Abstract: A user device comprising: i) transmit path circuitry and receive path circuitry configured to communicate with a payment server; and ii) processing circuitry configured to control the transmit path circuitry and receive path circuitry. The processing circuitry is further configured to: a) receive a user input related to a payment process; b) calculate a risk score indicative of a likelihood of fraudulent activity associated with the payment process, wherein the risk score calculation is based on confidential information associated with the user that is stored on the user device; and c) transmit to the payment server a payment action and the risk score associated with the payment action without disclosing the confidential information. The confidential information comprises personally identifiable information and/or private information of the user. The processing circuitry calculates the risk score using a risk base model received from a model server.

Abstract: A computer system includes a data storage module which receives, stores, and provides access to determinate data, raw indeterminate data, and extracted indeterminate data captured by an indeterminate data capture module. The computer system also includes a computer processor, a model training component, and a screening module. The model training component generates the predictive model based upon historical determinate and indeterminate data, and continuously adapts the predictive model with new historical data. The screening module categorizes current claims according to whether they are suitable for predictive analysis by the predictive model. The predictive model is applied to the current claims suitable for predictive analysis to determine a value for each claim indicative of whether the current claim transaction is questionable. The system also includes an output device which outputs the determined value for each claim, and a routing modules which routes claim workflow based on the outputted values.

Abstract: Devices, systems, and methods of contextual mapping of web-page elements and other User Interface elements, for the purpose of differentiating between fraudulent transactions and legitimate transactions, or for the purpose of distinguishing between a fraudulent user and a legitimate user. User Interface elements of a website or webpage or application or other computerized service, are contextually analyzed. A first User Interface element is assigned a low fraud-relatedness score-value, since user engagement with the first User Interface element does not create a security risk or a monetary exposure. A second, different, User Interface element is assigned a high fraud-relatedness score-value, since user engagement with the second User Interface element creates a security risk or a monetary exposure.

Abstract: Embodiments of the invention provide a method, system and computer program product for optimal sales opportunity visualization in a CRM application. The method includes storing different data for different business opportunities previously closed and won. The method also includes loading from the data store business opportunity data for a potential sale. The method further includes generating a visualization for an aggregation of the different data representative of an optimal sales opportunity and also generating a visualization from the business opportunity data for the potential sale. Finally, the method includes displaying a comparison of the visualizations and providing an alert responsive to a determination that the visualization from the business opportunity data for the potential sale varies by a threshold amount from the visualization for the aggregation of the different data representative of the optimal sales opportunity.

Abstract: An image sensor module that comprises a die, wherein the die comprises light sensors and optics; and wherein the optics comprises luminescent elements that represent die manufacturing information that is indicative of a manufacturing process of the die.

Abstract: Using a bi-directional transceiver, one can receive or provide a service. Location of the parties associated with respective transceivers is tracked and billing is made accordingly based on factors such as time spent returning to a vehicle, being inside or outside the location, and the like. Further, a location where a job is to be performed is checked for its zoning information to ensure that a person performing the job is not only licensed to perform the job, but licensed to work at a specific zoned location where not all who are licensed in the field are licensed to do so.

Abstract: Concepts and technologies are disclosed herein for obtaining ratings using a rating service. A server computer executing a rating service can detect arrival of a user device at a vendor location. The server computer also can detect an interaction with a product offered at the vendor location by the user device. The server computer can determine that a rating for the product is to be requested, and can request the rating from the user device.

Abstract: An arrangement has a device which has at least one individualizing feature, detecting unit for detecting the individualizing feature, and a data storage unit in which the individualizing feature is stored and uniquely assigned to the device. The arrangement can reliably ascertain the authenticity of a product. The individualizing feature can be detected by the detecting unit and compared to the stored individualizing feature, which has already been stored in the data storage unit.

