calendared event times of each user in the server, a joint task among multiple users can be scheduled based on the superimposed calendars of the users while protecting privacy of individual user's calendars. | 2016-12-29 |
20160379176 | DETECTION AND INTERPRETATION OF VISUAL INDICATORS - Devices, systems and methods are disclosed that detect and interpret the meaning of visual indicators (such as LEDs) of devices, and provide information and solutions to potential malfunctions to users. For example, image data of the visual indicators can be captured by an image capture device (such as a camera). The image data may then be analyzed to identify an object captured in the image data. Luminescence of pixel values in the image data corresponding to a visual indicator of the object may be used to determine a sequence of the visual indicator. Then, information corresponding to the meaning of the sequence may be sent to a device of a user or owner of the object. | 2016-12-29 |
20160379177 | PUNCHING APPARATUS CAPABLE OF UPDATING MAINTENANCE INFORMATION AND PUNCHING SYSTEM - A punching apparatus capable of performing update work for updating maintenance information, irrespective of whether or not a punch die is mounted. A puncher includes a punching unit that punches a sheet using an exchangeable punch die provided with a die memory, and a CPU that detects mounting of a punch die in the punching unit. The CPU receives an update request requesting update of maintenance information stored in the die memory of the punch die. If mounting of the punch die is detected, when the update request designating the punch die is received, the CPU updates the maintenance information of the punch die based on the update request. If mounting of the punch die is not detected, the CPU updates the maintenance information of the punch die when mounting of the punch die is detected. | 2016-12-29 |
20160379178 | INSPECTION RESULT UPDATE CONTROL METHOD, INSPECTION RESULT STORAGE CONTROL METHOD, INSPECTION RESULT UPDATE CONTROL SYSTEM, AND INSPECTION RESULT STORAGE CONTROL SYSTEM - An inspection result update control method includes performing control to accept updating an inspection result of an inspection subject included in an inspection set from a first terminal having initially downloaded data for inputting inspection results of the inspection set and control to restrict updating an inspection result of the inspection subject from a second terminal when the data for inputting the inspection results of the inspection set are downloaded, the inspection subjects being inspected in a predefined inspection order; and performing control to accept updating an individual inspection result of an inspection subject from the first terminal having initially downloaded data for inputting individual inspection results of the individual inspection subjects as well as accepting updating an individual inspection result of the individual inspection subject from the second terminal when data for inputting the individual inspection results of the individual inspection subjects are downloaded. | 2016-12-29 |
20160379179 | METHOD AND APPARATUS FOR DISTRIBUTED ASSET LOCATION MONITORING - A method or system for distributed asset location monitoring may include determining a current device location of a mobile electronic device, sending the current device location to an asset-tracking device, receiving a previous asset location from the asset-tracking device, and storing the current device location and the previous asset location in an asset-tracking record. In some examples, the asset-tracking device includes a readable and writable near field communication (NFC) tag, and sending the current device location to the asset-tracking device causes the current device location to be written to the NFC tag. In some examples, the asset-tracking device includes an environmental data logger, and the NFC tag may store environmental data including temperature, humidity, barometric elevation, or acceleration. | 2016-12-29 |
20160379180 | MONITORING MODULE USAGE IN A DATA PROCESSING SYSTEM - Embodiments of the invention monitor node usage in a transaction processing system. Embodiments include accessing a dynamic mapping of transaction flow in the transaction processing system, the dynamic mapping including a plurality of transaction pathways interconnected by transaction nodes, wherein the transaction nodes represent an automated processing step or action taken by a manual station of the transaction processing system on transactions files that are received at the transaction nodes; wherein the transaction processing system processes a transaction file at a first node and stores information corresponding to the first node and the type of processing that occurred at the first node with the transaction file; determining that the transaction file was processed at the first node; accessing the transaction file to determine the type of processing that occurred at the first node; and performing an action related to the type of processing that occurred at the first node. | 2016-12-29 |
20160379181 | SYSTEM AND METHOD FOR PAYMENT PLATFORM SELF-CERTIFICATION FOR PROCESSING FINANCIAL TRANSACTIONS WITH PAYMENT NETWORKS - Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor. | 2016-12-29 |
20160379182 | Methods for Providing an Online Consumer Network - Methods for providing a consumer services network are provided. For each electronic transaction that occurs between members of the network, a public and private trust rating score are determined based on the outcome and quality of electronic transactions. | 2016-12-29 |
20160379183 | METHODS AND SYSTEMS FOR AGNOSTIC PAYMENT SYSTEMS - Computationally implemented methods and systems include potential transaction between a client and a vendor indicator acquiring module, vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module, and application of a client payment channel to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 2016-12-29 |
20160379184 | DYNAMIC RESOURCE MANAGEMENT ASSOCIATED WITH PAYMENT INSTRUMENT EXCEPTIONS PROCESSING - Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing. As such, once an exception is identified during the processing the exception is directed to an appropriate resource for processing. The system monitors work flow nodes and resource experience to prevent bottlenecks or underutilization. Furthermore, the system employs awards and gamification models for exception processing. | 2016-12-29 |
20160379185 | PREDICTIVE DETERMINATION AND RESOLUTION OF A VALUE OF INDICIA LOCATED IN A NEGOTIABLE INSTRUMENT ELECTRONIC IMAGE - Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process. | 2016-12-29 |
20160379186 | ELEMENT LEVEL CONFIDENCE SCORING OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING - Disclosed are systems, methods, and computer program products that provide for element level confidence scoring of elements of a payment instrument for exceptions processing. More specifically, the invention involves receiving a threshold confidence score, identifying elements within an image of a financial document, determining a confidence score for each element, wherein the confidence score is based on a likelihood that the identified element is the correct alphanumeric character from the image of the financial document, determining that a first element has a confidence score below the threshold confidence score, and providing the first element to a user for exception element processing. The system then receives a correct element from the user to replace the first element, and then processes the financial document using the replaced element instead of the first element. | 2016-12-29 |
20160379187 | ELECTRONIC RECEIPT SYSTEM - A bank identity for an electronic payment tool of a user is created by an e-receipt company computer system and it is associated with a user identity. The bank identity is sent to a bank computer system and it gets associated with a bank account maintained at a financial institution. The bank identity and a transaction details data are sent to the e-receipt company computer system and to a store system upon receiving a request for payment with use of the electronic payment tool at the store system. The store system sends a receipt data and the transaction details to the electronic receipt company computer system. The e-receipt company computer system combines the user identity, the receipt data and the transaction details data based on a transaction identity included in the transaction details data to generate an electronic receipt which is made accessible through a client device over a network. | 2016-12-29 |
