Patents Issued in July 27, 2017
  • Publication number: 20170213180
    Abstract: Computerized embodiments are disclosed for efficiently storing site-to-site transit information in a reduced amount of computer memory. In one embodiment, a transit data structure and a compensation data structure are generated and stored in memory of a computer. The transit data structure has dimensions of first job site identifiers by second job site identifiers that allow transit data cells of the transit data structure to be addressed. Each transit data cell stores a pattern index value representing a traffic pattern and a base travel time value representing a minimum travel time between two job sites. The compensation data structure has dimensions of pattern index values by level index values that allow compensation data cells of the compensation data structure to be addressed. The level index values are derived from travel conditions and vehicle conditions. Each compensation data cell stores a single byte of data for adjusting base travel time values.
    Type: Application
    Filed: January 26, 2016
    Publication date: July 27, 2017
    Inventor: Charles P. van't Westeinde
  • Publication number: 20170213181
    Abstract: A method comprising obtaining a scheduling problem comprising: a set of agents and a set of tasks to be performed by the set of agents, wherein solving the scheduling problem using an automated solver is not feasible using available predetermined resources. The method comprises automatically generating a plurality of alternative scheduling problems, wherein a solution to each such alternative scheduling problem defines a solution to the scheduling problem and determining a solution to the scheduling problem by applying the automated solver to solve, while using the available predetermined resources, an alternative problem of the plurality of alternative scheduling problems to determine a solution to the alternative problem and by mapping the solution to the alternative problem to the scheduling problem, whereby determining the solution.
    Type: Application
    Filed: January 26, 2016
    Publication date: July 27, 2017
    Inventors: Michael Katz, Vladimir Lipets, Michael Masin, Dany Moshkovich, Segev E. Wasserkrug
  • Publication number: 20170213182
    Abstract: Assume that a first step in a series of processing is completed while data used in the series of processing is stored in a first directory in a first unit. In this case, the data is stored in a second directory different from the first directory in a second unit corresponding to a second step as a next step of the first step.
    Type: Application
    Filed: January 13, 2017
    Publication date: July 27, 2017
    Inventors: Megumi Machida, Erina Ito
  • Publication number: 20170213183
    Abstract: A logistics distribution method is disclosed. The method may comprise converting, by a logistics system, one or more receiver addresses corresponding to one or more packages into one or more address identifiers corresponding to the one or more receiver addresses, according to a pre-stored address library and a preset address conversion rule. The method may further comprise sending, by the logistics system, the one or more address identifiers to one or more carrier systems for logistics distribution of the one or more packages.
    Type: Application
    Filed: January 13, 2017
    Publication date: July 27, 2017
    Inventor: BIN HU
  • Publication number: 20170213184
    Abstract: A food inventory system, including a portable device which may include a bar code scanner and camera to add and remove inventory items to and from the inventory. The scanner may be mounted on an inventory storage container to facilitate inventory control from one or more domestic storage devices, including refrigerators, freezers, and pantries. The inventory system may display a table listing the inventory items along with variable details. Based on the food inventory list, the inventory system may suggest recipes, display the ingredients in stock for suggested recipes, and create a shopping list of the ingredients not in stock for a desired recipe. The portable device may be configured with wireless capability, connection to the internet, phones, tablets, laptops, and personal computer.
    Type: Application
    Filed: January 25, 2016
    Publication date: July 27, 2017
    Inventors: Sun Kyong Lee, Youn Ja Lee
  • Publication number: 20170213185
    Abstract: A server system tracks purchases by a user of consumable items. Notifications of use of an appliance using a consumable item are received and an estimated amount of the consumable item is decremented in response to the notification. A consumption rate is determined based on the notifications and an expected runout date is calculated. Delivery of the consumable items is then invoked on or before the runout date. The appliance may include, for example, be a network-enabled washing machine that reports loads washed, a refrigerator that detects items removed therefrom, a coffee maker that reports cups of coffee prepared.
    Type: Application
    Filed: January 19, 2017
    Publication date: July 27, 2017
    Inventors: Sai Phaneendra Sri Harsha Viswanath Putcha, Donald R. High
  • Publication number: 20170213186
    Abstract: A system and a related method for logistics management is provided, having a networked server system and at least one database that stores (a) data for registered users and (b) inventory data. The system broadcasts a task by the server system via wireless communications, to mobile computing devices; conducts a congruence assessment for each mobile device to assess whether the registered user of the device can accept the task; transmits the congruence assessment from each of the plurality of mobile devices to the server system; and assigns the task based on the congruence assessments.
