Buyer Or Seller Confidence Or Verification Patents (Class 705/26.35)
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Patent number: 11961131Abstract: A third-party negotiation automation tool for generating cost estimates on behalf of a seller is described herein. In response to receiving a request for a product from a buyer, a seller may choose to participate in a negotiation for fulfilling the request. The system may utilize one or more data sources, such as user-provided data, third-party data, and the like, to generate a cost estimate on behalf of the seller for fulfilling the request. The seller may choose to accept, modify, or decline the generated cost estimate before providing the cost estimate to the buyer for acceptance. This process may continue for one or more rounds, dependent upon the request, with the final cost estimates provided to the buyer for selection at the conclusion of the one or more rounds.Type: GrantFiled: February 5, 2019Date of Patent: April 16, 2024Assignee: Arkestro Inc.Inventor: Edmund Zagorin
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Patent number: 11941637Abstract: Disclosed is a method of processing item sales information by an electronic apparatus including acquiring a purchase request including item information related to an item selected by a user and information related to a payment means, providing a purchase response including approval information corresponding to the purchase request before proceeding with payment through the payment means in response to the purchase request when the information related to the payment means satisfies a first condition, transmitting a release request for the item to a first server; and requesting payment for at least some of an amount corresponding to one or more purchase requests related to the payment means according to an arrival of settlement timing corresponding to the payment means.Type: GrantFiled: March 23, 2021Date of Patent: March 26, 2024Assignee: Coupang Corp.Inventors: Zee Young Min, Ki Hyun Jeong, Il Hyun Seo, Hyun Ju Cho, Jin Hwan Kim, Hyun Yong Jung, Min Yong Yuk, Ho Hyun Lim, Jin Hyuk Kim
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Patent number: 11928664Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: GrantFiled: May 14, 2020Date of Patent: March 12, 2024Assignee: Fidelity Information Services, LLCInventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
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Patent number: 11900023Abstract: An Agent supportable device for determining a direction of an item of interest. The Agent supportable device includes an antenna configured to communicate with the reference transceiver associated with the item of interest. A receiver in the Agent supportable device is in logical communication with the antenna. A transmitter is also in logical communication with the antenna. A digital storage contains software executable upon demand via a processor in logical communication with the digital storage. The processor is operative via execution of the software to cause the apparatus to display a user interface on a visual display that includes an arrow indicating a direction of the item of interest in relation to the apparatus and a distance between the apparatus and the item of interest.Type: GrantFiled: July 4, 2023Date of Patent: February 13, 2024Assignee: Middle Chart, LLCInventors: Michael Wodrich, Michael S. Santarone, Randall Pugh, Jason E. Duff
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Patent number: 11887041Abstract: Embodiments herein provide for efficient delivery of a package or other item to a precise delivery location using beacons transmitted by a beaconing device, which are detected by a delivery device and used to guide the delivery device to the precise delivery location. Different types of events may be used as triggering events to trigger the transmission of the beacons, and beacons may be encoded to include instructions and/or information to the delivery device for identifying the precise delivery location. According to some embodiments, the beacons may be encoded based on a code unique to the package delivery and/or recipient.Type: GrantFiled: September 23, 2021Date of Patent: January 30, 2024Assignee: QUALCOMM INCORPORATEDInventors: Sathiyamoorthy Subramanian, Bala Ramasamy, Arnold Jason Gum
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Patent number: 11887051Abstract: Techniques for employing user interfaces to output information indicative of events occurring in an inventory facility, and receive feedback from a human regarding the events are described herein. In one implementation, an event may take place in an inventory facility, such as a customer taking an item from an inventory location, returning an item to an inventory location, and so forth. An automated system of an inventory management system may process sensor data collected by sensors in the inventory facility to determine details of the event. In some examples, the inventory management system is unable to determine with a high level of confidence what occurred during the event. The inventory management system may provide the sensor data to a human associate through an associate interface, and receive input regarding details of the event from the human associate through the associate interface.Type: GrantFiled: August 6, 2021Date of Patent: January 30, 2024Assignee: Amazon Technologies, Inc.Inventors: Danny Guan, Prathiban Mohanasundaram, Shannon Thomas, Mirko Mandic, Helene Causse, Brett Richard Taylor, Waqas Syed Ahmed, David Echevarria Ignacio
