Patents Issued in October 12, 2017
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Publication number: 20170293908Abstract: A method of electronically facilitating a commercial transaction can include displaying a first scannable code on a display of a user device, placing the user device adjacent to a scannable code reader device, scanning the first scannable code of the user device with the scannable code reader device. Further, the method can include displaying a second scannable code on the scannable code reader device, scanning the second scannable code with a camera on the user device, and displaying a digital payment scannable code to complete the commercial transaction.Type: ApplicationFiled: June 24, 2017Publication date: October 12, 2017Inventor: William A. Wadley
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Publication number: 20170293909Abstract: A portable device and an electronic payment method of a portable device are provided. For example, a portable device and an electronic payment method of a portable device capable of performing a payment by an electronic card having a card payment limit for each category of products (or services) are provided. Various example embodiments provide a portable device and an electronic payment method of a portable device capable of providing a user with a payment processing notification and a payment holding notification by an electronic card having a card payment limit for each category of one or more purchase categories before the payment is completed.Type: ApplicationFiled: April 5, 2017Publication date: October 12, 2017Inventors: Hyeseon SONG, Nalin CHAKOO, Chaekyung SHIN, Seungdoo CHOI, Young-Kyoo KIM
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Publication number: 20170293910Abstract: A wireless transaction request may be received by a vehicle from a retailer. The vehicle may validate that the vehicle is located in proximity to the retailer and may receive confirmation of the request from a vehicle occupant. The vehicle may also initiate a payment for the transaction with a server, responsive to the confirmation of the request and validation of the vehicle location. Communications between the vehicle and the retailer may be performed using Dedicated Short Range Communications (DSRC). The identity of the vehicle occupant may be confirmed using biometric sensors. The payment transaction may be performed using the Automated Clearing House (ACH) electronic network to avoid credit card interchange fees.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Inventors: Michael Robert TINSKEY, Michael SENESKI, Brian WALTER, Robert P. EATON
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Publication number: 20170293911Abstract: Embodiments described herein disclose a mobile device system for displaying contactless payment options to a user of a mobile device. A location of the device may be detected. The location may be transmitted to a payment services provider, and information indicating that the location corresponds to a merchant having contactless payment options may be received. In response, graphical depictions of payment options associated with a plurality of payment sources are displayed on a touch-sensitive display of the mobile device. A selection of one of the graphical depictions is received, and in response, one or more transceivers of the mobile device, such as one or more NFC transceivers, may be activated. The activation may cause the transceivers to transmit a personal account number to a point-of-sale terminal. Thus, the user is presented with contactless payment options based on a geographical location, and may be presented with a suggested payment source.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Inventor: Adhish N. Vyas
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Publication number: 20170293912Abstract: Systems and methods that provide improved security and scalability in digital token exchange are disclosed. A secure transaction controller may include an exchange request module, exchange matching module, and exchange execution module to facilitate the exchange of different classes of value tokens.Type: ApplicationFiled: November 10, 2016Publication date: October 12, 2017Inventors: Andreas Furche, Jelte Willem Jan Van Der Hoek
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Publication number: 20170293913Abstract: A system and method of validating and performing operations on homomorphically encrypted data are described herein. The methods include processing a secure financial transaction by receiving a transaction request to complete a financial transaction, with at least a portion of the request encrypted according to a homomorphic encryption scheme, and the transaction request comprising confidential cardholder data including an account number, non-confidential cardholder data, and transaction data, and retrieving one or more sets of encrypted comparison cardholder data encrypted according to a homomorphic encryption scheme. The confidential cardholder data is then compared to each set of the comparison cardholder data using one or more homomorphic operations to determine which set of comparison cardholder data matches the confidential cardholder data and validating the confidential cardholder data.Type: ApplicationFiled: March 24, 2017Publication date: October 12, 2017Applicant: THE GOVERNING COUNCIL OF THE UNIVERSITY OF TORONTOInventors: Glenn GULAK, Alhassan KHEDR
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Publication number: 20170293914Abstract: Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.Type: ApplicationFiled: April 11, 2017Publication date: October 12, 2017Inventors: Aparna Krishnan Girish, Parveen Bansal
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Publication number: 20170293915Abstract: Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventors: Ulf Mattsson, Yigal Rozenberg