    Type: Application
    Filed: January 27, 2017
    Publication date: July 27, 2017
    Applicant: Rufus Labs, Inc.
    Inventor: Gabriel Grifoni
  • Publication number: 20170213187
    Abstract: A storage apparatus and a method for controlling the same are disclosed, which relate to a technology for a storage apparatus and a method for controlling the same to receive or return a package, which should be stored at a controlled temperature, such as food, in a non-face to face manner using two doors open in opposite directions such that a delivery person and a consumer do not meet each other. The storage apparatus includes a first door, a second door provided to face the first door, an imaging device configured to acquire an image of the package accommodated in the storage apparatus, a communicator configured to transmit the acquired image of the package to an external device, and a controller configured to control a storage temperature for the package in accordance with a package storage temperature set by the external device based on the image of the package.
    Type: Application
    Filed: January 20, 2017
    Publication date: July 27, 2017
    Inventors: Eun Ha Choi, Jae Hyung Kim, Jin Wook Kim
  • Publication number: 20170213188
    Abstract: A central computer system for a retail shopping facility automatically determines that a customer having a retail item available for pickup at the facility is currently proximal to the facility and automatically responds by sending the customer a message that includes an opportunity for the customer to indicate that they will now pick up the retail item. Upon receiving information indicating that the customer utilized the aforementioned opportunity to indicate that they will now pick up the retail item, the central computer system can instigate a transmission of a message to at least one associate of the retail shopping facility to prompt the associate to move the retail item from a first area of the retail shopping facility (such as a non-public storage area) to a second area of the retail shopping facility (such as a designated pick-up area).
    Type: Application
    Filed: January 24, 2017
    Publication date: July 27, 2017
    Inventors: Tina M. Kurtz, Kyle F. Graham, David M. Nelms
  • Publication number: 20170213189
    Abstract: A display board includes service display areas. Each service display area includes a name of a service and a delivery mechanism configured to contain contact information handouts corresponding to an entity that performs the service. The display board also includes an electronic display, which displays a contact information stream corresponding to the information provided in the contact information handouts contained in the delivery mechanisms.
    Type: Application
    Filed: March 15, 2016
    Publication date: July 27, 2017
    Inventors: Terry Lynn Sims, Robert M. Kennard
  • Publication number: 20170213190
    Abstract: Disclosed are methods and systems that perform an interview of an interviewee and provide a score for that interviewee based on numerous characteristics of the interviewee from the interview. The invention provides an automated interactive communication system, method, and software application, by which any individual may be able to converse, interact, and conduct a dialogue with a number of pre-set video recordings using an individual's vocal speech as one of its main input sources, and having the system output intelligently timed and programmed natural human-like responses via audio video recordings, in relation to the contextual input provided by the individual and as analyzed by the system.
    Type: Application
    Filed: June 23, 2015
    Publication date: July 27, 2017
    Inventor: Jacky HAZAN
  • Publication number: 20170213191
    Abstract: A system for managing a mobile workforce includes tools for directing and tracking the progress of mobile caregivers while providing tools and information to managers of the mobile caregivers as well as information on arrival, departure, and location to advocates of patients. When the caregiver arrives at the patient's home, a message is sent informing an advocate indicating arrival and, during the time the caregiver is with the patient, the advocate is able to determine the location of the caregiver's device (e.g., on a map application) and, in some embodiments, access video and/or audio of interactions with the patient. The location is particularly useful when the patent care includes transportation of the patient. Mechanisms are provided to determine possible substitute caregivers should something happen to a caregiver that is assigned to an appointment with a patient (e.g., flat tire).
    Type: Application
    Filed: January 21, 2016
    Publication date: July 27, 2017
    Applicant: AVERLENT CORPORATION
    Inventor: Bruce Pitcher
  • Publication number: 20170213192
    Abstract: Techniques related to electronic meeting intelligence are disclosed. An apparatus receives audio/video data including first meeting content data for an electronic meeting that includes multiple participants. The apparatus extracts the first meeting content data from the audio/video data. The apparatus generates meeting content metadata based on analyzing the first meeting content data. The apparatus includes the meeting content metadata in a report of the electronic meeting. If the apparatus determines that the audio/video data includes a cue for the apparatus to intervene in the electronic meeting, the apparatus generates intervention data including second meeting content data that is different from the first meeting content data. During the electronic meeting, the apparatus sends the intervention data to one or more nodes associated with at least one participant of the multiple participants.
