Abstract: In an example, the present technique provides a method for processing signals from a human user in connection with a sleep state. Preferably, the method includes using information from the signals for digital cognitive behavioral therapy to improve a sleep state of the human user.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has bees increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Systems and methods for payment using smart payment cards and identifying a payment recipient's financial institution through cloud-based applications are provided. The systems and methods may include a smart payment card including a touchscreen and internet connectivity capabilities. The smart payment card, after authenticating a user, may connect to a cloud-based application and determine, for a recipient chosen by the user, the recipient's bank account information. The smart payment card, after approval from the user, may then direct a payment to the recipient.

Abstract: Apparatus and methods are provided for a smart card which enables users to initiate a transaction or money transfer using voice commands. The apparatus and methods may include a smart card. The smart card may be responsive to voice commands and support electronic communication with a payment network. The smart card may include a housing, a network interface controller including a wireless communication interface, a voice controller, an active near-field communication chip, a microprocessor, a battery and/or an activation button. The smart card may also include executable instructions stored in a non-transitory memory, that when run by the microprocessor, detect and capture a first audio message via the voice controller and perform speaker-dependent speech recognition on the captured audio message to identify whether or not an authorized user of the smart card generated the audio message.

Abstract: A method for performing a card-to-card direct contactless transaction between a first active smart card and a second active smart card, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active smart card by receiving input of a personal identification number (“PIN”) on a keypad located on the first active smart card, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active smart card within a pre-determined distance to the second active smart card and confirming accuracy of each of the first and second active smart card using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include completing the transaction using the first active smart card and a payment network.

Abstract: Apparatus and methods are provided for a smart card which enables users to initiate a transaction or money transfer using voice commands. The apparatus and methods may include a smart card. The smart card may be responsive to voice commands and support electronic communication with a payment network. The smart card may include a housing, a network interface controller including a wireless communication interface, a voice controller, an active near-field communication chip, a microprocessor, a battery and/or an activation button. The smart card may also include executable instructions stored in a non-transitory memory, that when run by the microprocessor, detect and capture a first audio message via the voice controller and perform speaker-dependent speech recognition on the captured audio message to identify whether or not an authorized user of the smart card generated the audio message.

Abstract: Systems and methods for executing transactions with increased transactional efficiency and security via a smart payment instrument with self-contained transaction architecture are provided. Methods may include receiving information via a tactile sensor that is affixed to the instrument. Information may include a series of alphanumeric symbols. The receiving may be achieved by entering the symbols via the tactile sensor. Methods may include deciphering the information, via a payment interface component of the instrument, to generate payment data. Payment data may include a recipient and a payment amount. Methods may include transmitting to a payment gateway, via a wireless communication element embedded in the instrument, a request to execute a payment based on the payment data.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for user's to have to wait on line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Methods and apparatuses relating to instruction set architecture (ISA) based and automatic load tracking hardware for opportunistic re-steer of data-dependent flaky branches are described.

Abstract: Typically, online transactions, such as online purchases of products or services require entering sensitive transaction information into a third-party web browser or application. This may expose sensitive transaction information to an increased risk of inadvertent disclosure. Apparatus and methods are provided for a smart card which enables users to securely complete online transactions without entering any sensitive transaction information into a third-party system. Vendor websites may be configured to generate a unique code identifying the vendor offering the product/service, the product/service and price of the product/service. The smart card includes a keypad for entering the unique code and completing payment for the desired product/service. The smart card will include a microprocessor and wireless interface. The wireless interface provides wireless communication capabilities and the ability to initiate online payments based on information captured by the keypad.

Abstract: A method, computer program product, and computer system are disclosed. The method includes determining probability of high data flow event, memory requirements for the high data flow and time to high data flow event by using pattern recognition based on natural language Processing (NLP), machine learning and statistical algorithms. The method applies a configuration to the edge device and network system when the probability of high data flow event is above a predetermined threshold for handling the high data flow event.

Abstract: Systems and methods for secure and efficient transaction resolution and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of an object. The object may be associated with one of a plurality of service categories. The method may include processing the image and determining the service category, from the plurality of service categories, which is associated with the object. The method may also include determining a service provider that provides the service of the service category for a user associated with the smart card, and determining a monetary balance owed by the user to the service provider for the service. The method may also include executing a payment, via a wireless communication element that is embedded in the smart card, in the amount of the monetary balance, from an account associated with the user to the service provider.

Abstract: A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for user's to have to wait on line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: A video editing application generates video-filled text based on context-sensitive video segments. For example, the video editing application receives a text selection including multiple characters. A text selection context that identifies a characteristic of the text selection is determined, the context including a category of the text selection and a tag identifying an entity associated with the text selection. Scores are computed for multiple video segments, each score indicating a match between an attribute of the respective video segment and the text selection context. Video segments with attributes that match the context are selected, based on a comparison of each score to a threshold. The video editing application generates a composite video that includes a combination of a selected video segment and a character from the text selection, the combination including an outline of the character and the selected video segment.

Abstract: A method for performing a card-to-card direct contactless transaction between a first active smart card and a second active smart card, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active smart card by receiving input of a personal identification number (“PIN”) on a keypad located on the first active smart card, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active smart card within a pre-determined distance to the second active smart card and confirming accuracy of each of the first and second active smart card using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include completing the transaction using the first active smart card and a payment network.

Abstract: A BAW resonator ladder topology pass-band filter can include a plurality of series branches each including BAW series resonators. A plurality of shunt branches can each include BAW shunt resonators, wherein the plurality of series branches are coupled to the plurality of shunt branches to provide the BAW resonator ladder topology pass-band filter. A high-impedance shunt branch can include a plurality of high-impedance BAW shunt resonators coupled together in-series to provide an impedance for the high-impedance shunt branch that is greater the other shunt branches in the BAW resonator ladder topology pass-band filter.