Abstract: Disclosed herein are systems, devices, and methods that are directed to coordinating the administration of various tests, for example, drug tests, clinical tests, and/or medical tests by a screening computer system. The tests can be performed at various sites (for example, the collection site(s), lab(s), clinical testing site(s), medical testing site(s), medical review office(s), and the like). In various example embodiments, the screening computer system can exchange information between one or more computers at the various sites and a user device, for example, a cell phone associated with a patient, or a computer associated with a site, for example, a collection site.

Abstract: A system for compensation modeling includes an interface and a processor. The interface is to receive live transactional compensation data. The system processor is to determine a set of compensation assignment plans based at least in part on the live transactional compensation data, determine a compensation model based at least in part on the set of compensation assignment plans, and provide the compensation model.

Abstract: A meeting request is received that specifies a first participant account and a proposed topic for a meeting. A database is traversed to determine one or more second participant accounts for the meeting that are linked to the proposed topic. The meeting is scheduled with the first participant account and the one or more second participant accounts. The database contains data for a plurality of accounts (including the first participant account and the one or more second participant account) associated with entities, a plurality of events involving the entities, a plurality of prior topics derived from the events, and a plurality of links between the accounts, events and prior topics.

Abstract: A method and system for scheduling and managing manicure and/or pedicure appointments and payments includes: initiating a predefined electronic payment from individual consumers at predefined intervals of time, receiving appointment requests from individual consumers, routing each appointment request a manicure and/or pedicure provider, receiving messages indicating that a consumer has consumed an offered service at a manicure and/or pedicure provider, generating a human-readable spreadsheet file that lists a unique provider and a predefined payment amount, calculating a monetary transfer amount for each manicure and/or pedicure provider, and generating a NACHA-formatted file based on said spreadsheet file, wherein said NACHA-formatted file lists a unique provider, the monetary transfer amount, the provider bank account data and source bank account data.

Abstract: Techniques described herein provide contextually-aware insights into calendar events. Generally described, the techniques disclosed herein can analyze a wide variety of contextual data including, but not limited to, weather data, traffic data, location data, performance data, preference data, and scheduling data, to generate salient insights that can be automatically displayed and/or communicated to a user. Insights related to one or more calendar events may be generated in response to a discovery of a predetermined condition. A predetermined condition may be detected at the time an appointment is made or at a later time when contextual data indicates a change in one or more conditions. An insight can include a text description, an image, a graphical indicator, a generated voice, and any other suitable form of communication describing useful information regarding one or more calendar events. An insight can include ranked list of recommendations can also be displayed.

Abstract: Techniques described herein provide mechanisms for generating contextually-aware scheduling exceptions. In some configurations, when a scheduling conflict is detected, the techniques disclosed herein can utilize contextual data from a number of resources to determine if a scheduling exception can be made. The contextual data can include preferences, such as preferences of a service provider or a customer, that define criteria and/or goals. The techniques disclosed herein prioritize customers based on the contextual data and provide different scheduling options for customers and other entities based on a priority associated with individual customers. When there is a conflict between two or more calendar events, a scheduling exception can be made for some customers and a scheduling conflict can be made for other customers depending on one or more priorities associated with the customers.

Abstract: Techniques described herein provide the automation of workflow events. Input data can be processed with contextual data to generate workflow data. Workflow data can define a multi-stage process describing aspects of an orchestrated pattern of activity. In some configurations, input data indicating a calendar event can be received by one or more computing devices. The input data can include a voice input or text description indicating a desire to initiate a project, define a goal, achieve one or more metrics, etc. In response to receiving the input data, contextual data can be received from a number of resources, including specialized resources having a knowledgebase for particular topics. The techniques disclosed herein utilize the contextual data to generate workflow data that can define a multi-stage process. Calendar events, reminders and other forms of communication can be generated from the workflow data.

Abstract: Systems and methods are provided for use in evaluating automated clearing house (ACH) transactions, in connection with determining whether to post or return the transactions. One exemplary method includes receiving, at a computing device, a batch file including multiple ACH transactions and segregating, by the computing device, each of the ACH transactions. The method then includes, for each of the multiple segregated transactions, evaluating the transaction, by the computing device, relative to a first rule and directing, by the computing device, the transaction to a workbasket for human review when the transaction violates the first rule whereby the ACH transaction is submitted for human review rather than returning the ACH transaction upon the violation of the first rule.

