Abstract: An agent automation system includes a memory configured to store a natural language understanding (NLU) framework and a processor configured to execute instructions of the NLU framework to cause the agent automation system to perform actions. These actions comprise: generating an annotated utterance tree of an utterance using a combination of rules-based and machine-learning (ML)-based components, wherein a structure of the annotated utterance tree represents a syntactic structure of the utterance, and wherein nodes of the annotated utterance tree include word vectors that represent semantic meanings of words of the utterance; and using the annotated utterance tree as a basis for intent/entity extraction of the utterance.

Abstract: An agent automation system includes a memory configured to store a natural language understanding (NLU) framework, and a processor configured to perform actions, including: generating a meaning representation from an annotated utterance tree of an utterance, wherein a structure of the meaning representation indicates a syntactic structure of the utterance and one or more subtree vectors of the meaning representation indicate a semantic meaning of one or more intent subtrees of the meaning representation; searching the meaning representation of the utterance against an understanding model to extract intents/entities of the utterance based on the one or more subtree vectors of the meaning representation, wherein the understanding model includes a plurality of meaning representations derived from the intent/entity model; and providing the intents/entities of the utterance to a reasoning agent/behavior engine (RA/BE) of the agent automation system that performs one or more actions in response to the intents/entit

Abstract: An agent automation system includes a memory configured to store a natural language understanding (NLU) framework and a model, wherein the model includes at least one original meaning representation.

Abstract: An agent automation system includes a memory configured to store a corpus of utterances and a semantic mining framework and a processor configured to execute instructions of the semantic mining framework to cause the agent automation system to perform actions, wherein the actions include: detecting intents within the corpus of utterances; producing intent vectors for the intents within the corpus; calculating distances between the intent vectors; generating meaning clusters of intent vectors based on the distances; detecting stable ranges of cluster radius values for the meaning clusters; and generating an intent/entity model from the meaning clusters and the stable ranges of cluster radius values, wherein the agent automation system is configured to use the intent/entity model to classify intents in received natural language requests.

Abstract: An agent automation system implements a virtual agent that is capable of learning new words, or new meanings for known words, based on exchanges between the virtual agent and a user in order to customize the vocabulary of the virtual agent to the needs of the user or users. The agent automation framework has access to a corpus of previous exchanges between the virtual agent and the user, such as one or more chat logs. New words and/or new meanings for known words are identified within the corpus and new word vectors are generated for these new words and/or new meanings for known words and added to refine a word vector distribution model. The refined word vector distribution model is then utilized by the agent automation system to interact with the user.

Abstract: An agent automation system includes a memory configured to store a reasoning agent/behavior engine (RA/BE) including a first persona and a current context and a processor configured to execute instructions of the RA/BE to cause the first persona to perform actions comprising: receiving intents/entities of a first user utterance; recognizing a context overlay cue in the intents/entities of the first user utterance, wherein the context overlay cue defines a time period; updating the current context of the RA/BE by overlaying context information from at least one stored episode associated with the time period; and performing at least one action based on the intents/entities of the first user utterance and the current context of the RA/BE.

Abstract: Present embodiment include a prosody subsystem of a natural language understanding (NLU) framework that is designed to analyze collections of written messages for various prosodic cues to break down the collection into a suitable level of granularity (e.g., into episodes, sessions, segments, utterances, and/or intent segments) for consumption by other components of the NLU framework, enabling operation of the NLU framework. These prosodic cues may include, for example, source prosodic cues that are based on the author and the conversation channel associated with each message, temporal prosodic cues that are based on a respective time associated with each message, and/or written prosodic cues that are based on the content of each message. For example, to improve the domain specificity of the agent automation system, intent segments extracted by the prosody subsystem may be consumed by a training process for a ML-based structure subsystem of the NLU framework.

Abstract: A system and method for creating and accessing a bifurcated digital wallet is described. The method comprises of processor implemented steps of authenticating by an authentication server one or more authentication information sent by a user terminal to the authentication server; extracting a first set of information by the authentication server based on the authentication of the authentication information; extracting a second set of information by one or more second servers based on the authentication of the authentication information; collating the first set of information and second set of information and displaying the collated information at the user terminal for processing a transaction.

