Abstract: A device may receive data from a user. The device may automatically evaluate the data to identify a set of attributes that are associated with classifying one or more data entries as being associated with a threshold risk. The device may automatically evaluate the data to generate, based on an attribute, of the set of attributes, associated with a data entry, of the one or more data entries, a recommendation associated with reducing a risk associated with the data entry, such that the risk does not exceed the threshold risk. The device may provide, to the user, information identifying the recommendation.

Abstract: Systems and methods are provided for use in complying with purchase eligibility criteria defined by an authority. One exemplary method generally includes obtaining, by a computing device, a product identifier where the product identifier is indicative of at least the product and/or a product category associated with the product, and transmitting, by the computing device, at least the product identifier to the authority. The method also generally includes receiving, by the computing device, a purchase eligibility criteria associated with the product identifier and displaying, at the computing device, a valid indicator, when the product satisfies the purchase eligibility criteria, thereby permitting the consumer to purchase the product with confidence that said purchase complies with the eligibility criteria defined by the authority.

Abstract: A device may receive data from a user. The device may automatically evaluate the data to generate a set of recommendations, where each of the recommendations relates to a recommended action to be taken by the user. The device may select a recommendation from the set of recommendations based on a set of decision criteria. The set of decision criteria may relate to a feasibility of implementing the recommendation. The device may identify a plurality of users to implement the recommendation selected from the set of recommendations. The device may provide, to each respective user of the plurality of users, respective information identifying a respective portion of the recommendation that is to be implemented by the respective user.

Abstract: A system and method for workforce scheduling using dynamic capacity ranges are provided. A capacity model associates distances of locations within a service area from a depot with a series of appointment time windows such that appointment time windows having a relatively greater amount of available worker capacity are associated with a greater range of distances than appointment time windows having a relatively smaller amount of available worker capacity. After a distance from the depot to a location of an appointment to be scheduled is determined, appointment time window suggestions are automatically produced based on which appointment time windows as defined in the capacity model are associated with the location of the appointment to be scheduled. As capacity changes due to bookings, the capacity model is dynamically updated. A system and method for workforce routing, based at least in part on using dynamic capacity ranges, are also provided.

Abstract: In an example embodiment, a financial institution calendaring solution that allows a consumer to schedule an appointment for a resource (for example a person who can assist with a particular type of transaction such as a mortgage loan, car load, investment advice, etc.) at a particular location. The consumer is provided with a list of available times for the resource at the location. The consumer selects a time and an appointment is scheduled. Some embodiments are directed to an application for a consumer device and other embodiments are directed to financial institution calendaring logic that communicates with the consumer device.

Abstract: Roadway infrastructure is considered one of the largest tangible assets. Modern roadway networks have been constructed over the last century. The present day challenge in their management is determining how to allocate scarce resources among essentially different asset categories and types of needs. Roadway agencies must determine what funds to allocate by asset type, including pavement (roads), structures (bridges and culverts), safety features (guide rails), and other assets. Decisions must be made regarding their competing needs for asset replacement, rehabilitation, routine maintenance, and improvement. Funding allocation across these areas is a significantly complex problem requiring consideration of organizational capacity, objectives and constraints. The invention provides a means for treating bridges as equivalent pavement sections. It introduces an already widely accepted pavement performance measure as an overall single performance measure for pavements and bridges.

Abstract: An Automated Transaction Machine (ATM) includes a time limited secure transaction.

Abstract: A system and a method for pricing and payment process are proposed. Such a system implements many payment states that payers have a possibility of attaining while interacting with payees. Such payment states are triggered by predetermined set of conditions and some of the payment states are more beneficial to the payer than others. Many variations of the system described herein, with the notable embodiment being the payee set pure stochastic implementation. The system enhances the process of exchange by adding randomness and uncertainty to payee-payer interaction.

Abstract: A computer-based method for reporting capacity for a merchant is provided. The method is implemented using a capacity monitoring (CM) computing device, and includes receiving merchant data for a merchant via a merchant computing device and payment transaction data for a transaction performed at the merchant via a point-of-sale (POS) computing device, wherein merchant data includes an average consumer count and a total occupancy count. The method also includes calculating a peak transaction count for the merchant for a predetermined time period and a current transaction count corresponding to a current transaction time included within the predetermined time period. The method also includes determining a capacity count for the predetermined time period based on the peak transaction count, the current transaction count, and average consumer count, and transmitting the capacity count to a consumer computing device, wherein the capacity count indicates a remaining consumer capacity for the merchant.