    Type: Application
    Filed: April 3, 2017
    Publication date: July 27, 2017
    Applicant: RICOH COMPANY, LTD.
    Inventors: Hiroshi Kitada, Steven A. Nelson, Lana Wong, Charchit Arora
  • Publication number: 20170213193
    Abstract: Techniques related to electronic meeting intelligence are disclosed. An apparatus receives audio/video data including first meeting content data for an electronic meeting that includes multiple participants. The apparatus extracts the first meeting content data from the audio/video data. The apparatus generates meeting content metadata based on analyzing the first meeting content data. The apparatus includes the meeting content metadata in a report of the electronic meeting. If the apparatus determines that the audio/video data includes a cue for the apparatus to intervene in the electronic meeting, the apparatus generates intervention data including second meeting content data that is different from the first meeting content data. During the electronic meeting, the apparatus sends the intervention data to one or more nodes associated with at least one participant of the multiple participants.
    Type: Application
    Filed: April 3, 2017
    Publication date: July 27, 2017
    Applicant: RICOH COMPANY, LTD.
    Inventors: Hiroshi Kitada, Steven A. Nelson, Lana Wong, Charchit Arora
  • Publication number: 20170213194
    Abstract: A method (300) and apparatus are disclosed for event notification. An apparatus that incorporates teachings of the present disclosure may include, for example, a presence services system (PSS) (102) can have a controller (104) that manages operations of a communications interface (110). The controller can be programmed to monitor (302) presence information of a plurality of communication devices of an end user operating in a communications system, and receive (316) a request from a calendar reminder system (CRS) for access to the presence information. Additional embodiments are disclosed.
    Type: Application
    Filed: April 6, 2017
    Publication date: July 27, 2017
    Applicant: AT&T Intellectual Property I, L.P.
    Inventors: Steven M. Wollmershauser, Yolius Diroo, Edward Walter, Brian Wilson, William R. Hurst, Anil Kumar Doradla
  • Publication number: 20170213195
    Abstract: The condition of a technical installation is automatically monitored. A measured value of at least one component of the installation is sensed by at least one sensor device on the installation, and the at least one measured value is used, in a data processing arrangement specific to the installation, for determining a current operating state of the installation. By way of the data processing arrangement, including component-specific aging functions, a future chronological course of the operating condition is determined from the current operating condition, and a maintenance interval for the installation is adjusted on the basis of the future chronological course of the operating condition, in order to determine a next maintenance date of the installation. A corresponding arrangement and a computer program product for condition monitoring are also described.
    Type: Application
    Filed: July 25, 2014
    Publication date: July 27, 2017
    Inventors: SERDAR CELIK, NORBERT KAISER
  • Publication number: 20170213196
    Abstract: A method and apparatus for reviewing a bundle of documents relating to the trace history of a life limited part, such as a part for an aircraft engine, for possible acquisition of the part, and a method and apparatus for preparing a bundle of documents relating to the trace history of a life limited part for use by the review program. Documents relating to the part history are prepared for review by identifying the document category, inputting information from the documents, and highlighting information on the documents. As the prepared document bundle is reviewed, the reviewer is shown the documents by category, the collected information, and the highlighted portions. The reviewer may track their progress through the document bundle and may track the progress of other reviewers. The reviewers may approve the acquisition of the part based on the review.
    Type: Application
    Filed: November 15, 2016
    Publication date: July 27, 2017
    Applicant: Power Werks, Inc.
    Inventor: Ryan Sheley
  • Publication number: 20170213197
    Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses allowing a customer to request that another customer pay for a retail transaction. Authorization for the payment may be automatic or may require authorization from the another customer for a transaction over a specified amount.
    Type: Application
    Filed: January 22, 2016
    Publication date: July 27, 2017
    Inventors: David Martin Nelms, Eytan Daniyalzade, Berk Atikoglu
  • Publication number: 20170213198
    Abstract: The account and server free possession and transfer of entangled electronic money. Payment with E-Money is a settlement free process. Ownership and transfer occurs by means of name of the electronic bill and a secure password. A person who knows the name and the password owns the money. Upon change of ownership the password has to be changed. Any electronic bill has more entangled versions of itself to assure indestructibility. The password change is communicated automatically among all entangled versions. The user manages his/her E-Money with wallet application. He/she can also access manually his/her electronic bills over the internet.
