Patents Issued in August 24, 2017
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Publication number: 20170243205Abstract: The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and/or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc.Type: ApplicationFiled: May 10, 2017Publication date: August 24, 2017Applicant: Wistaria Trading LtdInventor: Scott A. Moskowitz
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Publication number: 20170243206Abstract: Provided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale (“POS”), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile backend systems translate the messages so the customer does not have to do something different for different mobile applications. The system may alternatively allow a cashier to scan a participating mobile application's code such as a QR code/barcode. Mobile backend systems determine which wallet to communicate with and does so on the POS behalf. The POS is isolated from complexities of integrating with different mobile applications and corresponding backend systems.Type: ApplicationFiled: October 12, 2015Publication date: August 24, 2017Inventors: Bradley Joseph Kieffer, Eytan Daniyalzade, Prasanna Rajendran, Charles David Berry, David Martin Nelms, Daniel Eckert, Mark Matthews
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Publication number: 20170243207Abstract: A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN.Type: ApplicationFiled: February 18, 2016Publication date: August 24, 2017Inventors: Dana J. Lorberg, Sandeep Malhotra
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Publication number: 20170243208Abstract: Systems, computer program products, and methods are described herein for a system for control of device identity and usage in a process data network. The present invention is configured to receive an indication that a user has executed a transaction using a mobile device; receive a request to validate mobile device identity; retrieve financial credentials from the mobile device; retrieve device information associated with the mobile device used in the execution of the transaction; determine whether the retrieved financial credentials and the device information meet a condition of the block chain; receive an indication that the retrieved financial credentials and the device information meet the condition of the block chain thereby validating the request; and allow the execution of the transaction to be completed based on at least receiving the indication that the retrieved financial credentials and the device information meet the condition of the block chain.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado, Richard Huw Thomas
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Publication number: 20170243209Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use a block chain distributed network for granting user access and/or data usage in a process data network. Embodiments receive a transaction record associated with a payment transaction initiated by a user, wherein the transaction record comprises transaction data indicating a payor account owned by a payor distinct from the user, a payee and an amount; access a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and determine, using the accessed distributed ledger, whether the user is authorized to conduct the payment transaction. In some cases, the system determines, using the accessed distributed ledger, that one or more payor restrictions have been placed on user use of the payor account; and applies the payor restrictions to processing of the payment transaction.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Darrell Johnsrud, Manu Jacob Kurian
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Publication number: 20170243210Abstract: An embedded electronic payment (EEP) system allows various devices and appliances to act as a merchant to accept electronic payments. The EEP system can be formed on an integrated circuit or as a software applet to run on a virtual machine. The integrated chip can be a standard IC, an application specific integrated chip, programmable logic device, or a multiprocessor based microcontroller. The EEP system operates with a standard interface that can be adapted to many applications. As a result, the cost of payment integration is reduced. The reduced cost of inclusion allows electronic payment systems to be applied in systems and devices where cost margins previously prohibited custom electronic payment systems. When the EEP system is included as an integrated chip, the system has improved security and power consumption compared to software solutions.Type: ApplicationFiled: March 24, 2017Publication date: August 24, 2017Applicant: Electronic Payments, Inc.Inventor: Terry L. Glatt
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Publication number: 20170243211Abstract: An embodiment of the invention is directed to a method comprising receiving, at a server computer, information for a portable device that includes a mobile device identifier and storing, by the server computer, the information for the portable device that it the mobile device identifier in a database as with the server computer. The method further comprising receiving, by the server computer, transaction data from an access device for a transaction conducted at the access device, determining, by the server computer, from the transaction data that the transaction is associated with the portable device, determining, by the server computer, a location of the access device, determining, by the server computer, a location of a mobile device associated with the mobile device identifier, determining, by the server computer, that the location of the mobile device matches the location of the access device, and marking, by the server computer, the stored information for the portable device as authentication verified.Type: ApplicationFiled: May 11, 2017Publication date: August 24, 2017Inventor: James Dimmick
