Patents Issued in April 20, 2017
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Publication number: 20170109728Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventors: James ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
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Publication number: 20170109729Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventors: James ZARAKAS, Theodore MARKSON, Adam KOEPPEL, Kevin KELLY, Brian BRIGGMAN, Saleem SANGI, David WURMFELD, Tyler LOCKE, Karla ESCALANTE
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Publication number: 20170109730Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antenna (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.Type: ApplicationFiled: December 30, 2016Publication date: April 20, 2017Inventors: Tyler LOCKE, James ZARAKAS, David WURMFELD, Adam KOEPPEL, Kevin KELLY
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Publication number: 20170109731Abstract: A method for selecting consumers for targeted messages is described, the method comprising the steps of generating a token for representing a payment card number, and storing in a token table, an association of a wallet service provider ID, a digital wallet ID, the payment card number and the token. The method further comprises the steps of analyzing transaction data in a transaction table, the transaction data comprising transactions, and determining that the token is inactive when at least one of a set of predetermined conditions is satisfied. The method further comprises the steps of identifying the digital wallet ID and the wallet service provider ID that is associated with the inactive token and providing the identified digital wallet ID to a digital wallet service provider server having the identified wallet service provider ID, the identified digital wallet ID associated with the consumer to be selected for targeted messages.Type: ApplicationFiled: October 13, 2016Publication date: April 20, 2017Inventor: PRAVIN PAREKH
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Publication number: 20170109732Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive token usage information for one or more tokens. The processor is configured, when executing the instructions, to determine one or more characteristics of the token usage information for a particular token of the one or more tokens, and generate, based on the determined characteristics, one or more notifications to a first user device associated with the particular token.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Andrew S. Heiman, Phillip W. Mork, Zafer Mohamed, William J. Wied
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Publication number: 20170109733Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a server, a token for verification in a transaction. The processor is configured, when executing the instructions, to compare information associated with the transaction with one or more token usage rules associated with the token, and determine, based on the comparison, whether the transaction may be completed using the token.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Andrew S. Heiman, Phillip W. Mork, Zafer Mohamed, William J. Wied
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Publication number: 20170109734Abstract: Distributed crypto currency chargeback systems and methods include at least one system provider device receiving, through a network from a payer device associated with a payer, a chargeback report associated with a first transaction of a plurality of transactions performed using a distributed crypto currency, where the first transaction involves the payer and a payee. The at least one system provider device publishes the chargeback report in a chargeback ledger. The at least one system provider device receives, through the network from a payee device associated with the payee subsequent to publishing the chargeback ledger including the chargeback report, a chargeback response associated with the first transaction. The at least one system provider device then publishes the chargeback response in the chargeback ledger.Type: ApplicationFiled: December 30, 2015Publication date: April 20, 2017Inventor: Yashovardhana S. Kote
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Publication number: 20170109735Abstract: The Computationally Efficient Transfer Processing, Auditing, and Search Apparatuses, Methods and Systems (“SOCOACT”) transforms smart contract request, crypto currency deposit request, crypto collateral deposit request, crypto currency transfer request, crypto collateral transfer request inputs via SOCOACT components into transaction confirmation outputs. Also, SOCOACT transforms transaction record inputs via SOCOACT components into matrix and list tuple outputs for computationally efficient auditing. A blockchain transaction data auditing apparatus comprises a blockchain recordation component, a matrix Conversion component, and a bloom filter component.Type: ApplicationFiled: July 14, 2016Publication date: April 20, 2017Inventors: Xinxin Sheng, Thomas McGuire, Amanda Chiu, Jonathan Hromi, Raghav Chawla
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Publication number: 20170109736Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a merchant server, a request to generate a token associated with user information for storage on the merchant server. The processor is configured, when executing the instructions, to generate, based on the request, a token associated with the merchant server and the user information, and generate a token record associated with the generated token.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Andrew S. Heiman, Phillip W. Mork, Zafer Mohamed, William J. Wied