20160379188 | METHODS AND APPARATUS FOR FINANCIAL TRANSACTIONS - Methods and apparatus for transferring funds are disclosed. In particular methods and systems for transferring funds comprising: receiving an image of a logo from a mobile device wherein the image of a logo has been captured by an image capture device integrated into the mobile device; receiving data from the mobile device, the data associated with the image of a logo and identifying a sending party's account; comparing the image of a logo with a plurality of images of logos stored in a database; finding a matching image from the plurality of images of logos; determining a receiving party's account associated with the matching image; and, causing funds to be transferred from the sending party's account to the receiving party's account. | 2016-12-29 |
20160379189 | NON-INTERFERING TRANSACTIONS - Embodiments relate to non-interfering transactions. An aspect includes receiving, by a first transaction, a conflicting remote access request from a requester, the remote access request being directed to a memory area that is owned as part of at least one of a transactional read set and transactional write set by the first transaction. Another aspect includes determining whether the requester is a second transaction that is indicated as a non-interfering transaction with respect to the first transaction. Another aspect includes, based on determining that the requester is indicated as a non-interfering transaction with the first transaction, handling the remote access request. Yet another aspect includes continuing execution of the first transaction and the second transaction after handling the remote access request. | 2016-12-29 |
20160379190 | ELEMENT LEVEL PRESENTATION OF ELEMENTS OF A PAYMENT INSTRUMENT FOR EXCEPTIONS PROCESSING - Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element. | 2016-12-29 |
20160379191 | SECURING SENSITIVE USER DATA ASSOCIATED WITH ELECTRONIC TRANSACTIONS - A payment processor for providing a payment service includes a transaction processor to process a transaction request. An application programming interface links a merchant to the transaction processor based on an identifier. A merchant center, located between a gateway and a point of sale device of the merchant, queries a database for information associated with a buyer and the merchant based on information received from the point of sale device, to generate the transaction request based from merchant transaction data received from the point of sale device and the information associated with the buyer and the merchant received from the database, and to communicate the transaction request to the transaction processor. The transaction processor also communicates information associated with the transaction request with the merchant based on the identifier. | 2016-12-29 |
20160379192 | Multi-Directional Wallet Connector Apparatuses, Methods and Systems - The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet. | 2016-12-29 |
20160379193 | METHOD AND SYSTEM FOR THIN CLIENT BASED IMAGE AND TRANSACTION MANAGEMENT - Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at least digital images of the original paper deposits and respective deposit information, the system comprising: a communications module that provides a list of one or more deposit functions assigned to each respective user, each of the deposit functions coordinated by a corresponding module of the plurality of deposit modules, and that provides a list of the respective digital data that is associated with each of the assigned deposit modules; the plurality of deposit modules that facilitates a distribution of the deposit functions for the collection and processing of the digital data with one or more users of the plurality of users, the deposit modules including a first module that monitors receipt of the digital images and respective deposit information of the digital data, the first module associated with a scanner function of the list of deposit functions, and including a second module for implementing on the digital data a second deposit function of the plurality of the deposit functions; and a workflow module that monitors a flow of the digital data between the first deposit module and the second deposit module based on a completion status of the digital data with respect to the first module. | 2016-12-29 |
20160379194 | Platform For Progressive On-Line Group Purchasing - This invention relates to a method of providing progressive on-line group purchasing of goods and services including the steps of selecting articles to be purchased, receiving a target group size and price, creating a group of target size from among friends in at least one social network, communicating separate purchasing and payment information to a retailer's server, and receiving from said retailer's server separate proofs of purchase for each one of the group members. | 2016-12-29 |
20160379195 | SYSTEMS AND METHODS FOR ACTIVATION AND DEACTIVATION OF APPLIANCES - An autonomously powered system comprising a data receiving device and charge controller is provided. The receiving device receives a code comprising an amount, system serial number, and series number. The controller is in electrical communication with an appliance that provides electricity. The controller evaluates appliance usage against a threshold amount. The threshold amount defines an amount that the appliance can be in an enabled state before being disabled, either as a period of time during which the appliance is enabled, an amount of time the appliance is usable in the enabled state, or an amount of power that is used by the appliance before being disabled. Responsive to determining that appliance usage is less than the threshold, the appliance is enabled. Responsive to determining that appliance usage exceeds the threshold, the appliance is disabled. Responsive to determining that the code is valid, the threshold is adjusted responsive to the code. | 2016-12-29 |
20160379196 | Network System, Control Method of a Network System, and Management Server - A system including plural servers efficiently synchronizes data on different servers. When an instruction to update store management data is executed, a management server reports data was updated to the POS server. The POS server sends to the management server information indicating when the store management data was last updated. The management server then sends to the POS server update information including information related to updates to the store management data made between the last update indicated by the received information and the current update, and information indicating when the current update was applied. The POS server updates the store management data based on the update information, and stores information indicating when the current update was applied. | 2016-12-29 |
20160379197 | COMMODITY SALES DATA PROCESSING APPARATUS, PORTABLE TERMINAL AND METHOD - A portable terminal includes a wireless communication adopter and a processor. The wireless communication adopter executes wireless communication with a commodity sales data processing apparatus. The processor executes settlement processing on the basis of commodity information and in response to receiving the commodity information containing a price of a commodity from the commodity sales data processing apparatus via the wireless communication adopter. Additionally, the processor transmits, via the communication adopter, settlement information resulting from the settlement processing, to the commodity sales data processing apparatus. | 2016-12-29 |
20160379198 | COMMODITY SALES DATA PROCESSING APPARATUS - A commodity sales data processing apparatus receives the input of a customer identification data for identifying a customer, and retrieves a customer data storage section in which a customer data containing an issue-classification of a receipt is set in advance in association with the customer identification data for identifying each customer to determine the issue-classification contained in the customer data set in association with the customer identification data. Further, the commodity sales data processing apparatus selectively executes a receipt issuing processing for issuing the receipt according to the determined issue-classification. | 2016-12-29 |
20160379199 | ENSURING BATCH INTEGRITY IN A PAYMENT INSTRUMENT EXCEPTIONS PROCESSING SYSTEM - Embodiments of the invention include systems, methods, and computer-program products for ensuring payment instrument batch integrity. Embodiments determine an expected balance associated with a batch of payment instruments; determine an amount associated with each of the payment instruments in the batch; sum the amounts, resulting in a total balance; compare the total balance with the expected balance; determine that the total balance is not equal to the expected balance; in response to determining that the total balance is not equal to the expected balance, identify payee information extracted from at least one of the payment instruments; and use the identified payee information to determine an outlier payment instrument. | 2016-12-29 |