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.).

Abstract: A settlement apparatus in an embodiment includes a settling section, a discharging section, an article detecting section, and a processing section. The settling section performs settlement processing for settlement concerning a commercial transaction. The discharging section discharges a prescribed article to a receiving section after the end of the settlement processing by the settling section. The article detecting section detects remaining of the article in the receiving section. The processing section performs, if the article detecting section detects the remaining of the article at a point in time when a prescribed time elapses after the article is discharged by the discharging section, predetermined processing for making it possible to check the remaining of the article afterwards.

Abstract: Systems and methods for providing augmented beacons are described. In one implementation, an augmented beacon server receives a definition of an augmented beacon defining a geographical area of interest, where digital content is associated with the augmented beacon. Based on a determination that a target device is within the geographical area of interest of the augmented beacon, the augmented beacon server provides an unique identifier associated with the augmented beacon to the target device, where the unique identifier comprises an indication that the digital content associated with the augmented beacon can be displayed by the target device.

Abstract: A mobile payment apparatus includes a communication unit configured to exchange payment information with a communication peer end using a radio link, a memory configured to store mobile payment software, a SE, including a first storage module and a processor, and at least one CPU configured to execute general operating system software. The processor is configured to load the mobile payment software from the memory to the first storage module and exchange the payment information with the communication unit under action of the mobile payment software. The first storage module is configured to provide memory space for executing the mobile payment software for the processor. The SE and the at least one CPU are located in a first semiconductor chip.

Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

Abstract: A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer's or mobile network provider's system and application and a host computer with networking capability.

Abstract: A method and an apparatus include: executing an application for performing payment in an electronic device including a plurality of resources; selecting one or more resources of the electronic device to be used for performing the payment among the plurality of resources at least based on the execution; and performing the payment through the application by using the one or more resources. Other embodiments are also possible.

Abstract: A computer system and method for determining a cardholder location during Card Not Present (CNP) transaction. The system comprises first, second and third databases, and a location engine comprising a processor operable by instructions stored in memory that, when executed by the processor, cause the processor, during use of the payment card during a CNP transaction with a first one of the plurality of merchants determine the location of the cardholder during the CNP transaction.

Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Abstract: A digital asset settlement method includes receiving from a first user an authorization for a conditional transaction involving a digital right, which has been digitized on a distributed ledger, matching the authorization for transaction from the first user with an authorization for transaction from at least one other user, settling the transaction between at least the first and other users if the conditional is met, and memorializing the settled transaction on the distributed ledger.

Abstract: Systems and methods for decryption of payloads are disclosed herein. In various embodiments, systems and methods herein are configured for decrypting thousands of transactions per second. Further, in particular embodiments, the systems and methods herein are scalable, such that many thousands of transactions can be processed per second upon replicating particular architectural components.

Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.

Abstract: A system for performing electronic payment validation and authorization wherein a user of an electronic device transmits transaction data to an electronic payment validation and authorization system. The same user of the electronic device may nearly simultaneously transmit a cryptographic hash of transaction data to a merchant who uses a payment processing system to process the transactions. In this example, the payment-processing system may be an electronic payment system operated by the merchant and configured to accept transaction data generated by an electronic device. A payment processing system may cryptographically sign the hash and send the resulting data to an electronic payment validation and authorization system. After both data parts are received by an electronic payment validation and authorization system, validation and decryption may be performed and new transaction data which may include the user card data may then be sent to a payment processing system.

Abstract: A digital asset settlement method includes receiving from a first user an authorization for a conditional transaction involving a digital right, which has been digitized on a distributed ledger, matching the authorization for transaction from the first user with an authorization for transaction from at least one other user, settling the transaction between at least the first and other users if the conditional is met, and memorializing the settled transaction on the distributed ledger.