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Publication number: 20170293916Abstract: Systems, apparatuses, and methods are provided herein for processing a merchandise return transaction. A system for processing a merchandise return transaction comprising: a user interface for allowing direct entry of information by a customer without assistance from a worker; a database; and a control circuit coupled to the user interface and the database, the control circuit configured to execute the return transaction by: obtaining from the customer identifier relating to a purchase transaction in which at least one item was previously purchased; identifying a product item from the purchase transaction to be returned; obtaining from the customer a reason for the product item to be returned; obtaining from the customer a preferred tender for the return transaction; authorizing the return; and providing instructions to the customer for returning the product item to a retail facility.Type: ApplicationFiled: April 7, 2017Publication date: October 12, 2017Inventors: Douglas Humphrys, Tina M. Kurtz
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Publication number: 20170293917Abstract: An apparatus, method and computer program product for identifying fraud in transaction data. The method includes: receiving invoice data comprising a vendor, a requestor and events, receiving public data and private data sources, computing a vendor risk score using the public and private data sources matching the vendor of the invoice data, computing a requestor risk score using the public data sources and the private data sources matching the requestor of the invoice data, computing an active invoice score using the vendor risk score and the requestor risk score and when the active invoice score is greater than a predetermined amount, blocking the invoice data. In one embodiment, computing a vendor risk score comprises obtaining a weight and a confidence for the event, calculating an event vendor risk score using the weight times the confidence and combining the event vendor risk scores for all of the events.Type: ApplicationFiled: April 8, 2016Publication date: October 12, 2017Inventors: Amit Dhurandhar, Markus Ettl, Bruce C. Graves, Gopikrishna Maniachari, Anthony T. Mazzatti, Rajesh Kumar Ravi
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Publication number: 20170293918Abstract: Authentication method to verify the authenticity of products, including associating to each product an electronic identification device having a unique identification code, selecting at least one piece of product information suitable to describe the product, associating to each identification code at least one respective and unique encryption key, encrypting the identification code and the product information, storing the encrypted content in the memory of the electronic identification device, obtaining the identification code and the encrypted content from the electronic identification device, decrypting the encrypted identification code using the encryption key corresponding to the obtained identification code, in case of correspondence between the decrypted identification code and the obtained identification code, decrypting the encrypted product information using the encryption key.Type: ApplicationFiled: April 7, 2017Publication date: October 12, 2017Inventor: Emanuele BERTOLI
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Publication number: 20170293919Abstract: A method and system are provided. The method includes converting, by a computer having a processor and a memory, categorical sequence data for a customer journey into a numerical similarity matrix. The method further includes learning, by the computer, features of the customer journey by applying a distance metric learning based matrix factorization approach to the numerical similarity matrix.Type: ApplicationFiled: April 11, 2016Publication date: October 12, 2017Inventors: Hongfei Li, Anshul Sheopuri, Jinfeng Yi, Qi Yu
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Publication number: 20170293920Abstract: A system and method for providing airline passenger satisfaction survey information and verifying location of the device completing the survey.Type: ApplicationFiled: April 6, 2017Publication date: October 12, 2017Inventor: Joe Leader
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Publication number: 20170293921Abstract: A demand response management system having a participation predictor. There may be a storage device having information collected about past behavior, related to participation in a demand response program, about a customer. The information may incorporate determining a period of time since the customer last participated in a demand response program, a frequency of participation in demand response events by the customer, and a size of energy loads of the customer. A model of the customer may be developed from this and other information. A processor may be used to collect and process the information, develop a model, and to make a prediction of a customer's being selected to participate in an event based on the various operator selectable criteria.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventors: David J. McCurnin, Nicholas Dalsin, Seth Rourke, Edward Koch
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Publication number: 20170293922Abstract: Techniques for messaging agent coordination are described. In one embodiment, an apparatus may comprise a commerce intermediary server operative to receive a commerce interface control selection in a user-to-user message thread interface on a client device, the user-to-user message thread associated with a user-to-user message thread for a plurality of users with a messaging system; display a commerce interface in association with the user-to-user message thread interface, the commerce interface comprising a plurality of commerce configuration options; receive a commerce option share control selection in association with the commerce interface; and share the plurality of commerce configuration options with the user-to-user message thread. Other embodiments are described and claimed.Type: ApplicationFiled: December 29, 2016Publication date: October 12, 2017Inventors: Seth Garrett Steinberg Rosenberg, Aditya Gopal Bhandarkar, Yoram Talmor, Jeremy Harrison Goldberg, Mikhail Larionov, Jessica Lee, Nicolas Andrij Bushak