20160379200 | SYSTEMS, METHODS, DEVICES, AND COMPUTER READABLE MEDIA FOR MONITORING PROXIMITY MOBILE PAYMENT TRANSACTIONS - Systems, methods, devices, and computer readable media for monitoring and guiding proximity mobile payment transactions are provided. Proximity mobile payment transactions conducted at a contactless point of sale terminal using mobile devices are monitored at a backend server. The backend server receives observational data captured during and concerning such proximity mobile payment transactions and analyses the received observational data to determine one or more characteristics common to at least some of the proximity mobile payment transactions. Based on the one or more characteristics, the backend server determines whether the contactless POS functions within predetermined operational parameters and may automatically issue a request for servicing the POS terminal if it is determined that the POS is not functioning within the predetermined operational parameters. | 2016-12-29 |
20160379201 | System and Methods for Providing Gratuity Based on Location - A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location. | 2016-12-29 |
20160379202 | PROVIDING LOCATION-BASED FEEDBACK SERVICES - Facilitating rendering of a digital gratuity, with or without an associated value, to a service worker by a customer. A communication device associated with a geographical area and at least one service worker can be detected by a mobile computing device associated with a customer. The mobile computing device can receive signals from the communication device. A location can be determined for the mobile computing device associated with the customer and a determination can be made as to whether a service worker is within a threshold distance from the mobile computing device of the customer. In response to determining that a service worker is within a threshold distance of the mobile communication device, a rendering of a digital gratuity by the customer to the service worker can be effectuated. | 2016-12-29 |
20160379203 | METHOD OF GENERATING A BANK TRANSACTION REQUEST FOR A MOBILE TERMINAL HAVING A SECURE MODULE - The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol. The invention also provides the mobile terminal hosting the payment application and including a secure module hosting the encryption application. | 2016-12-29 |
20160379204 | MULTI-BILLER PAYMENT SYSTEMS AND METHODS - Various embodiments herein each include at least one of systems, methods, and software for electronic transaction processing. One embodiment includes a method that may be performed by a server includes maintaining a database of payee accounts. A payee account may include at least a payee identifier and a payee bank account identifier. This method further includes decrypting code data including at least a payee identifier received from a node over a network via a network interface. The method may then retrieve a payee bank account identifier from the database based on the decrypted payee identifier and transmit a form of the payee bank account identifier to the node over the network via the network interface device. Some such embodiments include a single server, which may actually be multiple servers operating jointly, that provide such services for multiple payees. | 2016-12-29 |
20160379205 | FACILITATING TRANSACTIONS WITH A USER ACCOUNT USING A WIRELESS DEVICE - A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal. | 2016-12-29 |
20160379206 | METHOD FOR PAYMENT AND ELECTRONIC DEVICE PERFORMING THE SAME - An electronic device that makes a payment with an external payment device includes a power module configured to power the electronic device is provided. The electronic device includes a memory configured to store first payment information that accompanies a user authentication and second payment information that does not accompany the user authentication, a near-field wireless communication module configured to send the first payment information or the second payment information stored in the memory to the external payment device, and a processor configured to obtain power information of the power module, to set the memory such that the first payment information is sent to the external payment device if a value corresponding to the power information is greater than or equal to a power value, and to set the memory such that the second payment information is sent to the external payment device if the value corresponding to the power information is less than the power value. | 2016-12-29 |
20160379207 | SECURED CREDENTIAL AGGREGATOR - An apparatus for aggregating secured credentials is described herein. The apparatus includes a processor and a memory. The memory includes code causing the processor to provision a plurality of secured credentials on the apparatus. The code causes the processor to isolate the secured credentials from each other in the memory. The code also causes the processor to emulate a selected secured credential from the secured credentials for a transaction. | 2016-12-29 |
20160379208 | SYSTEMS AND METHODS FOR IN-APPLICATION AND IN-BROWSER PURCHASES - A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device. | 2016-12-29 |
20160379209 | METHODS, APPARATUS AND COMPUTER PROGRAM PRODUCTS FOR SECURELY ACCESSING ACCOUNT DATA - Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar. | 2016-12-29 |
20160379210 | METHOD OF CONDUCTING A TRANSACTION BASED ON A CODE - A method of conducting a transaction. The method receives a first request from an originating device. The first request comprises a first identification. A code is provided to a payer device for conducting the transaction. A second request is processed from a payee device to complete the transaction. The second request comprises a transaction amount, wherein the transaction is completed based on a verification of the code. | 2016-12-29 |
20160379211 | SYSTEMS AND METHODS FOR BIOMETRIC AUTHENTICATION OF TRANSACTIONS - Systems and methods are provided for authorizing a user in connection with a transaction at a transaction terminal. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture a code that uniquely identifies a transaction terminal. In addition the mobile device can also capture a user's biometrics, generate a biometric identifier and biometrically verify the user's identity by comparing the biometric identifier to a previously generated biometric identifier. If the user is biometrically authenticated the mobile device can generate a transaction request including, a user identifier, a mobile device identifier, and the transaction terminal code and transmit the transaction request to a system server. Based on the transaction request, the system server can further authenticate the user and/or approve the requested transaction. If the user is authenticated, the system server can instruct the terminal to advance the financial transaction. | 2016-12-29 |
20160379212 | SYSTEM, APPARATUS AND METHOD FOR PERFORMING CRYPTOGRAPHIC OPERATIONS IN A TRUSTED EXECUTION ENVIRONMENT - In one embodiment, an apparatus includes a calculation logic to receive a plurality of wait certificates, each associated with a validated block of transactions of a distributed ledger system, and to generate a local mean value based thereon; a timer generation logic to generate a wait time for a proof of wait associated with a first block of transactions of the distributed ledger system based at least in part on the local mean value; a timer logic to identify when the wait period has expired; and a certificate generation logic to generate a wait certificate for the first block of transactions responsive to expiration of the wait period, the wait certificate to validate the first block of transactions. Other embodiments are described and claimed. | 2016-12-29 |
20160379213 | SYSTEM AND METHOD FOR PROVIDING A BROWSER API FOR MANAGING PRODUCT PURCHASES - Disclosed is an updated browser having an API for communicating payment data between the browser and a site for processing payments of purchases and to reduce the number of user interactions needed for a purchasing process. The method includes receiving, via the user interface, an interaction by a user with an object associated with a site, the interaction indicating a user intent to make a purchase, receiving, based on the interaction and via an application programming interface, a request from the site for payment data in connection with the purchase and transmitting, to the site and via the application programming interface, the payment data, wherein the payment data confirms the purchase or can be used to process or deliver a product associated with the purchase. | 2016-12-29 |