    Type: Application
    Filed: January 24, 2016
    Publication date: July 27, 2017
    Inventor: Walter B. Ochynski
  • Publication number: 20170213199
    Abstract: In one embodiment, a two-portion cash-dispensing machine has a first secure portion that receives paper currency during bill-breaking operations and vouchers during voucher-redemption operations and a second secure portion that dispenses paper currency. Physical access to the first secure portion is restricted to authorized first agents, and physical access to the second secure portion is restricted to authorized second agents. Physical access to the first secure portion by an authorized first agent does not inherently provide physical access to the second secure portion by the authorized first agent, and vice versa. In one application, two different business entities are respectively responsible for maintaining the two different secure portions, and the machine communicates information associated with requests for transfers of funds from a bank account of the first entity to a bank account of the second entity to reimburse the second entity for bill-breaking and voucher-redemption operations.
    Type: Application
    Filed: January 25, 2017
    Publication date: July 27, 2017
    Inventor: Andrew J. Schwartz
  • Publication number: 20170213200
    Abstract: A computer-implemented method presents on a merchant checkout graphical user interface associated with a payment processor widget. The payment processor widget determines affiliations of a plurality of accounts and a plurality of issuers of a user. The payment processor widget via the merchant checkout graphical user interface defines at least one selectable graphic configured for receiving interactions of the user on the selectable graphic. In response to receiving the selection of the selectable graphic, the payment processor widget presents a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular issuer. The authentication widget communicates the credential to the particular issuer for authentication of the user. In response to receiving a successful authentication indicator from the particular issuer, the payment processor widget displays a message indicating that a transaction was approved.
    Type: Application
    Filed: January 27, 2017
    Publication date: July 27, 2017
    Inventor: Thomas Purves
  • Publication number: 20170213201
    Abstract: System (1) and method for controlling and managing shopping trolleys (2), wherein the system comprises an ID terminal (3) for each trolley (2) to be controlled, said terminal being equipped with means for communicating with at least one trolley parking bay unit (4), at least one location-finding system (6), and at least one unit (5) for detecting the passage of the trolley through the checkout. The method comprises a method for combined control of trolley output implemented in the ID terminal and the parking bay unit, a method for locating the trolley demarcation, a method for combined control of passage of the trolley through the checkout implemented in the ID terminal and the unit for detecting the passage of the trolley through the checkout, and a method for combined control of trolley input implemented in the ID terminal and the trolley parking bay unit.
    Type: Application
    Filed: April 7, 2015
    Publication date: July 27, 2017
    Inventors: José Antonio QUINTERO TRAVERSO, Enrique Alfonso QUINTERO TRAVERSO, José Manuel REINA RODRÍGUEZ
  • Publication number: 20170213202
    Abstract: Generally speaking, pursuant to these various embodiments a retail shopping facility contains various items available for purchase. A corresponding memory stores registered ownership information provided at least in part by a consumer in conjunction with purchasing a retail item at the retail shopping facility. A corresponding control circuit provides a possession-transfer opportunity by which an owner of the retail item can offer possession of the retail item to another party. When the owner of the retail item selects that possession-transfer opportunity for the retail item, the control circuit uses the registered ownership information to offer possession of the retail item to other parties who may be potentially interested in possessing the retail item.
    Type: Application
    Filed: January 20, 2017
    Publication date: July 27, 2017
    Inventors: Donald R. High, Charles P. Kaufman, Michael D. Atchley
  • Publication number: 20170213203
    Abstract: A network system in which a terminal device and a server communicate through a global network enables executing an appropriate process when these devices cannot communicate through the global network. A tablet terminal accesses a recording control device through a local area network; the recording control device determines if communication with a control server is possible through a global network, instructs connecting to the control server if communication is possible, and instructs connecting to the recording control device if communication is not possible; and the tablet terminal, as instructed, connects to the control server and controls the recording device by a web application that runs on the control server, or connects to the recording control device and controls the recording device by a web application that runs on the recording control device.
    Type: Application
    Filed: September 17, 2015
    Publication date: July 27, 2017
    Applicant: Seiko Epson Corporation
    Inventor: Koichiro Tsutumi
  • Publication number: 20170213204
    Abstract: Systems and methods disclosed herein relate to reducing the losses associated with processing payments using credit card payment processing gateways. Payment processing gateways have different deposit success rates due to the gateways' varying arrangements with acquiring banks and the ability to process certain types of payments. A payment request related to a user may be received, wherein the request specifies a particular type of credit card, a transaction currency, and an amount. A payment application then routes, via a payment agent, the payment request to an adaptive gateway switching system (AGSS) in an attempt to complete a payment transaction. If in learning mode, the AGSS may randomly choose a payment processing gateway. Or the AGSS may choose the gateway based upon a learned gateway status based upon results learned through reinforcement learning. Upon receiving the result of a transaction attempt from the gateway, the agent reports the result to the AGSS.