Abstract: Embodiments provide methods and systems configured to consolidate market research data from a plurality of sources (e.g., regional providers) into a single data warehouse suited for global reporting purposes. Accordingly an engine is provided in communication with a plurality of underlying databases each comprising market research data. The databases comprises a time dimension, a market dimension, and a product dimension. The engine aggregates data of the individual market research databases into a consolidated database, by first identifying a pre-aggregated market total. Next, the engine selects and identifies single individual products relevant to the aggregated market research data. Finally, the engine checks that the sum of the selected products of the previous step is within a tolerance level of the pre-aggregated market total of the initial step. If the check fails, in an iterative manner the engine returns to alter the selected relevant products and performs the check step again.

Abstract: A system, method, and computer-readable medium for performing a virtual organization operation for generating a virtual organization hierarchy that is based upon influence within an organization. More specifically, in certain embodiments, the operation generates a virtual organizational hierarchy that contains individuals, roles, contact information, responsibilities, estimates of purchasing authority, and other influential values. In certain embodiments, the virtual organization operation includes templates for virtual organizations of differing types to provide the capacity for handling differences in organizational structures like not-for-profits or educational establishments.

Abstract: An apparatus, a system and/or a method provide for wirelessly collecting data corresponding to a product attached to a security device. Security devices may wirelessly transmit status data. An analytics module may monitor and/or capture the status data and/or may determine statistical data related to the product attached to the security device. The analytics module may wirelessly transmit the statistical data to a remote device for further collection and/or analysis.

Abstract: A multi-tenant system stores data for customers. The multi-tenant system presents user interfaces allowing users associated with the customers to perform analysis of data stored for the customer. The multi-tenant system determines recommendations for subsequent user actions that can be performed by a user in a context. The context includes a report being analyzed, a type of visualization of the report, one or more interactions performed by the user with the report, and so on. The multi-tenant system presents one or more widgets based on the recommendations that allow the user to perform the recommended action. The multi-tenant system may determine a recommendation based on past interactions of a subset of users of the multi-tenant system, for example, users associated with a type of industry, users having a particular role in an organization, or a level of experience of the user with analysis of data.

Abstract: Disclosed in some examples are systems, methods, and machine readable mediums that infer contributions from content distributed on a hierarchical electronic content distribution system to the occurrence of events using observed interactions related to the content. For example, the system may infer that a particular item of content that was shared through the hierarchical electronic content distribution system caused a person to apply to the company seeking to be hired. As another example, the system may infer that a particular item of shared content caused or contributed to a sale of the company's products. As yet another example, the system may infer that a particular item of shared content caused or contributed to an increase in a metric associated with the organization.

Abstract: Disclosed in some examples are systems, methods, and machine readable mediums that infer contributions from content distributed on a hierarchical electronic content distribution system to the occurrence of events using observed interactions related to the content. For example, the system may infer that a particular item of content that was shared through the hierarchical electronic content distribution system caused a person to apply to the company seeking to be hired. As another example, the system may infer that a particular item of shared content caused or contributed to a sale of the company's products. As yet another example, the system may infer that a particular item of shared content caused or contributed to an increase in a metric associated with the organization.

Abstract: A non-transitory computer readable medium stores a program causing a computer to execute a process including calculating a value indicating a complementarity and a value indicating a substitutability, the values each being calculated as information indicating a relationship between multiple items on a basis of browsing history information and purchase history information of the items.

Abstract: A data integration hub system includes a centralized database storing data according to a dimensional modeling schema. The data integration hub system accepts an external dataset from an external data source that stores data according to a database schema that differs from the dimensional modeling schema of the central database. The data integration hub translates the external data set into a first importable format compatible with the dimensional modeling schema of the centralized database, and imports the translated external dataset into the centralized database. The data integration hub also accepts online platform data from an online platform and imports the online platform data into the centralized database. In some cases, the data integration hub translated the online platform data prior to importation. The data integration hub generates client valuation profiles based on the data imported from the external data source and the online platform.