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Publication number: 20170109737Abstract: The present invention relates to a payment service which, in particular, generates an integrated code by randomizing user information and additional information associated with the purchase of a plurality of products, and performs payment by applying the integrated code. Accordingly, when a customer purchases a plurality of products at a certain store, payment for the products can be conducted simultaneously using the integrated code and thus is convenient. Further, it is possible to enhance security by providing user information and the additional information after randomization thereof, and it is also possible to pay online for an item which has been purchased offline, thereby providing high payment compatibility. In addition, a one-click payment service using an integrated code for a plurality of products is possible.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventor: Sebyung KWAK
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Publication number: 20170109738Abstract: A thin-client access card has a card body with partial or fully emissive magnetic data tracks. An emissive element is disposed in the card body under the location of the legacy magnetic data tracks. An electronic signal conditioner converts audio signals from a mobile device into magnetic data applied to the emissive element. A swipe sensor detects when the thin-client access card is being swiped by a legacy card reader, and triggers an output of magnetic data from the emissive element while proximal to the POS reader head. A cable attaches the thin-client access card as a peripheral to the mobile device with an audio output jack.Type: ApplicationFiled: December 30, 2016Publication date: April 20, 2017Inventor: Kerry D. Brown
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Publication number: 20170109739Abstract: A contemplated method includes: utilizing at least one processor to execute computer code that performs the steps of: receiving, from an application installed on the information handling device, a request to access a service provided by a service provider; providing, to the application, access to the requested service; and receiving, from the application, payment for provided access to the requested service, wherein information is received from the information handling device as a credit for at least a portion of the payment; the information being received via: sending, to the application, a context information request, wherein the context information request comprises a request for context information associated with the information handling device; sending, to the application, a request for information, wherein the request comprises at least one suggestion for information to be provided by the information handling device and wherein the at least one suggestion for information is based on received context inType: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Vijay Ekambaram, Sarbajit K. Rakshit
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Publication number: 20170109740Abstract: Methods and devices for of conducting a payment transaction between a mobile terminal and a payment terminal in communication with a payment backend system involve: (a) sending a unique mobile terminal identifier from the mobile terminal to the payment backend system; (b) returning a cryptogram from the payment backend system to the mobile terminal, wherein the cryptogram comprises a unique transaction identifier in encrypted form; (c) transforming the cryptogram into a proximity payment token such that the proximity payment token contains the unique transaction identifier in encrypted form and transmitting the proximity payment token to the payment terminal via a proximity communication channel; (d) forwarding a transaction record including the unique transaction identifier in encrypted form and the amount of the payment transaction from the payment terminal to the payment backend system; and (e) decrypting the unique transaction data identifier in encrypted form and processing the payment transaction.Type: ApplicationFiled: June 12, 2015Publication date: April 20, 2017Applicant: GIESECKE & DEVRIENT GMBHInventors: Matthias BESCH, Xiaomin LI, Xiaodong ZHANG
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Publication number: 20170109741Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a token to complete a transaction, send, to an issuer server, a request to verify the received token, and receive, in response to the request to verify the received token, translated information associated with the token. The processor is configured, when executing the instructions, to process the transaction using the translated information.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Andrew S. Heiman, Phillip W. Mork, Zafer Mohamed, William J. Wied, Nikhilesh C. Jannu
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Publication number: 20170109742Abstract: Embodiments described herein disclose a mobile device system for providing access to a subset of data within an application executed by the mobile device. During a first time period, when the mobile device is connected to a network, authentication information corresponding to a user account with a payment services provider is received. A biometric authentication signature and password are received in response to a request to enable access to a subset of data associated with the account. The subset of data is encrypted with a key generated from the biometric signature and password and stored. At a second time period, when the mobile device is disconnected from a network, the subset of data is decrypted using a key generated from an entered biometric signature and password.Type: ApplicationFiled: October 20, 2015Publication date: April 20, 2017Inventor: Srinivasan Varadarajan
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Publication number: 20170109743Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.Type: ApplicationFiled: December 30, 2016Publication date: April 20, 2017Inventors: James ZARAKAS, Theodore MARKSON, Adam KOEPPEL, Kevin KELLY, Brian BRIGGMAN, Saleem SANGI, David WURMFELD, Tyler LOCKE, Karla ESCALANTE