Abstract: A method implementable on a transaction server for facilitating a web-based purchase without a user visiting one or more merchant websites or without one or more merchants requiring to change anything on their websites is disclosed. The method includes receiving a request from a user via a marketplace server to make a purchase for at least one item at the one or more merchants. At least a portion of user data associated with the user is transmitted to the one or more merchants for a checkout processing of the request. One or more status messages pertaining to the checkout processing of the request are displayed to the user along with one or more review order messages for confirmation. Lastly, method includes applying the web-based purchase for the at least one item at the one or more merchants based on the confirmation to proceed with the purchase.

Abstract: Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points.

Abstract: Methods and systems for paying with loyalty currency at a store merchant by a user using a mobile app are provided. The user is presented with the loyalty currency balance information and one or more store merchants located in proximity of the user. The user may select a store merchant from the one or more store merchants. Thereafter, user is presented with one or more transaction rules associated with the selected store and an activation button for activating pay with points. The user may opt for activating pay with points for upcoming purchase transaction at the selected store based on the one or more transaction rules, thereby redeeming the loyalty currency.

Abstract: Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points.

Abstract: A method, system, and computer program product for assisting a user in one or more activities during online shopping. The method facilitates tracking of at least one activity of the user during online shopping. Thereafter, the method identifies a suitable promotion for the user based on the tracked activity. Subsequently, the method displays the promotion in a predefined format on a portion of the browser.

Abstract: A method and a system for performing an online payment related activity using a browser application. The browser application interfaces a bill pay website with one or more biller websites to which the online payment needs to be made. When a user logs-in to the bill pay website, the browser application is activated. The user then selects a biller from a list of billers pre-stored at the bill pay website. The browser application automatically navigates the user to a biller website of the selected biller, while concurrently maintaining a communication link to the bill pay website. The browser application then enters payment information on the one or more payment related web pages displayed at the biller website. After the online payment related activity is completed, and the user is navigated back to the bill pay website without the need for a user input.

Abstract: A system for context aware interaction across websites and apps is disclosed, including a context runtime engine configured to track online activity of a user across web pages, browser tabs, browsers, social networking apps, mobile apps and the like. The system includes a state machine module configured to track a context of user actions across web pages, browser tabs, browsers, social networking apps, mobile apps and the like. The system further includes an active context platform configured to interact with the context runtime engine and a plurality of databases to store information pertaining to the context of the user. A method for context aware interaction across websites and apps is also disclosed.

Abstract: Systems and methods for transferring transaction instructions from a remote repository to a participating merchant website using a transaction agent are provided. A user is provided an option of checking out of a merchant website by using a transaction assistant option that requires the user to be authenticated with an activity server. Subsequent to successful authentication, the pre-stored transactional instructions such as user payment method details, the shipping information, and the like are accessed from a payment store and transferred to the transaction terminal at the merchant website for completion of the transaction.

Abstract: Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points.

Abstract: Methods and systems for paying with loyalty currency at a store merchant by a user using a mobile app are provided. The user is presented with the loyalty currency balance information and one or more store merchants located in proximity of the user. The user may select a store merchant from the one or more store merchants. Thereafter, user is presented with one or more transaction rules associated with the selected store and an activation button for activating pay with points. The user may opt for activating pay with points for upcoming purchase transaction at the selected store based on the one or more transaction rules, thereby redeeming the loyalty currency.

Abstract: A method, system, and computer program product for assisting a user in one or more activities during online shopping. The method facilitates tracking of at least one activity of the user during online shopping. Thereafter, the method identifies a suitable promotion for the user based on the tracked activity. Subsequently, the method displays the promotion in a predefined format on a portion of the browser.

Abstract: A method and a system for performing an online payment related activity using a browser application. The browser application interfaces a bill pay website with one or more biller websites to which the online payment needs to be made. When a user logs-in to the bill pay website, the browser application is activated. The user then selects a biller from a list of billers pre-stored at the bill pay website. The browser application automatically navigates the user to a biller website of the selected biller, while concurrently maintaining a communication link to the bill pay website. The browser application then enters payment information on the one or more payment related web pages displayed at the biller website. After the online payment related activity is completed, and the user is navigated back to the bill pay website without the need for a user input.