Abstract: A server comprises a storage section configured to store for each attribute a behavior pattern, which characteristically represents a behavior of a customer who visits a store by an attribute of the customer, a measurement module configured to measure the behavior of the customer in the store based on an image of the customer captured by a camera arranged in the store, a reception module configured to receive an inquiry of the attribute of the customer from a sales processing apparatus which executes a transaction processing on a sales object sold to a customer in the store, and an attribute determination module configured to determine, if the inquiry is received by the reception module, the attribute of the customer by comparing the behavior of the customer measured by the measurement module with the behavior pattern stored in the storage section.

Abstract: An electronic information collection method and apparatus are applied to a terminal. According to the method, a social networking application installed in the terminal is described, and at least one electronic information identifier of electronic information is collected from each system platform. The social networking application provides a unified electronic information interface compatible with different third-party system platforms. According to the method, electronic information corresponding to each electronic information identifier is acquired by using the electronic information interface; the acquired electronic information is saved to generate a unified collection; and the electronic information is then forwarded to another party according to a received instruction.

Abstract: The apparatus comprises at least one database for storing digital information associated with at least a first user and a second user, at least one links module for the first user and for the second user, at least one manipulations module and at least one display device for respectively displaying at least said linked digital information wherein said linked digital information associated with said first user is automatically updated on at least said display device of said second user when that information is manipulated, and wherein said linked digital information associated with said second user is automatically updated on at least said display device of said first user when that information is manipulated.

Abstract: Systems, methods, and other embodiments are disclosed that are configured to generate promotion effects for use by a demand forecast model. In one embodiment, a first regression analysis is performed on historical performance data for an item to generate first promotion effect values for a plurality of promotion components. The first promotion effect values are compared to a plurality of rules. If none of the rules are violated by the first promotion effect values, the first promotion effect values are output as final promotion effect values. If at least one of the rules is violated by the first promotion effect values, a phased operation is performed on the historical performance data. The phased operation operates on subsets of the promotion components of the historical performance data over at least two regression analysis phases to generate second promotion effect values.

Abstract: Embodiments of the present invention provide a method, system and computer program product for customer lifecycle management visualization. In an embodiment of the invention, a method for customer lifecycle management visualization includes defining multiple different stages of a customer lifecycle in a CRM application executing in memory of a computer. The method also includes loading records for a business opportunity from a data store of CRM data stored by way of the CRM application and rendering in a user interface to the CRM application, a visualization of the different stages of the customer lifecycle. Finally, the method includes displaying a state of the business opportunity within the visualization by visually distinguishing ones of the stages already completed in connection with the business opportunity from ones of the stages not yet completed in connection with the business opportunity.

Abstract: A non-transitory computer readable medium stores a program causing a computer to execute a process for estimating willingness-to-buy. The process includes calculating including diving a first operation history of multiple operations performed by a user in electronic commerce, the dividing being performed on a basis of one of the multiple operations, calculating a degree of willingness-to-buy indicated by the one operation, the calculating being performed on a basis of multiple operations included in a second operation history obtained by dividing the first operation history, and calculating a temporal change in a degree of willingness-to-buy of the user in the electronic commerce.

Abstract: Automotive vehicles may be manufactured and delivered in accordance with the following process: A computer system containing at least one processor may query one or more databases of social media postings in one or more social media computer networks for social media postings that: identify one or more vehicles or series of vehicles; indicate an intent to purchase the one or more vehicles or series of vehicles; and contain a geocode indicating a location of the author of the social media posting. The computer system may, for each social media posting returned by the querying, determine the one or more vehicles or series of vehicles identified in the social media posting; determine the location of the author of the social media posting based on the geocode contained within the social media posting; and determine what preference or preferences the social media posting expresses for a particular vehicle or configuration of vehicle.

Abstract: An information processing method includes: dividing processing target data, which indicates an action detected for each of a plurality of persons in a certain period, by a predetermined period length with reference to information related to a time contained in the data and separately performing a principal component analysis in each of the divided period length, by a processor; specifying corresponding axes in temporally adjacent analysis periods based on an axis calculated as a result of each principal component analysis, by the processor; and considering axes associated in the temporally adjacent periods as the same axis throughout all of the processing target data, and grouping the plurality of persons into a plurality of groups, by the processor.