    Type: Application
    Filed: June 3, 2016
    Publication date: July 27, 2017
    Inventors: Amir MASSOUDI, Jun YAO, Joseph NOEL, Conrad Marco Egamino OLEGA, Darren Nicholas John WILLIAMS, Muhammad Umer FAROOQ
  • Publication number: 20170213205
    Abstract: The invention provides a system and method for executing payment of a fare for fare collection and validation for a journey on a vehicle in a transportation network. For each journey taken by an individual on the transportation system, a central server receives from a mobile device of the individual an identifier of the mobile device together with data indicative of a station of embarkation of the journey. The mobile device identifier and the station of embarkation are transmitted to the central server over one or more wireless networks. The central server comprises a processor configured to determine a fare for the journey based on the station of embarkation.
    Type: Application
    Filed: December 9, 2014
    Publication date: July 27, 2017
    Applicant: Adom Intelligent Transport LTD.
    Inventors: Ofer Sinai, David Mezuman
  • Publication number: 20170213206
    Abstract: Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a geographically restricted non-native credential are provided.
    Type: Application
    Filed: January 25, 2017
    Publication date: July 27, 2017
    Inventor: Nicholas J. Shearer
  • Publication number: 20170213207
    Abstract: Systems and methods are provided for providing and funding an emergency prepaid card. According to one aspect, a request for emergency funds is received by a payment network from a customer. The customer's identity is verified, a transaction to fund an emergency account is authorized, an issue code is generated, and the issue code is provided to the customer. The issue code and an emergency prepaid card number are provided to an activator of the prepaid card, and the issue code is validated. The emergency account is funded and associated with the card number, and the emergency prepaid card number is activated.
    Type: Application
    Filed: April 6, 2017
    Publication date: July 27, 2017
    Inventor: Alexis Suberville
  • Publication number: 20170213208
    Abstract: Method for predicting acceptance of a commercial card product can include obtaining data representing a plurality of variables related to payment card transactions for at least one merchant. Each of the plurality of variables can be weighted. Scores for each of the plurality of variables can be assigned based on at least one predetermined threshold. An acceptance score for each merchant can be calculated by combining the scores for each of the plurality of variables for each merchant. Whether each merchant is likely to accept a commercial card product can be predicted based on the acceptance score. Each merchant predicted to be likely to accept the commercial card product can be contacted. Systems, networks, and media are also disclosed.
    Type: Application
    Filed: January 27, 2016
    Publication date: July 27, 2017
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Edward Francis Downs, Andisya N. Siregar, Robert Snyder
  • Publication number: 20170213209
    Abstract: A system, method, and computer readable storage medium configured for a transactional database management system shared by all computing nodes participating in a system based on a blockchain protocol. The transactional database management system includes transactions and blocks, where the transactions are data to be stored in the blockchain and the blocks are records that confirm when and in what sequence certain transaction became journaled as part of the blockchain. A request is received signed with a signature of a user system to include a new transaction with additional data in the blockchain. In response to the signature being verified and hash of batches of receive transaction into the block being verified. The block are added that records the new transaction with additional data in the blockchain using within the transactional database management system.
    Type: Application
    Filed: January 21, 2016
    Publication date: July 27, 2017
    Inventor: Donna Eng DILLENBERGER
  • Publication number: 20170213210
    Abstract: One embodiment provides a method for securely transferring an asset between entities using a multi-tenant transaction database, the method including: utilizing at least one processor to execute computer code that performs the steps of: receiving, at the multi-tenant transaction database, an asset token comprising an encrypted identification tag representing an asset owned by a first transacting entity, wherein the encrypted identification tag is associated with a public key having a corresponding private key which is usable for decryption of the encrypted identification tag; receiving, at the multi-tenant transaction database, a transfer request to transfer the asset token from the first transacting entity to a second transacting entity; receiving, at the multi-tenant transaction database, an authorization to complete the transfer request; and transferring, at the multi-tenant transaction database, the asset token to the second transacting entity. Other aspects are described and claimed.