Abstract: A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or other paper document to a digital representation and then the client systems send the digital representation over a network to the host system for storage. The host system archives the digital representation and determines the appropriate processing stream for a transaction related to the paper document (e.g. coupon, check), via a decisioning engine, based on a set of predefined stream selection rules. The host system then communicates the transaction to a back end transaction destination, according to the selected processing stream. Examples of the transaction destination can include ACH, Reproduce Paper, and Remittance.

Abstract: A method and system of revoking an attestation transaction regarding information of a user is provided. The method is implemented on a computer system having one or more physical processors configured by machine-readable instructions which, when executed perform the method, including generating a signed revocation transaction to revoke the previously attested information, wherein the information has been previously attested to in an attestation transaction stored within a centralized or distributed ledger at an attestation address, the centralized or distributed ledger providing a verifiable record of transactions; and sending the signed revocation transaction to the centralized or distributed ledger and revoking the attestation transaction by spending cryptocurrency associated with the attestation transaction.

Abstract: A system and method are provided for modeling and interpreting a modeled digital asset and its evolution with respect to the rights of a plurality of parties, the method comprising: executing an await function instance no more than once using one of at least one choice defined therein for disposition of the digital asset with respect to the rights of at least one of the plurality of parties, said await function instance incorporated upon the consent of the affected parties to fulfil a configured function instance associated with the at least one choice; executing an agree function instance that requires the consent of at least one of the plurality of parties to execute; and storing the results of the executed function instances in an append-only ledger.

Abstract: Personal financial management and bill payment system user identification data associated with users of a personal financial management and bill payment system and business invoicing system customer identification data associated with customers of user businesses of a business invoicing system is obtained and analyzed to identify users of the personal financial management and bill payment system that are customers of business users of the business invoicing system. Once a user of the personal financial management and bill payment system that is also a customer of a business user of the business invoicing system is identified, the business user of the business invoicing system is provided the capability to provide invoice data representing invoices generated by the business user of the business invoicing system to the user of the personal financial management and bill payment system through the personal financial management and bill payment system.

Abstract: Apparatus, system and method for waiving at least a portion of financial account service fees is provided. The apparatus, system and method include enrolling into a flat-fee subscription service and, resulting therefrom, waiving certain fees associated with select financial accounts linked to that subscription service. Enrollment and management of financial accounts can be performed across a network by a database manager upon a database containing not only financial accounts, but also customer profiles associated with those financial accounts.

Abstract: A cross-border payment and clearing system and a cross-border payment and clearing method that are based on the Internet and that do not depend on messages. The system and the method get rid of an existing clearing system based on messages, and high speed and low cost cross-border payment and clearing are implemented by means of communication without messages that is based on the Internet and counterparty transaction of members, and further, a trilateral clearing mode is implemented that ordinary corporations, natural persons, and the like directly submit a cross-border payment request to the clearing system, and the clearing system performs real-time payment and clearing according to a member of a payment corporate that is appointed by the clearing system or that is preferred, so that a large number of intermediate links and message transmission are omitted, and efficiency is greatly improved.

Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

Abstract: A managing unit correlates and manages a first captured image with an accounting device identifier of one accounting device designated so as to perform accounting processing of the registered commodity among accounting device identifiers for respectively identifying a plurality of accounting devices. The first captured image is a customer who asks a sales clerk operating a registration device to register a commodity. The specifying unit compares a second captured image of a customer who operates the accounting device to each first captured image, and specifies the first captured image, when the accounting device starts the accounting processing. The determining unit determines whether an accounting device identifier corresponding to the first captured image coincides with an accounting device identifier of the accounting device operated by the customer included in the second captured image.

Abstract: According to one embodiment, a face feature detection unit (biometric information detection unit) activated by a detected motion activation unit detects a face feature (biometric information). A salesperson identification unit identifies whether or not an operator of a self-checkout POS terminal is anyone of registered salespersons by comparing the detected face feature with a face feature of a salesperson registered in a salesperson master. A motion detection unit detects a predetermined motion of the salesperson. An operation mode change unit changes a mode of the self-checkout POS terminal to an operation mode corresponding to the salesperson under a condition in which the salesperson identification unit identifies that the operator of the self-checkout POS terminal is the previously registered salesperson and the motion detection unit detects the predetermined motion.

Abstract: A system and method for conducting a financial transaction is disclosed. The system includes a first memory location embedded in a personal portable device. The first memory location stores a plurality of personal financial data files associated with a user. The system also includes a second memory location to store biometric information and a first input interface to receive authentication information after initiation of a purchase transaction session. The system also includes a security module including an input coupled to the first interface to authenticate the authentication information based on the biometric information and an output interface comprising an input coupled to the first memory location and an output to provide personal financial data file information to a host device.