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Publication number: 20170243212Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Joseph Benjamin Castinado, James Gregory Ronca
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Publication number: 20170243213Abstract: Systems, computer program products, and methods are described herein for a system to enable contactless access to a transaction terminal using a process data network. The present invention is configured to electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device; retrieve, from the user device, a unique identifier associated with the user device; compare the unique identifier with a block chain of authentication information associated with the user to determine whether the unique identifier meets a condition associated with the block chain authentication information; receive an indication that the unique identifier meets the condition of the block chain thereby validating user identity; and allow the user to access the transaction terminal based on at least receiving the indication that the unique identifier meets the condition of the block chain.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Joseph Benjamin Castinado, Manu Jacob Kurian
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Publication number: 20170243214Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing transaction history of unbanked and underbanked users in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Darrell Johnsrud, Manu Jacob Kurian
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Publication number: 20170243215Abstract: A closed-loop system is operatively connected with a block chain distributed network for using the block chain distributed network for facilitating operation of a transaction record sharing system. Host and source institutions function to supply a consolidated transaction record to a user in response to a request from a user to the host institution. The request is determined to meet a condition of the block chain thereby verifying the request. The verified request for a transaction record is transmitted to at least one source institution. The transaction record of the source institution is accessed by the host institution. A consolidated transaction record is communicated to the user based on the transaction record.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Eric Eugene Sifford, Joseph Benjamin Castinado, Richard Huw Thomas
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Publication number: 20170243216Abstract: This disclosure includes, among other things, teachings of a variety of improved techniques including payment systems that utilize Encrypted Computer Networking (ECN) to provide industrial transparency, rapid accounting and payment, end-to-end credibility inspiring user confidence and assurance for the monetization, payment processing, and royalty distribution of copyrights, content, services and agreements. Components of the disclosed payment system run on ECN, such as the Blockchain, as a backend to process payments.Type: ApplicationFiled: January 27, 2017Publication date: August 24, 2017Inventor: BRADLEY ELLIOTT KOHN
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Publication number: 20170243217Abstract: Embodiments of the present invention are directed to routing process authorizations to determine an appropriate legal entity name when an alternate entity name is provided. The system stores alternate entity names in a private or semi-private block chain distributed network, where a block chain ledger keeps an ongoing record of the alternate entity names and their associated legal entity name. When an authorization request is received that does not include a known legal entity name, the system will match the listed entity name with one of the stored alternate entity names, and thereby determine the legal entity name that should be associated with the authorization request.Type: ApplicationFiled: February 22, 2016Publication date: August 24, 2017Inventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
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Publication number: 20170243218Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.Type: ApplicationFiled: April 6, 2017Publication date: August 24, 2017Inventors: SHOON PING WONG, KENNETH CHUNG LEM MOY, CELINE MARTIG, PABLO FOUREZ, ALAN MUSHING, FREDRIK LUNDEQUIST, MICHAEL AMEISS, MICHAEL SHAON
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Publication number: 20170243219Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.Type: ApplicationFiled: April 6, 2017Publication date: August 24, 2017Inventors: SHOON PING WONG, KENNETH CHUNG LEM MOY, CELINE MARTIG, PABLO FOUREZ, ALAN MUSHING, FREDRIK LUNDEQUIST, MICHAEL AMEISS, MICHAEL SHAON