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Publication number: 20170293923Abstract: A system to assist users with the selection of and participation in wellness programs. The system assists a user in selecting wellness programs by recommending a curated set of wellness programs to the user. In recommending a curated set of wellness programs that a user can select, the system analyzes several factors. Some of the factors used in recommending wellness programs include user data, a population segment associated with a user, sponsor criteria, the likelihood that the user will be successful in recommended wellness programs, and user preferences.Type: ApplicationFiled: April 12, 2016Publication date: October 12, 2017Inventors: Jeffrey H. Margolis, Travis McElfresh, Jeff Cohen
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Publication number: 20170293924Abstract: A data exchange facilitator utilizes a designated webserver to assist in the electronic exchange of consumer data between a plurality of consumers and a plurality of data purchasers. Each consumer continuously uploads data, such as personal information and purchasing preferences, onto a designated consumer profile page hosted by the webserver. Certain content provided by each consumer is restricted for access by data purchasers based on temporal and financial terms, which are initially stipulated by the consumer but remain negotiable between parties. Once the terms for such content are mutually agreed upon by both parties, the webserver provides access to the content and initiates the required payment transaction through a designated financial processing service. To authenticate the veracity of consumer data prior to purchase, the data exchange facilitator engages in a verification process and marks properly authenticated consumer profiles with an appropriate identifier.Type: ApplicationFiled: April 11, 2017Publication date: October 12, 2017Inventor: Frank A. Muzio
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Publication number: 20170293925Abstract: In one embodiment, a method comprises receiving, at a server comprising at least one processor, a transportation request from a computing device of a passenger, the transportation request specifying a pickup location; and determining, by the server, a surge pricing multiplier and a surge pricing cap for the transportation request based on the pickup location, the surge pricing cap representing a maximum amount of a fare for the transportation request that is subject to a surge pricing surcharge.Type: ApplicationFiled: October 11, 2016Publication date: October 12, 2017Applicant: GT Gettaxi LimitedInventors: Sunny Marueli, Talmon Marco, Igor Magazinik
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Publication number: 20170293926Abstract: A method for generating a controlled payment number using reward value is described. The method includes receiving a redemption request including a specific account identifier and a reward amount; validating a reward balance included in a specific account; generating a controlled payment number request that includes at least the specific account identifier and a currency amount based on the reward amount; electronically transmitting the generated controlled payment number to a computing device to generate a controlled payment number.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventor: Kyle Patrick CLARK
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Publication number: 20170293927Abstract: A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventor: Kyle Patrick CLARK
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Publication number: 20170293928Abstract: A method and program product includes accessing a customer account on a server system. A revolving list of tasks associated with the customer account is received. The revolving list of tasks at least includes a plurality of businesses and at least one action to be completed for each business. The plurality of businesses are selected by the server system from a group of associated businesses using a selection algorithm. The selection algorithm at least in part uses a random selection. A completion of a one of the tasks is communicated, wherein the server system removes the task from the list creating an empty slot, and assigns a reward to the customer account.Type: ApplicationFiled: April 12, 2016Publication date: October 12, 2017Inventor: Peter Jenson
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Publication number: 20170293929Abstract: A system includes an offer datastores including one or more offers from one or more merchants, a registered card module to register one or more payment cards to be used for a purchase transaction, a transaction matching module to identify the one or more merchants from a collection of purchase transaction data and to match the purchase transaction of the identified one or more merchants with one or more offers in the offer datastore from the identified one or more merchants, and a rewards module to determine an incentive to be applied to the one or more payment cards based on any offer associated with the matched merchant and generate a qualified transaction data to be transmitted to an issuer of the one or more payment cards.Type: ApplicationFiled: April 15, 2017Publication date: October 12, 2017Inventors: Yong-chul C. Kim, Isabella Chung, Thomas Fuller, Nettana Samroengraja, John Duncan
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Publication number: 20170293930Abstract: A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and validating a transaction account related to the identified specific account profile for eligibility of a rebate based on at least the included account balance and a cost value included in the real-time message.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
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Publication number: 20170293931Abstract: A method for determining rebate eligibility of an electronic transaction is described. The method includes identifying an account profile based on a received transaction message; generating a reward cost based on reward rules; and determining eligibility for reward usage by the transaction account related to the identified specific account profile based on a correspondence between a stored reward value and the generated reward cost.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