Abstract: A secure transaction method, system, and non-transitory computer readable medium, for authorizing a transaction between a user having a personal communication device, a service provider, and a payment provider, include requesting a distribution of a location challenge code to the service provider and a distribution of a biometric data request to the personal communication device of the user, verifying the biometric data of the user based on a match of received biometric data from the user and with biometric data of the user stored in a storage unit, verifying that the location challenge code sent from the personal communication device of the user matches the distributed location challenge code, and sending a verification of authentication of the location challenge code and the match to the payment provider.

Abstract: A system and/or method may be provided to authenticate a user. An example method of authenticating a user includes receiving, by a merchant application, a user request to complete a transaction using a payment service provider. The method also includes in response to receiving the user request to complete the transaction, retrieving, by the merchant application, a browser cookie stored on a user device and associated with one or more user interactions with a browser included in the user device and the payment service provider. The method further includes in response to receiving the user request to complete the transaction, launching, by the merchant application, an instance of the browser that reads the browser cookie and authenticates the user based on the browser cookie.

Abstract: Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly generated unique PSI without having to generate a new PAI.

Abstract: A computer-implemented method for linking a prepaid account to a compromised account for processing payment transactions using an account mapping computing device is provided. The method includes receiving a mapping request for linking the prepaid account to the compromised account. The method further includes storing a mapping entry linking the prepaid account identifier to the compromised account identifier and receiving an authorization request message representing a transaction initiated by a cardholder using the prepaid account. The method includes detecting that the received prepaid account identifier has a corresponding mapping entry stored and updating the received authorization request message by replacing the prepaid account identifier with the linked compromised account identifier.

Abstract: Various embodiments herein each include at least one of systems, methods, and software for dynamic mobile wallet items. One embodiment in the form of a method includes receiving, via a network, a dynamic mobile document request associated with a registered user and including a token associated with data to be included in the dynamic mobile document. The method may then retrieve data for the dynamic mobile document from a database based at least in part on the token and an identifier of the registered user and then continue by transmitting, via the network, the retrieved dynamic mobile document data and data indicating how the dynamic mobile document is to be provided to the registered user to a dynamic mobile document generation service, the dynamic mobile document generation service to generate and provide the dynamic mobile document to the registered user.

Abstract: The disclosed technology is directed at an application marketplace for aggregating real-money casino applications for Android, iOS, Windows Mobile, and any other mobile ecosystem. The marketplace moderates and manages promotions and operations of casino applications, for example, in connection with live events, offers, casino offers. The marketplace additionally manages actual money or digital chips in a shared digital wallet. The marketplace incorporates a system for making in-application deposits, with consistent access to stored payment methods across casino applications and centralized access to billing transaction records. The marketplace links a store application or website to an embedded software element (SDK) within third-party casino applications which facilitates both application management and deposit of funds into casino applications.

Abstract: A system for control and reconciliation of virtual token accounts is disclosed. The system may receive a request to generate a virtual token. The request to generate the virtual token may comprise a parent transaction account and an authorization control, an intelligent supplier analytic, and/or an enhanced client data record. The system may generate the virtual token, and associate the virtual token to the parent transaction account. The generated virtual token may comprise a virtual token balance and a virtual token ID, and may also comprise the authorization control, the intelligent supplier analytic control, and/or the enhanced client data record.

Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.

Abstract: An over-the-counter (OTC) transaction system comprising a computing device operable to send a transaction request to initiate a transaction; and a server operable to receive an OTC electronic transaction request from a computing device and thereafter generate a unique identifier based on the transaction request received from the computing device as part of the transaction; the server further operable to verify the transaction based on the generated unique identifier; and upon verification, process and inform the computing device a status of the transaction; wherein the verification includes comparing a portion of the unique identifier with the entries in a whitelist maintained by the server; and wherein the unique identifier is temporary and is configured to expire after a predetermined criteria is met.

Abstract: A system is disclosed that adds a layer of security to a user who wishes to access an account. The system requires the user to enter both a private PIN number and biometric data (e.g. a fingerprint, an eye scan) into a device, which will then combine the data to create a new, secure PIN. The new PIN is then used to access the account. The new PIN could also be generated using ancillary data, such as the time of the request, a request PIN sent to the device from a server, or a GPS location of the device. In other embodiments, the device itself could transmit the new PIN instead of requiring the new PIN to be entered via the user.

