Abstract: A payment switching method includes displaying a display interface of virtual cards after receiving an interface displaying instruction by a first terminal. The display interface of the virtual cards displays at least two payment modes, one of the at least two payment modes being a currently selected payment mode. The method also includes determining a target payment mode from the at least two payment modes according to a detected payment switching operation and switching from the currently selected payment mode to the target payment mode. The method further includes performing a payment based on the target payment mode.

Abstract: A system and method are disclosed that methodologies concerning cryptographically verified blockchain-based contract data inputs and off-chain side-effects. The system and method provide a deterministic and cryptographically verifiable chain of transactions, recorded on a blockchain (distributed ledger) system. This system provides an irrefutable public accounting of the transactions involved in incorporating on-chain contract execution with off-chain data and side-effects (resource actions).

Abstract: The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: A system and method for providing information utilizing hyper-location to determine what types of or the content of relevant information to display to one or more end users. In various embodiments, the hyper-location is determined from or transmitted by beacons that communicate with portable electronic devices carried by the end users. The hyper-location information may be specific geographic locations of the beacons and or end users or may be specific locations relative to other locations, such as a position within a store or venue.

Abstract: A computer-implemented method of exchanging cash for electronic payment is disclosed. The method includes the steps of registering a first payment account with a money exchange server using a first user computing device, establishing communication between the first user computing device and the money exchange server, and transmitting a request for cash. The method also includes the steps of establishing communication between the money exchange server and a second user computing device providing access to a second payment account, where the second payment account is associated with a second user, transmitting the request for cash to the second user computing device, and accepting the request via the second user computing device. The method further includes the steps of transmitting an acceptance message from the second user computing device to the money exchange server and location information of the first user computing device to the second user computing device.

Abstract: The various embodiments described herein include methods, devices, and systems for authenticating users. In one aspect, a method includes (1) obtaining a facial image for each of a plurality of verified participants; (2) obtaining a request to authenticate a user as a particular participant; (3) selecting a subset of facial features for use in authenticating the user; (4) generating verification data by encoding, from the facial image of the particular participant, the selected subset of facial features; (5) transmitting a request to a device of the user to generate encoded facial image data from the selected subset of facial features of the user; (6) receiving the encoded facial image data in response to the request; (7) determining whether the user is authenticated based on a comparison of the received encoded facial image data and the verification data; and (8) generating an authorization indicator in accordance with the determination.

Abstract: There is provided a data processor implemented method and system for making payment to activate a mode of a service station. The method and system are enabled through use of service and payment tokens.

Abstract: A method, executed by a processor of a mobile communication device, for authenticating a purchase transaction includes receiving a certificate from a purchase agent and authenticating the purchase transaction based upon a comparison outcome of the certificate and a Flash Physical Unclonable Function (F-PUF) of a nonvolatile memory device integrated within the mobile communication device.

Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.

Abstract: A method begins with a server in a data communication system establishing an initial validity of an exchange item that includes data regarding a quantifiable value, a serial number, and issuance information, where the initial validity authenticates the exchange item and the data. The method continues with the server executing a secure custody protocol to establish that a first computing device has secure custody of the exchange item and to maintain validity of the exchange item. The method continues with the server transferring the secure custody of the exchange item from the first computing device to the server or to a second computing device. When the exchange item is in the secure custody of the server the method continues with the server modifying the data of the exchange item to produce a modified exchange item and transferring secure custody of the modified exchange item to the first computing device.

Abstract: An automated payment method performed by an automated payment system include: receiving a payment request for a home shopping order from a user of a home shopping server associated with a home shopping broadcast; performing, in an authentication processor, authentication processing on the user based on a user information included in the payment request; and performing, in a payment processor, payment processing corresponding to the payment request based on the user information in response to successful authentication of the user.

Abstract: Systems and methods for providing a secure key based trust chain among several user devices are disclosed. An example method includes, obtaining a first request to authenticate a user on a first user device based on a user identifier; in response to the obtaining, transmitting to, a second user device, a second request to authenticate the user on the first user device. The second user device is a trusted user device on which the user has been authenticated. The method further includes, obtaining an indication that the user has approved the second request on the second user device without providing a password corresponding to the user identifier; and in response to obtaining the indication, authenticating the user on the first user device without requiring, from the user, the password corresponding to the user identifier.

Abstract: A secure payment-protecting method includes monitoring an operation status of an electronic device and, in response to determining the electronic device is in a paying state, determining whether the electronic device is in a secure environment.