    Type: Application
    Filed: January 22, 2016
    Publication date: July 27, 2017
    Inventor: David William Kravitz
  • Publication number: 20170213211
    Abstract: Techniques are disclosed relating to authenticate a user with a mobile device. In one embodiment, a computing device includes a short-range radio and a secure element. The computing device reads, via the short-range radio, a portion of credential information stored in a circuit embedded in an identification document issued by an authority to a user for establishing an identity of the user. The computing device issues, to the authority, a request to store the credential information, the request specifying the portion of the credential information. In response to an approval of the request, the computing device stores the credential information in the secure element, the credential information being usable to establish the identity of the user. In some embodiments, the identification document is a passport that includes a radio-frequency identification (RFID) circuit storing the credential information, and the request specifies a passport number read from the RFID circuit.
    Type: Application
    Filed: January 25, 2017
    Publication date: July 27, 2017
    Inventors: Herve Sibert, Onur E. Tackin, Matthias Lerch, Ahmer A. Khan, Franck Rakotomalala, Oren M. Elrad
  • Publication number: 20170213212
    Abstract: Systems, methods, and computer-readable media for conducting a transaction using an electronic device with a non-native credential are provided. In one embodiment, a client electronic device in a system including a credential subsystem, a processing subsystem, and a host electronic device may include an online communications component and a processor that accesses, from the processing subsystem, potential transaction data indicative of a transaction, communicates, to the host electronic device using the online communications component, credential request data based on the potential transaction data, receives, from the host electronic device using the online communications component, host credential data based on the credential request data, and communicates, to the processing subsystem, the host credential data, wherein the host credential data is operative to access funds or other suitable enabling elements from the credential subsystem for funding at least a portion of the transaction.
    Type: Application
    Filed: January 25, 2017
    Publication date: July 27, 2017
    Inventors: George R. Dicker, Nicholas J. Shearer
  • Publication number: 20170213213
    Abstract: Systems and methods are provided for enhancing the security of a multi-system transaction environment in which the computer hardware and/or software of at least one device participating in transaction authorization does not support encrypted communications, and/or where at least one communication associated with the transaction is sent over a network in a manner that will likely be capable of being intercepted, listened to or monitored by an untrusted party. An authorization service may maintain two different codes associated with each of a number of different clients or client devices. Transaction requests may be initiated by a transaction request system using a first code and a client identifier, and confirmed by a client device using a second code, with both codes being communicated in separate transmissions to an authorization service via potentially different networks.
    Type: Application
    Filed: January 25, 2016
    Publication date: July 27, 2017
    Inventor: Max Stanford Tomlinson, JR.
  • Publication number: 20170213214
    Abstract: Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. The host computing system receives a computer message comprising authorization data associated with a transaction, the authorization data including a location identifier and a local transaction time set by a remote computing device used in processing the transaction. The host computing system also appends a header including a header processor time to the computer message, determines a time zone associated with the local transaction time based on the location identifier, converts the header processor time to a local header processor time based on the time zone, and determines that the local transaction time is validated based on the local header processor time.
    Type: Application
    Filed: January 25, 2016
    Publication date: July 27, 2017
    Inventors: David J. Senci, Peng Yang
  • Publication number: 20170213215
    Abstract: Disclosed are exemplary embodiments of systems and methods for coordinating commerce associated with a premises. One exemplary method includes detecting a condition of a premises via a device at the premises; determining whether a product purchase is indicated based on the detected condition; and when a product purchase is indicated, initiating, by a commerce engine at the premises, a purchase transaction for a product associated with the product purchase determination, using a payment credential associated with a payment account and included in the commerce engine.
    Type: Application
    Filed: January 26, 2017
    Publication date: July 27, 2017
    Inventors: Charles Sangwon Lee, Michael Jason Friedman, Sherri Gayle Haymond
  • Publication number: 20170213216
    Abstract: A method and system include identifying at least one stored value product is included in a purchase transaction; calculating an amount of stored value on the stored value product; receiving, by a computer from a merchant device, a payment authorization request for the purchase transaction via a payment card product; transmitting information associated with the stored value product to an issuer of the payment card product. Numerous other aspects are provided.
    Type: Application
    Filed: January 26, 2016
    Publication date: July 27, 2017
    Inventors: Gregory S. Phillips, Claire Le Gal
  • Publication number: 20170213217
    Abstract: Described herein is disclosed a service management method comprising receiving a transaction request from a user computing device with the transaction request. The method further comprises authenticating the transaction request before transmitting the transaction request and a service identifier to a service computing system associated with the identified one of the plurality of service accounts for procuring a transaction response.