20160379214 | PRIVACY PROTECTION IN ECOMMERCE/LOGISTICS - Various embodiments secure a customer's private data within a logistics environment. In one embodiment, a graphical object including encoded data associated with an order for goods is generated. The encoded data within the graphical object is machine-only readable. An electronic shipping form is generated. The electronic shipping form includes at least a delivery address associated with the order and the graphical object. Private data associated with a customer is inaccessible to a human via the electronic shipping form. The electronic shipping form is wirelessly transmitted to an electronic device associated with a delivery person. | 2016-12-29 |
20160379215 | METHOD AND SYSTEM FOR SUPERVISORY CONTROL OF PAYMENT TRANSACTIONS - A method for facilitating supervisory control of payment transactions initiated using a computing device includes: storing account profiles, each including a first identifier, second identifier, and transaction controls; receiving transaction details from a second device for a payment transaction, the transaction details including a second identifier and transaction data values; identifying a specific profile that includes the second identifier; determining that the payment transaction does not satisfy the transaction controls in the specific profile based the transaction data values; transmitting a confirmation request including the transaction data values to the first device associated with the first identifier in the specific profile; receiving a confirmation message from the first device indicating approval or denial of the payment transaction; and transmitting a message to at least one of: the second device, a payment network, and a merchant involved in the payment transaction based on the indication. | 2016-12-29 |
20160379216 | AUTOMATIC CHARGEBACK MANAGEMENT - Technologies for automatically managing chargebacks include a chargeback processing server for receiving a chargeback corresponding to a disputed payment vehicle transaction and analyzing chargeback data as a function of historical chargeback win data and transaction-specific economic feasibility data. The chargeback processing server automatically determines, based on the analysis of the chargeback data, whether further review of the chargeback is necessary, whether to automatically represent the disputed payment vehicle transaction, or whether to automatically accept financial liability for the disputed payment vehicle transaction. Additionally, the chargeback processing server automatically collects representment evidence in response to determining to automatically represent the disputed payment vehicle transaction. Other embodiments are described and claimed. | 2016-12-29 |
20160379217 | SECURE COMMUNICATION OF PAYMENT INFORMATION TO MERCHANTS USING A VERIFICATION TOKEN - Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens. | 2016-12-29 |
20160379218 | AUTHORIZING THE USE OF A BIOMETRIC CARD - Embodiments of the present invention provide a system and method for authorizing the use of a biometric transaction card. Specifically, embodiments of the present invention provide a biometric card having a biometric sensor to determine whether the biometric information (fingerprint) is from human skin. In a typical embodiment, the cardholder approaches a magnetic reader with the card. The user places his/her finger on the SpO | 2016-12-29 |
20160379219 | SETTLEMENT APPARATUS - According to one embodiment, a settlement apparatus includes a commodity detection unit, a personal authentication unit, and a settlement unit. The commodity detection unit detects commodities to be settled. The personal authentication unit executes first personal authentication on a settler who settles a purchase price of the commodities which the commodity detection unit detects, and further executes second personal authentication if the commodities which the commodity detection unit detects meet a predetermined condition. The settlement unit settles the purchase price of the commodities which the commodity detection unit detected, if the personal authentication by the personal authentication unit was successfully carried out. | 2016-12-29 |
20160379220 | Multi-Instance Shared Authentication (MISA) Method and System Prior to Data Access - A system and method to backup data on an entity such as a smart wallet by storing the data on a separate entity using intelligently connected personalized authentication. A first entity authenticates with two or more entities prior to data transfer, that are intelligently connected, meaning connected only when functioning to authenticate with other entities to perform the functions of data release, transfer, distribution, backup, and restoration. A primary entity holding sensitive private information (such as a smart wallet) authenticating with a second entity (such as a USB memory device on a PC), and a third entity (such as a cloud based server) before data is released or distributed to another entity. The system and method may personalize the data to the data owner by first requiring authentication of the owner. | 2016-12-29 |
20160379221 | SYSTEM AND METHOD FOR SELECTING LOAD OPTIONS FOR USE IN RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS - A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol. | 2016-12-29 |
20160379222 | ESCALATION OF COMMUNITY CONTENT TO ASSOCIATED CASE - Disclosed are methods, apparatus, systems, and computer program products for escalating community content to an associated case. Characteristics of community content can be compared with rules to generate a customer service case record based on the community content. | 2016-12-29 |
20160379223 | GENUINE PRODUCT CERTIFICATION MEANS AND SYSTEM - Disclosed is a genuine product certification system, including: a genuine product certification means, including: an optical material; additional information; and patterns for genuine product certification; a user terminal adapted to perform genuine product certification using the genuine product certification means; a service server including information about the patterns, the spectrum of the optical material, and the additional information as existing data, and adapted to perform genuine product certification using a result of performing genuine product certification using the user terminal and to generate statistical data concerning the occurrence of imitation products; and a manager terminal adapted to receive and output information about performance of the genuine product certification by the service server and the statistical data concerning the occurrence of imitation products transmitted from the service server. | 2016-12-29 |
20160379224 | TARGETED E-COMMERCE BUSINESS STRATEGIES BASED ON AFFILIATION NETWORKS DERIVED FROM PREDICTIVE COGNITIVE TRAITS - Embodiments are directed to a computer implemented business campaign development system. The system includes an electronic tool configured to hold data of a user, and an analyzer circuit configured to derive a cognitive trait of the user based at least in part on the data of the user. The system further includes a targeted business strategy development system configured to derive a targeted business strategy based at least in part on the cognitive trait of the user. | 2016-12-29 |
20160379225 | EMOTIONAL ENGAGEMENT DETECTOR - Various systems and methods for tracking and analyzing emotional engagement of people while shopping are described herein. A system for tracking and analyzing emotional engagement of people while shopping includes an image processing module to: access image data from an electronic data storage, the image data including a person in a retail environment; and detect the person in the image data; an emotion detection module to determine an emotion expressed by the person; an object detection module to determine an object with which the person is interacting; and a marketing module to: select a sales action based on the emotion and the object; and execute the sales action. | 2016-12-29 |
20160379226 | INTELLIGENT IDENTIFICATION OF MULTIDIMENSIONAL INSIGHTS FROM PROCESS DATA - Technologies are described herein for providing intelligent identification of multidimensional insights from staged process data. In some configurations, the techniques described herein obtain process data defining a multistage process and attributes relating to individual stages of the process. Configurations analyze the process data to identify the attributes characterizing at least one conversion between individual stages. For example, attributes associated with users interacting with a retail site may be identified. The attributes can include any activity or characteristic such as a user's location, age, length of time on a site, etc. The attributes define classifications that provide insights into target areas. Techniques disclosed herein also involve the generation of output data defining the one or more attributes associated with at least one stage and/or conversion of the process. Graphical elements representing the attributes may be displayed in proximity to graphical representations of relevant stages of the process. | 2016-12-29 |