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Patent number: 11810171Abstract: A multi-platform e-commerce system with a virtual cart is disclosed. The system includes one or more processors and a memory device storing a set of instructions that when executed by the one or more processors, causes the one or more processors to: create an internal virtual cart associated with the multi-platform e-commerce system; in response to the creation of the internal virtual cart, create an external virtual cart associated with one or more single e-commerce platforms; in response to every action taken in the internal virtual cart associated with the multi-platform e-commerce system, enable performance of an immediate corresponding action on the external virtual cart associated with the one or more single e-commerce platforms.Type: GrantFiled: June 25, 2021Date of Patent: November 7, 2023Assignee: Violet.io, Inc.Inventors: Brandon Schulz, Rhen Zabel
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Patent number: 11783402Abstract: A social gift registry provides tools to aid those planning for major milestones in life to engage a network of friends, family, and others in communicating information about the life event, helping to identify and track gifts for the celebrants, and enabling the management of the activities involved in the celebration.Type: GrantFiled: February 3, 2022Date of Patent: October 10, 2023Assignee: TRANSFORM SR BRANDS LLCInventors: Marie Basa Macaisa, Katherine Susan Schneider, Varun Reddy Agasti, Sundaresan Chandrasekaran, Jose David Zayas, Gregory Drogaline, Leena Munjal
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Patent number: 11776025Abstract: A method, apparatus, and computer-readable medium for leveraging real-time sales volume for conducting group buys comprising initializing a sale of an item, the sale specifying a current price of the item which is calculated based on a current sales volume of the item and sales volume ranges, processing transactions with users for items at a purchase price equal to the current price when a purchase request is received from the corresponding user, terminating the sale of the item at a closing price when the current sales volume has reached a threshold or when a period of time has passed since the sale was initialized, and crediting accounts belonging to one or more users with an additional amount based at least in part on a difference between the closing price and the purchase price for each item for the corresponding user.Type: GrantFiled: July 26, 2021Date of Patent: October 3, 2023Assignee: AGORA INTELLIGENCE, INC.Inventors: Severo D'Souza, Patricia Frey, Payson Johnston, Shuo Zhang, Steven Lee
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Patent number: 11769351Abstract: A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.Type: GrantFiled: March 29, 2021Date of Patent: September 26, 2023Assignee: Capital One Services, LLCInventors: Taurean Butler, Brendan Way, Abdelkadar M'Hamed Benkreira
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Patent number: 11769219Abstract: A computer-implemented and interactive real estate contract generation and editing process that allows a user to select “easy” or “do-it-yourself” contract formation sessions, comprising the steps of communicatively coupling a first electronic computing device to a computer server over a wireless communication network and generating a digital graphical user interface (GUI) on an electronic display of the first computing device with a plurality of digital data input fields operably configured to receive alpha-numeric text; initiating a network-based remote “easy” contract formation session that includes selecting a plurality of GUI icons and inputting contract formation data into each of the plurality of digital data input fields; and generating a digital document with a plurality of independent preformed paragraphs each having at least one fillable contract data field disposed therein and filled in with one of the plurality of digital data input fields to create a finalized digital document.Type: GrantFiled: November 15, 2021Date of Patent: September 26, 2023Inventor: Anthony Makins
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Patent number: 11755927Abstract: Aspects of the disclosure relate to identifying entitlement rules based on a frequent pattern tree. A computing platform may retrieve entitlement data associated with a relational database, where the entitlement data is indicative of user entitlements to computing resources in an enterprise network. Then, the computing platform may generate, for the entitlement data, a frequent pattern tree. Then, the computing platform may compare a pair of branches and may detect a pattern associated with a pair of entitlements. Then, the computing platform may determine, based on the frequent pattern tree, a frequency of occurrence of the pattern. Then, the computing platform may identify, based on the frequency of occurrence, a rule associated with the pattern. Subsequently, the computing platform may trigger, via the computing device and based on the rule, an action related to one or more of the entitlements of the pair of entitlements.Type: GrantFiled: August 23, 2019Date of Patent: September 12, 2023Assignee: Bank of America CorporationInventors: David Pritchard, Rajesh Gopinathapai, Jennifer Lynn Greenwald