Abstract: Methods and systems of executing a business transaction from a commercial website are provided, including sending a request for information of the user, wherein the information has been previously attested to in an attestation transaction; receiving the information of the user; sending a cryptographic challenge nonce; receiving the cryptographic challenge nonce signed by the user's private key; verifying user identity with the cryptographic challenge nonce signed by the user's private key; deriving a public attest key by using the information of the user; deriving an attestation address using the public attest key; verifying the existence of the attestation transaction at the attestation address in the centralized or distributed ledger; and upon verification of the existence of the attestation transaction, completing the business transaction.

Abstract: A method and system for executing a business transaction from a merchant is provided, including receiving at a processor associated with the merchant a code representing information of a user, wherein the code is provided by an output device for a processor associated with the user, and wherein the information has been previously attested to in an attestation transaction stored within a centralized or distributed ledger at an attestation address; converting the code to the information of the user; deriving a public attest key by using the information of the user; deriving an attestation address using the public attest key; verifying the existence of the attestation transaction at the attestation address in the centralized or distributed ledger; and upon verification of the existence of the attestation transaction, completing the business transaction.

Abstract: A system and method for fraud prevention is provided. The computer based system and method comprises receiving a request for verification services by a merchant transmitted via an Internet browser based platform, performing a fraud assessment by a verification services tool resulting in a verification message, and transmitting a reply to the merchant via an Internet browser based platform including a verification message.

Abstract: The present invention provides a verification method and apparatus. The method comprises: receiving an operation request initiated by a user and physiologic information, of the user, collected by a device (101); determining, according to the physiologic information, whether the user is in a non-operation state (102); and when the user is in a non-operation state, processing, according to a preset rule, the operation request initiated by the user (103). By means of a technical solution of the present invention, security of an account of the user can be enhanced, and real-time protection is provided to the account of the user.

Abstract: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.

Abstract: A method for providing social network payments includes receiving a request to make a payment. The request is associated with a social network payer and a social network payee. It is determined that the social network payer is associated with a first payment provider identifier and an authorization token, and a second payment provider identifier for the social network payee is then retrieved using the authorization token. An instruction to make a payment from the social network payer to the social network payee is then transmitted to a payment service provider. The instruction includes a payment amount, the first payment provider identifier, and the second payment provider identifier. A payment alert is also adapted for a payee social network associated with the social network payee, and the payment alert is send to a social network provider device associated with the payee social network.

Abstract: A device authentication computing device for authenticating consumer computing devices used to perform online payment transactions is provided. The device authentication computing device receives cardholder device information for each of a plurality of cardholder computing devices of a cardholder and stores the cardholder device information based on a unique identifier associated with the cardholder. During an online transaction using a consumer computing device, the device authentication computing device receives an authentication request message and a unique identifier associated with the cardholder. The device authentication computing device also receives, via an Internet browser, transaction device information corresponding to the consumer computing device. The device authentication computing device compares the device information received during the transaction to the stored cardholder device information.

Abstract: A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits the amount change information to the card terminal. The electronic money card updates the amount of “VALUE” stored therein to an amount specified by the amount change information.

Abstract: A method of incentivizing secure transactions that includes receiving future travel location data and future travel time data. The method includes determining bonus multiplier information based on the travel details, where the bonus multiplier information is indicative of a bonus multiplier. The method includes transmitting the bonus multiplier information to a user computing device. The method includes receiving a transaction authorization request associated with a transaction. The transaction authorization request includes transaction location data and transaction time data, and the transaction authorization request includes a transaction amount. The method includes verifying that the transaction location data matches the travel location data and that the transaction time data matches the travel time data. The method includes transmitting an authorization response via the payment network and determining a new rewards points amount by applying the bonus multiplier to the transaction amount.

Abstract: There are provided systems and methods for leased device operations to a nearby device on detection of device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device runs out of available memory for storage and/or application execution. On detection of such a condition, the device may determine current processes a user is currently utilizing. The device may the cause another device to be located at or nearby the device, where the other device may be capable of continuing the processes utilized by the user. The device may then cause a token to be generated that identifies the processes and data for the processes. The token may be communicated to the other device so that on failure of the original device, the user may continue the processes.

Abstract: What is provided is a system, method, and article of manufacture for authenticating a mobile transaction by detecting a live person using biometric analysis. The method comprises entering user payment information into a server database, capturing at least one series of images of the user using a camera on the user's mobile computing device to measure light absorption from the illuminated skin surface or tissue of the user, analyzing the series of images to detect the presence and location of the illuminated skin surface or tissue of the first user, generating and extracting a PPG signal corresponding to the series of images, comparing the series of images from the PPG signal with predetermined values stored on the server, and displaying output data generated from the comparison of the PPG signal with the predetermined values to confirm the presence of a live human.