Abstract: The invention relates to a method for determining a user profile in relation to certain web content, according to the user's browsing data. The method comprising the following steps: classifying the browsing data according to content categories; extracting a first set of variables from the user's web browsing data for each category; assigning the user a ranking position for each of the categories, and comparing the first set of variables with the same variables of other users; calculating at least one correction factor for the user's ranking position in each category according to one or more time variables extracted from the web browsing data; recalculating the user's ranking position for each category, taking into account the correction factor calculated for each category; and determining the user profile on the basis of the user's ranking position calculated for each category.

Abstract: Provided are a card benefit providing system and method for automatically adjusting card benefits for each customer by applying card usage information, the card benefit providing system including: a benefit managing server (100) including: a benefit control unit (110) controlling, in an integrated manner, providing of card benefits according to card usage history information in connection with a payment action using a card possessed by a customer who desires to receive an automatic card benefit adjusting service; and a payment information database unit (120) storing and managing the card usage history information according to each customer in a database.

Abstract: According to one aspect, embodiments of the invention provide a system and method for partner program participation in a loyalty program of a main organization. In one embodiment, a partner program participation module of the main organization receives activity files from a partner organization. The activity files include information related to qualifying actions taken by customers with respect to a loyalty program of the partner organization. The partner program participation module of the main organization updates customer loyalty records (e.g., provides rewards) in the main organization based on the information included in the activity files related to the qualifying actions taken by the customers with respect to the loyalty program of the partner organization.

Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.

Abstract: A content publication device includes motion/speed sensors to detect a position/speed of a passing observer in the vicinity. A content selector module selects targeted content for publication by the content publication device based on the detected position/speed of the passing observer. An observer reaction module determines whether the selected content has caused a reaction in the passing observer based on motion/speed sensor data. The reaction might be the passing observer moving towards the content publication device or moving more slowly away from the content publication device. A first kiosk or billboard advertisement may be displayed based on a first detected position/speed of the passing observer and a second kiosk or billboard advertisement, providing more billboard details or options for interacting with the kiosk, may be displayed based on a second detected position/speed of the passing observer, a predicted position of the passing observer or a reaction of the passing observer.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automated management of campaigns using scripted rules.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automated management of campaigns using scripted rules.

Abstract: A computer-implemented method for controlling content distribution includes forwarding information associated with a user to a device operated by the user, the information being configured for use in selecting content from any of multiple content providers for a content distribution to the user. The method includes receiving, in response to the information, an edit of the information forwarded from the device. The edit identifies a first content provider and including a first modification of the content distribution regarding the first content provider. The method includes storing the edit in association with the information such that the first modification is taken into account in the content distribution. The method can be implemented using a computer program product tangibly embodied in a computer-readable storage medium.

Abstract: A method for data communication between a data processing unit (12) and an end device (20) to be used by a user is provided, which method comprises an analyzing step according to which a content to be displayed on a display (22) of the end device (20) is analyzed and wherein the content to be displayed is chosen by the user, previously. Further, a data set (16), in particular a video data set, stored in a storage (14) of said data processing unit (12) is chosen according to the result of the analyzing step. The data set (16) is transferred to the end device (20) which data content is displayed on the display (22) of the end device (20). Further, a system (10) and a method for calculating charges is provided.

Abstract: In one embodiment, a method includes receiving a request for a multimedia object from a mobile-client system of a first user, wherein the request comprises http-header information of the mobile-client system, determining one or more attributes of the mobile-client system based at least on a social-graph information associated with the first user and the http-header information, wherein determining the one or more attributes comprises calculating a probability score the mobile-client system has the one or more attributes by comparing the social-graph information associated with the first user and the http-header information with a database of a social-networking system, and sending the multimedia object to the mobile-client system in response to the request, the multimedia object being customized based on at least the determined one or more attributes of the mobile-client system.