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Patent number: 11757863Abstract: Systems and methods are provided to authorize users to anonymously access resources of different web sites. For example, a business listing service may authenticate users and allow the authenticated users to access the resources of the businesses listed via the business listing service, without the users having to create separate accounts with the businesses and without having to reveal the identities of the users to the businesses.Type: GrantFiled: October 8, 2014Date of Patent: September 12, 2023Assignee: Thryv, Inc.Inventor: Jakhongir Samatov
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Patent number: 11748757Abstract: A system for detecting fraud within a payment card network includes a memory storing historical transaction data and a processor configured to identify a set of historical transaction data, the set of historical transaction data include one or more test transactions labeled as having been used to test validity of an underlying account, train a model using the identified set of historical transaction data as labeled training data, the model is configured to accept transaction data associated with an input transaction and to classify the input transaction as a test transaction, apply a suspect transaction of a cardholder account as the input transaction to the model, the model generates an indication that the suspect transaction is a test transaction, mark the cardholder account as compromised based on having experienced test transaction activity, and reject a pending transaction based on the cardholder account being marked as compromised.Type: GrantFiled: April 19, 2019Date of Patent: September 5, 2023Assignee: Mastercard International IncorporatedInventors: Mario Segal, Ziying Li
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Patent number: 11720883Abstract: A system and method of tokenizing sensitive cardholder payment information for use in cashless transactions includes receiving a request to process a cashless transaction between a merchant and a purchaser using first payment data stored with an electronic wallet provider on behalf of the purchaser. First payment data is retrieved from the electronic wallet provider. The first payment data is tokenized into a payment token, and provided to the merchant for use in completing the cashless transaction using the payment token. The payment token is detokenized into second payment data being indicative of payment token authenticity. Payment for the cashless transaction is processed using the second payment data, and the merchant is provided with a response indicating either the success or failure of the payment processing.Type: GrantFiled: October 15, 2021Date of Patent: August 8, 2023Inventors: Obinna Nwokolo, Daniel Goodman
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Patent number: 11720221Abstract: A method of enhancing user interaction with content displayed on a display of a touch screen device is provided. The method includes displaying at least one enhanced cursor within a viewable area of the display, the at least one enhanced cursor having a predefined action associated therewith, and receiving a selection of the at least one enhanced cursor. The method also includes detecting movement of the selected at least one enhance cursor onto displayed content, and executing the predefined action on the content. The method may further include detecting a subject matter of content being displayed on a display of a device coupled to the processor. Furthermore, a non-transitory computer-readable medium storing instructions for execution by a processor that cause the processor to perform the provided method may also be provided.Type: GrantFiled: October 31, 2021Date of Patent: August 8, 2023Assignee: PayPal, Inc.Inventor: Saumil Ashvin Gandhi
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Patent number: 11687901Abstract: On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit.Type: GrantFiled: September 16, 2021Date of Patent: June 27, 2023Assignee: Toshiba Tec Kabushiki KaishaInventor: Naoki Watanabe
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Patent number: 11657390Abstract: Disclosed are CodeChain-based models, apparatuses, systems, methods, and applications. When implementing interaction based on CodeChain, each digital person has identity information, the identity information corresponding to a person represented by the digital person and/or the terminal device used by the person; the method comprising: identifying, by the terminal device, a coding medium generated according to a CodeChain access protocol so as to enable the digital person to access a CodeChain network on behalf of the person; and performing data transfer with another digital person and/or system according to entrustment of the person. Through identification of the coding medium, the access address of the code chain server is obtained, and then the address of the server which actually provides services is obtained from the CodeChain server, such that the service is obtained by providing a service parameter as required.Type: GrantFiled: November 6, 2018Date of Patent: May 23, 2023Inventor: Wei Xu
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Patent number: 11645669Abstract: Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.Type: GrantFiled: November 3, 2016Date of Patent: May 9, 2023Assignee: Blackhawk Network, Inc.Inventors: Rodney Mason, Jason Schwomeyer