Abstract: A system and method are disclosed for scoring an interaction over one or more channels by an end user and an entity by monitoring the communications over the channels and assigning penalties and scores based on topics associated with the communications.

Abstract: Described is a system for identifying emerging trends in a consumer product from heterogeneous online data sources. Data extracted from heterogeneous data sources is fused, and consumer product data is identified from the fused data. A baseline distribution for consumer issues related to consumer products is generated from the set of consumer product data. A deviation value from the baseline distribution is determined for a specific consumer product. Indicators for future consumer issues regarding the specific consumer product are identified based on the deviation value. The indicators are reported to a system analyst.

Abstract: Provided are products for animal use including humans having a certificate verifying at least one of efficacy and methods of providing such certificates.

Abstract: A method for checking the validity of a ticket involves transferring information from a control entity to a mobile device. A code is computed on the basis of this information, of a derived key and of a property individual for the mobile device, the code being subsequently checked by the control entity.

Abstract: A management system comprising a single master interface giving access to at least two modules selected from a list comprising a regulatory compliance module, an injury management module, a client relations management module, an employee health and safety module, a human relations module, and a project management module. A method of providing management services from the listed modules through a single system.

Abstract: The invention relates to a system and method for analysing an activity session. Data from a monitoring device worn by a user of the system for example is received over a period of time or distance and a classification system of the invention is utilised in real time or post session to determine the activities performed by the user during the session. The data collected relates to multiple parameters monitored during the activity session. The classification system defines an activity using a set of threshold criteria for a combination of parameters and therefore identifies a particular activity performed during the activity session when a combination of monitored parameters satisfies the threshold criteria for a particular activity. Determining the activities performed in this way allows for more useful interpretation of the data which in turn leads to more effective coaching advice and feedback for the user.

Abstract: In embodiments, methods and systems for electronically capturing consumer location data for consumer behavior analysis may be provided. The location data may be gathered for one or more consumers from any suitable source. In some cases, the location data may be gathered using electronic devices associated with consumers, such as mobile phones. The gathered data may be analyzed to determine behavior patterns or other characteristics of the one or more consumers. Further, inferences or predictions about consumers may be derived based on the characteristics. The inferences and predictions may be the basis of consumer analytics supplied to a business or other entity.

Abstract: Upper and lower boundary values can be determined based on estimated gross rating point (GRP) values associated with performance of an advertising schedule in a particular market. Audience data associated with the particular market, and a de-duplication weighting can be applied to the audience data to generate weighted audience data. Based at least in part on the weighted audience data, actual GRP values can be determined, and associated with the performance of the advertising schedule in the particular market. A predicted GRP trend can be determined based on those actual GRP values. The advertising schedule can be continually adjusted, in some cases in real time, to maintain the predicted GRP trend between the upper and lower boundary values.

Abstract: An online services system provides monitoring of user interaction with third-party content. The monitoring is performed by a script in a web page provided by the online services system, which script provides a timer invoked when the browser leaves the online services system's page for a page comprising third party content. When the online services system serves the page, the browser reads the HTML to render the page, including the script with the timer. When the user leaves the online services system page, the timer begins, and when the browser returns to a page provided by the online services system, the timer ends and duration information from the timer is provided to the online services system. Applications include measurement of the quality of interaction between users and a third party advertisers, in which time spent viewing third party content is a proxy for the quality of the interaction.

Abstract: A target value of a performance metric associated with an advertising schedule can be obtained at an automated media content scheduling system. An upper boundary value indicating a value of the performance metric at which corrective action to decrease a predicted value of the performance metric is to be taken can be determined. A lower boundary value indicating a value of the performance metric at which corrective action to increase the predicted value of the performance metric is to be taken can also be determined. Information indicating the predicted value of the performance metric can be received at the automated media content scheduling system. The advertising schedule can be continually adjusted to maintain the predicted value of the performance metric between the upper boundary value and the lower boundary value.

Abstract: The present invention provides a system and method for optimizing a message. Components of a starting message are identified, and at least one rule is applied for modifying at least one message component to create at least one variation of the starting message. Message variants are tested by sending each variant to a sample of people and measuring a response rate for each sent message variant. The measured response rates are used to create an optimal version of the message. In one embodiment, message variants may be created and tested in multiple rounds.