Subscribe: Untitled
http://www.freepatentsonline.com/rssfeed/rssapp705.xml
Added By: Feedage Forager Feedage Grade C rated
Language: English
Tags:
account  based  content  data  device  information  method  payment  system  systems methods  systems  transaction  user 
Rate this Feed
Rate this feedRate this feedRate this feedRate this feedRate this feed
Rate this feed 1 starRate this feed 2 starRate this feed 3 starRate this feed 4 starRate this feed 5 star

Comments (0)

Feed Details and Statistics Feed Statistics
Preview: Untitled

Untitled





 



SYSTEM AND PROCESS FOR DISTRIBUTION OF INFORMATION ON A COMMUNICATION NETWORK

Thu, 06 Apr 2017 08:00:00 EDT

A communications system includes a plurality of recipient processors located at geographically remote locations with respect to each other and connected for communication with an information provider processor, over the communications network. The provider and recipient processors may comprise respective computers coupled for communication on the Internet or WWW. The provider processor is capable of providing information from any suitable source, by communicating such information over a communications network. However, access to the information by the recipient processors is controlled, based on the geographic location or region of the recipient processors. Each recipient processor is operably associated with a positioning system for providing geographic location information corresponding to the location or region in which the positioning system is located, such as a global positioning system GPS. The geographic position information is used to determine whether or not the processor requesting the information is within a restricted (or limited) or non-restricted region. This determination may be made comparing the geographic information provided by the recipient processor and positioning system with a list of non-restricted or non-limited (or a list of restricted or limited) geographic locations or regions.



ALLOCATING AN AREA TO A VEHICLE

Thu, 06 Apr 2017 08:00:00 EDT

A method of directing a vehicle (100) to an allocated area (126) includes obtaining (204) data representing a current geographical location of the vehicle; using (208) the geographical location data to identify at least one destination location (122), each said destination location having a set of allocatable areas; checking (208) availability of the allocatable areas at the at least one destination location in order to allocate a said available allocatable area to the vehicle, and generating data for use in directing (214) the vehicle to the area allocated to the vehicle.



QUEUING SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

A technique for controlling access to one or more attractions is achieved using a number of access keys, each being issued to one or more users. An electronic queue management part manages a virtual queue in respect of each attraction and receives electronic requests for attraction access, each request relating to an access key and being for the users associated with it to access a particular attraction. Receipt of each request causes the respective users to be added to a corresponding virtual queue. A time at which each group of users reaches the front of the virtual queue and can access the attraction is determined. The users access the attractions by presenting an access key to an access control part, in communication with the electronic queue management part. Only a user presenting an access key at the correct time for accessing the attraction is allowed access to the attraction.



SPORTS BOOK EXCHANGE

Thu, 06 Apr 2017 08:00:00 EDT

A method of trading sports books has the steps of deciding whether to buy and sell, and having decided to buy, selecting a market or a limit order; having selected a market order, purchasing a contract at the lowest ask price, or having selected a limit order, placing an order if the price reaches or goes below the ask price. Having decided to sell, the steps of selecting a market or limit order; having selected a market order, wherein the contract is sold to the highest bid; or having selected a limit order and placing an order if the price reaches or exceeds the bid price. A system for trading sports books is described, having one or more traders, a sports book data center, and a distribution network.



SYSTEM AND METHOD FOR WIRELESSLY ACCESSING A VEHICLE

Thu, 06 Apr 2017 08:00:00 EDT

A method for accessing a vehicle includes placing a vehicle access device within a predetermined distance of a vehicle. The method also includes charging a first monetary value to a card. The method further includes accessing the vehicle after the first monetary value is charged to the card. The method also includes crediting a second monetary value to the card.



SYSTEM AND PROCESS FOR TOKENIZATION AND MANAGEMENT OF LIABILITY

Thu, 06 Apr 2017 08:00:00 EDT

A system and process for management of liabilities is disclosed. The embodiments mitigate variance in the assessment of liability values. In an exemplary embodiment, a liability may be created under rules stored in the form of an digital token. The rules may form a smart contract wherein the terms within the contract change automatically based on criteria being met. The token associated with the smart contract may have tangible value that can appreciate/depreciate and may thus be a tradeable asset or commodity. The inventory of liabilities associated with an issuer may thus be tracked and value precisely assessed.



METHOD AND APPARATUS FOR MANAGING REAL ESTATE DATA

Thu, 06 Apr 2017 08:00:00 EDT

A system and method for managing real estate data using a mobile device, such as a tablet computer. The data is displayed in a manner that facilitates quick analysis suing a mobile device. User interfaces, processing, and other features provide a mobile user with information required to make intelligent decisions on real estate transactions. A tour can be constructed based on a subset of data returned as a result of a database query.



AUTOMATED PERSONALIZED CONCIERGE SERVICES AND ITINERARY CREATION MATCHED TO CLIENT PROFILE FOR CHOSEN DESTINATION

Thu, 06 Apr 2017 08:00:00 EDT

Techniques are disclosed for providing an automated personalized concierge service platform (“Travelgems”) that is global and provides instant recommendations to travelers based on actual and trusted experiences by third parties. In embodiments of the invention, Travelgems is implemented as a web-based solution and involves identifying a destination selection by a client and generating and displaying a travel guide for the identified destination in response to client entries to a first questionnaire. In a subsequent stage, a request from a client is identified for the system to generate a gem pack for the destination selection. The system generates and displays the gem pack in response to client entries to a second questionnaire. In accordance with an embodiment, the gem pack is comprised of recommendations for each of multiple categories of places and activities. These recommendations are derived from applying appropriate search algorithms that assign appropriate weights to places and activities as a function of client entries in the first and second questionnaire. In one scenario, destinations are also recommended to clients.



USING DUAL CUSTOMER IDENTITIES FOR AIRLINES

Thu, 06 Apr 2017 08:00:00 EDT

Dual identities can be used for contact different airlines. A personal identity can be used for contacting airlines that prefer to deal with individual customers. A corporate identity can be used for contacting airlines or airline network. Flight itineraries from all airlines can be consolidated to show to the customers.



SYSTEMS AND METHODS FOR GENERATING CURATED AND CUSTOM CONTENT FOR DATA-DRIVEN APPLICATIONS USING CLOSED-LOOP DATA

Thu, 06 Apr 2017 08:00:00 EDT

A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.



Coordination of Gas Pump with Tank Level Sensors for Fraud Detection

Thu, 06 Apr 2017 08:00:00 EDT

A system and method are described that can help gas stations detect attempted thefts of gas or when there is leakage from a fuel tank or pump. The fuel pump can comprise a payment processing system or is fuel sensor to detect the amount of fuel pumped. The large fuel tank that supplies the fuel pumps can comprise a fuel level sensor to detect how much fuel is being used. The fuel pumps and tanks can send their data to the kiosk or some other location for analysis. If more fuel is being lost from the fuel tank than is being paid for at the pumps, then a theft may be occurring, or there may be fault machinery or leaks.