Abstract: A system and method for verifying the presence of a live, real individual when performing a mobile payment transaction in a more convenient and accurate manner. The system includes a mobile computing device, the mobile computing device comprises at least one light source configured to emit light through a body part of a user of the mobile computing device; at least one light sensor configured to measure reflected light from the at least one light source reflected off of blood vessels within the user; and a camera configured to capture at least one image or vide of the user to obtain a measurement indicative of changes in blood volume based on the measured reflected light and at least one image or video of a payment instrument of the user.

Abstract: An electronic device includes a communication module comprising communication circuitry, a memory for storing information about at least one payment means, and a processor. The processor is configured to: receive, using the communication module, identification information about a first external electronic device and order information in connection with a payment from the first external electronic device. Also, the processor is configured to transmit, using the communication module, information about a portion of an amount corresponding to the payment, the identification information, and the order information to a second external electronic device for paying the portion such that the second external electronic device transmits first authentication information for the portion to a third external electronic device capable of performing authentication for the payment.

Abstract: The subject matter disclosed herein provides methods for processing a dispute alert. The method may include receiving a dispute alert that includes a first plurality of transaction descriptors associated with a disputed transaction; executing a first web service request to retrieve a first recorded transaction from a customer relationship management system, wherein the first recorded transaction is associated with a second plurality of transaction descriptors; determining whether the disputed transaction matches the first recorded transaction at least by generating a weighted sum of at least one transaction descriptor from the first plurality of transaction descriptors that matches a transaction descriptor from the second plurality of transaction descriptors; and when the disputed transaction is determined to match the first recorded transaction, executing a second web service request to cause the customer relationship management system to issue a refund for the disputed transaction.

Abstract: A method for access control in an access control system for vehicles is proposed comprising at least one access control device, in the context of which by a display device of the at least one access control device facing an incoming vehicle in the access direction, a unique text assigned to the respective access control device is displayed which, due to the design and/or arrangement of the display device, is only visible in a defined area around the access control device. Under normal operating conditions, only one vehicle can be located in the defined area around the access control device. The displayed text is used to control the access control device in accordance with data transmitted to the access control system by a mobile electronic device (1), into which the text is dictated by a user.

Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

Abstract: Rapidly handling large data sets can be a challenge, particularly in situations where there are millions or even hundreds of millions of database records. Sometimes, however, a service level agreement necessitates that a service return a response to a query in a small amount of time. Database organization techniques can be used that reduce potentially large datasets to smaller groups (neighbors) based on uncommon but shared attributes, in various instances. Using a limited set of related records, queries can be answered using a focused approximation based on characteristics of various identified clusters of records in the set of related records. A particular record may also be associated with an existing cluster of records based on that record's similarities to records in the cluster.

Abstract: Computer-implemented methods and systems are provided for generating a distributed representation of electronic transaction data. Consistent with disclosed embodiments, generation may include receiving electronic transaction data including first and second entity identifiers. Generation may also include generating an output distributed representation by iteratively updating a distributed representation using the electronic transaction data. The distributed representation may include rows corresponding to first entity identifiers and rows corresponding to second entity identifiers. An iterative update may include generating a training sample and an embedding vector using the components and the distributed representation; determining, by a neural network, a predicted category from the embedding vector; and updating the distributed representation using the predicted category and the training sample.

Abstract: The present invention provides a system for receiving transaction requests from a financial institution, the system comprising i) a plurality of servers connected over a network, wherein each server comprises a storage unit configured to store a settlement risk position which is the sum of the value of previously processed transaction requests over a period of time, a debit cap value associated with the financial institution, an adjustment value and a new transaction request having a transaction value, wherein the debit cap value stored in each server is determined in accordance with the total debit cap attributed to the financial institution and the number of servers in the system; ii) communication circuitry configured to receive the adjustment value over the network, the adjustment value being determined as the average, value of the settlement risk position across the plurality of servers; and iii) control circuitry configured to determine whether the debit cap has been exceeded by comparing tire debit cap

Abstract: The method for executing remote electronic authentication uses a user computer/mobile device (20) with an user image acquisition device (21) and uses an authentication related server computer (30) having a server related display (21) and a server input device (22). In a connecting step the user computer (20) is connected with the server computer via a communication line (40), wherein the user computer (20) retrieves images and video sequences taken by the user image acquisition device (21) and transmits this information to the authentication related server computer (30).

Abstract: A mobile electronic device for authenticating a user involved in a transaction and a method thereof is provided. The mobile electronic device includes a biometric sensor, a user interface configured to PIN or other secret information known to the user, and one or more processors configured to authenticate the user based on the user input, authenticate the user based on the biometric information, retrieve identification information including mobile device and user account information, and generate a one-time authentication code specific to the transaction.