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Publication number: 20170109744Abstract: An asset trading system utilizing a distributed ledger and configured to: when a creation request to create a digital fund token representing at least one share of a fund having a plurality of different assets (i) is received, (ii) is electronically signed with a private key associated with a first addressed account, and (iii) indicates a composition of the at least one share of the fund: place the plurality of different assets represented by the at least one share of the fund into an escrow account; create the digital fund token, wherein the digital fund token indicates the composition of the share of the fund; and record the creation of the digital fund token on a distributed ledger.Type: ApplicationFiled: December 30, 2016Publication date: April 20, 2017Inventors: Alec Wilkins, Robert Christensen, John Wesley Welborn, John Tabacco, Glen Nickle
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Publication number: 20170109745Abstract: A user can request provisioning of account information for an account to a plurality of resource providing entities. The account may be a new or existing account issued by an authorization computer. The authorization computer may prompt the user to select one or more resource providing entities to which to provision a token associated with the account. Processor server computer may then tokenize the account information associated with the account by determining a token for each resource providing entity selected by the user. In some cases, a token may be provisioned to an already existing account or profile (e.g., account on file) associated with a resource providing entity. In other cases, an account or profile associated with a resource providing entity may not yet exist and thus may be created before a token may be provisioned. Subsequently, the user may utilize provisioned tokens to conduct transactions.Type: ApplicationFiled: October 17, 2016Publication date: April 20, 2017Inventors: Mohammad Al-Bedaiwi, Meredith Altenhofen, Jason Blackhurst
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Publication number: 20170109746Abstract: A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.Type: ApplicationFiled: October 18, 2016Publication date: April 20, 2017Applicant: MASTERCARD ASIA/PACIFIC PTE LTDInventors: Krishnadas MOHANDAS, Donghao HUANG, Akshita GOYAL, Yulia SURYA, Yong How CHIN
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Publication number: 20170109747Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventor: Zafer Mohamed
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Publication number: 20170109748Abstract: Distributed crypto currency chargeback systems and methods include at least one system provider device receiving, through a network from a payer device associated with a payer, a chargeback report associated with a first transaction of a plurality of transactions performed using a distributed crypto currency, where the first transaction involves the payer and a payee. The at least one system provider device publishes the chargeback report in a chargeback ledger. The at least one system provider device receives, through the network from a payee device associated with the payee subsequent to publishing the chargeback ledger including the chargeback report, a chargeback response associated with the first transaction. The at least one system provider device then publishes the chargeback response in the chargeback ledger.Type: ApplicationFiled: April 13, 2016Publication date: April 20, 2017Inventor: Yashovardhana S. Kote
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Publication number: 20170109749Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: ApplicationFiled: December 22, 2016Publication date: April 20, 2017Inventor: Sharon A. Rosano
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Publication number: 20170109750Abstract: A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and an issuer of payment media via an issuer device over the network, the payment media being issued to the user by the issuer, receiving user instruction over the network to link the payment media to a user account related to the user, prompting the user over the network to input a secure password known only by the issuer and the user, receiving the secure password from the user over the network, verifying that the payment media is owned by the user over the network via a secure protocol, returning a response to the user related to verification of the payment media, and storing payment media verification information.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventors: Nitesh Singhal, Parijat Sinha, Nitin Agarwal, Muthukumar Murugesan
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Publication number: 20170109751Abstract: A system, apparatus, method, and machine readable medium are described for performing authentication over multiple channels. For example, one embodiment of a method comprises: performing authentication over a network with an authentication service to authenticate a client; responsively generating a token at the authentication service, the token including identification information for the client, a service, and a type of authenticator used for the authentication, the token further including verification data; transmitting the token to the client; transmitting the token from the client to the service, the service using the verification data to verify the token and allowing one or more transactions with the client in accordance with a policy based, at least in part, on the type of authenticator used for the authentication.Type: ApplicationFiled: May 2, 2014Publication date: April 20, 2017Inventors: Phillip Dunkelberger, Rolf Lindemann
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Publication number: 20170109752Abstract: Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (MPI) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (AAV) from an issuer access control server (ACS). The MPI application then transmits a purchase transaction authorization request message to a payment gateway that includes the enhanced AAV, and receives a purchase transaction authorization response. The merchant server computer displays the purchase transaction authorization response on a merchant webpage and stores it along with the enhanced AAV in association with the cardholder data in an MPI database.Type: ApplicationFiled: October 15, 2015Publication date: April 20, 2017Inventors: Steve Hubbard, Sheryl J. Lock