Apparatus and System for Providing Reminders and Recommendations, Storing Personal Information, Memory Assistance and Facilitating Related Purchases Through an Interconnected Social Network

Thu, 06 Apr 2017 08:00:00 EDT

An automated memory reminder system, memory assistance system, gift and/or social engagement recommendation system and personal social network system are all disclosed which may be subscribed to by a user or a user may invite friends and family to participate. The personal social network comprises a smart device application and an administration panel functional algorithm called Not So Forgetful (NSF). NSF distinguishes as an event, gift and/or social engagement and memory reminder system that is personal to the user and may run on a computer processor personal to the user such as a mobile communications device, smart home, smart television, smart watch, smart glasses and the like. The NSF personal network may be limited in extent to, for example, friends, family and significant others including some business associates and the like. The NSF system including an NSF server and related databases and search engines may assist an individual diagnosed with a memory deficiency to remember friends and family via the smart glasses. For example, for light reminders, there is a list for things to do which may vary from week to week (such as a “Honey-Do” checklist for shopping, dry cleaning, which may be generated from the user or a contact of the user, etc.) provided by an automated administration panel via the NSF server and editable also by the NSF user/member. The checklists also may provide recommendations for items to be purchased online or in-person through purchasing affiliate account links or smart device provided coupons from the purchasing affiliates providing database search engines as well as links to public source search engines. Algorithms include a trending algorithm utilizing NSF network and external data to develop, for example, a top ten gift and/or social engagement list for a teenager female, a gift and/or social engagement registry for recording gift and/or social engagements desired and a gift and/or social engagement depository for recording gift and/or social engagements purchases for supporting the trending algorithm based on demographics.



SOCIAL MEDIA INTEGRATION IN OMNI-CHANNEL CUSTOMER ISSUE RESOLUTION

Thu, 06 Apr 2017 08:00:00 EDT

Customers may use a number of channels to communicate with a business or other organization. If a customer initially posts an issue on social media and, before seeing a response, initiates a communication via a different channel (e.g., telephone call, email, etc.) to address the same issue, duplicative efforts may be reduced or eliminated. The customer is identified as being associated with the social media post and background information may be extracted from the social media post. If the issue is addressed on the social media site, the customer is notified, even if they are presently engaged in the communication via the different channel. If the customer is satisfied with the response, they may discontinue the communication via the different channel. If the customer is not satisfied, an agent may be assigned based, at least in part, on information gained from the social media website.



EDUCATIONAL CONTENT MANAGEMENT APPARATUS AND METHOD

Thu, 06 Apr 2017 08:00:00 EDT

Provided is an educational content management method. The method comprising: inputting problems by receiving data that constructs a first problem from a terminal of a first user and receiving data that constructs a second problem from a terminal of a second user; inputting a problem set by receiving a designation signal for constructing a first problem set that includes the first problem and the second problem from a terminal of a third user; and distributing profits by distributing at least parts of sales profits of the first problem set to the first user, the second user, and the third user, wherein the distributing profits distributes arn(a=sales profits, r=profits distribution ratio)profits to a user having the n-order rights on the basis of the degree of order of the right using infinite geometric sequence, user who has input the data that constructs the problem has the primary rights, user who has created the problem set using the problem in which the user having the primary rights exits has the secondary rights, user who has created new problem set or new problem set library using problem set or problem set library in which user having the n-1-order rights exits has the n-order rights.



SYSTEMS AND METHODS FOR DETECTING FRAUD IN SUBSCRIBER ENROLLMENT

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods permit detection of potential fraud in subscriber enrollments. One embodiment includes a computing device associated with a provider and a database containing enrollment data. The provider computing device sorts the enrollment data into one or more benchmarking datasets and performs a recommendation analysis on each dataset to generate metrics. The metrics are used by a consolidation analysis to calculate benchmarks. The provider computing device utilizes the benchmarks to perform an indicator analysis that generates fraud indicators. A recommendation analysis processes the fraud indicators, benchmarks, and/or metrics to generates a flag indicating approval or disapproval of an enrollment.



METHODS AND APPARATUSES FOR RISK ASSESSMENT AND INSURING INTERMITTENT ELECTRICAL SYSTEMS

Thu, 06 Apr 2017 08:00:00 EDT

Methods and systems for generating a probability assessment for peak demand reduction for utility customers using a conditional-output energy generator are described. One method includes providing a customer data set and one or more historical generator production data sets for one or more intermittent generators that meteorologically correspond with the customer data set. Time intervals are defined in the data sets and a production distribution curve is generated for each time interval. A simulation is performed using the historical customer consumption data and the production distribution curves to obtain a net demand distribution curve for each time interval. These methods and systems may provide probability-based economic evaluation of consumption management systems.



SYSTEM FOR IMPROVED NETWORK DATA PROCESSING

Thu, 06 Apr 2017 08:00:00 EDT

Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.



ADJUSTING AND DISTRIBUTING LIQUIDITY

Thu, 06 Apr 2017 08:00:00 EDT

Methods and systems are provided herein that relate generally to automatically adjusting and distributing liquidity among accounts according to strategies set in an investment pool. For example in one embodiment, in an environment that includes a server computer in which strategy information set by a user and including, as minimum information, basic investment information, investment ratio information, and maximum cumulative loss rate information, as well as financial institution account information linked to each strategy are stored, and a financial institution server of the financial institution that operates an account corresponding to the account information, the present disclosure relates generally to a method in which the server computer adjusts and distributes liquidity with regard to the account.



ALTERNATIVE FORM FACTOR FOR FINANCIAL INCLUSION

Thu, 06 Apr 2017 08:00:00 EDT

According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.



METHOD AND DEVICE FOR DIRECT, AUTOMATIC BANK/CLIENT OPERATIONS

Thu, 06 Apr 2017 08:00:00 EDT

Method and device for direct, automatic operations between bank and client whereby, with a simple click on a device installed in the client's domicile, a previously-arranged financial operation can be run, characterised because the resources for running the procedure are configured on the basis of the electronic device (HW) with pre-loaded software (17) and a communications algorithm (Ac), the device consisting of a straight, rectangular parallelepiped housing with rounded edges (7) on whose upper face a number of two-position keys are shown—(8a), (8b), (8c)—corresponding to the various options granted by the bank and, alongside each option key (8), the same number of light windows (9) each with two luminous leds, one green (11) and the other red (12), and showing a central button (13) which triggers the order and, on one side, a connection (14) to the electricity network.



METHOD, SYSTEM, AND COMPUTER-READABLE MEDIUM FOR BANDWIDTH AUCTIONS WITH BANDWIDTH BID REQUESTS BASED ON MOBILE DEVICE APPLICATION TABLES

Thu, 06 Apr 2017 08:00:00 EDT

Technologies and implementations for facilitating and participating in bandwidth auctions are generally disclosed.



SELF-SERVICE VENDING SYSTEM FOR ELECTRIC CONVENIENCE VEHICLES

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for self service vending of electric convenience vehicles (ECVs) are disclosed. Various embodiments of the systems and methods disclosed herein allow convenient rental of ECVs to visitors of large venues without requiring dedicated service personnel. In one embodiment, a self service vending system may include a charging station configured to charge an ECV, a locking mechanism configured to lock the ECV, and a terminal configured to process a reservation of the ECV and to provide a code for operating the ECV based on the reservation. In some embodiments, a self service vending system may include a docking station. Embodiments may further include a reservation management system. Computer systems implementing methods of self service vending of ECVs are also disclosed.



Systems and Methods for Remote Robotic Apparel Fitting and Shopping

Thu, 06 Apr 2017 08:00:00 EDT

Remote apparel fitting has long remained a problem technically and commercially since the start of online e-commerce. Various virtual fitting rooms have been disclosed in prior inventions and tried, where simulated apparel fitting results are generated from computer models. As a contrast, the present invention discloses systems and methods for remote robotic apparel fitting, shopping and showing, where the apparel fitting results are produced by a real piece of apparel worn by a body matched robotic fitting apparatus, and the apparel fitting results are captured and watched by a shopper through one's personal remote vision provided by a remote vision apparatus.