Abstract: A digital asset settlement method includes receiving from a first user an authorization for a conditional transaction involving a digital right, which has been digitized on a distributed ledger, matching the authorization for transaction from the first user with an authorization for transaction from at least one other user, settling the transaction between at least the first and other users if the conditional is met, and memorializing the settled transaction on the distributed ledger.

Abstract: According to one embodiment, a system comprises a customer database operable to store a customer account associated with a customer of an enterprise. The system also comprises a transaction module operable to receive, from a third party, a request to authorize a transaction. The transaction module is further operable to authorize the transaction and generate, in response to the authorized transaction, a transaction identifier to identify the transaction. The system further comprises a temporary email generator operable to generate a temporary email address for the transaction in response to the generated transaction identifier, link the temporary email address to a customer email address, and communicate the temporary email address to the third party. Additionally, the system comprises an integration module operable to receive transaction information from the third party and store the transaction information, wherein the transaction information is associated with the temporary email address.

Abstract: A method of authorising use of a computer program only able to be used when an authorised message is received from an authorising system includes providing an authorisation system, making a request to use a computer program, signalling the request to the authorisation system, the authorisation system recording the use of the computer program and providing the authorisation message to the computer program upon receipt of the authorisation message the computer program may be used.

Abstract: Various embodiments are described herein for methods and systems for operating a transaction system for facilitating a transaction between a customer system and a merchant system. In one example embodiment, the method of operating the transaction system includes receiving a request for a digital token from the customer system, operating at least one processor to generate the digital token, transmitting the digital token to the merchant system in exchange for at least one item and validating the digital token to confirm the generation of the digital token by the at least one processor. In the various embodiments described herein, the digital token does not contain any identifying information for the customers engaged in the transactions. The digital tokens of the embodiments described herein are highly secure tokens that can be exchanged over a rather insecure network without jeopardizing the security of the transaction system.

Abstract: The invention provides a method and system for authenticating a financial transaction using a display on a customer device. The method may include outputting display data to a customer, the display data for generating a display on a display portion of the customer device, the display data including (1) at least one image, and (2) coordinates at which to display the image on the display portion. The method may further include inputting selected coordinates from the customer, the selected coordinates representing positions on the customer's display portion that the customer selected; comparing the selected coordinates, which were input from the customer, vis-à-vis the display data so as to effect an authentication determination; and outputting the results of the authentication determination to the customer.

Abstract: Systems, methods and apparatus for operating a device to complete a transaction are provided which include receiving a request to initiate a transaction with a merchant, transmitting a payment transaction initiation message to a merchant server associated with the merchant, receiving a request message from the merchant server for remote payment data, the request message including information identifying whether the merchant server supports a selected one of a first data format and an alternative data format, and providing the remote payment data to the merchant server in the selected data format for use by the merchant server to initiate authorization processing of the transaction.

Abstract: A video identification method and a computer program product thereof are disclosed. The method and the product are applied in a device which has a camera lens, a microphone and a monitor.

Abstract: Various systems for managing chargeback, retrieval, and other requests from the card associations, issuing banks, merchant banks, or other financial institutions requiring a merchant's response are disclosed herein. Such systems may include various forms of hardware, software and manual processes intended to: (a) retrieve transaction requests; (b) retrieve merchant's transaction data; (c) gather merchant's data and compile with normalized transaction request data; (d) create response cases; (e) provide merchant notifications; and (f) transmit responses to requestors. With the present invention, these often independent and incompatible processes, including their non-standard data formats, are normalized and compiled into compatible formats that integrate and facilitate the automation of substantially all aspects of a given chargeback process in one embodiment.

Abstract: Various systems for managing chargeback, retrieval, and other requests from the card associations, issuing banks, merchant banks, or other financial institutions requiring a merchant's response are disclosed herein. Such systems may include various forms of hardware, software and manual processes intended to: (a) retrieve transaction requests; (b) retrieve merchant's transaction data; (c) gather merchant's data and compile with normalized transaction request data; (d) create response cases; (e) provide merchant notifications; and (f) transmit responses to requestors. With the present invention, these often independent and incompatible processes, including their non-standard data formats, are normalized and compiled into compatible formats that integrate and facilitate the automation of substantially all aspects of a given chargeback process in one embodiment.