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Publication number: 20170243220Abstract: A computer-implemented method for automatically blocking an ineligible fraud-related chargeback from chargeback processing over a network is provided. The method is implemented using a chargeback blocking (CB) computing device. The method includes determining, by the CB computing device, that a first fraud-related chargeback is a triggering fraud-related chargeback based at least in part on stored triggering rules. The method further includes determining if a second fraud-related chargeback is ineligible by applying the triggering rules. The method also includes blocking the second fraud-related chargeback from being transmitted over the network if the second fraud-related chargeback is determined to be ineligible.Type: ApplicationFiled: January 29, 2016Publication date: August 24, 2017Inventors: Gregory S. Phillips, Claire Le Gal
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Publication number: 20170243221Abstract: According to some embodiments, a payment system authorization platform may receive an electronic payment transaction authorization request for an online purchase using a payment account, wherein the payment transaction authorization request includes delivery information. The payment system authorization platform may then automatically analyze data associated with the payment transaction authorization request, including the delivery information, in accordance with a fraud detection model to generate an authorization result. The payment system authorization platform may then transmit a response to the payment transaction authorization request including the authorization result.Type: ApplicationFiled: February 18, 2016Publication date: August 24, 2017Inventors: Lisa-Marie Gill, Claire Le Gal, Gregory S. Phillips
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Publication number: 20170243222Abstract: Systems, computer program products, and methods are described herein for a system for use of secure data in a process data network. The present invention is configured to determine that an entity is associated with a triggering event associated with management of resources; aggregate information associated with past actions associated with the management of resources executed by the entity; create a block chain of information based on at least the aggregated information associated with past actions; initiate a request to receive information associated with transfer of resources executed by the entity; receive information associated with the transfer of resources based on at least the initiated request, wherein the transfer of resources is associated with a resource type; and update the block chain of transaction information with the transfer of resources executed by the entity.Type: ApplicationFiled: April 6, 2016Publication date: August 24, 2017Inventor: Venkatakrishnan Balasubramanian
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Publication number: 20170243223Abstract: Disclosed are system and method for detecting fraudulent activity in user transactions. An exemplary method comprising: collecting user behavior data during user's interaction via an input device with one or more groups of elements of a graphical interface of an application on a computing device; calculating, by a processor, an anomalous user behavior coefficient for each group of elements of the graphical interface based on the collected user behavior data; detecting, by the processor, a fraudulent activity when a combination of anomalous user behavior coefficients exceeds a predetermined threshold value; and in response to detecting a fraudulent activity, blocking, by the processor, the interaction of the user with the application.Type: ApplicationFiled: June 8, 2016Publication date: August 24, 2017Inventors: Evgeny B. Kolotinsky, Vladimir A. Skvortsov
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Publication number: 20170243224Abstract: Methods and systems for authenticating both a browser-based user mobile device and the user in association with an online transaction. In an embodiment, the process includes receiving, by a cloud-based authentication service computer, a user authentication request from a user mobile device. A mobile transaction application determines that the user and the entity involved in the online transaction are enrolled in a cloud-based authentication service, identifies a user data structure and a user profile, determines that the received user authentication data and user mobile device identification data matches data stored in the user profile, and determines that a requirement of the entity is satisfied. The mobile transaction application then transmits a positive user authentication message to an entity computer.Type: ApplicationFiled: February 18, 2016Publication date: August 24, 2017Inventor: Ashfaq Kamal
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Publication number: 20170243225Abstract: Multi-party computation systems and methods for user biometric authentication. In some embodiments, a biometric authentication service computer receives a user authentication request from an entity, determines user enrollment in the biometric authentication service, transmits a prompt message to a user device for at least one type of user biometric feature data, receives the biometric feature data, determines at least two biometric authentication system computers, separates the user biometric feature data into at least two user biometric data portions, transmits each of those portions to a separate biometric authentication system computer. An authentication message is then received from each of the biometric authentication computer systems, and a positive user authentication response is transmitted to the entity computer when the authentication message from each of the biometric authentication computer systems indicates a positive user authentication.Type: ApplicationFiled: February 24, 2016Publication date: August 24, 2017Inventor: Manoneet Kohli