20160379227 | FPGA MATRIX ARCHITECTURE - High volume data processing systems and methods are provided to enable ultra-low latency processing and distribution of data. The systems and methods can be implemented to service primary trading houses where microsecond delays can significantly impact performance and value. According to one aspect, the systems and methods are configured to process data from a variety of market data sources in a variety of formats, while maintaining target latencies of less than 1 microsecond. A matrix of FPGA nodes is configured to provide ultra-low latencies while enabling deterministic and distributed processing. In some embodiments, the matrix can be configured to provide consistent latencies even during microburst conditions. Further book building operations (determination of current holdings and assets) can occur under ultra-low latency timing, providing for near instantaneous risk management, management, and execution processes, even under micro-burst conditions. In further embodiments, a FPGA matrix provides a readily expandable and convertible processing platform. | 2016-12-29 |
20160379228 | UNIFIED PREDICTIVE RETAIL ECO- SYSTEM FOR GENERATING PREDICTIONS ACROSS A RANGE OF PRODUCTS - Disclosed is a method and system for generating predictions for customers for a range of products in retail sector. The method comprises classifying a product based upon exact values of a decision making feature set to generate a product buy point; b) associating the product to the product buy point and to a number of price ranges; c) partitioning the product buy point into as many affordability partitioned product buy points as the number of price ranges; d) computing a seasonality vector and a frugality vector for the product and for the product buy point based upon an actual sale record of the product; f) unifying the customer preference data from the plurality of sources and generating a customer product matrix; and h) applying a singular vector decomposition technique and a reconstitution technique for find out positive predictions. | 2016-12-29 |
20160379229 | PREDICTING PROJECT OUTCOME BASED ON COMMENTS - In one embodiment, a computer-implemented method includes receiving a set of comments related to a project. One or more sentiment tags are extracted from the set of comments, where each sentiment tag includes an associated sentiment phrase. One or more sentiment scores are assigned to the one or more sentiment tags, with a sentiment score being assigned to each associated sentiment tag. The sentiment score for an associated sentiment tag is selected to represent the strength and polarity of the associated sentiment phrase. The one or more sentiment tags and the one or more sentiment scores are mapped, by a computer processor, to a first prediction for the project. | 2016-12-29 |
20160379230 | SYSTEM, DEVICE, AND METHOD FOR MAKING AUTOMATIC CALLS - A method for making automatic calls is disclosed. The method includes: when a user order status is a target order status, acquiring a set of target audio files corresponding to the target order status and a user phone number included in recipient contact information in the user order, each of the target audio files corresponding to a question in a survey; sending a call instruction including the user phone number to an interactive audio answering sub-system, the call instruction prompting the interactive audio answering sub-system to call to a terminal corresponding to the user phone number; and after receiving a returned response from the interactive audio answering sub-system indicating a connection to the terminal is established, sending a broadcast instruction to an audio broadcasting sub-system to play the set of target audio files. | 2016-12-29 |
20160379231 | DETERMINING RATINGS DATA FROM POPULATION SAMPLE DATA HAVING UNRELIABLE DEMOGRAPHIC CLASSIFICATIONS - Example methods disclosed herein to determine ratings data for media exposure include accessing sets of classification probabilities for respective individuals in a sample population exposed to media. In some examples, a first one of the sets of classification probabilities represents likelihoods that a first one of the individuals belongs to respective ones of a set of possible demographic classification. Disclosed example methods also include estimating, based on the sets of classification probabilities, parameters characterizing population attributes associated with the set of possible demographic classifications. Disclosed example methods further include determining the ratings data based on the estimated parameters. | 2016-12-29 |
20160379232 | Social Sketches - Systems and methods for generating a social sketch from social communications are provided. Unlike a typical summary of a subject (or of multiple subjects), a social sketch represents a “snapshot” summary of the social communications of people during a given period of time. The social sketch is generated by obtaining a corpus of social communications and filtering the social communications according to time. The filtered results are clustered according to the subject matter/topics of the social communications. Selected clusters are identified and the topic, representative high-quality social communications from non-experts and experts are extracted from each of the selected clusters and saved as a social sketch corresponding to the time period. | 2016-12-29 |
20160379233 | 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. The probability of presence is determined by accessing a demographic impression from a database proprietor for the first device for a first media presentation, where the first device is registered with the database proprietor. Accessing a non-demographic impression from a second device, not registered with the database proprietor, for the second media presentation, where the non-demographic impression has one shared data item with the demographic impression. And determining the probability of presence for the user of the first device to be exposed to the non-demographic impression from the second device, based on the demographic impression, the non-demographic impression and the shared data item. | 2016-12-29 |
20160379234 | METHODS AND APPARATUS TO CORRECT ATTRIBUTION ERRORS AND COVERAGE BIAS FOR DIGITAL AUDIO RATINGS - Methods, apparatus, systems and articles of manufacture to correct attribution errors and coverage bias for digital audio ratings are disclosed. An example method includes applying, by executing an instruction with a processor, a duration-based count matrix to first demographic data associated with collected impressions of digital audio to determine second demographic data, the duration-based count matrix being based on a misattribution adjustment matrix, applying, by executing an instruction with the processor, a coverage adjustment vector to the second demographic data to determine third demographic data, applying, by executing an instruction with the processor, a scaling factor to the third demographic data to determine fourth demographic data, and generating, by executing an instruction with the processor, ratings data at a daypart-level using the fourth demographic data, the ratings data associated with the digital audio. | 2016-12-29 |
20160379235 | METHODS AND APPARATUS TO ENABLE DUPLICATION CORRECTION FOR BROADCAST STATION AUDIENCE MEASUREMENT DATA - Methods, apparatus, systems and articles of manufacture to enable duplication correction for broadcast station audience measurement data are disclosed. An example method includes mapping, by executing an instruction with a processor, listening data to a daypart and a demographic group, the listening data generated based on collected audience measurement data, calculating, by executing an instruction with the processor, a first audience measurement and a second audience measurement from the listening data for a plurality of daypart-demographic group pairings, determining, by executing an instruction with the processor, an unduplication factor for a first daypart-demographic group pairing based on the first audience measurement and the second audience measurement, and applying, by executing an instruction with the processor, the unduplication factor to an audience count associated with a streaming station to determine a cumulative audience measurement for the first daypart-demographic group pairing. | 2016-12-29 |