Abstract: Methods and arrangements for a method of monitoring a ticket resolution process, said method including: utilizing at least one processor to execute computer code that performs the steps of: detecting, at a device, a ticket resolution initiation; capturing, based on the detection, user activity; identifying at least one work activity within the captured user activity; and storing, in a storage device, the at least one work activity. Other variants and embodiments are broadly contemplated herein.

Abstract: In one example, a system is provided for implementing a lighting infrastructure application framework and revenue model related to a lighting infrastructure. An example system comprises a service platform computing device configured to perform at least one of distributing a software to the lighting infrastructure, calculating a fee or a revenue, or processing data received from lighting node platform devices.

Abstract: Described herein are systems and methods for stakeholder analysis, and particularly for infrastructure project stakeholder analysis. An analysis engine models stakeholder data, such as social media comments, in the form of subject-sentiment dyads. A combination of the influence level of the person that generated the sentiment, the subject, and sentiment of the sentiment data provide a numerical model of the social media data as a data-point in the semantic space of the analysis. An aggregation of all data-points within a specific time interval then results in the profile of project-related discussions over that time period. Additionally, a knowledge engine provides a project-proprietary framework for receiving and classifying project-related stakeholder data.

Abstract: Embodiments include predicting transactions by an entity and identifying promotions to offer the entity. Aspects include parsing a plurality of event records corresponding to a plurality of entities respectively. Aspects also include identifying a sequence of events corresponding to the entity and discretizing time durations and event values of the sequence of events into discrete symbolic values. Aspects further include generating a temporal pattern of events in the sequence of events, the temporal pattern including a sequence of transaction-symbols representative of the time duration and the event value of the events in the sequence of events of the entity and predicting a next transaction based on the temporal pattern.

Abstract: A method transforms ratings data for evaluation items to response data that indicates an approach, if any, toward the evaluation items and avoidance from the items. Approach entropy values and avoid entropy values may be generated for the items based on the response data. A relative preference order for the items may be determined from the generated approach and avoid entropy values.

Abstract: A statistical data generation server device includes a server reception unit, an accumulation unit that accumulates an operation history of products corresponding to a user operation received by the server reception unit, a population generation unit that generates a population for generating statistical data, the population being a population consisting of the products, on the basis of the operation history accumulated in the accumulation unit, a design feature amount acquisition unit that acquires a design feature amount obtained by analyzing an image of the product for each product included in the population generated by the population generation unit, and a statistical data generation unit that generates statistical data obtained by classifying the products on the basis of the design feature amount acquired for each product, the statistical data being statistical data indicating a frequency distribution obtained by classifying the products according to the design feature amount.

Abstract: Methodologies, systems, and computer-readable media are provided for generating procurement aid recommendations and controlling a graphical user interface (GUI) of an electronic display device to render the a aid recommendations in response to a computational analysis of consumer activity data and estimated consumer procurement times. A procurement aid recommendation tool can receive store identification information via the GUI. A desired service level corresponding to a specific store can also be received. An estimated procurement time corresponding to consumers within the specific store can be computed, based in part on consumer activity data collected at the store. A minimal number of procurement aids required to meet the desired service level is computed, based in part on the estimated procurement time of the consumers. The GUI is configured to generate a graphical indication of the minimal number of procurement aids required to meet the desired service level at the specific store.

Abstract: Edits on a content item, such as a document, are divided into microtasks. The microtasks associated with a document can be automatically identified based on a workflow or can be identified by a user associated with the content item or an administrator. At a later time, the user can complete the microtasks for a content item using an application associated with their smart phone or tablet. The application may present the microtasks in a game-like environment where the user can compete with other users based on metrics such as number of microtasks completed in a day or fastest completion time. In addition, the user can earn rewards such as badges, coupons, or credits by completing microtasks. In this way, users can use time that would have been wasted playing games to complete their content items, while still experiencing some of the fun and competition associated with the games.

Abstract: In an illustrative system and method for disbursing resources includes (i) receiving a user request for a coupon, the user request including user criteria; (2) matching the received user criteria with a target audience criteria; (3) transmitting a coupon to a user, the coupon including a unique password based upon a match of the received user criteria and the target audience criteria; (4) receiving a request for registration of the unique password of the coupon with the user; (5) receiving a request for validation of the unique password of the coupon; and (6) authorizing the user to access the network resource associated with the coupon upon validation of the unique password.