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Publication number: 20170293932Abstract: A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventor: Kyle Patrick CLARK
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Publication number: 20170293933Abstract: Server side content impression progression tracking is performed using ping triggers and pings. A server generates ping triggers for content based on an impression list from a configuration provided by the content originator. The server sets different times at which the ping triggers are to fire during content playback. When media playback on a client reaches a time set for a ping trigger, the ping trigger causes the client to return a ping to the server to indicate that playback has reached the designated time. In this manner, the pings granularly track content viewership on different clients, wherein the granular tracking measures not only whether content was viewed or not, but also how much of the content was viewed. Subsequent content to a particular client can be customized based on preferences derived from pings tracked from the particular client.Type: ApplicationFiled: April 12, 2016Publication date: October 12, 2017Inventors: Nathan James Edwards, David Frederick Brueck
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Publication number: 20170293934Abstract: A method for determining effectiveness of placing promotion information includes: characteristic information sent by multiple terminals is received to obtain multiple pieces of characteristic information, the characteristic information being obtained by monitoring promotion information by the terminals respectively and the characteristic information including specified accounts of a social application or terminal information; statistics on a total number of exposures of and a total number of clicks on the promotion information is made based on the characteristic information; user attributes corresponding to the terminals are determined to obtain multiple user attributes based on the characteristic information; statistics on a number of hit exposures of the promotion information is made based on the multiple user attributes and a target user attribute of the promotion information; and effectiveness of placing the promotion information is determined based on the number of hit exposures, the total number of expoType: ApplicationFiled: June 23, 2017Publication date: October 12, 2017Inventors: Lin Huang, Yuanhai Tang, Kongsuo Yang
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Publication number: 20170293935Abstract: A third party company (also referred to as an ad server) provides an advertiser with computer code to place on the advertiser's web pages. The web page's code is configured to provide the ad server read and write access to an advertiser's first party cookie on a user's web browser. A user interacts with an ad on a mobile application or third party web page. Based on the user's interaction with the ad a URL containing a web address and ad instance information are sent to the user's web browser. The user's landing page associated with the URL contains code for retrieving the ad instance information and storing it in a first party cookie. When the user navigates to a purchasing page and purchases a product, the code contained in the purchasing page retrieves the ad instance information from the first party cookie and sends it to the ad server.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventors: Mark Charles Torrance, Michael Jared Benisch, Rajaraman Periasamy
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Publication number: 20170293936Abstract: This specification describes technologies relating to content presentation. In general, one aspect of the subject matter described in this specification can be embodied in methods that include the actions of identifying advertisements that are candidates to be provided within an advertising slot of the content segment, determining, based on respective bids, and the exposure interval, which advertisement will generate greater revenue within the advertising slot, and, providing such an advertisement in the advertising slot. Other embodiments of the various aspects include corresponding systems, apparatus, and computer program products.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventors: Momchil Filev, Martin Freund
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Publication number: 20170293937Abstract: An instant message sender user interface for an instant messaging communications session involving an instant message sender and an instant message recipient is rendered, the user interface including a conversation window. User input is entered by the instant message sender through manipulation of the user interface, the user input including data for transmission as an instant message from the instant message sender. An instruction by the instant message sender to send the data to the instant message recipient based on manipulation by the instant message sender of the user interface is resolved. Display of advertising content on the user interface is triggered responsive to the instruction by the instant message sender to send the data to the instant message recipient. The advertising content is displayed in the conversation window during at least a portion of the time that the instant message sender awaits a reply from the instant message recipient.Type: ApplicationFiled: June 23, 2017Publication date: October 12, 2017Inventor: Orey Gilliam
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Publication number: 20170293938Abstract: A sponsoring brand may provide an application for mobile devices that allows users to take pictures of competitor advertisements and that provides responses to any assertions found in the competitor advertisements. The application may instruct a user to capture an image of an advertisement. Various types of detection and/or recognition components may be used to analyze the image to detect and recognize assertions, logos, and other objects or characteristics. The application then displays the image, and also displays responses or commentary relating to any assertions, logos, objects, or characteristics. The responses may point out errors, exaggerations, misstatements, deceptive statements, etc., and may also contain information that promotes the sponsoring brand.Type: ApplicationFiled: April 7, 2017Publication date: October 12, 2017Inventors: Deborah Escher, Michael Miller