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Publication number: 20170109753Abstract: The present invention relates to a membership card rental service method and apparatus for renting a user's membership card, stored in a user terminal having short-range wireless communication, to other user terminal. The user terminal according to an embodiment of this invention has the short-range wireless communication function and may include a rental service module configured to transmit membership card information to other user terminal through the short-range wireless communication function in response to a membership card rental request, to switch a membership card to an inactivated mode at the user terminal for use of the membership card at the other user terminal, and to switch the inactivated mode to an activated mode when the membership card used at the other user terminal is withdrawn, and a membership card managing module configured to manage the membership card information and an activation or not of the membership card.Type: ApplicationFiled: December 29, 2016Publication date: April 20, 2017Inventor: Jongwon WOO
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Publication number: 20170109754Abstract: This disclosure is directed to methods and systems for managing difficulty of use and security for a transaction. A transaction manager operating on a computing device may determining a range of possible steps for a transaction comprising security measures available for the transaction. The transaction manager may identify a threshold for a security metric to be exceeded for authorizing the transaction, the security metric to be determined based on performance of steps selected for the transaction. The transaction manager may select for the transaction at least one step from the range of possible steps, based on optimizing between (i) a difficulty of use quotient of the transaction from subjecting a user to the at least one step, and (ii) the security metric relative to the determined threshold.Type: ApplicationFiled: December 29, 2016Publication date: April 20, 2017Inventor: Keith J. Hanna
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Publication number: 20170109755Abstract: 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 REID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventor: Gregory M. GANNON
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Publication number: 20170109756Abstract: A user unsubscription prediction method and apparatus includes obtaining service consumption feature data, position activity feature data, and social network feature data of a user within a first preset time period, where the position activity feature data refers to data related to communication between the user and each base station within the first preset time period, and the social network feature data refers to data related to communication between the user and another user in a social network within the first preset time period, and inputting the obtained service consumption feature data, position activity feature data, and social network feature data to a pretrained classifier for calculation and outputting a calculation result, where the calculation result is a user unsubscription prediction result.Type: ApplicationFiled: December 28, 2016Publication date: April 20, 2017Inventors: Jia Zeng, Mingxuan Yuan, Wenyuan Dai
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Publication number: 20170109757Abstract: An analysis is performed on first and second product information to determine a relationship between a first product and a second product. In response to a first notification from a first backend system, a first message is transmitted to a mobile device of the user indicating that the change of a first activity is needed. It is determined whether a modification of a second activity is needed based on the relationship information of the first product and the second product and in response to determining that the modification of the second activity is needed, a second message is transmitted to the mobile device, indicating a possible modification of the second activity and offering a list of one or more options to modify the second activity. A live communications session is established between the user and a support agent of the server to discuss the possible modification of the second activity.Type: ApplicationFiled: December 29, 2016Publication date: April 20, 2017Inventors: Kenneth D. Tuchman, Bruce A. Sharpe, Henry D. Truong, Alan B. Rahn
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Publication number: 20170109758Abstract: Embodiments include method, systems and computer program products for analysis of customer feedback on an application executing on a distributed computational system. Aspects include receiving feedback from a user of the application, wherein the application includes a plurality of components and wherein at least two of the plurality of components are provided by separate service providers in the distributed computational system. Aspects also include identifying one or more of the plurality of components that the feedback corresponds to and forwarding the feedback to one or more of the plurality of service providers associated with the one or more of the plurality of components identified.Type: ApplicationFiled: October 14, 2015Publication date: April 20, 2017Inventors: GREGORY J. BOSS, CHRISTOPHER J. DAWSON, RICK A. HAMILTON, II, JENNY S. LI
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Publication number: 20170109759Abstract: A system for digitally verifying credential sets and its method of use are provided. A credentials set is made up of a number of credentials, each linked to a particular Entity. If all of the credentials are validated and verified, then the credentials' status identifier will be set to a value. If the various status identifiers meet a predetermined value, the set will be verified and digitally signed.Type: ApplicationFiled: October 14, 2015Publication date: April 20, 2017Inventor: Eric R. Korb