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Publication number: 20170243226Abstract: A support system includes first and second information handling systems. The first information handling system includes a first management module to provide user data from the first information handling system to a support system, register the first information handling system to the support system based upon the user data, determine that a second information handling system coupled to the network is not registered to the support system, and provide the user data to the second information handling system in response to determining that the second information handling system is not registered to the support system. The second information handling system includes a second management module to register the second information handling system to the support system based upon the user data.Type: ApplicationFiled: February 24, 2016Publication date: August 24, 2017Inventor: Ulisses P. Giorgi
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Publication number: 20170243227Abstract: Methods and systems for providing information to a mortgage recipient or other customer of a financial institution. A system identifies potential customer inquiries and provides a list of scripts responsive to the potential customer inquiries. If none of the scripts address the customer's inquiry, the customer specifies the inquiry and an additional list of scripts is generated. The scripts include scripted text, account information, and financial transaction information. In one variation, the customer accesses a website maintained by the financial institution and views a script responsive to the inquiry. In another variation, the customer telephones a customer service agent who selects a script responsive to the inquiry, and reads the script to the customer. In yet another variation, the script is provided to the customer via an Interactive Voice Response system.Type: ApplicationFiled: May 5, 2014Publication date: August 24, 2017Inventors: William C. Erbey, Scott Paul CONRADSON
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Publication number: 20170243228Abstract: Role based assessment for an IT management system, includes maintaining a plurality of roles, each role attributable to a user type within an IT management system. Mappings are defined between the plurality of user roles and assets of the IT management system. An assessment for the IT management system is then assembled from the perspective of a selected one of the plurality of roles based on mappings between the selected user role and the assets.Type: ApplicationFiled: September 3, 2014Publication date: August 24, 2017Applicant: HEWLETT PACKARD ENTERPRISE DEVELOPMENT LPInventors: Jin WANG, Jun LU, Lingyan MENG, Bing GU, Keke QI
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Publication number: 20170243229Abstract: An image forming apparatus that is capable of communicating with a license management server configured to generate a license and that validates an application corresponding to the license by applying the license determines whether current timing has exceeded timing set in the applied license, requests, in response to determining that current timing has exceeded timing set in the applied license, a new license for the application from the license management server, applies the acquired new license, adds, in a case where the new license is not yet applied and the applied license has expired, the application to a screen for receiving an instruction for renewing the license from a user, and requests, apart from requesting the new license in response to a result of the determination, the new license in response to an instruction for renewing the license being received via the screen.Type: ApplicationFiled: February 10, 2017Publication date: August 24, 2017Inventor: Hitoshi Dokai
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Publication number: 20170243230Abstract: Apparatuses and methods associated with preserving authentication under item change are disclosed herein. In embodiments, acquiring digital image data of an image of at least a portion of a target physical object; extracting features from the image data to form a digital fingerprint; querying the database system to seek a matching record based on the digital fingerprint; based on an amount of difference between the digital fingerprint and a stored digital fingerprint of the database, update the database system to output a new indication of a new match to the physical object for any new samples that are not matchable to the stored digital fingerprint within a first predetermined similarity threshold provided the new samples are matchable to the digital fingerprint within a second predetermined similarity threshold. Other embodiments may be disclosed or claimed.Type: ApplicationFiled: February 17, 2017Publication date: August 24, 2017Inventors: David Justin Ross, Justin Lynn Withrow, Scot E. Land, David Keesu Kim, Mark Tocci, Robert Saxon Ross