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Publication number: 20170293939Abstract: A social sponsor method using a social network service and credit card payment information is provided.Type: ApplicationFiled: September 30, 2015Publication date: October 12, 2017Inventor: SUK HWAN YEOM
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Publication number: 20170293940Abstract: Document consumption and value add service techniques and systems are described. In one example, a digital medium environment is configured to control availability of a value add service to consumers of a document. Consumption data is collected from a plurality of client devices. The consumption data describes characteristics of consumption of the document by respective client devices. A readership index is calculated that describes an amount of overall consumption of the document by the plurality of client devices. Responsive to a determination by the computing device that the readership index has exceeded a threshold, the value add service that relates to the document is exposed for interaction by at least one of the plurality of client devices.Type: ApplicationFiled: April 11, 2016Publication date: October 12, 2017Applicant: Adobe Systems IncorporatedInventors: Anurag Aggarwal, Ajay Jain
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Publication number: 20170293941Abstract: A system for generating electronic advertisements for wearables customized for a selected user on a network, the system including a first server configured to receive requests from a device to share wearables with the selected user on a network; a first server coupled to receive requests for advertisements from the first server and communicate to the selected user on the network, the second server comprising: a first database configured to store a plurality of user models, each user model being a three-dimensional model of a portion of a human body; a second database configured to store a plurality of wearable models, each wearable model being a three-dimensional model of a wearable; a third database configured to store advertising campaigns; a processor configured to: receive a three-dimensional model of a portion of a human body and the model of the wearable for an associated user; morph the clothing to fit the personalized data for the target user in response to the sharing request; and render the image ofType: ApplicationFiled: February 17, 2017Publication date: October 12, 2017Inventors: Kevin P. Acken, Warangkana Tepmongkol
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Publication number: 20170293942Abstract: Certain embodiments may relate to presenting advertisements in a virtualized environment. A method and apparatus may be provided. The method may include generating, by a virtual reality device, a virtualized environment for a user. The method may also include inserting an advertisement within the virtualized environment. The method may further include determining that the user has viewed the inserted advertisement. The method may also include determining a response of the user when the user views the inserted advertisement. The method may further include storing the response of the user.Type: ApplicationFiled: April 12, 2017Publication date: October 12, 2017Inventor: Giovanni COGLITORE
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Publication number: 20170293943Abstract: An apparatus and a system of improvement of advertisement targeting through embedded scripts in supply-side and demand-side platforms are disclosed. In one embodiment, a method of a client device includes applying an automatic content recognition algorithm to determine a content identifier of an audio-visual data. The client device then associates the content identifier with an advertisement data based on a semantic correlation between a meta-data of the advertisement provided by a content provider and/or the content identifier. The advertisement targeting may be improved when a script is embedded in the client device, a supply-side platform, and/or a data provider integrated with the supply side platform, to execute arbitrary cross-site scripts in the sandboxed application of the client device. The content identifier may be obfuscated in a manner that it is relevant to a particular demand-side platform to eliminate a need to query the provider of the content identifier on a per ad-spot basis.Type: ApplicationFiled: April 28, 2017Publication date: October 12, 2017Inventor: David Harrison
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Publication number: 20170293944Abstract: In one embodiment, a method includes accessing data about past performance of an online advertising campaign with respect to one or more online-advertising metrics; generating a first visualization of the past performance of the online advertising campaign as a function of an independent variable and a second visualization of past bid adjustments for online advertisements in the online advertising campaign corresponding to the past performance of the online advertising campaign as a function of the independent variable; receiving user input from a user specifying future bid adjustments for online advertisements in the online advertising campaign relative to the past bid adjustments as a function of the independent variable; and applying the user input to future bid adjustments for online advertisements in the online advertising campaign relative to the past bid adjustments as a function of the independent variable.Type: ApplicationFiled: April 12, 2016Publication date: October 12, 2017Inventors: Manas Garg, Geetanjali Tyagi, Frederick Vallaeys