    Type: Application
    Filed: July 3, 2015
    Publication date: July 27, 2017
    Inventor: KIAN HWA GOH
  • Publication number: 20170213218
    Abstract: Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
    Type: Application
    Filed: January 26, 2017
    Publication date: July 27, 2017
    Inventors: Daren Lee PICKERING, Jonathan Stewart VOKES, Nicholas TELFORD-REED
  • Publication number: 20170213219
    Abstract: A method for automated management of dynamic currency conversion in a cross-border transaction includes: storing an account profile including a primary account number, identification value, a first transaction control associated with a home geographic location, and a second transaction control associated with a home currency; receiving a travel notification including the identification value and a second geographic location; updating the transaction controls in the account profile to be associated with the second geographic location and an associated local currency; receiving a transaction message from an acquiring institution including the primary account number, a transacting geographic location, and a transacting currency; evaluating, the transaction geographic location and currency for correspondence to the second geographic location and local currency; and transmitting the transaction message to an issuing financial institution if the evaluation is successful or a second transaction message to the acquir
    Type: Application
    Filed: January 25, 2017
    Publication date: July 27, 2017
    Applicant: Mastercard International Incorporated
    Inventor: John Paul GARDEN
  • Publication number: 20170213220
    Abstract: Systems and methods are provided for enhancing the security of a multi-network computing environment in which at least one of the networks is not secure and at least one of the communicating devices does not send secure messages. An authorization service may maintain two authentication codes that are associated with a client or a computing device. The client or a transaction request system may initiate communication via a secured network, and may securely transmit a client identifier and a first authentication code to an authorization service. The client, using an unsecured mobile device, may then transmit a second authentication code, via the insecure network, to the authorization service to authenticate the unsecured device and confirm the communication.
    Type: Application
    Filed: January 25, 2016
    Publication date: July 27, 2017
    Inventor: Max Stanford Tomlinson, JR.
  • Publication number: 20170213221
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating multiple and/or changing identities of an entity and/or individual. The block chain database comprises a distributed ledger that is updated with real-time identification information including end-point identifications of entities and/or individuals. The identifications are monitored and coded with a validity window. The validity window provides a duration of availability for the identification for authorization purposes. Upon an authorization request, the invention identifies an identification associated with the request and confirms the validity window is open for the request prior to authorization.
    Type: Application
    Filed: February 22, 2016
    Publication date: July 27, 2017
    Inventors: Manu Jacob Kurian, Michael Wuehler
  • Publication number: 20170213222
    Abstract: Methods and systems are provided for automatically comparing, combining and fusing vehicle data. First data is obtained pertaining to a first plurality of vehicles. Second data is obtained pertaining to a second plurality of vehicles. One or both of the first data and the second data include abbreviated terms. The abbreviated terms are disambiguating at least in part by identifying, from a domain ontology stored in a memory, respective basewords that are associated with each of the abbreviated terms, filtering the basewords, performing a set intersection of the basewords, and calculating posterior probabilities for the basewords based at least in part on the filtering and the set intersection. The first data and the second data are combined, via a processor, based on semantic and syntactic similarity between respective data elements of the first data and the second data and the disambiguating of the abbreviated terms.
    Type: Application
    Filed: April 6, 2017
    Publication date: July 27, 2017
    Applicant: GM GLOBAL TECHNOLOGY OPERATIONS LLC
    Inventors: DNYANESH RAJPATHAK, PRAKASH M. PERANANDAM, SOUMEN DE, JOHN A. CAFEO, JOSEPH A. DONNDELINGER, PULAK BANDYOPADHYAY
  • Publication number: 20170213223
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A VIC assignment system may comprise various modules and engines as discussed herein wherein a VIC code may be determined and assigned to a merchant for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services, such as credit risk evaluation, fraud detection, bonusing, and dispute arbitration. For instance, a VIC code may be identified, whereby the VIC assignment system may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the transaction network more properly functions according to approved parameters.