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Publication number: 20170243231Abstract: Apparatuses and methods associated with personal history in a track and trace system are disclosed herein. In embodiments, a method includes acquiring first information corresponding to a physical object; identifying first authentication data based on the first information; storing the first authentication data in a database system; subsequent to storing the first authentication data, acquiring second information corresponding to a target physical object and identifying second authentication data based on the second information; identifying third information corresponding to the target physical object; querying the database system to seek a matching record based on the second authentication data; in the case that a matching record is returned responsive to the querying, updating the matching record with an indication that the second authentication data was matched to it and updating history data of said matching record based on said third information. Other embodiments may be disclosed or claimed.Type: ApplicationFiled: February 17, 2017Publication date: August 24, 2017Inventors: Justin Lynn Withrow, Mark Tocci, David Keesu Kim, David Justin Ross, Scot E. Land
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Publication number: 20170243232Abstract: Apparatuses and methods associated with preserving a level of confidence of authenticity of an object are disclosed herein. In embodiments, a method includes acquiring first information corresponding to a physical object; identifying first authentication data based on the first information; initializing a database record associated with the physical object responsive to identifying the first authentication data; determining whether the first authentication data corresponds to original provenance for the physical object; in response to determining that the first authentication data does not correspond to original provenance for the physical object, acquire and store in the database record first record data including authenticity information available in association with identification of the first authentication data; in response to determining that the first authentication data does correspond to original provenance for the physical object, retaining second record data in the database record.Type: ApplicationFiled: February 17, 2017Publication date: August 24, 2017Inventors: David Justin Ross, Justin Lynn Withrow, David Keesu Kim, Mark Tocci, Scot E. Land
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Publication number: 20170243233Abstract: Apparatuses and methods associated with multi-level authentication are disclosed herein. In embodiments, a method includes authenticating a physical object of a plurality of physical objects that together form an aggregate physical object; storing in a database system relationship information reflecting a relationship between the aggregate physical object and the plurality of physical objects; attempting to authenticate a target physical object; responsive to matching the target physical object to the aggregate physical object based on the attempt to authenticate the physical target: identifying in the database system a database record corresponding to the aggregate physical object; storing in the database record authentication data reflecting the match between the target physical object and the aggregate physical object; and storing an indication of a re-authentication of the physical object in the database system based on the relationship information. Other embodiments may be disclosed or claimed.Type: ApplicationFiled: February 17, 2017Publication date: August 24, 2017Inventors: Scot E. Land, David Keesu Kim, David Justin Ross, Mark Tocci, Robert Saxon Ross
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Publication number: 20170243234Abstract: Disclosed are various embodiments for automatically creating on a computer analytics tags for different object types of website objects in web pages with analytics tracking capability in a dynamic tag management system. In one implementation, user input is received identifying a website object for tagging in the web pages and keywords are identified based on the user input. Based on the keywords, multiple occurrences of the website object in the web are identified, wherein the multiple occurrences of the website object correspond to multiple object types. The computer automatically creates analytics tags for the website object corresponding to object types. Based on the website object, an expansion object is identified and the computer automatically creates an analytics tag for the expansion object.Type: ApplicationFiled: February 18, 2016Publication date: August 24, 2017Inventors: PAYAL BAJAJ, NIYATI CHHAYA, HARSH JHAMTANI, SHRIRAM VENKATESH SHET REVANKAR, ANANDHAVELU N
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Publication number: 20170243235Abstract: A device/system and method of use thereof, that is capable of observing customer interactions with a display without the need to be connected to an outlet power source and can be self-contained. The device is capable on being run by a battery pack for an extended period of time and can be readily attached and un-attached from the display with simple effort. The device can have a camera to record visual data of the customers (for later analysis), a presence sensor (to detect customer movement), a WIFI module (to receive information from customers' mobile devices), and a CPU and memory card to store the information gathered. The device can be in a compact package design that allows it to be seamlessly attached and unattached as a unit, and can be used as the package for sending to an outside site for analysis the monitored behavior of the customers.Type: ApplicationFiled: February 21, 2017Publication date: August 24, 2017Applicant: eyeQ Inc.Inventors: Michael Garel, Jim Wang, Peter William Rackl