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Publication number: 20170293945Abstract: Based on a method provided in the embodiments of the present disclosure, a control plane device sends an advertisement message to a forwarding plane device, and the forwarding plane device buffers the advertisement message and sends the buffered advertisement message to a host, thereby avoiding excessive signaling interactions between the control plane device and the forwarding plane device, so as to improve implementation efficiency of the control plane device and the forwarding plane device, and improve performance of the control plane device and the forwarding plane device.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventor: Yan Li
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Publication number: 20170293946Abstract: The present invention includes a process and system for assessing home modifications. The assessment may relate to value or risk. A formatted realty schematic database retains electronically modifiable database that uses a gateway both to provide and receive realty fixture information to third parties.Type: ApplicationFiled: April 11, 2016Publication date: October 12, 2017Inventor: Mazin Badawi
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Publication number: 20170293947Abstract: A method and system for operating a reputation sharing system is disclosed. The method includes detecting an object of interest at an augmented reality system. The method also includes receiving user annotation information, detecting and preparing object recognition information, and detecting and preparing motion information associated with the object of the interest at the augmented reality system. The augmented reality system sends a set of information associated with the object of interest to a reputation service. The set of information includes the object recognition information, the motion information, and the annotation information.Type: ApplicationFiled: August 14, 2015Publication date: October 12, 2017Inventor: Mona Singh
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Publication number: 20170293948Abstract: A system for processing and filtering donation information received from a donor, the system having a processor. Data indicative of a donation request transmitted to the processor over the internet. A database stores the data that includes a plurality of fields. A funds transfer request generated based on the data and associated with an entity identifier is generated by software executing on the processor. The software compares the address of the entity with the address field to generate a first data set having a plurality of records. Records may include address field when the entity and donor are from the same state, records exclude address field when entity and donor address are of different states. The data set is associated with the entity by the entity identifier and is accessible by a computer associated with the entity identifier.Type: ApplicationFiled: June 27, 2017Publication date: October 12, 2017Inventor: David G. Drake
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Publication number: 20170293949Abstract: Techniques for dynamically pricing perishable goods. The objective is to sell all items before any remaining items become worthless. The method comprises: monitoring a time parameter T corresponding to period T0 to Tn; if T<Tn, periodically updating current price Pcurrent for an item; in response client's interest, offering a temporarily fixed price Pfreeze=Pcurrent for a freeze period ?Tfreeze; updating Pcurrent in response to offering the fixed price Pfreeze; accepting a purchase order for the item at Pfreeze if purchase order received within the freeze period ?Tfreeze; rejecting the purchase order after the freeze period ?Tfreeze; updating Pcurrent in response to receiving an accepted and/or rejected order; and repeating at least some of the above the acts until T equals maximum time Tn.Type: ApplicationFiled: June 27, 2017Publication date: October 12, 2017Applicant: ECONOMEMETICS ABInventor: Anders Goran EKHOLM
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Publication number: 20170293950Abstract: Various embodiments of a system, methods, platform, database, search engine, device & marketplace for enabling on-demand service providers to list & present on-demand services to contextual prospective on-demand service consumers on user interface or real-time updated map for enabling prospective or searching on-demand service consumers to search, match, filter, view, select and/or select one or more contextual user actions, send, accept or reject request(s), send indication(s) of interest to consume services directly to one or more service providers via on-demand service(s) server(s) and/or enable to view approximate time and/or distance to reach or arrive service provider(s) or user(s) and/or optionally enable to verify, view user or service provider or service profile, compare, negotiate, bid, provide or notify various status, confirm, consume, communicate, rate & review service provider(s) and/or user(s).Type: ApplicationFiled: June 28, 2017Publication date: October 12, 2017Inventor: Yogesh Rathod
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Publication number: 20170293951Abstract: A system for automatic categorization and assessment of billing narratives has a semantic engine that classifies billing entries with descriptions expressed in natural language into standardized categories of activity and task objective. The classification is by machine learning methods via training data that is maintained, updated and extended as needed. A rules engine applies rules to the categorized invoice data to analyze the data, report violations to a user/consumer of billed services and to perform related calculations.Type: ApplicationFiled: April 7, 2017Publication date: October 12, 2017Inventors: Ian Nolan, Alex Kelly, Ciaran Flood, Sean Harrison, Michael Dineen