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Patent number: 11620669Abstract: Systems and methods for digital coin exchange. A digital coin platform receives a distribution request from an entity server comprising digital multimedia content associated with an entity. Digital coins are created responsive to the request. Each digital coin comprises a first coin associated with the entity and a second coin associated with consumers. The first and second coins are linked via linking information. The first coins are transferred to the entity server. A consumption request including the digital multimedia content is transmitted to a consumer device. Responsive to an indication that the content is at least partially consumed via the consumer device, one or more second coins are transferred to the consumer device. The digital coins and the transferred first and second coins are recorded. The transferred second coins permit the consumer device to perform transactions associated with the entity.Type: GrantFiled: October 13, 2021Date of Patent: April 4, 2023Assignee: Alef Edge, Inc.Inventors: Ganapathy Subramanian Sundaram, Ian Patrick Bennett
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Patent number: 11587088Abstract: Generally, embodiments of the invention are directed to methods, computer readable medium, servers and systems for enabling merchants to use hosted order pages (HOPs) and/or silent order posts (SOPs) and thereby avoid handling payment information and the costs associated Payment Card Industry (PCI) compliance, while at the same time utilize third-party fraud detection screens and thereby avoid costs associated with fraudulent transactions.Type: GrantFiled: October 14, 2019Date of Patent: February 21, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Lisa Anderson, Sonny Truong
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Patent number: 11588844Abstract: Disclosed herein are methods, systems, and processes to distribute and disperse search loads to optimize security event processing in cybersecurity computing environments. A search request that includes a domain specific language (DSL) query directed to a centralized search cluster by an event processing application is intercepted. The event processing application is inhibited from issuing the search request to the centralized search cluster if a structured or semi-structured document matches the DSL query.Type: GrantFiled: June 27, 2019Date of Patent: February 21, 2023Assignee: Rapid7, Inc.Inventors: Austin Lee, Gerardo Perez
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Patent number: 11556980Abstract: A system described herein uses data obtained from a wearable device of a first user to identify a second user and/or to determine that the first user is within a threshold distance of the second user. The system can then access an account of the second user to identify one or more items and retrieve model data for the item(s). The system causes the wearable device of the first user to render, for display in an immersive 3D environment (e.g., an augmented reality environment), an item associated with the account of the second user. The item can be rendered for display at a location on a display that is proximate to the second user (e.g., within a threshold distance of the second user) such that the item graphically corresponds to the second user. The item rendered for display may be an item of interest to the first user.Type: GrantFiled: November 13, 2018Date of Patent: January 17, 2023Assignee: eBay Inc.Inventors: Steve Yankovich, Andrew Chalkley, Josh Timonen, David Beach
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Patent number: 11503062Abstract: Technologies are shown for application risk assessment in an authentication service where an authorization request is received from a third party application calling an Application Programming Interface (API). Risk assessment policies that pertain to behavioral characteristics, such as API usage patterns or past delegation of permissions, are applied to the authorization request to obtain a risk assessment score. If the risk assessment score does not exceed a risk threshold, then an authorization message is sent in response to the authorization request. If the risk assessment score exceeds the risk threshold, then remedial action, such as suspending the application, limiting the available actions, or sending a notification to a trusted security application, is executed for an account associated with the third party application. Machine learning can be applied to historical behavioral data to generate the risk assessment policies.Type: GrantFiled: May 8, 2020Date of Patent: November 15, 2022Assignee: eBay Inc.Inventors: Tatjana Vlahovic, Gail Anna Rahn Frederick
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Patent number: 11501307Abstract: The disclosure describes techniques to protect personal information stored on an electronic card with which an owner of the electronic card may be authorized to perform a transaction. For example, a point-of-sale (POS) device may receive protected data generated by an electronic card where the protected data may be used by a personal information server to identify the owner of the electronic card. The POS devices sends the protected data and transaction information to an authorization server that sends the protected data to a personal information server. The owner's personal information can be obtained or derived from the protected data by the personal information server and the personal information is sent to the authorization server. The authorization server can determine whether a transaction is authorized or unauthorized based on the transaction information obtained from the POS device and the personal information obtained from the personal information server.Type: GrantFiled: October 22, 2020Date of Patent: November 15, 2022Assignee: United Services Automobile Association (USAA)Inventors: Sumita T. Jonak, Pooja Krishnaswamy, Christopher Russell, Gabriel Carlos Fernandez, Joel S. Hartshorn, Thomas Wayne Schwarz, Jr.