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Publication number: 20170109760Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for tracking offline purchases. One of the methods includes receiving information from a first user device identifying a requested commerce object, a geographical area, and an advertising identifier, identifying a plurality of sources of available inventory data for physical retail locations, searching the plurality of sources to determine one or more physical retail locations that have available inventory of the commerce object, serving instructions for a presentation of a user interface to a second user device, providing instructions for presentation of a prompt regarding whether the requested commerce object was purchased, receiving a response indicating that the requested commerce object was purchased, and storing data indicating the purchase in a memory with the advertising identifier.Type: ApplicationFiled: February 12, 2016Publication date: April 20, 2017Inventors: David Jeffrey Cumberland, Natasha Festa, Nelson Miguel Flores, Edward Allen Stevens, Jera Vincelli
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Publication number: 20170109761Abstract: A networking system for real-time generation of a global business ranking based upon country specific data retrieved from at least a plurality of countries, the system comprising: a plurality of country data collection systems, wherein the country specific data is collected from a plurality of country sources; a transformation engine which receives and categorizes the collected data into at least one selected from the group consisting of: country trade data, country financial data and country derogatory information; a data/attribute repository which merges the country trade data, country financial data and/or country derogatory information with data from a global database, macro score data and/or signal score data to form merged data, and sorts the merged data into at least one selected from the group consisting of: global trade data, global financials data and global derogatory information; and a global business ranking processor which retrieves any of the global trade data, global financials data and/or gloType: ApplicationFiled: October 12, 2016Publication date: April 20, 2017Inventors: Alla KRAMSKAIA, Nipa BASU, Jingtao Jonathan YAN, Karolina KIERZKOWSKI, Nalanda MATIA, Joseph ANDREACCHI, Peter F. KINKEL
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Publication number: 20170109762Abstract: Provided is an omni-channel marketing curation system based on big data including a data collecting unit configured to collect behavior log data of a customer in an online store and behavior log data of the customer who visits an offline store; a big data storing unit configured to process, in real time, the log data collected in the data collecting unit; a log verbalization converting unit configured to analyze the customer's online/offline behavior log data, convert the analyzed result into one of a plurality of pre-defined verbal expressions, which indicate degrees of customer's reactions to a product, to store the converted result in the big data storing unit; a first attribute setting unit configured to receive customer's attribute information from a system user so as to create a profile for a persona according to the attribute; a persona generating unit configured to group, into one persona, customers corresponding to the attribute information received by the first attribute setting unit, generate one oType: ApplicationFiled: October 17, 2016Publication date: April 20, 2017Inventor: Yeon Tae KIM
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Publication number: 20170109763Abstract: Systems and methods provide online tools for helping a business improve its online presence. A contact importance score rates a contact's engagement with business via purchases and online contact, and may further gauge the contact's engagement with other contacts and potential contacts. An engagement score rates a business' engagement with online visitors with respect to industry best practices. A method of generating the engagement score may include providing recommendations to the business for improving the engagement score. A method for recommending online content can identify public and privately-created content that is likely to engage a business' users. A website builder can include a tool for aligning content on the website. The website builder can further include a tool for creating a video for promoting the business.Type: ApplicationFiled: December 27, 2016Publication date: April 20, 2017Inventors: Justin Tsai, Josh Berk, Rajatish Mukherjee
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Publication number: 20170109764Abstract: A method for mobility demand modeling uses passenger demand data and geographical data for a transportation network. The demand data includes, for each of a plurality of stops in the transportation network, a passenger demand for each of a plurality of time intervals. The geographical data includes, for each of the plurality of stops in the transportation network, geographical features representing local points-of-interest. A dependence between the demand data and the geographical data is modeled by learning first and second mapping functions for embedding the demand data and the geographical data into the same latent space. The first and second mapping functions are learnt so as to optimize a correlation between the passenger demand data and the geographic data in the latent space. From the model, a prediction of passenger demand or of local point of interest for a proposed stop in the transport network can be generated.Type: ApplicationFiled: October 19, 2015Publication date: April 20, 2017Applicant: XEROX CORPORATIONInventors: Abhishek Tripathi, Guillaume M. Bouchard, Frédéric Roulland