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Publication number: 20170243236Abstract: A computer implemented method for analyzing market research data is provided. The method includes displaying, using a market research computing device, a live board to a plurality of users via respective user computing devices, wherein the live board includes at least one insight, receiving, at the market research computing device, an input from at least one user of the plurality of users, and updating, using the market research computing device, the live board in real-time based on the received input.Type: ApplicationFiled: February 22, 2017Publication date: August 24, 2017Inventors: Jasjit S. Dhillon, Rollo N. McIntyre, Alex Tamvakis
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Publication number: 20170243237Abstract: Disclosed are various embodiments for assigning user interface widgets to page slots associated with a page template. In response to a request to generate a content page, content placement requests are then received from user interface widgets. The page slots are associated with a placement value indicating a value of the page slot relative to other page slots in the page template. The highest ranked user interface widgets according to an effectiveness metric or placement score are scheduled for placement in the content page.Type: ApplicationFiled: May 10, 2017Publication date: August 24, 2017Inventors: Mehul G. Sutariya, Adam Lloyd Days, Yashar D. Fakhari, Adam Brent Johnson, Margaret E. McCanner
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Publication number: 20170243238Abstract: Disclosed is a system and method for creating synthetic user profiles or “personas.” Embodiments are disclosed that initialize a browser (or other resource retrieval software) in accordance with a subject demographic. Various criteria may be simulated in accordance with various embodiments. The browser (or other software) visits a number of predetermined or pseudo-random sites on a wide area network, such as the Internet. The browser (or other software) accumulates user-specific data as it visits each of the sites. The browser (or other software) stores off the accumulated user-specific data in conjunction with a synthetic user profile.Type: ApplicationFiled: February 22, 2017Publication date: August 24, 2017Inventors: Ryan Kosai, Michael Galgon
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Publication number: 20170243239Abstract: Methods and systems for directing users to a location. Embodiments include a user interface for receiving data regarding a task to be performed by a user and data regarding one or more rewards associated with the task. A user may then perform the task at a physical location, a virtual location, or some combination thereof to receive the reward.Type: ApplicationFiled: February 24, 2017Publication date: August 24, 2017Inventors: Dany El-Eid, Hazem Rushdi Mohamed
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Publication number: 20170243240Abstract: Disclosed are a double deozoom margin management method and a system for performing the same, which increase mutual sales among a corresponding business owner's own business and rival businesses or among heterogeneous businesses via cross promotion and sales support among heterogeneous businesses or homogeneous businesses. The double deozoom margin management system includes a web server, a deozoom margin accumulation server, and a purchase service provision server. The deozoom margin accumulation server enables deozoom margins to be accumulated among deozoom designated shops. The purchase service provision server: (i) identifies an identification code of a corresponding designated shop when a general purchase has been requested; (ii) issues and accumulates a previously agreed deozoom margin; (iii), stores a deozoom margin of a purchaser and also stores a deozoom margin for settlement when an offline purchase via a point card has been requested; and (iv) does subtraction from a deozoom margin of a member.Type: ApplicationFiled: June 24, 2015Publication date: August 24, 2017Inventors: Hyung Won SEO, Yun Jung SEO, Ye Rim SEO
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Publication number: 20170243241Abstract: Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.Type: ApplicationFiled: June 9, 2016Publication date: August 24, 2017Inventors: Cassie Boutelle, Lou Grilli, Troy Land, James Heysteck, Wade D. Murray
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Publication number: 20170243242Abstract: Embodiments of the invention provide systems, methods and devices for adding functionality to merchant sales and facilitating data collection, including: a central server for hosting content and applications, mobile devices to access said applications and interact with electronic content, and on-site devices functioning as processing and communication equipment. All of which allows advertisers to offer customized incentives, provides merchants visibility into product flow and customer behavior, and makes available to customers an electronic mobile wallet. The integrated network functions on a real-time basis, providing instant updates, billing, inquiries, sales processing, inventory tracking, and more.Type: ApplicationFiled: May 5, 2017Publication date: August 24, 2017Inventors: GARY CHAIKIN, JONATHAN HOBBS