Abstract: Disclosed in some examples are systems, methods, and machine readable mediums that infer contributions from content distributed on a hierarchical electronic content distribution system to the occurrence of events using observed interactions related to the content. For example, the system may infer that a particular item of content that was shared through the hierarchical electronic content distribution system caused a person to apply to the company seeking to be hired. As another example, the system may infer that a particular item of shared content caused or contributed to a sale of the company's products. As yet another example, the system may infer that a particular item of shared content caused or contributed to an increase in a metric associated with the organization.

Abstract: Social graphs using shared personal data are described, including techniques for capturing data from a social data source, determining one or more connections associated with an item using the data, and creating a social graph using the one or more connections, the social graph comprising the one or more connections associated with the item. Embodiments of the invention also include techniques for updating social graphs.

Abstract: An online publisher provides content items such as advertisements to users. To enable publishers to provide content items to users who meet targeting criteria of the content items, an exchange server aggregates data about the users. The exchange server receives user data from two or more sources, including a social networking system and one or more other service providers. To protect the user's privacy, the social networking system and the service providers may provide the user data to the exchange server without identifying the user. The exchange server tracks each unique user of the social networking system and the service providers using a common identifier, enabling the exchange server to aggregate the users' data. The exchange server then applies the aggregated user data to select content items for the users, either directly or via a publisher.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving from a client device a first notification of an ad space of an ad space inventory, the ad space included in a user interface of an application on the client device, sending to bidders a second notification requesting bids on the ad space, receiving bids from the bidders, identifying a first bid of the received bids corresponding to a first buyer and a first bid price of a cost-per-view price wherein the first buyer pays the first bid price only if the creative is viewed, adjusting the first bid price based on a historical viewing rate of ad spaces of the ad space inventory, ranking the bids according to respective bid prices wherein the first bid is ranked according to the adjusted first bid price, and selecting a top-ranked bid.

Abstract: A method includes receiving, at an advertisement system, advertisement data from a plurality of advertiser devices. The method further includes generating a plurality of advertisement records, each advertisement record including an entity name, an action, and a bid price associated with an advertisement. The method further includes receiving an advertisement request from a link generation system and selecting an advertisement record having the entity name indicated in the advertisement request but a different action than the action indicated in the advertisement request. Additionally, the method includes generating an advertisement result based on the selected advertisement record and transmitting the advertisement result to the link generation system.

Abstract: A facility for generating an advertising message is described. The facility extracts visual content from a model web page. The facility then constructs an advertising message that contains the extracted visual content.

Abstract: A generation apparatus includes an acquiring unit that acquires a first content to he displayed in a display area included in a predetermined content, and a second content that is provided by a provider different from a provider of the first content. The generation apparatus includes a generating unit that generates a third content, in which the first content and the second content arc superimposed such that at least a part of the second content is visible.

Abstract: The system and methods described herein provide for advocating brands in a multimedia device applications. The system and method provides for conversion of digital facial images into animated representations. The system and method captures and analyzes a user's voice information, compares this to a plurality of phonemes, maps the extracted phonemes onto the animated representation allowing for synchronized movement of the animated representation with real time voice conversations therefore providing for a low-bandwidth video chat capability. The system and method also provide a method for advertisers to target users and bid online to deliver users branded display backdrops, logos or multimedia content. The system and method couples advertiser bids and display prominence so that the higher the bid, the more prominent is the presentation of an advertiser's thumbnail, icon or other representation of the advertiser's user engagement content offering in a list displayed on a target user's multimedia device.

Abstract: A social networking system predicts a life event (e.g., birthday, change in marital status, relationship status, etc.) for a target user based on information associated with the user. The social networking system identifies gift suggestions to provide to one or more friends of the user based on the predicted event. A gift suggestion may include an invitation to purchase or send an item, voucher, or other gift to the target user, wherein the gift may be determined based on information about the target user's interests obtained by the social networking system. The social networking system sends a gift suggestion to one or more friends of the target user, where the gift suggestion identifies the predicted life event and provides the gift suggestion to the target user's friend. The advertisement may require action by multiple of the target user's friends before the gift is sent to the target user.