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Patent number: 11494556Abstract: Methods and systems are presented for automatically detecting positions of various webpage elements within a webpage when the webpage is rendered, based on analyzing the programming code of the webpage. A position detection system obtains and parses the programming code of the webpage to identify webpage elements within the webpage. A group of related webpage elements is identified based on a shared programming structure. The position detection system generates a DOM tree based on the programming code, and determines relative positions of the webpage elements within the group by traversing the DOM tree using a breadth-first search algorithm.Type: GrantFiled: December 22, 2021Date of Patent: November 8, 2022Assignee: PayPal, Inc.Inventors: Olga Sharshevsky, Yarden Raiskin, Ran Yuchtman
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Patent number: 11488124Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.Type: GrantFiled: October 27, 2016Date of Patent: November 1, 2022Assignee: MONEY FLOW, LLCInventors: Saadeh Hattar, Volodymyr Tanin
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Patent number: 11455603Abstract: A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device associated with a user. The request includes an identifier that identifies an offer. The system further includes a revenue share application configured to determine whether the transaction involves a plurality of third parties and to determine a payment share for each party of the plurality of third parties based on the transaction involving the plurality of third parties. A payment transfer module transfers the payment share from an account of the user to each account associated with each party of the plurality of third parties.Type: GrantFiled: March 13, 2017Date of Patent: September 27, 2022Assignee: PayPal, Inc.Inventors: Mark Harrison, Hugo Olliphant
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Patent number: 11455595Abstract: A multi-entity inventory management system including reassignable storage bins and a method for managing product inventory of different entities, for example, vendors, at one or more facilities including one or more storage structures served by robotic handlers, are provided. Each storage bin stores one or more caches of the products. A computerized inventory management system (CIMS) stores digital records including entity identifiers, product catalogues containing product identifiers of the products offered by each entity to customers, and unique bin identifiers assigned to the storage bins. The CIMS executes a digital transfer of ownership of inventory from a stocked entity to a needful entity, for example, based on an inventory shortfall, a complete absence of inventory of the needful entity, orders for the product inventory being received, etc. Along with an inventory swap through the storage bins, the CIMS executes commerce between the entities and implements inventory reservation.Type: GrantFiled: March 13, 2020Date of Patent: September 27, 2022Assignee: ATTABOTICS INCInventors: Scott Gravelle, Douglas Langen, Bradley Dean Simpson
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Patent number: 11449953Abstract: In economic networks, it is not currently possible to observe all flows between entities. Only a portion of relationships between firms is known publicly, and only a portion of those relationships is assigned values through reporting requirements by the regulating public institutions. Therefore, obtaining a plurality of documents that describe companies and their known connections through public sources will necessarily result in an incomplete matrix of customer-supplier relationships containing some mixture of known relationships with known values, known relationships with unknown values, and unknown relationships with unknown values. A method and system is presented to obtain a best estimate of all unknown values given the known information in the network, including an amount that is assigned to unknown entities to be discovered later.Type: GrantFiled: December 23, 2019Date of Patent: September 20, 2022Assignee: Forest Side Partners LLCInventor: Eric McGill
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Patent number: 11429994Abstract: Methods, systems, and devices for providing automatic adjustment to commission fees on a network-based marketplace. Consistent with some embodiments, a purchase offer for an item for sale is received via a user interface of a client device, the purchase offer including an offer price. Upon determining that the offer price is below a listed price, a commission fee reduction value is computed based on a difference between the listed price and the offer price. A reduced commission fee is determined based on the commission fee reduction value and a standard commission fee. Upon determining that the reduced commission fee satisfies a condition defined by a set of rules, a transaction for the sale of the item is automatically completed based on the reduced commission fee, the completing of the transaction comprising reducing the listed price by the commission fee reduction value.Type: GrantFiled: November 20, 2018Date of Patent: August 30, 2022Assignee: EBAY INC.Inventors: Satheesh Kumaresan Nair, Parin Pankaj Jogani, Yoni Acriche, Oded Deckelbaum