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Publication number: 20170293952Abstract: A system and method for facilitating verification and exchange of halal products related information between geographically dispersed trading partners has been disclosed. The system interfaces with external authorization bodies to integrate trade related information of a product with its associated halal certificate information for verification of the halal products. The integrated information is available to trading partners for addressing supply chain issues of halal products. Thereby, the system plays a crucial role of ensuring that heterogeneous certificate information is captured, verified and converted into a format suitable for use with trade related information, for automatic synchronization of product specification and halal certification information between trading partners.Type: ApplicationFiled: April 10, 2017Publication date: October 12, 2017Inventor: Amnah Binti SHAARI
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Publication number: 20170293953Abstract: One embodiment is directed toward a process for a merchant inspection, where a guaranteed shopping server inspects online merchants to ensure they are reliable, financially stable, and committed to providing a great online shopping experience to the buyer/user. Next, this service monitors merchants on a regular basis, to ensure they deliver on their terms of sale, thus assuring purchasers of an overall safe online experience. Next, the guaranteed shopping service provides, a guarantee for added peace of mind for the purchaser. In accordance with one embodiment, a guarantee is provided to the buyer including ID theft protection, a purchase guarantee and a lowest price guarantee. As with other type of guarantees, certain restrictions and terms may apply. If a buyer does experience a problem with an online merchant, a benefit claim can be made and once the claim is validated, guaranteed shopping coverage can apply.Type: ApplicationFiled: June 23, 2017Publication date: October 12, 2017Inventors: Jeffrey Elton GRASS, Michael John BEVERIDGE, Robert Thomas KODEY, Shane Allen LUNDY, Marc MOREL, Kenneth Nathan QUAM
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Publication number: 20170293954Abstract: Techniques for a messaging agent platform are described. In one embodiment, an apparatus may comprise a intermediary server operative to send a page-scoped identifier to a front-end application, the front-end application associated with an entity, the page-scoped identifier identifying a user account with a messaging system in relation to a representation for the entity within the messaging system; receive a user information request from a contact application at the intermediary server, the contact application associated with the representation for the entity within the messaging system, the user information request for the page-scoped identifier; determine a user access consent setting for the page-scoped identifier for the user account; and send a user information data package to the contact application in response to the user information request when the user access consent setting for the page-scoped identifier indicates user consent. Other embodiments are described and claimed.Type: ApplicationFiled: December 29, 2016Publication date: October 12, 2017Inventors: Seth Garrett Steinberg Rosenberg, Aditya Gopal Bhandarkar, Yoram Talmor, Jeremy Harrison Goldberg, Mikhail Larionov, Jessica Lee, Deniz Demir
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Publication number: 20170293955Abstract: Techniques for messaging agent customization are described. In one embodiment, an apparatus may comprise a commerce intermediary server operative to receive a commerce message package from a commerce messaging application, the commerce messaging application associated with a commerce entity, the commerce message package addressed to a message thread with a messaging system; determine commerce access privileges for the commerce messaging application in association with the message thread; send the commerce message package to a client device associated with the message thread when the commerce access privileges indicate access to the message thread; and reject the commerce message package when the commerce access privileges reject access to the message thread. Other embodiments are described and claimed.Type: ApplicationFiled: December 29, 2016Publication date: October 12, 2017Inventors: Seth Garrett Steinberg Rosenberg, Aditya Gopal Bhandarkar, Yoram Talmor, Jeremy Harrison Goldberg, Mikhail Larionov, Jessica Lee, Nicolas Andrij Bushak
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Publication number: 20170293956Abstract: A system and method is disclosed having at least one sensor operable to detect a presence of a consumer in a retail environment and at least one database storing personal information of the consumer and a plurality of sales representatives employed by the retail environment. The personal information includes at least one of a personality profile based on data from at least one social network system and text communications, photographic data, and video data on the social network system. A computing device is also provided that includes at least one processor and at least one network connection. The processor is operable to compare the personal information of the consumer with the personal information of each of the plurality of sales representatives and select one of the plurality of sales representatives to service the consumer based on the comparison.Type: ApplicationFiled: June 26, 2017Publication date: October 12, 2017Inventors: Marc Anthony Fecker, David Michael DiMeo
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Publication number: 20170293957Abstract: A method and system for manufacturing a custom designed container or package and an insert received in the container or package by selecting a size of the container or package using a size graphical user interface of a graphical user interface displayed on a display device. The custom foam insert can be designed using an insert shape graphical user interface displayed on the display device. The custom foam insert includes one or more cavities corresponding to respective one or more features of one or more objects to be retained in the container or package.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Inventors: Matthew ADLER, Jeffrey CHOOKAZIAN