20160379236 | METHOD AND SYSTEM FOR ESTIMATING RESIDENCE LATITUDE AND LONGITUDE WITH TRANSACTION DATA - A method for estimating a consumer geolocation using filtered transaction data includes: storing transaction data entries, each including an account identifier, merchant identifier, and merchant category code; storing filtering rules, each including one or more merchant category codes; receiving a location request including a specific account identifier and specific filtering rule; identifying a subset of transaction data entries including the specific account identifier; filtering the subset of transaction data entries to remove transaction data entries where the merchant category code does not correspond to one of the merchant category codes included in the specific filtering rule; identifying a geographic location for each transaction data entry in the subset based on the respective included merchant identifier; estimating a geographic location based on the geographic location identified for each transaction data entry in the filtered subset; and electronically transmitting the estimated geographic location in response to the location request. | 2016-12-29 |
20160379237 | METHODS AND SYSTEMS TO EVALUATE COST DRIVER AND VIRTUAL DATA CENTER COSTS - This disclosure is directed to methods and systems to evaluate the performance of a virtual data center (“VDC”) running in a data center by comparing costs of cost drivers and VDC costs with cloud computing industry benchmarks. Methods collect costs of cost drivers and total VDC costs of a cloud computing industry. Cost driver industry benchmarks of the cloud computing industry are computed from the costs of the cost drivers and compared costs of cost drivers of a data center to determine which cost drivers of the data center are unacceptable. Methods also include determining a monetary impact of the cost drivers of the data center based the cost driver industry benchmarks and the total VDC costs of the cloud computing industry. | 2016-12-29 |
20160379238 | VIRTUAL REDEEMABLE INSTRUMENTS - A method of processing redeemable instruments, such as virtual scratch cards or virtual coupons, is described. A redeemable instrument is delivered to a first electronic device. The redeemable instrument includes a user interface configured to react to a redemption activity of a user, the redemption activity causing redeemable instrument information of the redeemable instrument to be first provided to the user. Furthermore, it is determined that the redeemable instrument has been redeemed using a second electronic device different from the first electronic device, and recorded that the redeemable instrument has been redeemed. Furthermore, a computer system for processing redeemable instruments is described. | 2016-12-29 |
20160379239 | USER-CONTROLLED PARENTAL CONTROL RATINGS - According to a general aspect, a method includes maintaining rating groups, each rating group providing a rating for content compiled based on information received from a user evaluating the content. The method also includes receiving, from a first user, a selection of a first rating group to be applied to a set of users associated with the first user. The method also includes receiving, from a user, a request for a piece of content. The method also includes determining that the user from which the request was received belongs to the set of users associated with the first user. The method also includes, based upon the determination that the user belonged to the set of users associated with the first user, accessing information associated with the first rating group and determining whether the first rating group includes a rating for the requested piece of content. | 2016-12-29 |
20160379240 | SYSTEM AND METHOD FOR CONDUCTING SALES - Disclosed are systems, methods, and non-transitory computer-readable storage media for conducting sales. A system configured to practice the method receives an inquiry with at least one parameter from a user associated with a sale of an item. The system identifies one or more discount items that satisfy the inquiry and filters the one or more discount items based on a time-sensitive sales opacity scale. The system identifies comparable items for each discount item at nondiscount rates dynamically using real-time data and presents one or more comparable groups to the user, each comparable group including one filtered discount item and respective comparable items. Then the system advances the sale of the discount item based on user acceptance of one of the presented one or more comparable groups. | 2016-12-29 |
20160379241 | SYSTEMS AND METHODS FOR CONSUMER LOYALTY MANAGEMENT - Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements. | 2016-12-29 |
20160379242 | METHOD AND SYSTEM FOR POST AUTHORIZATION PAYMENT OF TRANSACTIONS USING LOYALTY POINTS - A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile. | 2016-12-29 |
20160379243 | METHOD AND SYSTEM FOR FORECASTING A CAMPAIGN PERFORMANCE USING PREDICTIVE MODELING - The present teaching relates to forecasting a campaign performance using predictive modeling. In one example, a request for forecasting a campaign performance is received from a user. A plurality of parameters associated with the request are retrieved. A predictive score is generated based on the plurality of parameters. A variable vector is constructed based on one or more of the plurality of campaign parameters selected by the user. A key performance indicator (KPI) matrix is generated in accordance with the predictive score based on the variable vector. | 2016-12-29 |
20160379244 | METHOD AND SYSTEM FOR FORECASTING A CAMPAIGN PERFORMANCE USING PREDICTIVE MODELING - The present teaching relates to forecasting a campaign performance using predictive modeling. In one example, a request for forecasting a campaign performance is received from a user. A plurality of parameters associated with the request are retrieved. A predictive score is generated based on the plurality of parameters. A variable vector is constructed based on one or more key performance indicators (KPIs) selected by the user. A campaign data matrix is generated in accordance with the predictive score based on the variable vector. | 2016-12-29 |
20160379245 | CROSS-DEVICE AND CROSS-CHANNEL ADVERTISING AND REMARKETING - An embodiment of the invention identifies a positive reaction to an advertisement and sends the advertisement to a mobile and/or wearable electronic device of a user. The advertisement can be sent to the mobile and/or wearable electronic device of the user only when the user is within a first threshold distance to a store of the advertiser, the user is within a second threshold distance to a store that is within a third threshold degree of similarity to the advertisement, the user is within the second threshold distance to a store that is within the third threshold degree of similarity to the advertiser, the user is browsing a website of the advertiser, the user is browsing a website that is within a fourth threshold degree of similarity to the advertisement, and/or the user is browsing a website that is within the fourth threshold degree of similarity to the advertiser. | 2016-12-29 |
20160379246 | METHODS AND APPARATUS TO ESTIMATE AN UNKNOWN AUDIENCE SIZE FROM RECORDED DEMOGRAPHIC IMPRESSIONS - Methods, apparatus, systems and articles of manufacture are disclosed to estimate an unknown audience size from recorded impressions for an online media. The estimate of the unknown audience size for the online media is based on a total number of initial impressions and a frequency distribution of recorded demographic impressions across a partial audience size for the online media. The estimate of the unknown audience size is determined by modeling the probability of obtaining the frequency distribution of the recorded demographic impressions across the partial audience for different possible unknown audience sizes in a range of unknown audience sizes and determining an estimate for the unknown audience size by evaluating the models for the different possible unknown audience sizes. | 2016-12-29 |
20160379247 | FOCUSED ADVERTISING ACROSS MULTIPLE COMMUNICATION CHANNELS - This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing. | 2016-12-29 |