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Patent number: 11392673Abstract: Systems and methods are disclosed herein for obfuscating sources of internet-based content for rendering a webpage. For example, a method for obfuscating sources of internet-based content for rendering a webpage is disclosed. The method includes retrieving, by an obfuscation server, internet-based data from at least one server hosting a webpage based on a request received from a web browser at an end user device, where the internet-based data comprises at least one source identifier indicative of a server hosting content for rendering the webpage. The method also includes obfuscating, by the obfuscation server, the at least one source identifier to generate obfuscated internet-based data and transmitting at least the obfuscated internet-based data to the web browser by the obfuscation server. The web browser renders the webpage based, in part, on the obfuscated internet-based data.Type: GrantFiled: July 29, 2020Date of Patent: July 19, 2022Inventor: Cameron Brown
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Patent number: 11392993Abstract: A system and method for providing personalized recommendations or promotional information to consumers based upon a recommendation algorithm selected from a number of recommendation algorithms, by matching personal contextual information of each consumer to detailed contexts in which each recommendation algorithm exhibits optimal performance with regard to particular business performance measures.Type: GrantFiled: September 4, 2020Date of Patent: July 19, 2022Assignee: Transform SR Brands LLCInventor: Kelly Joseph Wical
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Patent number: 11394810Abstract: The technology disclosed relates to causing delivery of Segmentation as a Service™ (SegAAS) instrumentation code and segment processing code to run on a user's machine and generate data that tracks a user session on a website, receiving and processing data from the user session and invoking callback function code, configured to run on the user's machine, that performs actions specified by the website's operator, as triggered by delivery of segment codes. Also included is receiving readings from the user session, analyzing the data to track progress of the session, and generating segment codes that characterize results of the analysis in an actionable way specified by rules provided by the website operator. Further included are repeatedly causing delivery of updated lists of the segment codes based on the analyzing of the progress and timing delivery of unsolicited actions directed to retaining the visitor and extending the user session with the website.Type: GrantFiled: March 8, 2021Date of Patent: July 19, 2022Assignee: Fanplayr Inc.Inventors: Rajiv Sunkara, Simon Yencken, Derek Adelman
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Patent number: 11379618Abstract: A mechanism is provided for secure sensitive private information dependent transactions. A query and a transaction token S associated with a current transaction between a SPI owner and the service provider is received. Particular SPI required is identified based on the query. A request for the particular SPI from the SPI owner is constructed thereby forming a constructed request. The constructed request is sent to one or more authorized devices associated with the SPI owner enrolled with the cognitive SPI broker. The particular SPI is received from a device of the SPI owner thereby forming received SPI. The received SPI is used complete the transaction. A notification is then sent to the SPI owner that the transaction has been completed.Type: GrantFiled: June 1, 2017Date of Patent: July 5, 2022Assignee: International Business Machines CorporationInventors: Tien Hiong Lee, Konstantin Levinski, Edwin Boaz Soenaryo, Weng Sing Tang
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Patent number: 11366884Abstract: Systems for issuing authentication challenges based on fraud initiation requests are provided. The system may calculate a fraud risk level based on a fraud initiating request comprising identity-based data. In response to the fraud risk level indicating a risk of fraud, the system may generate an authentication challenge based on an authentication challenge type and an authentication challenge delivery channel. The system may transmit the authentication challenge and receive back an authentication challenge response. The system may verify the authentication challenge response and generate an authentication outcome based on the verification.Type: GrantFiled: February 14, 2018Date of Patent: June 21, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: David W. Liu, Pradeep Vallanur Ramesh, Rohit Chaturvedi
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Patent number: 11348164Abstract: A computer-implemented method for providing electronic recommendation engines and displays of an apparel subscription application may comprise determining a status of the user as being a valid user of electronic closet recommendation engines and displays of an apparel subscription application; determining, if the user is a valid user, a presence of apparel data in an assistant section of an electronic record corresponding to the user in a database of the electronic closet recommendation engines and displays; and launching the assistant section of a user interface of the apparel subscription application, if the apparel data is present in the assistant section of the electronic record.Type: GrantFiled: September 4, 2020Date of Patent: May 31, 2022Assignee: CaaStle, Inc.Inventors: Arnab Bhattacharya, Georgiy Goldenberg, Aurelien Labonne
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Patent number: 11334296Abstract: A service providing system includes a service providing server that provides a printer use service, and a terminal device, wherein the terminal device accepts a request by a user for withdrawal from the printer use service, and transmits, to the service providing server, request-for-withdrawal information indicating the accepted request for withdrawal, wherein the service providing server, when receiving the request-for-withdrawal information, determines an alternative fee plan that is different from a selected fee plan that the user has selected based on the form of use by the user of the printer use service, and transmits the alternative fee plan information indicating the determined alternative fee plan to the terminal device, and wherein the terminal device presents to the user the alternative fee plan indicated by the received alternative fee plan information.Type: GrantFiled: October 27, 2020Date of Patent: May 17, 2022Assignee: Seiko Epson CorporationInventors: Norihiko Nakajima, Diego Albergoni, Mauro Bartoletti, Alberto Raviolo