SYSTEM FOR MANAGING VEHICLE INFORMATION DISPLAYED ON A PLURALITY OF VEHICLES

Thu, 06 Apr 2017 08:00:00 EDT

A system for managing vehicle information displayed on a plurality of vehicles, said system including a central computer system and plurality of electronic display devices (EDD), each being associated with one of said vehicles and each being in electronic communication with the central computer system (CCS). The CCS includes one or more computer processors; computer readable data storage; and a CCS computer program stored on said data storage, the CCS program being executable by the processors to perform the steps of selecting a vehicle from said plurality of vehicles; generating vehicle data representing information about said vehicle; and sending said vehicle data to an associated one of said EDDs. Each one of said EDDs includes one or more computer processors; computer readable data storage; an EDD computer program stored on said data storage; and a visual display unit, the EDD program being executable by the processors to perform the steps of receiving vehicle data from the CCS representing information about an associated vehicle; and displaying said vehicle data representing information about the associated vehicle on the visual display unit.



METHOD FOR PROVIDING NECESSARY INFORMATION BASED ON CHATTING DOCUMENTS

Thu, 06 Apr 2017 08:00:00 EDT

Provided is an artificial intelligence chat method for providing necessary information based on chatting documents. The artificial intelligence chat method for providing necessary information based on the chatting documents proposed at the inventive concepts method may include collecting, in real time, chatting documents related data between a user and a counterpart and chat type related data in conjunction with a chat application to analyze a morpheme, parameterizing and storing the chatting documents related data and the chat type related data based on the analyzed result, evaluating a value of the chatting documents between the user and the counterpart by using the parameterized and stored chatting documents related data and the parameterized and stored chat type and manufacturing the necessary information according to the evaluation in a card form that includes monitoring, a wishlist service, an advice service, an important message service, a keyword history, and a schedule service, and notifying the user and the counterpart of the manufactured card form.



PERSONALISED GENETIC INFORMATION HANDLING APPARATUS, SYSTEM AND METHOD

Thu, 06 Apr 2017 08:00:00 EDT

A wearable device such as a wristband comprising a memory storing a database of product codes and associated product recommendations derived from personalised genetic information, a product code reader for reading a product code from a product, and a processor for using a read product code to perform a look-up in the database to obtain a product recommendation for the associated product. The device further comprises an indicator for providing an indication of the obtained product recommendation to a wearer of the device.



METHOD AND APPARATUS FOR PRODUCT PURCHASE PROCESSING

Thu, 06 Apr 2017 08:00:00 EDT

A storing unit stores identification information of each customer, an allergen, and allergen ingestion restriction information about a restriction on ingestion of the allergen in association with each other. A calculating unit acquires the identification information of a target customer and product information of one or more products for purchase by the customer. Then, with reference to memory content of the storing unit, the calculating unit acquires the allergen and allergen ingestion restriction information stored in association with the acquired identification information of the customer. When the acquired product information includes a specific product containing the allergen, the calculating unit outputs product intake restriction information about a restriction on intake of the product based on the allergen ingestion restriction information.



Real-time local marketplace information system and method

Thu, 06 Apr 2017 08:00:00 EDT

Many local, brick-and-mortar businesses are losing out to large, de-localized online suppliers due, for example, to the overhead cost structure enabled by the world wide web. To address this problem, local business listings are provided to users concurrently with real time or near real time updates from those businesses. Users are presented with the identification of such businesses and their latest news, including offers, on a single web page, which eliminates the need for users to perform multiple searches and reduces the reliance of small businesses on strategies such as search engine optimization. A local map may also be displayed concurrently, and users may communicate with the businesses.



INFORMATION PROVIDING SYSTEM, MAIN SERVER AND INFORMATION PROVIDING METHOD FOR PROVIDING ENTERTAINMENT SERVICE INFORMATION

Thu, 06 Apr 2017 08:00:00 EDT

An information providing system for providing entertainment service information includes a main server and an electronic device. The electronic device is configured to be connected to the main server and to provide location information and consumer information to the main server. The main server is configured to provide a plurality of product classification information to the electronic device according to the location information, the consumer information and a plurality of product information. The electronic device is configured to provide selected product clarification information to the main server. The main server is configured to provide low-priced product information or highly-rated product information to the electronic device according to the selected product classification information, for a consumer making selection. The low-priced product information or the highly-rated product information corresponds to at least one entertainment service.



CROSS-PLATFORM ORDERING AND PAYMENT-PROCESSING SYSTEM AND METHOD

Thu, 06 Apr 2017 08:00:00 EDT

Various embodiments of the present approach and system include a novel ordering and integrated transaction system for providing consumers information about the merchants, such as locations of available retail merchants, menu items from the merchants, “line time” or “wait time” at the merchant locations, a make time for completing preparation of the consumer's order, etc.



CROSS-PLATFORM ORDERING AND PAYMENT-PROCESSING SYSTEM AND METHOD

Thu, 06 Apr 2017 08:00:00 EDT

Various embodiments of the present approach and system include a novel ordering and integrated transaction system for providing consumers information about the merchants, such as locations of available retail merchants, menu items from the merchants, “line time” or “wait time” at the merchant locations, a make time for completing preparation of the consumer's order, etc.



SYSTEM AND METHOD FOR ONLINE VEHICLE SALES

Thu, 06 Apr 2017 08:00:00 EDT

A method for online purchase of a vehicle from a retailer may include specifying a specific vehicle to an online sales computer system, the online sales computer system having an online sales process server. The method may also include estimating a payment range for the specific vehicle for a potential customer by the online sales process server and receiving at the online sales computer system a soft-pull credit report of the potential customer. In addition, the method may include determining financing options for the potential customer from information derived from the soft-pull credit report with the online sales process server and generating a deal summary using the online sales computer system. The method may include receiving an acceptance of the deal summary at the online sales computer system and accepting a deposit for the specific vehicle by the online sales computer system.



METHOD AND SYSTEM FOR ONLINE TASK EXCHANGE

Thu, 06 Apr 2017 08:00:00 EDT

The present teaching relates to online task exchange. In one example, information related to a task automatically created based on an intent of a person is received. The task is posted to a plurality of parties that are capable of completing the task. One or more bids are received from at least some of the plurality of parties. At least one winning bid is selected from the one or more bids based on at least one criterion. Information indicative of a status as to completion of the task is received. Resource is allocated to the at least one winning bid based on the status.



REVENUE-GENERATING ELECTRONIC MULTI-MEDIA EXCHANGE AND PROCESS OF OPERATING SAME

Thu, 06 Apr 2017 08:00:00 EDT

In a process for creating media content, media submissions are requested and electronically received from end users and stored in a computer database. The submissions are searched for material to be included in the media content, and cross-checked against the other submissions for originality and timeliness. After the material is selected from one or more submissions, the content is developed and released to an audience for review. The end users whose submission material was included in the released content are rewarded. In one embodiment, third parties are permitted to access and search the submissions on an open exchange. The third parties can bid for rights in submissions on the open exchange. After receiving these bids, they are forwarded to the particular submission's end user for acceptance or rejection. Appropriate billing and payment processes are used to bill and pay the parties involved.



SYSTEM AND METHOD FOR MANAGING INVOICE INFORMATION

Thu, 06 Apr 2017 08:00:00 EDT

The present invention is related to a system and method for managing invoice information. The system and method may involve an invoice management server that is configured to prepare invoice information, process invoice information, and store invoice information. In the preparing step, the invoice management server may communicate with a data collecting server to receive aggregated and standardized invoice information of a customer from the data collecting server. In the processing step, the invoice management server may process prepared invoice information into categories of information that contain the customer's energy spending summary, invoice information based on the customer's locations, invoice information based on the customer's accounts, and actual invoice information and virtual invoice information. In the storing step, the invoice management server may store prepared invoice information, processed information, information from vendor servers, and documents uploaded by the customer.