20160379248 | PRESENTING OPPORTUNITIES FOR INSTANT TRANSACTIONS - In some examples, a customer is identified that is associated with an item that is eligible for instant sell. The item may be eligible for instant sell because the item is popular on an electronic marketplace. A selling opportunity for the customer to sell the item may be presented to the customer. The selling opportunity may include an offer to sell the item via an instant payment transaction when the customer is qualified for the instant payment transaction. The instant payment transaction may enable the customer to receive instant credit for accepting the terms of the offer. A selection indicating acceptance of the offer by the customer may be received and, in response, a notification may be provided to the customer. | 2016-12-29 |
20160379249 | PRIORITIZED ADVERTISING - A system, method, and program product that prioritizes Internet advertising for a particular product for a consumer. A system is disclosed that includes: an information gathering system that gathers purchasing information of a consumer; an identification analyzer that identifies at least one potential product for the consumer; a product analyzer that determines whether the at least one potential product is a utility item or a vanity item; and a prioritizing engine including: a vanity scoring engine that assigns an advertising score based on whether the consumer owns the vanity item, whether the vanity item is consumable, and a vanity score for the consumer and a utility scoring engine that assigns an advertising score based on whether the consumer owns the utility item and whether the utility item is consumable, wherein in response to the assigned advertising score exceeding an advertising threshold, an Internet advertisement is presented to the consumer. | 2016-12-29 |
20160379250 | PRESENTING AND ORDERING CONTENT ITEMS WITHIN A SCROLLABLE CONTENT UNIT TO A SOCIAL NETWORKING SYSTEM USER - A social networking system provides content items to a user via a feed that may include one or more sponsored content items. Multiple sponsored content items may be included in a set that is presented in the feed via a scrollable content unit that presents a sponsored content item from the set and presents additional sponsored content items from the set when user interaction is received. To place sponsored content items in the feed, the social networking system scores a set of sponsored content items based on prior user interactions with content presented via scrollable content units and a bid amount of a sponsored content item in the set. The set of sponsored content items is ranked among other sponsored content items based on its score. If the set of sponsored content items is selected for inclusion in the feed, the social networking system orders the sponsored content items in the set for presentation via the scrollable content unit. | 2016-12-29 |
20160379251 | TARGETED ADVERTISING USING A DIGITAL SIGN - Disclosed herein is a computer system for rendering targeted advertisements. The computer system includes a Web crawling module that generates product information based on product reviews obtained from product review Websites. The computer system also includes a content management module that receives audience metrics and user interest data from a digital sign. The audience metrics describe features of people in the vicinity of the digital sign, and the user interest data is received from a mobile device in the vicinity of the digital sign. The computer system also includes a data miner to correlate the product information, the user interest data, and the audience metrics to identify an advertisement likely to appeal to the user of the mobile device. | 2016-12-29 |
20160379252 | DYNAMIC GENERATION OF ADVERTISEMENT BASED UPON USER NEED - Provided are techniques for the generation of advertising content based upon users' needs and use cases. The techniques include monitoring social media to generate a history of user interest; identifying a current interest of a user based upon information derived from a group of sources, the first group of sources comprising: social media data corresponding to the user; communications to and from the user; interactions between the user and other users; calendar entries of the user; and a location corresponding to the user; predicting a user case corresponding to a product such that the use case conforms to the current interest; generating an advertisement based upon the use case and a second group of sources, the second group of sources comprising literature corresponding to the product; user feedback with respect to the product; user ratings of the product; and blogs referencing the product; and displaying the advertisement to the user. | 2016-12-29 |
20160379253 | DYNAMIC GENERATION OF ADVERTISEMENT BASED UPON USER NEED - Provided are techniques for the generation of advertising content based upon users' needs and use cases. The techniques include monitoring social media to generate a history of user interest; identifying a current interest of a user based upon information derived from a group of sources, the first group of sources comprising: social media data corresponding to the user; communications to and from the user; interactions between the user and other users; calendar entries of the user; and a location corresponding to the user; predicting a user case corresponding to a product such that the use case conforms to the current interest; generating an advertisement based upon the use case and a second group of sources, the second group of sources comprising literature corresponding to the product; user feedback with respect to the product; user ratings of the product; and blogs referencing the product; and displaying the advertisement to the user. | 2016-12-29 |
20160379254 | METHOD AND SYSTEM FOR ENABLING REAL TIME LOCATION BASED PERSONALIZED OFFER MANAGEMENT - The present disclosure relates to a method and a system for enabling real time location based personalized offer management to a customer. In one embodiment, the method identifies a plurality of customers likely visiting the store, and determines a plurality of relevant personalized bars that can be provided to the identified customers. Th.e method further receives real time information about the presence of customers within the store and provides the in-store customers with one or more real time recommendations of offers on products based on the usage of the relevant personalized offers. Thus, the method and system provides personalized promotional offer based on convenience of individual customers, customers interest on different products on real-time within the establishment. Further, the method and system also provides alternate offers to customers present within store and assess the promotional effectiveness of the campaign on a real-time basis. | 2016-12-29 |
20160379255 | SYSTEM AND METHOD FOR MULTIMEDIA PROMOTION AND CONTENT PRIORITIZATION - Systems and methods are provided for prioritizing content such as movies and television shows for promotion, including: evaluating the viewing of assets, the evaluating including evaluating viewing of assets and ads associated therewith; determining coefficients the assets according to the evaluating; and selecting assets for promotion based on the determined or assigned coefficients. The coefficients may be based at least in part on ad start participation, ad start participation divided by number of visits, the same further divided by an associated standard deviation, etc. A performance coefficient may be calculated, where the performance coefficient is equal to the coefficient added to a product of the coefficient times a video start percentage lift. The method may further include promoting the selected assets using at least two of: a social networking tool, a broadcast media tool, and an audiovisual filesharing site. | 2016-12-29 |
20160379256 | METHOD AND SYSTEM FOR INTEGRATING DEVICE ACTIVITY AND PURCHASE TRANSACTION DATA TO ASSESS AND/OR PREDICT CONSUMER INTEREST - A method is disclosed that causes a computer application to be downloaded onto a user device to track performance of a predetermined action toward offering the end user a discrete incentive for performing that predetermined action. The disclosed method further includes populating a database with demographic and payment information about the end user and receiving action data from the computer application that identifies the user device and the predetermined action. The method further obtains and stores payment transaction data associated with the payment information of the end user, such that the server can correlate at least a portion of each of the end user demographic information, the end user action data, and the end user payment transaction data on an end user by end user basis toward creating content based on the correlation. A system for meeting similar needs is also disclosed. | 2016-12-29 |