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Publication number: 20170243243Abstract: Disclosed is a system and method for monitoring and policing online advertisements. A content provider website serves at least a first webpage having first-party content, and third-party content. Embodiments are disclosed that visit the content provider website and retrieve the webpage. Content of the website is evaluated and assigned a score. The content evaluated may be either the first-party content or the third-party content or both. If the score fails a predetermined criteria, a report is generated.Type: ApplicationFiled: February 22, 2017Publication date: August 24, 2017Inventors: Ryan Kosai, Michael Galgon
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Publication number: 20170243244Abstract: Disclosed is a digital content targeting and delivery system. The system includes an interface to receive a primary content for distribution to one or more audience groups and a content feature detector to extract content features relevant to each of one or more audience groups. A relevant audience set generator parses a pool of potential audience member records into one or more (target) audience group lists by matching extracted content features with content preference parameters/fields of taste user profiles within the potential audience member records. a derivative content delivery module delivers, to members of at least one audience group, a derivative of the primary content including content segments with content features matching at least one common preference of the members of the at least one audience group.Type: ApplicationFiled: May 9, 2017Publication date: August 24, 2017Inventors: Yohai Trabelsi, Mordechai Mori Rimon, Izhak Ben-Zaken, Ori Assaraf
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Publication number: 20170243245Abstract: Methods, apparatuses, and systems for facilitating and/or automating project specification, vendor/supplier selection, packaging/processing, and/or mailing for direct mail campaigns to deliver printed promotional material to a target audience. A project manager of a direct mail campaign electronically provides various project information (e.g., project type, design specifications and quantities of materials, mailing list(s), deadlines). Multiple authorized suppliers of services germane to direct mail campaigns (e.g., print shops, lettershops) electronically access the project information and provide respective bids to perform services required by the project, from which the project manager may select one or more suppliers to perform corresponding services.Type: ApplicationFiled: September 30, 2016Publication date: August 24, 2017Inventor: Christopher Nolan
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Publication number: 20170243246Abstract: Users' browsing histories and other online activities are commonly tracked using cookies, and employed to customize users' web experiences. In accordance with certain aspects of the present technology, microphones, cameras, and other sensors of portable computing apparatuses are employed to gather information about users' offline experiences. This information can be used—alone, or in conjunction with traditional cookie data—to enable systems to adapt their behaviors based on a fuller view of user's circumstances. In one particular arrangement, rendered content depends on previous ambient audio. A great variety of other features and arrangements are also detailed.Type: ApplicationFiled: May 9, 2017Publication date: August 24, 2017Inventors: Tony F. Rodriguez, Mark J. Petrie
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Publication number: 20170243247Abstract: Embodiments herein disclose a computer-implemented method for notifying about a price change. The method includes receiving information about a product browsed in a client application on a mobile device. Further, the method includes detecting a change in price of the product. Further, the method includes determining whether the change in price exceeds a price threshold. Furthermore, the method includes sending a push notification to the mobile device based on determining that the change in price exceeds the price threshold.Type: ApplicationFiled: April 13, 2016Publication date: August 24, 2017Inventors: Shiju Mathew, Prasanna Arunachalam, Anurag Bhoumick, Chethan Panduranga
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Publication number: 20170243248Abstract: Commerce is suggested based on sensory outputs associated with a mobile device. The sensory outputs may represent any parameter, such as physical location or visual gaze. A product in a merchant's inventor may then be recommended, based on the sensory outputs.Type: ApplicationFiled: February 19, 2016Publication date: August 24, 2017Applicant: AT&T Intellectual Property I, L.P.Inventors: Venson Shaw, Sangar Dowlatkhah, Zhi Cui
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Publication number: 20170243249Abstract: An impression estimation system for estimating visual impressions of a plurality of vehicles configured with exterior graphic messaging. A mobile device application of each of a plurality of mobile devices associated with the plurality of vehicles generates vehicle mobility data. A computational platform includes a processor and program code which, when executed by the processor, causes the processor to, with respect to each vehicle of the plurality of vehicles: (i) identify, using the vehicle mobility data, one or more of the road segments in which the vehicle was present; (ii) estimate, using the traffic volume data, a number of potential visual impressions of the vehicle within the road segments; (iii) determine an estimated number of visual impressions; (iv) generate visual impression information based at least in part upon the estimated number of visual impressions; and (v) cause display of the visual impression information.Type: ApplicationFiled: March 7, 2017Publication date: August 24, 2017Inventors: Timothy Allan Flack, Philip Chen, James Sevan Heller