SYSTEM AND METHOD FOR MANAGING INVOICE INFORMATION

Thu, 06 Apr 2017 08:00:00 EDT

The present invention is related to a system and method for managing invoice information. The system and method may involve an invoice management server that is configured to prepare invoice information, process invoice information, and store invoice information. In the preparing step, the invoice management server may communicate with a data collecting server to receive aggregated and standardized invoice information of a customer from the data collecting server. In the processing step, the invoice management server may process prepared invoice information into categories of information that contain the customer's energy spending summary, invoice information based on the customer's locations, invoice information based on the customer's accounts, and actual invoice information and virtual invoice information. In the storing step, the invoice management server may store prepared invoice information, processed information, information from vendor servers, and documents uploaded by the customer.



System and Method for Optimizing Retail Fuel Stores

Thu, 06 Apr 2017 08:00:00 EDT

Multiple retail fuel stores are optimized using system having a computer in communication with a database. Remote computing devices are connected to the first computer by a communication system. Electronic signs receive an instruction over the communication system. The system creates a correlation matrix having fuel prices for the retail fuel stores, a reward discount, and competitor fuel prices, a profit for the fuel prices for each of the retail fuel stores, and a volume. It also creates an economic model that receives a number of correlation coefficients from the correlation matrix at the first computer. A multi-store optimization process configures the economic model to determine optimal fuel prices for retail fuel stores based on a total multi-store profit.



SYSTEM AND METHOD FOR CONVEYING ENTERTAINMENT OR SOCIAL EVENTS

Thu, 06 Apr 2017 08:00:00 EDT

The invention relates to various systems and methods for conveying information associated with one or more entertainment and/or social events to one or more potential participants and/or one or more places of business to one or more potential customers. In one embodiment, the present invention relates to a system and method that permits an individual user to find one or more desired entertainment and/or social events based on one or more criteria (e.g., location, date, geographical proximity, etc.). In another embodiment, the present invention permits one or more business users to advertise, interact and/or promote one or more entertainment and/or social events based, and/or their place of business to one or more individual users/customers.



PLATFORM CONTENT MODERATION

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for moderating branded content provided by users to an online content publishing and distribution network are described. In some embodiments, a content management system stores user-generated or user-created content, and creates and shares links associated to the user-generated content to online networks and other sites, where other users share, consume, and/or interact with the content (e.g., videos and other multimedia content).



DYNAMIC GENERATION AND LAYOUT OF MEDIA ASSETS IN A CAMPAIGN MANAGEMENT SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

Particular embodiments take first screen media assets and can derive second screen appropriate media assets. Then, particular embodiments may determine a target application for the second screen media assets. Layout characteristics for the target application is determined. Particular embodiments correlate the layout characteristics and the second screen media assets to select a second screen media asset for the target application. The correlation may generate scores based on the second screen media assets and the layout characteristics to determine a best fit of a second screen media asset for the target application. Then, the second screen media asset may be transcoded based on the characteristics of the target application or target device. After transcoding, particular embodiments may create a view of the second screen media asset in the target application, such as an overlay of the second screen media asset over a screen capture of the target application.



SYSTEMS, METHODS AND ARTICLES TO FACILITATE BUYING AND SELLING OF ADVERTISING INVENTORY

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for providing an advertisement marketplace where buyers and sellers can trade mediacast advertisement inventory programmatically at local, national, and/or worldwide levels. The marketplace system may include a seller-controlled marketplace system which connects sellers with buyers and offers revenue management tools for optimizing yields across direct and programmatic channels. The advertisement inventory is bought and sold as canonical inventory units which group similar but discrete advertisement slots together. The marketplace system may include a seller side platform (SSP) for sellers and an advertiser-facing interface or console for demand side platform (DSP) entities. Through the SSP, sellers can access demand and make advertisement inventory available and accept or reject a bid based on marketplace demand without revealing information relating to pricing or available inventory to buyers.



SYSTEMS, METHODS AND ARTICLES TO FACILITATE INTEROPERABILITY BETWEEN ADVERTISING INVENTORY CHANNELS

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for providing an advertisement marketplace where buyers and sellers can trade linear mediacast advertisement inventory programmatically at local, national, and/or worldwide levels. The marketplace system may include a seller-controlled marketplace system which connects sellers with buyers and offers revenue management tools for optimizing yields across direct and programmatic channels. The advertisement inventory is bought and sold as canonical inventory units which group similar but discrete advertisement slots together. The marketplace system may include a real-time bidding (RTB) adapter through which digital advertising buyers may place bids for such inventory units using standard protocols utilized in digital RTB systems.



SYSTEMS, METHODS AND ARTICLES TO FACILITATE SELLING OF ADVERTISING INVENTORY

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for providing an advertisement marketplace where buyers and sellers can trade mediacast advertisement inventory programmatically at local, national, and/or worldwide levels. The marketplace system may include a seller-controlled marketplace system which connects sellers with buyers and offers revenue management tools for optimizing yields across direct and programmatic channels. The advertisement inventory is bought and sold as canonical inventory units which group similar but discrete advertisement slots together. The marketplace system may include a seller side platform (SSP) for sellers through which sellers can access demand across multiple sales channels and can make advertisement inventory available and accept or reject bids based on marketplace demand.



ACCOUNTING FOR DIFFERENCES IN USER INTERACTION WITH CONTENT PRESENTED BY DIFFERENT SYSTEMS WHEN SELECTING CONTENT BY AN ONLINE SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

An online system presents advertisements itself and provides advertisements to third party systems. To mitigate different amounts interactions performed by users presented with advertisements via the online system or presented via a third party system, the online system modifies bid amounts associated with advertisements based on a difference in a number of interactions performed by users presented with advertisements via the online system and a number of interactions performed by users presented with advertisements via a third party system. Based on the difference in interactions performed by users presented with advertisements via the online system and via the third party system, the online system modifies bid amounts associated with advertisements. When the third party system requests an advertisement from the online system, the online system selects an advertisement for the third party system using the modified bid amounts.



CUSTOMIZED LANDING PAGES

Thu, 06 Apr 2017 08:00:00 EDT

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for personalizing landing pages. In one aspect, a method includes generating, by one or more servers belonging to a first domain and for a request, a personalized landing page that includes the personalized landing page data, wherein the landing page belongs to the first domain, and the landing page includes at least one link to a resource of the first party that belongs to the second domain; and providing, by the one or more servers, the personalized landing page to the user device, wherein the personalized landing page, when processed by the user device, generates a personalized landing page environment that belongs to the first domain.



ENERGY-EFFICIENT CONTENT SERVING

Thu, 06 Apr 2017 08:00:00 EDT

Various technologies described herein pertain to allocating content units to client devices. Content units can be requested from an exchange by a server. The content units can be received by the server from the exchange, where the content units each has a corresponding deadline for expiration. Further, an indication of a penalty can be transmitted to the exchange if one of the content units is not displayed by one or more client devices upon expiration of the corresponding deadline.



ENERGY-EFFICIENT CONTENT SERVING

Thu, 06 Apr 2017 08:00:00 EDT

Various technologies described herein pertain to prefetching content units. A prefetch request is transmitted to a server from a client device. The prefetch request includes data indicative of probabilities of slots for content units being available during an upcoming time period. The probabilities can be based on likely interaction with application(s) executed by the client device during the upcoming time period. Prefetched content units assigned to the client device for the upcoming time period can be received from the server responsive to the prefetch request. One or more of the prefetched content units can be served for display on a display screen of the client device during execution the application(s). Further, statuses of the prefetched content units can be monitored, and information that specifies a subset of the prefetched content units that are unlikely to be displayed on the display screen prior to corresponding deadlines for expiration can be transmitted.