    Type: Application
    Filed: January 21, 2016
    Publication date: July 27, 2017
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ravi Batra, Dheeraj Chandrashekar, Vic S. Chawla, Ashish Dabas, Vernon Marshall, Sangarsh Nigam, Ashish Kapatia Sharma
  • Publication number: 20170213224
    Abstract: Analyzing a purchase decision made by a user includes tracking locations of a mobile device within a retail store to form a proximity history, the proximity history capturing information relating to items within the retail store in which the user expresses interest, with a point of sale (POS) system, determining purchase information for each of the items in which the user expresses interest in, the purchase information indicating whether an item in which the user expressed interest is or is not purchased, and after the purchase, analyzing the proximity history and the purchase information for each of the items in which the user expressed interest to create a purchase decision analysis, the purchase decision analysis to identify which of the items have a proximity history exceeding a threshold that indicates the user was undecided whether to purchase or not to purchase that item while shopping in the retail store.
    Type: Application
    Filed: January 21, 2016
    Publication date: July 27, 2017
    Applicant: International Business Machines Corporation
    Inventors: Lisa Seacat DeLuca, Jeremy A. Greenberger
  • Publication number: 20170213225
    Abstract: Techniques are described for collecting customer data through a software application in order to optimize registration form to maximize registration success rates, based on a user engagement score related to user's interest, needs, registration behavior patterns, and source of user. In some examples, a method includes evaluating user data indicating interactions of a user with a software application. The method further includes determining a user engagement score for the user based at least in part on the user data. The method further includes determining, based at least in part on the user engagement score, a number and a type of one or more registration fields. The method further includes outputting the one or more registration fields to a display device based at least in part on a triggering event.
    Type: Application
    Filed: January 27, 2016
    Publication date: July 27, 2017
    Inventors: Richard A. Gebhardt, ChunHui Y. Higgins, William P. Higgins, Peter J. Parente, Ke Zhu
  • Publication number: 20170213226
    Abstract: Provided herein are systems, methods and computer readable media for consumer monitor and tracking. An example method may include receiving client device ID and client device profile data, comparing client device ID and client device profile data to a plurality of known client device versions, generating an updated known client device version in an instance in which the client device ID correlates to at least one of the plurality of known client device versions and the client device profile data does not correlate to the at least one of the plurality of known client device versions and generating a new known client device version in an instance in which the client device ID does not correlate to at least one of the plurality of known client device versions.
    Type: Application
    Filed: December 23, 2016
    Publication date: July 27, 2017
    Inventors: Jiaqi Guo, Michael Elizarov, Jim Breen, Selvam Velmurugan
  • Publication number: 20170213227
    Abstract: In some embodiments, apparatuses and methods are provided to enable wide access to numerous different previously compiled forecast modeling. In some embodiments, a system is provided that enables wide access to forecasting, comprising: a forecast model database that maintains numerous different forecast models that when run produce resulting forecast data relevant to making business decisions; and a forecasting interface system configured to receive multiple different forecast requests for forecast request data, which comprises a forecast model index comprising identifiers of the numerous different predefined forecast models and for each of the numerous different forecast models relevance characteristics, wherein the forecasting interface system selects, for each received forecast request, a forecast model of the numerous different forecast models based on a relationship between the corresponding forecast request data and the relevance characteristics.
    Type: Application
    Filed: January 20, 2017
    Publication date: July 27, 2017
    Inventors: Christopher M. Johnson, Ting Li
  • Publication number: 20170213228
    Abstract: According to one aspect, embodiments of the invention provide a system for identifying elastic products in a retail environment, the system comprising a network interface configured to be coupled to a communication network, a product analysis module coupled to the network interface and configured to communicate with a server of each one of a plurality of retail stores in the retail environment via the network interface and the communication network, and a database coupled to the product analysis module, wherein the product analysis module is further configured to receive signals from each server of the plurality of retail stores including experience based information related to sales of a plurality of products in each one of the plurality of retail stores, and profile a group of the plurality of products as elastic products based on the experience based information related to the sales of the plurality of products.
    Type: Application
    Filed: July 23, 2015
    Publication date: July 27, 2017
    Applicant: Wal-Mart Stores, Inc.
    Inventor: Rahul Chowdhury
  • Publication number: 20170213229
    Abstract: Disclosed are various embodiments for generating event recommendations. Embodiments of the disclosure identify an event associated with a location and an artist. An artist recommendation corresponding to the artist is generated for users based upon the media consumption of the users. An event recommendation corresponding to the event is generated for users near the location. A level of demand for the event is determined based upon a conversion rate.
    Type: Application
    Filed: April 7, 2017
    Publication date: July 27, 2017
    Inventors: TOBY RAY LATIN-STOERMER, SCOTT K. MEAKER, SCOTT DURHAM, STEPHEN C. MACK, RALPH CAMERON HARVEY, ERIN O. ANDERSON