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Publication number: 20170109765Abstract: Computer-implemented methods for providing real-time customer, patient or accountability, security, consumer and employee metrics include: providing at least one strategic goal; providing at least one metric associated with the at least one strategic goal; providing at least one communication channel between a customer and a company; providing at least one communication code; utilizing the at least one communication code to access the at least one communication channel; providing a survey tool to the customer using the at least one communication channel; capturing data from the survey tool in a database; converting the captured data to the at least one metric; and providing the at least one metric on a dashboard application. An executable software application that implements the computer-implemented method disclosed is also contemplated.Type: ApplicationFiled: December 23, 2016Publication date: April 20, 2017Applicant: Strategic Communications Group Inc.Inventors: Shirley Dreifus, Farhan Ali
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Publication number: 20170109766Abstract: The present invention is directed to utilizing monitoring devices (200) for determining the demographics of individuals passing a particular geographic location. The monitoring devices (200) are distributed to a number of study respondents. The monitoring devices (200) track the movements of the respondents whose demographics are known. While various technologies may be used to track the movements of the respondents, at least some of the location tracking of the monitoring devices (200) utilize a satellite (105) location system such as the global positioning system (“GPS”). Geo data (movement data) collected by the monitoring devices is analyzed by a post-processing server (400) that determines the demographics of the study respondents that pass a chosen geographic location.Type: ApplicationFiled: November 1, 2016Publication date: April 20, 2017Applicant: RDPA, LLCInventors: Roger D. Percy, Kay S. Burke, James W. Baker, R. Cameron Percy
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Publication number: 20170109767Abstract: A real-time dynamic pricing system and method is provided, which includes a user interface, scraping and analytics components, and a batch processing server. Using the pricing system, a seller defines a product that is sold via the seller's webstore and another webstore that competes with it. The pricing system then configures a scraper based on the competing webstore's site layout. The scraper, executing in the cloud, determines whether the product is offered for sale through the competing webstore by scraping data from one of its webpages. If the scraper finds an exact product match, the scraper stores the data attributes in a data store accessible to the dynamic pricing system, and creates a price data point from the data attributes. Once the pricing system has compiled sufficient pricing data, the pricing system estimates an optimal price for the product by applying a user-specified pricing rule to the pricing data.Type: ApplicationFiled: June 12, 2015Publication date: April 20, 2017Inventors: Arie Shpanya, David R. Brecher
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Publication number: 20170109768Abstract: Disclosed are embodiments for the aggregation and analysis of vehicle prices via a geo-specific model. Data may be collected at various geo-specific levels such as a ZIP-Code level to provide greater data resolution. Data sets taken into account may include demarcation point data sets and data sets based on vehicle transactions. A demarcation point data set may be based on consumer market factors that influence car-buying behavior. Vehicle transactions may be classified into data sets for other vehicles having similar characteristics to the vehicle. A geo-specific statistical pricing model may then be applied to the data sets based on similar characteristics to a particular vehicle to produce a price estimation for the vehicle.Type: ApplicationFiled: December 27, 2016Publication date: April 20, 2017Inventors: Michael D. Swinson, Param Pash Kaur Dhillon, Thomas J. Sullivan, Xingchu Liu
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Publication number: 20170109769Abstract: Embodiments of sales generation, including sales generation employing reverse lead generation using vehicle data systems and methods, are presented herein. In particular, in certain embodiments a user may utilize the vehicle data system to obtain pricing data corresponding to a desired vehicle configuration. When the user is presented with the pricing data associated with the specified vehicle configuration the user may additionally be presented with an upfront price offered by a dealer, where by providing their personal information the user may obtain the name of the dealer offering the upfront price and may additionally be offered the opportunity to purchase the desired, or similar, vehicle at the upfront price.Type: ApplicationFiled: December 29, 2016Publication date: April 20, 2017Inventors: Philip Inghelbrecht, Scott Painter
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Publication number: 20170109770Abstract: A method and system for automatically terminating a logout session for a restricted access system by determining that an authorized user has left the vicinity of the restricted access system. The authorized user preferably carries a wireless transmitter which transmits an authorization signal that is also used for permitting access to the restricted access system. When the authorized user leaves the vicinity of the restricted access system after logging in, the signal is no longer received by a wireless receiver or too weak of a signal, such that an access control system in communication with the wireless receiver automatically causes the restricted access system to initiate a logout action in order to prevent or reduce the chance of an unauthorized user gaining access to the restricted access system. The restricted access system can be a rewards tracking system, such as, but not limited to, a rewards tracking system for a gaming machine or gaming table.Type: ApplicationFiled: December 9, 2016Publication date: April 20, 2017Inventors: BRUCE HOWARD KUSENS, MICHAEL KUSENS