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Publication number: 20170243250Abstract: Methods, systems, and devices for displaying advertisements on mobile telephone devices at the end of a call to a pre-designated number are disclosed. In aspect a computerized method comprises determining that a telephone call has been initiated between a mobile telephone device and a second telephone device, determining that the telephone number matches a campaign telephone number stored on the mobile telephone device, determining a media object to display based on the telephone number, downloading the media object on the mobile telephone device, determining that the telephone call has ended, and displaying the media object on the mobile telephone device after the telephone call has ended.Type: ApplicationFiled: May 18, 2016Publication date: August 24, 2017Applicant: mAdme Technologies LimitedInventors: Gerard Carolan, Triona Mullane
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Systems and Methods For Distributing Promotions Over Message Broadcasting And Local Wireless Systems
Publication number: 20170243251Abstract: A system and method for distributing promotions to mobile devices located in a broadcast target area and as a function of a promotion client identifier, the system and method including transmitting a first plurality of promotions associated with a plurality of promotion clients having locations in a target area, receiving a promotion client identifier, receiving the transmitted promotions, and displaying one of the received promotions on a mobile device as a function of the promotion identifier.Type: ApplicationFiled: March 2, 2017Publication date: August 24, 2017Inventors: Douglas Weiser, Mark Andrew Wood, Kevin Russell Preston -
Publication number: 20170243252Abstract: A method of displaying media content on a display screen of a communication device including a processor and a memory including program code, an application program, and a user application. The application program includes a plurality of activities associated with a plurality of display windows rendered by the display screen. The method includes receiving, at a monitoring process, status callbacks provided by an operating system of the device wherein the status callbacks relate to memory state. Values of at least one of the status callbacks are inspected wherein the at least one of the status callbacks includes a user interface (UI) state value. Based at least in part upon inspection of the UI state value, it is determined that a first activity is finishing. Media content is then displayed upon the display screen upon further determining that a predetermined condition associated with the communication device exists.Type: ApplicationFiled: March 6, 2017Publication date: August 24, 2017Inventors: Matthew Aaron Feadler, James Alex Wolfinger, Sean Robert Wagner
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Publication number: 20170243253Abstract: The present invention is an advertising exchange network that allows users to dynamically print a receipt with an advertisement and any additional information from a standard point of sale terminal. The advertisement exchange network utilizes an intercept module (IM) that interconnects between the printer and point of sale system. Upon issuance of a print command by the point of sale terminal, the IM intercepts the print command and modifies the print command to add advertising in the form of images, text, coupons, barcodes, codes, advertising information, or the like. The IM then relays the new print command to the printer which will print the receipt, advertisements, and other pertinent information, as directed by the users of the advertisement exchange network. A credit system may also be utilized to encourage advertising and exposure of the participating members. The user may also search for and retrieve a copy of the receipt online.Type: ApplicationFiled: February 24, 2016Publication date: August 24, 2017Inventor: Thomas DeBacco
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Publication number: 20170243254Abstract: A method and system for dynamically establishing content advertisements where the method comprises the steps of (a) receiving a content request from a user device where said request includes information for identifying said user, (b) obtaining the profile of the user from said identification information of the user, (c) obtaining an advertising plan for said content requested for said user based on the profile of said user and the advertising spaces available in said content where said obtainment of the plan comprises the steps of (i) selecting a first set of advertisements, the target audience of which has the same characteristics as those of the profile of said user, (ii) selecting a subset of said first set of advertisements which fulfill the following: they have not fulfilled the coverage objective or is not within the coverage range which they had fixed and they have not fulfilled the objective number of impacts or is not within the range of advertising impacts for said user, or they have fulfilled the cType: ApplicationFiled: August 21, 2016Publication date: August 24, 2017Inventor: Francisco Javier LOPEZ CANIEGO