Abstract: A system, method and computer program product for managing and/or presenting supply-chain data is presented. In one embodiment, the system includes a database for storing the supply-chain data and a server. The server is configured to present multiple role-specific user interfaces to multiple users. The multiple role-specific user interfaces include a distributor user interface, a customer user interface, and a vendor user interface presenting corresponding views. One or more distributor views include product information, pricing information, vendor information, and customer information. One or more customer views include the product information, the pricing information, and the vendor information. One or more vendor views include the product information and the customer information. The different views indicate, for example, rebate-eligible orders of a product by different distributors or customers, or multiple orders of a common product from different distributors or customers.

Abstract: A network based indoor positioning and geofencing system and method is described. Beacons are disposed within a physical premises and each beacon transmits a signal containing identifying information. A networked indoor positioning module receives measured reference points that include a measured beacon identifier and a measured signal strength. The networked indoor positioning module uses the measured reference points to generate calculated signal strength values for at least one detected beacon. At least one geofence is associated with the physical premises and the geofence includes some of the calculated signal strength values. A wireless device receives a beacon identifier and a beacon signal strength, when the wireless device is in or near a geofence associated the physical premises.

Abstract: Systems and methods for a payment system may include: receiving, from a first party, a predetermined payment date and amount for goods or services provided by a second party; publishing, by a processor, the predetermined payment date and amount for viewing by the second party; calculating, by the processor, at least one reduced payment amount option for at least one pre-payment date, the pre-payment date in advance of the predetermined payment date calculated based at least on a discounting table; publishing, by the processor, one reduced payment amount; receiving, by the processor, a selection of one of the reduced payment amount options from a second party, wherein the selection comprises a selected reduced payment amount and one of the at least one pre-payment date; and facilitating payment from the first party to the second party according to the selected payment amount and date.

Abstract: A computer-based system for presenting brand integration, embedded marketing, product placement, sponsorships and other branded entertainment analysis and suggested opportunities is disclosed using a brand integration matching server system, connected to a public network, wherein the brand integration matching server system is configured to: receive a brand integration seeker's data and generate a brand integration seeker's suggested opportunities, receive a brand marketer's data and generate a page, receive an entertainment producer's data and generate a page; and calculate a probability value generated from correlating the brand marketer's page with the entertainment producer's page, such correlation resulting in a potential match if the probability value meets or exceeds a predetermined threshold; in the event of a potential match, present the data associated with the entertainment producer to the brand marketer based on one or more of the probability values, and present the data associated with the brand

Abstract: A method, an apparatus, and a computer readable medium of recommending contents. The method includes receiving, by a computer, at least one of user input and contextual input, wherein the contextual input corresponds to a plurality of arms, calculating, by the computer, a plurality of reward values for each of the plurality of arms using a plurality of individual recommendation algorithms such that each of the plurality of reward values is generated by a respective individual recommendation algorithm from the plurality of individual recommendation algorithms, based on the received input, calculating, by the computer, an aggregated reward value for each of the plurality of arms by applying linear program boosting to the plurality reward values for the respective arm; and selecting one arm from the plurality of arms which has greatest calculated aggregated reward value; and outputting, by the computer, contents corresponding to the selected arm.

Abstract: Values of a target metric, and amounts spent on respective different types of channels for marketing an offering, are received. A first representation provides a response of the target metric to an amount spent on a marketing campaign of each of the different types of channels. A second representation provides a response of the target metric to time elapsed since the marketing campaign of each of the different types of channels. Models of the target metric for the corresponding different types of channels are determined using the first representations and the second representations.

Abstract: A method for selecting audience messages for an event based on audience analytics. A content management computing device determines a set of geographical regions viewing rights for an event were purchased, and in what quantity based on a first set of transaction data. The content management computing then receives a second set of transaction data associated with a set of consumers and generates one or more microsegment data sets based on the second set of transaction data. The microsegments are subdivided based on at least the set of geographical regions. The content management computing device then generates an audience profile based on the microsegment data sets. The content management computing device then receives a plurality of audience messages for the event, and selects one or more audience messages from the plurality of audience messages based on the audience profile.