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Publication number: 20170109771Abstract: A system is disclosed for tracking and assigning credit to a direct seller in a multi-level marketing organization for reorders of a product. Products are tagged/labeled with a unique identifier that is used in the reorder process. A database associates the unique identifier with the seller and based on that association, the seller is credited with the reorder sale. The unique identifier may be part of a QR code, RFID tag, or other mechanism for encapsulating the unique identifier for use during the reorder process. The unique identifier may also be used for additional product tracking/monitoring and for fraud prevention.Type: ApplicationFiled: October 13, 2016Publication date: April 20, 2017Applicant: Amway Corp.Inventors: Aaron L. Sundman, Thomas D. Paasche
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Publication number: 20170109772Abstract: A system is disclosed for tracking and assigning credit to a direct seller in a multi-level marketing organization for reorders of a product. Products are tagged/labeled with a unique identifier that is used in the reorder process. A database associates the unique identifier with the seller and based on that association, the seller is credited with the reorder sale. The unique identifier may be part of a QR code, RFID tag, or other mechanism for encapsulating the unique identifier for use during the reorder process. The unique identifier may also be used for additional product tracking/monitoring and for fraud prevention.Type: ApplicationFiled: October 13, 2016Publication date: April 20, 2017Applicant: Amway Corp.Inventors: Aaron L. Sundman, Thomas D. Paasche
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Publication number: 20170109773Abstract: A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.Type: ApplicationFiled: October 16, 2015Publication date: April 20, 2017Inventors: Deepankar Bhagat, Mark N. Savoye, Prashant Sharma
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Publication number: 20170109774Abstract: A loyalty transaction system and method comprise a member enrollment confirmation module that determines whether a store customer is a member of a loyalty program offered by the store; a channel determination module that communicates with a database to identify one or more channels available to the store customer for acquiring an item of interest, and determines whether the store customer as a member of the loyalty program uses the one or more channels to acquire the item of interest, the database storing records including data related to the one or more channels, associated customer purchase data, and incentive data corresponding to the channels; a matching module that processes the database records to determine a relationship between the item of interest and the one or more channels for acquiring the item of interest; a point recordation device that associates an incentive with the one or more channels when the item of interest is acquired; and a price comparator that outputs to an electronic device informaType: ApplicationFiled: October 14, 2016Publication date: April 20, 2017Inventors: Chandrashekar Natarajan, Donald R. High, Dhaval Gat
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Publication number: 20170109775Abstract: A distribution unit (101) distributes to a customer a coupon for which a valid term is set. Upon receipt of an inquiry about the valid term set for the coupon from the customer to whom the coupon was distributed, an extension unit (102) acquires the valid term set for the coupon from a distributed coupon DB (122). Then, if the acquired valid term has elapsed, the extension unit (102) extends the valid term set for the coupon. In addition, the extension unit (102) determines the period of the extension based on at least a total number or total value of coupons which were distributed to other customers and for which valid terms that have not yet elapsed were set. A reply unit (103) replies to the inquiry with the valid term set for the coupon.Type: ApplicationFiled: March 27, 2014Publication date: April 20, 2017Applicant: Rakuten, Inc.Inventors: Shigeru ITAHASHI, Satoshi FUJITA
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Publication number: 20170109776Abstract: A method for generation of dynamically priced discount offers for perishable inventory to vendor-selected customer segments includes conveying, by a vendor client device on the premises of a vendor, to a server, a first message identifying an oversupply of perishable inventory. The method includes directly transmitting, by local transmitter coupled to the vendor client device, to a local receiver coupled to a customer client device, a second message identifying the vendor client device. The method includes receiving, by the vendor client device, from the customer client device, a third message redeeming a discount at the vendor.Type: ApplicationFiled: October 12, 2016Publication date: April 20, 2017Inventor: Marik Marshak
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Publication number: 20170109777Abstract: For each product category offered by an on-line retailer, the most popular or biggest selling products are identified. The on-line retailer competes with a bricks-and-mortar store in the sale of the identified products. A dedicated area is provided within the store. In this area, the store provides, for each identified product, both: 1) a physical purchasable unit of the product, and 2) descriptive information about the product. The descriptive information includes: 1) an identification of the product, 2) an identification of the on-line retailer, 3) a price at which the product is offered on-line by the on-line retailer, and 4) a price at which the product is offered at the store. The customer can use the descriptive information to confirm the prices, and can then purchase a physical unit of the product, and can immediately take the unit from the store without having to wait for, and pay for, shipment.Type: ApplicationFiled: October 15, 2015Publication date: April 20, 2017Inventor: Youn Jae Lee