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Patent number: 11328299Abstract: A system for authorizing electronic transactions using a form of a token possessing credentials of an account holder, wherein the system transmits a verification message to a terminal where this terminal is different from the one the electronic transaction is conducted on, and through this combination the system shall verify that the transaction is being conducted by the authorized owner of the token used.Type: GrantFiled: August 10, 2016Date of Patent: May 10, 2022Assignee: IPSIDY, INC.Inventors: Thomas Szoke, Maxim Umarov
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Patent number: 11330392Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for enabling beta testing of new features within a native application. In one embodiment, a native application executed by a client device may include executable instructions that are activated and executed only upon indication of a user belonging to a beta test group. The client device may receive a signal from a service or content provider that includes test group information indicating whether a user is a member of a test group. The client device may process the received signal to determine whether the user is a member of a test group and, if so, activates and executes certain instructions received as part of the native application that define a user interface enabling access to additional functionality unavailable to a user determined not to be a member of a test group.Type: GrantFiled: January 11, 2021Date of Patent: May 10, 2022Assignee: Capital One Services, LLCInventors: Kjell Hegstad, Dennis Brandt
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Patent number: 11328273Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.Type: GrantFiled: November 15, 2019Date of Patent: May 10, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Venkatesh Jagalpure, Ketan Shrikant Joshi, Gaurav K Patni
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Patent number: 11276091Abstract: This application discloses an information processing method performed at an application server. The application server receives a first virtual article identifier and a first account sent by a terminal in response to an operation of a user on a virtual article presentation interface. The server generates and stores a first order including the first virtual article identifier and the first account, obtains a current bill provided by a payment system and forwarded by the terminal, and a second account used to log into the terminal. The server determines a second order corresponding to the current bill, associates the current bill with the second order when a virtual article identifier and an account in the second order are the same as the second virtual article identifier and the second account; and sends a virtual article corresponding to the second virtual article identifier to the second account.Type: GrantFiled: March 18, 2019Date of Patent: March 15, 2022Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventors: Zhiyong Lu, Wenxin Chen, Xi Xiong, Ningguo Chen, Qiang Fei, Xunmao Zheng, Songjian Wang, Jianwei Deng, Wuling Qin, Yi Ding
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Patent number: 11276105Abstract: A social gift registry provides tools to aid those planning for major milestones in life to engage a network of friends, family, and others in communicating information about the life event, helping to identify and track gifts for the celebrants, and enabling the management of the activities involved in the celebration.Type: GrantFiled: November 5, 2019Date of Patent: March 15, 2022Assignee: Transform SR Brands LLCInventors: Marie Basa Macaisa, Katherine Susan Schneider, Varun Reddy Agasti, Sundaresan Chandrasekaran, Jose David Zayas, Gregory Drogaline, Leena Munjal
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Patent number: 11250487Abstract: Computer vision and image characteristic search is described. The described system leverages visual search techniques by determining visual characteristics of objects depicted in images and comparing the determined characteristics to visual characteristics of other images, e.g., to identify similar visual characteristics in the other images. In some aspects, the described system performs searches that leverage a digital image as part of a search query to locate digital content of interest. In some aspects, the described system surfaces multiple user interface instrumentalities that include images of patterns, textures, or materials and that are selectable to initiate a visual search of digital content having a similar pattern, texture, or material. The described aspects also include pattern-based authentication in which the system determines authenticity of an item in an image based on a similarity of its visual characteristics to visual characteristics of known authentic items.Type: GrantFiled: April 18, 2019Date of Patent: February 15, 2022Assignee: eBay Inc.Inventors: Robinson Piramuthu, Timothy Samuel Keefer, Kenneth Clark Crookston, Ashmeet Singh Rekhi, Niaz Ahamed Khaja Nazimudeen, Padmapriya Gudipati, Shane Lin, John F. Weigel, Fujun Zhong, Suchitra Ramesh, Mohammadhadi Kiapour, Shuai Zheng, Alberto Ordonez Pereira, Ravindra Surya Lanka, Md Atiq Ul Islam, Nicholas Anthony Whyte, Giridharan Iyengar, Bryan Allen Plummer