Abstract: Disclosed are methods and devices for facilitating a location inspection and property tour. A location inspection computing device may receive at least one first rating of one or more characteristics associated with one or more locations, properties, units, parcels or sections. The first rating may be based on perceived importance of the one or more characteristics to a user. The method further comprises receiving, by the location inspection computing device, additional locations, properties, units, parcels or sections included in the location inspection tour and at least one second rating of the one or more characteristics being provided by the user while inspecting each location, property, unit, parcel or section. Further a composite rating for the listing of each location, property, unit, parcel or section is computed based on the at least one first rating and the at least one second rating.

Abstract: A computer-implemented method for providing valuation data for a location of interest (LOI) to a user is provided. The method includes receiving, by a real estate valuation computing device, a location request message generated at a mobile device associated with the user. The location request message includes image data and mobile device data. The method also includes mapping the LOI to a physical location based at least in part on the mobile device data, and determining valuation data for the LOI based on the physical location. The valuation data includes a real estate rating for the LOI. The method further includes generating a location response message that includes at least the valuation data and the physical location of the LOI, and transmitting the location response message to the mobile device.

Abstract: Systems and methods here include computer-implemented methods for determining ratings for software including displaying multiple content descriptors and options for user selection of both the frequency and intensity of the content in the software program by non-numerical selections. Some embodiments include receiving selections of user characterizations of frequency and intensity for each of the multiple content descriptors, and mapping the user characterization selections of each of the multiple content descriptors to find a rating level for each of the multiple content descriptors. Some embodiments include determining a highest rating level for the software program by comparing all of the rating levels of all of the multiple content descriptors, and distributing the software program to certain geographies based on the determined highest rating level for the software program.

Abstract: Various embodiments are directed to a system and method for matching providers (e.g., lenders) and receivers (e.g., borrowers or purchasers) of a good (e.g., a tangible product or loan funds). The provider may specify one or more parameters of a commitment to provide the good, such as quantity and delivery specifications. Before a receiver accepts the commitment, the provider may provide a portion of the total commitment (e.g., a margin amount of a loan or a percentage of a quantity of a tangible product). A one-time or continuing commitment fee may be paid to the lender for providing the loan commitment. The commitment fee may be based on the loan commitment amount and/or the margin amount. When a borrower accepts the terms of the loan commitment, the lender may fund the remaining balance of the loan principal amount. If the lender fails to fund the remaining balance, the lender may forfeit the margin amount.

Abstract: Disclosed is encoding of natural supplement formulations (including creatine, amino acids, vitamins, minerals, oils (e.g., Omega-3), coenzymes, antioxidants, herbal extracts, dried herbs, probiotics, prebiotics and enzymes) in order to alert both consumer and producer to counterfeiting and to allow purchasers of authentic product to gain access to quality, purity and activity testing of the product. The purchaser would preferably also provide, along with its identifying information, any product complaints, adverse reaction and positive responses, and consumer interest in and reaction to different formulations and products, as well as demographic, general health and education information, and other information about the purchaser (including any information useful for marketing and future product development and selection).

Abstract: An auto repair quote platform may be provided. The platform may allow a user to enter a set of parameters and request quotes from service providers based on those parameters. Service providers may also enter parameters for matching their quotes to a request. The platform may further allow a user to accept a quote and schedule an appointment with the chosen service provider.

Abstract: An example method, set of machine readable instructions stored on a storage device, and computer system, each adapted for determining an acceptable offer price for a product or service are described herein. In the method, a reserve price is set for a desired product or service that is displayed to a user. Upon receiving an offer on the product or service by the user, a given fee may be billed to the user in response thereto. Upon the input of the offer, a determination is made as to whether or not it meets or exceeds the set reserve price. If the offer amount is less than the reserve price, the reserve price is automatically lowered by a given amount, otherwise the offered amount input by the user for the desired product or service is accepted.