ASSET ORCHESTRATION ACROSS MULTIPLE DEVICE TYPES, MEDIA SPACES, AND TIME

Thu, 06 Apr 2017 08:00:00 EDT

Particular embodiments provide a system to support orchestration of media assets that are delivered across multiple media spaces, time, and multiple device types in a coordinated manner. The system exposes a sequence of media assets to a user under media space, time, and device constraints. A campaign may be broken up into multiple media assets (e.g., different creatives, such as advertisement creatives). To target a user across different media spaces, the system may generate spanning rules based on metadata concerning multiple media spaces, time, and multiple device types for the campaign. An analytics service may provide analytics information for the delivered media assets to allow the coordination to continue in the sequence. Also, the analytics information may be used to change the spanning rules for future delivery of media assets.



GENERATING PERSISTENT PROFILE IDENTIFIERS

Thu, 06 Apr 2017 08:00:00 EDT

Persistent profile identifiers can be produced to identify clusters of devices accessing a network in different time periods. In one embodiment, an apparatus uses a first identifier from a first group of identifiers to identify a first cluster of devices and uses a second identifier from a second group of identifiers to identify a second cluster of devices. Further, the apparatus determines that the first cluster of devices identified by the first identifier and the second cluster of devices identified by the second identifier form an edge in a maximum cluster matching. The apparatus provides the first identifier as a persistent identifier for the first cluster of devices and the second cluster of devices.



METHODS AND APPARATUSES FOR RETARGETING WEB USERS WITHIN AFFILIATED CONTENT RECOMMENDATION NETWORK

Thu, 06 Apr 2017 08:00:00 EDT

Aspects of the present disclosure are presented for a third party content recommendation platform to provide a publisher the ability to target web users, who have visited the publisher's website(s), with the publisher's advertisements when the web user visits other web sites within an affiliated network of the third party content recommendation platform.



SYSTEMS AND METHODS FOR EXHIBITION DATE NOTIFICATION

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for exhibition date notification are provided. A user may specify a particular genre of entertainment and/or a particular entertainment provider. Through the use of an exhibition date notification application, the user can further specify notification controls and/or preferences so that the user will be notified of upcoming exhibition dates associated with entertainments commensurate with the specified entertainment genre and/or provided by the specified entertainment provider.



SYSTEMS AND METHODS FOR GENERATING CURATED AND CUSTOM CONTENT FOR DATA-DRIVEN APPLICATIONS USING CLOSED-LOOP DATA

Thu, 06 Apr 2017 08:00:00 EDT

A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.



METHOD AND SYSTEM FOR AMBIENT MEDIA SELECTION BASED ON TRANSACTION HISTORY AND DEMOGRAPHICS

Thu, 06 Apr 2017 08:00:00 EDT

A method for identifying ambient media (audio and visual content) selections based on transaction history includes: storing transaction data entries, each including data related to a payment transaction including a merchant identifier associated with a merchant involved in the transaction, a primary account number associated with a transaction account used in the transaction, and transaction data; receiving a request, the request including a specific merchant identifier; identifying a subset of transaction data entries that include a merchant identifier corresponding to the specific merchant identifier; identifying sets of demographic characteristics based on the primary account number and/or the transaction data included in transaction data entries in the subset; identifying an ambient media selection corresponding to the sets of the demographic characteristics; and transmitting the identified ambient media selection corresponding to each of the sets of demographic characteristics.



SYSTEMS AND METHODS FOR ESTABLISHING AND UTILIZING A HIERARCHICAL BAYESIAN FRAMEWORK FOR AD CLICK THROUGH RATE PREDICTION

Thu, 06 Apr 2017 08:00:00 EDT

The present disclosure relates to a computer system configured establish and utilize a database for online ad realization prediction in an ad display platform associated with N parties, wherein N is a positive integral greater than 1. The computer system is configured obtain a party hierarchy for each of the N parties including a plurality of features of the party; select a target ad display event including N features, each of the N features corresponding to a node in a party hierarchy; obtain a prior probability reflecting an unconditional probability of ad realization occurrence at the target ad display event among all possible ad display events; for each of the N features: determine a marginal prior probability by decomposing components associated with the other N−1 features from the prior probability; determine a marginal posterior probability based on the marginal prior probability; and save the marginal posterior probability in the corresponding node of the party hierarchy.



PREDICTION OF CONTENT PERFORMANCE IN CONTENT DELIVERY BASED ON PRESENTATION CONTEXT

Thu, 06 Apr 2017 08:00:00 EDT

In various implementations, analytics data is received that indicates performance of bid targets for historical bids made in one or more content delivery auctions. Baseline prediction models are maintained for the bid targets. The baseline prediction models use the analytics data to predict performance of the bid targets in one or more future instances of at least one content delivery auction. A presentation context factor model is maintained that provides an adjustment factor that quantifies a contribution of a subset of a plurality of presentation context factors associated with the bid targets to performance of the bid targets based on predicted values from the baseline prediction models. A contextual predicted value is computed using the adjustment factor for the subset of the plurality of presentation context factors. A performance prediction is transmitted to a user device and is based on at least the contextual predicted value.



METHOD FOR PROVIDING ADVERTISING SERVICE BY MEANS OF ADVERTISING MEDIUM, AND APPARATUS AND SYSTEM THEREFOR

Thu, 06 Apr 2017 08:00:00 EDT

The present invention relates to a method for providing an advertising service, provided by means of an advertising medium, capable of providing advertisements to users more efficiently, and to an apparatus and a system therefor, the present invention being capable thereby of increasing user satisfaction by: exposing, when advertisement content has been exhausted and advertisement inventory is idle, reminder content generated by a third-party application through the idle advertisement inventory to achieve a similar advertising effect; providing application service and advertising service without incurring user resistance by displaying advertisements with identical user interface/user experience (UI/UX) of an application of the medium; allowing an application developer to produce advertisements with customized UI/UX by means of a convenient method; and allowing an application developer to include an advertisement SDK provided by an advertisement network company in an application.



NOTIFICATION MACHINE WITH DYNAMIC MESSAGING INTERVAL

Thu, 06 Apr 2017 08:00:00 EDT

A machine provides a user with repeating messages that reference a purchasable product. The time interval to be inserted between the messages is modified dynamically by the machine, based on a popularity score of the purchasable product, as determined by the machine. The machine accesses social media servers and obtains counts of communications that reference the purchasable product. The machine accesses threshold values that each correspond to a different social media server and its application programming interface (API). By comparing the counts of communications to their corresponding threshold values, the machine determines which counts transgressed their threshold values and calculates a popularity score of the purchasable product based on those counts. Based on the calculated popularity score transgressing a reference popularity score, the machine modifies the time interval that will be inserted between the messages that reference the purchasable product.



EXPLORATION OF REAL-TIME ADVERTISING DECISIONS

Thu, 06 Apr 2017 08:00:00 EDT

Described herein are example systems and operations for enhancing response prediction and bidding decision making. A feature recommendation controller may include a factorization machine that generates a set of combinations of contextual and advertiser features yielding high expected response rates. A bidding controller may implement a multi-arm bandit system that uses Thompson sampling to select an optimal one of the feature combinations that corresponds to a highest expected response rate. The bidding controller may compare the corresponding highest expected response rate with a threshold response rate associated with a pacing rate to determine whether to place a bid for a received ad request.



REMINDING USERS OF OFFERS

Thu, 06 Apr 2017 08:00:00 EDT

Provided is a computer implemented process for reminding users of offers that were discovered by the user at one location when, at a later time, the user is at another location, the process including: displaying, with a mobile device, an offer and a reminder interface to indicate that the user requests themselves or another reminder recipient to be reminded of the offer when near another computing device of the reminder recipient; receiving an interaction with the reminder interface by the user and, in response, storing a reminder request in memory, the reminder request identifying the offer; obtaining data identifying the other computing device, a geographic area of the other computing device, or a wireless environment of the other computing device; detecting, with a processor of the mobile device, that the reminder recipient has interacted with the other computing device, entered the geographic area, or entered the wireless environment; and in response to the detection, presenting a notification reminding the reminder recipient of the offer.