20160379257 | PROCESSING DATA ACROSS NETWORK ELEMENTS - Techniques are described for providing automated recommendations of real-world locations, such as businesses, for users to visit based at least in part on historical location-preference information. The historical location-preference information used by the recommendation system may include the historical location-preference information of the person that requests the recommendation, other people explicitly identified as participants by the requestor, and/or other people implicitly determined to be participants. The historical location-preference information may be explicit, such as “check-ins” or reviews, or implicit. Implicit participants may be identified in a variety of ways, including social network relationships and the context in which the recommendation request is submitted. | 2016-12-29 |
20160379258 | Bid Based Search System - A method includes receiving a search query from a general purpose search system or a user device and assessing a search query value for the search query. Sending a request for search results to search engines and receiving candidate search results from at least some of the search engines. The request includes the search query and the search query value. Each candidate search result includes a user selectable link and a result bid, the user selectable link indicates an operation to access information. Selecting search results from the candidate search results based on the corresponding result bids and sending the search results to the general purpose search system or the user device. Receiving an indication of a selection of a user selectable link of one of the search results and modifying an account associated with the search engine corresponding to the selected search result. | 2016-12-29 |
20160379259 | METHOD AND SYSTEM TO UTILIZE SESSION QUERIES IN REAL TIME TO IMPROVE GEO PRECISION OF SPONSORED LISTINGS - Contextual or cumulative interpretation is applied to individual user queries to improve the accuracy of sponsored and/or non-sponsored search results. Queries are interpreted based on present features derived from a user query in the context of past features derived from qualified past queries such as those previously received during a user query session. Based on contextual interpretation, present features may be augmented using past features. A search is performed using augmented features instead of present features. Contextual interpretation of queries improves search system understanding of the context in which queries are submitted, which is particularly helpful when interpolating query intent to develop features not expressed in a query. Contextual interpretation permits queries to be interpreted and treated more uniformly and more intelligently. As a result, users and advertisers benefit from more precise sponsored and/or non-sponsored search results. As one example, contextual interpretation can improve the geo-precision of sponsored search results. | 2016-12-29 |
20160379260 | PRODUCT RECOMMENDATIONS BASED ON ANALYSIS OF SOCIAL EXPERIENCES - A method for recommending products. The method may include receiving an identification element associated with an image or a visual code captured by a user. The method may include identifying a first item associated with the identification element, whereby the first item is a product or a service. The method may include identifying at least one of a tag and a keyword associated with the first item. The method may include identifying social media interactions within a social media network that reference at least one of the first item, the tag, and the keyword, whereby the social media network is associated with the user. The method may further include identifying a second item referenced in the social media interactions, whereby the second item is a product or a service. The method may also include determining a score for the second item based on an algorithm. | 2016-12-29 |
20160379261 | TARGETED CONTENT USING A DIGITAL SIGN - Disclosed herein is a computer system for rendering targeted content on a digital sign. The computer system includes a display screen and a camera. The computer system also includes a video analytics module to receive video images from the camera and generate audience metrics based on the video images. The audience metrics include eye gaze information that identifies an area of the display screen being viewed by a person. The computer system also includes a content management module to identify a content selection to be rendered by the digital sign based on the audience metrics. | 2016-12-29 |
20160379262 | SERVICE SYSTEM AND METHOD FOR TRANSMITTING PUSH MESSAGE BASED ON USER LOCATION, USER EQUIPMENT AND NON-TRANSITORY COMPUTER READABLE STORAGE MEDIUM HAVING COMPUTER PROGRAM RECORDED THEREON - Provided are a service system and a service method for transmitting a push message based on a user location, user equipment and a non-transitory computer readable storage medium having a computer program recorded thereon, and more particularly, a service system and a service method for transmitting a push message based on a user location, which determine the user location through WiFi information sensed by user equipment, determine a store visited by a user to correspond to the user location, and support the push message transmitted to correspond to the relevant store so as to be exposed only to the user positioned at the relevant store, and user equipment and a non-transitory computer readable storage medium recorded thereon. | 2016-12-29 |
20160379263 | SYSTEMS AND METHODS OF DELIVERING ADVERTISING OVER NETWORKS - A method of online advertising in a communications network in which an advertiser's teaser ad is presented to an end user using a network connected device on a publisher's site or channel, but only when a channel associated with the advertiser's teaser ad is live. | 2016-12-29 |
20160379264 | INCENTIVE OFFER MANAGEMENT SYSTEM - Embodiments described herein disclose a mobile device for managing and saving incentive offers within an application executed by the mobile device. A location of the device may be detected. An incentive offer may be displayed on a touch-sensitive display based on the detected location. In response, the user may perform a directional touch input on the display. In one example, the directional touch input is a swipe gesture towards a direction (e.g., right). In response to the swipe gesture, the offer may be associated with the user's account information. A request to use a selected incentive offer is received. The display then displays the offer to be used. Thus, the user is presented with relevant offers based on the location, and may easily save offers of interest in a manner that is consistent with typical gestures used on the touch-sensitive display device of the mobile device. | 2016-12-29 |
20160379265 | ACCOUNT RECOMMENDATIONS FOR USER ACCOUNT SETS - New account recommendations for user account sets are described. A system creates an accounts profile for a set of accounts based on multiple attributes associated with each account of the set of accounts. The system calculates an account score for an account based on comparing multiple attributes associated with the account against the accounts profile, wherein the account is not in the set of accounts. The system determines whether the account score satisfies an account score threshold. The system recommends the account to a user associated with the set of accounts if the account score satisfies the account score threshold. | 2016-12-29 |
20160379266 | PRIORITIZING ACCOUNTS IN USER ACCOUNT SETS - Prioritizing accounts in user account sets is described. A system creates an accounts profile for a set of accounts based on multiple attributes associated with each account of the set of accounts. The system calculates multiple account scores corresponding to multiple accounts, based on comparing multiple attributes associated with each of the multiple accounts against the accounts profile, wherein the set of accounts includes the multiple accounts. The system orders the multiple accounts based on the corresponding multiple account scores. The system recommends for a user associated with the set of accounts to prioritize work on the multiple accounts based on the order of the multiple accounts. | 2016-12-29 |
20160379267 | TARGETED E-COMMERCE BUSINESS STRATEGIES BASED ON AFFILIATION NETWORKS DERIVED FROM PREDICTIVE COGNITIVE TRAITS - Embodiments are directed to a computer implemented business campaign development system. The system includes an electronic tool configured to hold data of a user, and an analyzer circuit configured to derive a cognitive trait of the user based at least in part on the data of the user. The system further includes a targeted business strategy development system configured to derive a targeted business strategy based at least in part on the cognitive trait of the user. | 2016-12-29 |