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Patent number: 11238363Abstract: A device may receive information that identifies a requirement. The device may receive information associated with a set of positive entities and a set of negative entities. The device may identify a set of priority terms based on the information associated with the set of positive entities and the set of negative entities. The device may identify a first set of ancillary terms and a second set of ancillary terms based on the information that identifies the set of priority terms. The device may generate a model based on the set of priority terms, the first set of ancillary terms, and the second set of ancillary terms. The device may determine a set of classification scores, for a set of unclassified entities, based on information associated with the set of unclassified entities and the model. The device may provide information that identifies the set of classification scores to cause an action to be performed in association with the set of unclassified entities.Type: GrantFiled: April 27, 2017Date of Patent: February 1, 2022Assignee: Accenture Global Solutions LimitedInventors: Rajeev Sinha, Meenakshi Arvind Lingayat
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Patent number: 11227318Abstract: Systems and methods are provided for coordinating an Unmanned Vehicle (UV) to perform authenticated delivery of goods. A method for coordinating a delivery may include instructing, via a communication network, a user device to collect user preferences on delivery logistics. The method may also include receiving the user preferences from the user device. The method may also include receiving user financial data from a financial service provider server. The method may also include receiving real-time information comprising location information of a UV and a user device. The method may also include authorizing the delivery of the package if an authentication process is satisfied based on the user preferences, the user financial data, and the real-time information. The method may also include transmitting to the UV a command to complete the delivery, if the delivery is authorized. The method may also include transmitting to the UV an abort command, if the delivery is not authorized.Type: GrantFiled: February 1, 2018Date of Patent: January 18, 2022Assignee: Capital One Services, LLCInventors: Jeremy J. Phillips, Kevin S. Park, Shane F. Blackman
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Patent number: 11210716Abstract: Methods, systems, and apparatus for predicting a status of a transaction are described. Feature data related to one or more transactions is collected and a subset of features is selected for use in predicting the status of the transaction. A model is trained using the collected feature data that corresponds to the selected features, and the model is applied to feature data of a selected transaction to generate a probability of the selected transaction attaining one or more defined statuses. Mitigating or preventive actions are performed based on the generated probability.Type: GrantFiled: February 25, 2019Date of Patent: December 28, 2021Assignee: eBay Inc.Inventors: Samaneh Abbasi Moghaddam, Jerry Louis, Vipul C. Dalal
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Patent number: 11182791Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.Type: GrantFiled: January 29, 2018Date of Patent: November 23, 2021Assignee: PAYPAL, INC.Inventors: Nikant Vohra, Priyanshu Agarwal, Tushar Raibhandare, Prasanna Annamalai, Anupam Pahuja
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Patent number: 11179639Abstract: Embodiments of an automated fraud detection system are disclosed that can detect user accounts that are engaging in unauthorized activities within a game application. The fraud detection system can provide an automated system that identifies parasitic accounts. The fraud detection system may identify patterns using machine learning based on characteristics, such as gameplay and transaction characteristics, associated with the parasitic user accounts. The fraud detection system may generate a model that can be applied to existing accounts within the game in order to automatically identify users that are engaging in unauthorized activities. The fraud detection system may automatically identify these parasitic accounts and implement appropriate actions to prevent the accounts from impacting legitimate users within the game application.Type: GrantFiled: April 15, 2020Date of Patent: November 23, 2021Assignee: ELECTRONIC ARTS INC.Inventors: Navid Aghdaie, John Kolen, Mohamed Marwan Mattar, Mohsen Sardari, Su Xue, Kazi Atif-Uz Zaman
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Patent number: 11182840Abstract: Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of receiving an online query from an electronic device of a user, the online query comprising natural language of the user, determining an intent of the online query as at least one of a product-related intent or a non-product-related intent, predicting an entity from the online query if the intent of the online query is determined to be a product-related intent, mapping the entity predicted from the online query to product metadata associated with one or more products, and coordinating a display of product information of the one more products on the electronic device. The entity can include a product name, a product attribute, a product price range, an average customer review, or a product brand.Type: GrantFiled: November 18, 2016Date of Patent: November 23, 2021Assignee: WALMART APOLLO, LLCInventors: Shankara Bhargava Subramanya, Kushal Bhatt, Jun He, Luyang Chen