SYSTEMS AND METHODS TO REWARD USER INTERACTIONS

Thu, 06 Apr 2017 08:00:00 EDT

A system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an announcement of a reward. The portal tracks user interactions associated with the announcement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler provides the reward to the account of the user via statement credit.



SYSTEM AND METHOD OF COUPON REDEMPTION WITH AUTOMATED PROCEED INVESTMENT

Thu, 06 Apr 2017 08:00:00 EDT

A system and method for coupon redemption and automated proceed investment is disclosed. The system includes a management server that provides access to a merchant's transaction processing system and to individual member portals for registered customers. An input device is provided that is in operable communication with the management server, with the input device including a display with a user interface configured to display customer log-in and coupon redemption options to the customer and to receive log-in information and coupon redemption selections. A processor in the device is programmed to identify data relating to a customer designated account based on the log-in information provided by the registered customer, cause the user interface to display an electronic investment prompt for selecting a coupon redemption option, set aside an investment amount associated with the selected coupon redemption option, and finalize and transfer the investment amount into the customer designated account.



Comprehensive Online Credit for Content (c4c) System

Thu, 06 Apr 2017 08:00:00 EDT

An integrated, incentive-based online system for capturing and utilizing real-time, fresh, and contextual employee generated content™ (internal, feedback, best practices) in the form of customer interactions (testimonials, feedback, ideas, stories), employee interactions (stories, ideas, feedback), video, audio, graphics, images, etc. and providing credit to content authors (employees) for use in online stores and charitable donations. Companies manage their employee content through a dashboard and utilize submissions to connect and engage clients and potential clients. Companies, small and large, are in constant need of high quality and timely content to utilize in sales, marketing, corporate websites, company blogs, LinkedIn, and social media (Facebook, Twitter, etc.) to highlight their services and to keep customers engaged and coming back. Currently, no system is available on the market to support organizations in capturing and rewarding employees for submission of internal content. The c4c System has broad application across all industries and content capture requirements.



SYSTEMS TO SUBSIDIZE VEHICLE-OWNERSHIP RIGHTS BASED ON SYSTEM-DRIVER INTERACTIONS

Thu, 06 Apr 2017 08:00:00 EDT

A system, for providing subsidized vehicle-ownership rights based on driver participation in a driver-participation incentive program. The system includes a processing hardware unit, or processor, and a system-driver agreement module configured to, via the processor, establish an agreement by which the driver participant agrees to perform a vehicle-driving-related task in exchange for a subsidy toward obtaining the vehicle-ownership rights. The system also includes an account-maintenance module establishing a driver-participation account in connection with the driver participant. The system also includes a system-driver interface module resenting, by way of a tangible vehicle interface, a task for the driver to perform, and determining that the driver participant performed the task. The system further includes a driver-incentives module that, via the processor: adds program points to the driver-participant account if the driver performed the task; and applies the program points to the subsidy toward obtaining the vehicle-ownership rights.



AIR FILTERS, AND ELECTRONIC MECHANICAL RECORDS AND NOTIFICATIONS REGARDING SAME.

Thu, 06 Apr 2017 08:00:00 EDT

A method for ensuring timely replacement of an air filter in a building comprises the step of using a testing device to obtain an indoor air quality measurement and the step of employing the indoor air quality measurement to determine a preferred air filter. A barcode is situated at a booth of the air filter. The barcode is inaccessible when the booth is in a closed position. The booth is opened to expose the barcode, and the barcode is scanned using a scanner prior to replacing the air filter with the preferred air filter. Data indicating the replacement of the air filter is received over a network. The data includes at least a date of the scan. The scan date is stored in a database and computer implemented instructions are used to determine a shipment date based on the scan date.



METHODS AND APPARATUSES FOR PEAK DEMAND REDUCTION SYSTEM OPTIMIZATION AND VALUATION

Thu, 06 Apr 2017 08:00:00 EDT

Methods and systems for generating a probability assessment for peak demand reduction for utility customers using a conditional-output energy generator are described. One method includes providing a customer data set and one or more historical generator production data sets for one or more intermittent generators that meteorologically correspond with the customer data set. Time intervals are defined in the data sets and a production distribution curve is generated for each time interval. A simulation is performed using the historical customer consumption data and the production distribution curves to obtain a net demand distribution curve for each time interval. These methods and systems may provide probability-based economic evaluation of consumption management systems.



DETERMINING RELATIVE INTEREST LEVELS OF TOURISTS AND LOCALS IN POINTS OF INTEREST

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for determining whether a point-of-interest (POI) corresponds to a tourist location are provided. A method includes receiving a set of assessments for the POI. Each assessment in the set of assessments includes an associated user account. Each assessment in the set of assessments includes a web-based assessment or an in-person assessment of the POI by the associated user account. The method also includes, for plural assessments in the set of assessments, determining whether the associated user account is a tourist user account or a local user account. The method also includes determining a touristiness value for the POI based on a number of in-person assessments including an associated tourist user account, a number of in-person assessments including an associated local user account, a number of web-based assessments including an associated tourist user account, or a number of web-based assessments including an associated local user account.



REAL-TIME CUSTOMER FEEDBACK AT POINT-OF-SALE

Thu, 06 Apr 2017 08:00:00 EDT

A system for collecting and acting upon user feedback in real-time, comprising a feedback management server that produces and send feedback prompts to clients via a network and receives feedback responses from clients via a network, and an integration server that facilitates two-way communication via a network, and a method for collecting and acting upon user feedback in real-time.



LIGHTING INFRASTRUCTURE AND REVENUE MODEL

Thu, 06 Apr 2017 08:00:00 EDT

In one example, a method for a computing device processes data received in relation to a lighting infrastructure application framework. The method comprises receiving, at the computing device, data reported by a plurality of lighting node platform devices within the lighting infrastructure application framework; processing the received data by at least one of analyzing or aggregating the received data; detecting an occurrence of at least one of a plurality of predefined events based on the processing of the received data; identifying a trend within the received data based on the processing of the received data; and predicting a future occurrence of at least one of the plurality of predefined events based on the processing of the data.



LIGHTING INFRASTRUCTURE AND REVENUE MODEL

Thu, 06 Apr 2017 08:00:00 EDT

In one example, a method for a computing device calculates fees and revenues related to a lighting infrastructure application framework. The method comprises receiving, at the computing device, data that includes at least one of sensor data and controller information related to at least one of a sensor and a controller, wherein the sensor and the controller are within a local area network coupled to the computing device and are associated with at least one lighting node platform device; calculating information describing the fees and the revenues associated with the received data, wherein the revenue is for a lighting infrastructure owner associated with the computing device; and transmitting the calculated information to another device associated with the lighting infrastructure application framework.



System for Navigating Grouped Passengers from an Event

Thu, 06 Apr 2017 08:00:00 EDT

In one embodiment an event likely to be attended by a plurality of users of a taxi service is identified. A location of the event is determined and an end time of the event is estimated. Prior to the end time of the event, a plurality of drivers associated with the taxi service are directed to drive to the location of the event to transport passengers from the location of the event.



ELECTRONIC SERVING SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

An electronic serving system having an electronic serving device that receives and displays food information based upon food item selections made by a consumer.



Method for rapidly delivering rebrabded software applications and associated computer progam

Thu, 06 Apr 2017 08:00:00 EDT

A method for rapidly delivering rebranded software applications and the associated computer program that repackages approved software application packages and redistributes them as new application packages using a customer's name and marketing scheme.



METHODS AND SYSTEMS FOR REAL-TIME IDENTIFICATION AND MITIGATION OF AGENT RISKS RELATING TO AML

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.



METHOD FOR SECURING AN ELECTRONIC TRANSACTION REQUEST FROM A COMPUTING DEVICE FOR FRAUD DETECTION

Thu, 06 Apr 2017 08:00:00 EDT

A method is disclosed for performance by at least one server, for securing an electronic transaction request from a computing device for fraud detection. The request is received as a data packet comprising at least identification data of a payment card associated with the transaction and a MAC address of the computing device, is disclosed. The method comprises the server comparing the MAC address with at least a first list of MAC addresses to obtain a first determination; the server using the identification data to obtain at least one second determination; and the server transmitting a response to the computing device to accept or decline the request based on the first determination and the at least one second determination. A related computing device and server are also disclosed.



Systems and Methods for Fraudulent Account Detection and Management

Thu, 06 Apr 2017 08:00:00 EDT

Provided herein are systems and methods of monitoring account activity in a streaming media environment. An exemplary system includes a monitoring system, an account creation and management system, and an account payment system. The monitoring system is coupled to the account creation and management system and the account payment system via a network. The processing device of the monitoring system retrieves account information for a first user account. Account information includes user consumption information and user payment information associated with the first user account. The processing device determines a fraudulent account score for the first user account based on at least one of the user consumption information, the user payment information, and account identification information. When the fraudulent account score exceeds an upper threshold, the processing device automatically deletes the first user account from at least one of the account creation and management system and the accounts payment system.



METHOD AND SYSTEM FOR DISTRIBUTION OF SOCIAL BENEFITS

Thu, 06 Apr 2017 08:00:00 EDT

A method for selective application of rules to transaction processing for mapped transaction accounts includes: storing account profiles having an account identifier, mapped account identifiers, and a primary account number; storing rule profiles having mapped account identifiers and transaction rules; receiving a program selection including the account identifier and a selected mapped account identifier; receiving a transaction message via a payment network including the primary account number and transaction data; identifying a rule profile having the selected mapped account identifier; determining compliance with the transaction rules in the rule profile based on the transaction data; replacing the primary account number in the transaction message with an account number associated with the selected mapped account identifier if the transaction is determined to be compliant with the transaction rules; and transmitting the transaction message to a financial institution.



Virtual Payment Processing System

Thu, 06 Apr 2017 08:00:00 EDT

A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device. An incoming data transaction request is received and a match is attempted with one or more previously received but not yet resolved data transaction requests. It is identified whether either the incoming data transaction request or the matching data transaction request are dependent on the resolution of another data transaction request and whether that dependent data transaction request has been resolved. The data transaction requests are resolved and/or stored based on the match and resolution of dependencies.



Virtual Payment Processing System

Thu, 06 Apr 2017 08:00:00 EDT

A system, apparatus, and method for resolving a data transaction is provided in which a data transaction request and a counter data transaction request are received asynchronously in time by a data transaction processing system. A data transaction request includes data indicative of the data transaction and a transaction identifier but does not include account identifying information associated with the sender of the counter data transaction request. A counter data transaction request including data indicative of the data transaction and the transaction identifier is received. If a data transaction request has a transaction identifier identical to a previously received transaction identifier of a counter data transaction request, the data transaction is resolved, and a confirmation message is transmitted. If no identical transaction identifier has been received, the received data transaction request or the received counter data transaction request is stored in a transaction message database.



Data Protection System for Online Data

Thu, 06 Apr 2017 08:00:00 EDT

A data protection system for online data is described that can be used to obfuscate sensitive data to relieve security compliance requirements for one or more entities involved in processing, storing, and/or communicating the sensitive data to complete an online purchase transaction. The data protection system can receive online purchase data from a client application, and then remove the sensitive information of the online purchase data to sanitize the online purchase data. The data protection system can also maintain the sensitive information, and communicate the sanitized online purchase data to an eCommerce server that then communicates with a payment service provider for payment authorization of the online purchase, where the sanitized online purchase data relieves security compliance requirements at the eCommerce server.



SYSTEM AND METHOD TO RECORD ENCRYPTED CONTENT WITH ACCESS CONDITIONS

Thu, 06 Apr 2017 08:00:00 EDT

A secure detachable utility monitoring device is disclosed, to be appended to a utility metering apparatus for controlling at least one utility usage consumption. A detachable metering monitoring device of at least one embodiment includes: a usage reading interface to acquire a utility consumption value metered by the utility meter; a first memory to store at least a unique identifier ID and a personal key, both pertaining to the device; a crypto processor to generate a cryptogram from information data comprising at least the utility consumption value, the cryptogram being encrypted with the personal key; a message generator to generate an information message including at least the cryptogram and the unique identifier ID; and a communication network interface including a sending unit to send the information message to a remote management center.



MULTI-CURRENCY TRANSACTION ROUTING PLATFORM FOR PAYMENT PROCESSING SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

According to some embodiments, a multi-currency transaction routing apparatus may include a first input to receive, from an acquirer bank, an electronic message containing information about a business as usual transaction including a generic primary account number. The multi-currency transaction routing apparatus may also include a storage device storing: (i) an association between the generic primary account number and a first primary account number of a first funding bank account in a first currency, and (ii) an association between the generic primary account number and a second primary account number of a second funding bank account in a second currency. A routing module computer may detect the generic primary account number within the electronic message and automatically transmit data about the transaction to a remote device associated with one of the first and second funding bank accounts in accordance with the associations stored in the storage device.



METHOD AND SYSTEM FOR IDENTIFICATION OF CREDENTIALS STORED IN A COMPUTING DEVICE

Thu, 06 Apr 2017 08:00:00 EDT

A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and/or payment credentials payment accounts associated with one or more paired electronic wallets. An account request is received from a digital entity that indicates the account profile, payment account identifiers are transmitted to a user computing device, a selection of a payment account is received from the user computing device, and a corresponding set of credentials in the account profile are identified. The credentials are then transmitted, where payment credentials are transmitted for use in a transaction, and account credentials are transmitted to an entity associated with the paired electronic wallet for use in identifying and providing corresponding payment credentials.



SYSTEM AND METHOD FOR GIFT CARDS INTEGRATION WITH PAYMENT

Thu, 06 Apr 2017 08:00:00 EDT

A system and method for gift cards, account controls, and payment processor integration with email payment in an e-commerce system is disclosed. The system and method include receiving parameters, from a full-customer, for a sub-customer to access an account of the full-customer, wherein the full-customer provides an identifier of the sub-customer, receiving a confirmation from the sub-customer, transmitting an offer to the sub-customer, wherein the offer includes a mailto link and a token, receiving a message from the sub-customer, wherein the sub-customer selects the mailto link in the offer, checking the parameters set by the full-customer, and on a condition that the parameters are met, processing a payment.



AUTOMATIC SYNCHRONIZATION OF A DEVICE FOR TRANSACTION PROCESSING BASED ON GEO-FENCED LOCATIONS

Thu, 06 Apr 2017 08:00:00 EDT

There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.



INTELLIGENT SELECTION OF TRANSACTION PROCESSING TECHNOLOGY AVAILABLE AT A MERCHANT LOCATION

Thu, 06 Apr 2017 08:00:00 EDT

There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.



A METHOD AND SYSTEM FOR ENABLING A PAYMENT

Thu, 06 Apr 2017 08:00:00 EDT

A method of enabling a payment between a payor using a mobile device and one of a plurality of payees using respective payee devices, comprising: monitoring a first communication channel for receipt of a broadcast of a first identifier corresponding to one of the plurality of payee devices; upon receipt of the first identifier, generating an identifier notification comprising the first identifier and a second identifier corresponding to the mobile device, and transmitting the identifier notification from the mobile device to a payment processor over a second communication channel; in response to receipt of the identifier notification transmitted from the mobile device at the payment processor, associating the second identifier of the identifier notification with the first identifier of the identifier notification in a payment processor memory of the payment processor; generating a payment request comprising the second identifier, and transmitting the payment request from the mobile device to the payment processor; in response to receipt of the payment request transmitted from the mobile device, generating a payment notification in respect of the payment re quest, and transmitting the payment notification from the payment processor to the payee device corresponding to the first identifier associated with the second identifier.



CROSS-PLATFORM ORDERING AND PAYMENT-PROCESSING SYSTEM AND METHOD

Thu, 06 Apr 2017 08:00:00 EDT

Various embodiments of the present approach and system include a novel ordering and integrated transaction system for providing consumers information about the merchants, such as locations of available retail merchants, menu items from the merchants, “line time” or “wait time” at the merchant locations, a make time for completing preparation of the consumer's order, etc.



TRANSACTIONAL USER INTERFACE

Thu, 06 Apr 2017 08:00:00 EDT

A computer system for supporting a plurality of locations that each generate sales transactions is provided. The computer system includes a processor and a user interface component coupled to the processor. A configuration component is coupled to the user interface component and is configured to allow a user to configure at least one aspect of a user interface that is provided on a point of sale device with respect to at least one location and to store the configuration information.



CHECK CASHING AUTOMATED BANKING MACHINE

Thu, 06 Apr 2017 08:00:00 EDT

An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.



Systems and Methods for Transaction and Information Management

Thu, 06 Apr 2017 08:00:00 EDT

Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality for establishing an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least distant deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility or to interact with the individual. During such calls a deposit request may be made and the deposit accepted.



UNIVERSAL TRANSACTION PROCESSING

Thu, 06 Apr 2017 08:00:00 EDT

Routing business-to-business money transfers to a specific payee associated with a specific payment processing network. A payment file is used to identify a payment processing network system associated with a payee. One or more payment channels of the payment processing network system are selected. The payment processing network system is instructed to transfer, using a financial institution system, the amount of the money transfer to the payee using the one or more payment channels.



BILL PAYMENT SYSTEM

Thu, 06 Apr 2017 08:00:00 EDT

An Internet based bill payment system allowing a consumer to utilize a third-party payment service to pay a payee, such as a merchant or a governmental entity, is provided. The third-party payment service may be coupled to a disposable credit card associated with credit card account information for the transfer of funds to the payee. The disposable credit card may be adapted to communicate or enable the communication of such credit card account information at a point of transaction terminal, in person or remotely via SMS, of the payee via a computer readable element.



System and method for dynamically-changeable displayable pages with vehicle service information

Thu, 06 Apr 2017 08:00:00 EDT

A method and system for generating a displayable page with a display card is described. A computer server receives data indicating a vehicle symptom and searches a computer-readable database to determine a most-likely cause of the vehicle symptom, a most-probable component associated with the most-likely cause, a component-type identifier associated with the most-probable component, a subset of information categories from among a set of information categories associated with at least one component-type identifier, and data to populate the display card. The server generates the displayable page including the display card and the data to populate in the display card. The server transmits the displayable page to a display device for displaying the displayable page on a display screen. The server receives data indicating selection of an action trigger in the display card occurred and responsively provides the display device with data to update the display card or another displayable page.



Method and system for augmenting real-fix tips with additional content

Thu, 06 Apr 2017 08:00:00 EDT

A method and system for generating and outputting a real-fix tip (RFT) augmented with a pointer to additional content. The additional content may be relevant to any of a complaint, vehicle, cause of complaint, how the cause for complaint was discovered, and service-operation performed on the vehicle to resolve the complaint. The RFT may include a complaint, cause, and correction, and may be stored within a database containing repair orders that include complaints, causes, and corrections regarding various vehicles. A processor may generate the RFT after determining a threshold number of RO with a common complaint, vehicle, cause, and correction. A processor may search the database for the RFT based on a complaint and vehicle, display a list of RFT located during the search, display an RFT selected from the list, obtain additional content pointed to by a pointer in the RFT, and output the additional content to a display.



REFERENCE HOURS TRACKING FOR MACHINE MAINTENANCE

Thu, 06 Apr 2017 08:00:00 EDT

A method of tracking machine maintenance includes tracking units of time with a service meter associated with the machine. Machine maintenance protocols may be performed based on tracking of units of time with the service meter. The accuracy of the service meter may be assessed, and the method includes creating a virtual reference hour meter associated with the machine in response to a service meter inaccuracy being assessed. Units of time may be tracked with the virtual reference hour meter. Machine maintenance protocols may be performed based on tracking of units of time with the virtual reference hour meter.



Systems and Methods for Automatically Collecting User Data and Making a Real-World Action for a User

Thu, 06 Apr 2017 08:00:00 EDT

Systems and methods are provided for automatically recommending real-world actions and performing the same. The real-world action includes at least one of a scheduling action and a purchasing action. The method includes: obtaining data about a user; obtaining data about a partner organization; processing the data about the user and the partner organization to recommend the real-world action and to generate a tolerance rule; when the real-world action is within the tolerance rule, automatically performing the real-world action for the user and in collaboration with the partner organization; and when the real-world action is not within the tolerance rule, providing a notification to the user recommending the real-world action be performed.



PREDICTING ACTUAL EVENT TIMES BASED ON COMPOSITE EXPERIENCE DATA

Thu, 06 Apr 2017 08:00:00 EDT

Methods and systems for predicting a start time of an event include determining a previous start time for a recurring event based on data collected from individual attendees. A probable future start time for the event is estimated based on the previous start time using a processor. The probable future start time is published to one or more prospective attendees.



Dynamic Geofence Determination

Thu, 06 Apr 2017 08:00:00 EDT

A system for dynamic geofence determination for trip navigation comprises an interface and a microprocessor. The interface is configured to receive data for one or more trips. The microprocessor is configured to determine an initial node for each trip based on the data; determine an initial time window for each trip associated with the interface; and determine a dynamic geofence for the initiation of each trip. A dynamic geofence is operable only during its initial time window. The system may have a location sensing device, such as a global positioning system. Trips may be automatically initiated when the interface is within a dynamic geofence during its initial time window.



METHODS AND SYSTEMS FOR TRACKING TIME IN A WEB-BASED ENVIRONMENT

Thu, 06 Apr 2017 08:00:00 EDT

Methods and systems for tracking time in a web-based environment are described. In some embodiments, a web-based application to track time associated with a plurality of records is provided. A record in an active state is identified. A session associated with the record is generated, which includes activating a timer. An indication is received indicating that the record is in an inactive state. In response to receiving the indication, the session is ended, which includes deactivating the timer. A duration of the session is recorded.



FLEXIBLE AND PRIORITIZED MULTI-PURSE TABLES FOR MULTI-ACCOUNT BENEFIT PLAN MANAGEMENT AND PROCESSING

Thu, 06 Apr 2017 08:00:00 EDT

Disclosed herein are system, method, and computer program product embodiments for configuring a multi-purse (MP) table for representing a benefit plan including multiple accounts and respective eligible services. An embodiment operates by storing MP table configurations within a management database. Upon receiving a plan offering for an employee, an MP table selection component of the management system may select an MP table configuration from the stored MP table configurations. The MP table selection component may configure an MP table using the selected MP table configuration by enabling access indicators of respective account types of the MP table that satisfy at least one of the received plurality of accounts in the plan offering. Upon configuration of the MP table, a distribution component of the management system may send the MP configuration to a card vendor configured to process claims received at the card vendor.