Abstract: An automated process to determine whether an image has been modified includes receiving an image (e.g., via a web portal), requesting an image validation service to analyze the image to determine whether the image and/or a subject depicted in the image, has been modified from its original form and, based on the analysis of the image validation service, outputting a likelihood that the image has been modified. The image validation service may analyze the image using one or more operations to determine a likelihood that the image has been modified, and provide an indication of the likelihood that the image has been modified to the web portal. The indication of the likelihood that the image has been modified may be presented on a display via the web portal, and various actions may be suggested or taken based on the likelihood that the image has been modified.

Abstract: A system and method for investigating an issue may include defining a set of phrase categories; associating each of a set of recorded interactions with at least one phrase category; receiving a selection of a first time interval and a second time interval; selecting a reference phrase category; calculating, for at least some of the phrase categories in the set of phrase categories a correlation differential based on a trend of the phrase category and a trend of the reference phrase category and, if a correlation differential of a category is larger than a threshold then including the category in the reference category.

Abstract: An interaction manager assigns messages posted on a social media website to a support case in a database system. A support agent may tag a message posted by a user for directing to the support case. The interaction manger assigns the tagged message to the support case and activates a timer to track a time period. During the time period, the interaction manager assigns other messages posted by the same user to the support case. The interaction manager may reset the time period whenever the support agent replies to one of the messages posted by the user or the support agent tags another one of the user messages for directing to the support case. The interaction manager reduces the burden of having to manually review and manage every message posted on the social media website.

Abstract: A method for communicating with an under-test object and a communicating system are provided. The method includes the following steps. A command signal is provided from a processing unit of the communicating system to the under-test object, and the processing unit waits for receiving a response signal from the under-test object. If the response signal from the under-test object 5 has not been received by the processing unit for a predetermined waiting time period, the command signal is provided to the under-test object again and the predetermined waiting time period is adjusted. There is an exponential relation between the predetermined waiting time period and the number of times the command signal is provided to the under-test object.

Abstract: Techniques to receive, process and store multi-media files for law enforcement purposes are described. Transaction techniques and message digest techniques are used to ensure secure and guaranteed upload of multi-media files. Files are integrated with police case management databases. A workflow map, reporting, and statistics modules enable an administrator to detect network congestion, file corruption and other problems during uploading multi-media files. Various use cases, notably chain of custody applications are described using the transacted file upload techniques as a platform.

Abstract: Databases storing digital fingerprints of physical objects enable enhanced security and collaborative authentication. Digital fingerprints enable reliable identification of an object without the need for attaching or associating physical tags, labels or other identifying materials with the object; and serialization for identification also is obviated. By combining digital fingerprinting and data collaboration in one process, parties to the data collaboration can gain a level of certainty that data attributed to an object by different parties or at different times is attributed to only that object and not erroneously attributed to an incorrect or counterfeit object. Collaborative authentication platforms and processes, combining digital fingerprint databases with associated incentive databases, contribute enhanced information to the authentication databases, and provide unparalleled reliability and enriched metadata to supply chain tracking, detecting counterfeit objects, and other applications.

Abstract: An authentication system configured to identify counterfeit articles. The authentication system configured to capture and scan an optical code engraved on an artifact, decode the optical code to determine a unique code associated with an article, transmitting the unique code to the authentication server and receiving a result of authentication from the authentication server to verify the authenticity of the article being scanned.

Abstract: Embodiments are directed towards enabling product and/or service providers to maximize sales of products, services, and content to their existing customers. In one embodiment, a process, apparatus, and system are directed towards optimizing a selection of offers for any customer touch-point to ensure the provider delivers the best offer to the right customer at the most appropriate time. Offers are optimized not only according to a customer's interests and preferences but also according to revenue and profitability potential using predictive analytics.

Abstract: Webpage or other resource accesses by client systems may be recorded, and those accesses may be analyzed to develop audience measurement reports. At times, it may be desirable to segment those reports according to classes of client systems (e.g., work vs. home client systems). A given client system can be classed into one of the reporting classes based on one or more classes of network service providers that provide the client with access to a network. The recorded resource accesses and classes of the client systems can then be used to generate audience measurement reports that are segmented according to one or more of the client system classes.

Abstract: The present invention relates to specifying commercial district information of merchants, and it pertains to the technical field of data processing. The method for specifying commercial district information of merchants according to the present invention includes the steps of: mining and calculating association rules of consumption and transaction data of consumers so as to obtain information of association between merchants; calculating rates of subordination of merchants whose commercial district information has not been specified to several commercial districts based on the association information and specified commercial district information of at least some of the merchants; and specifying the commercial district information for each of said merchants based on their rates of subordination. The present invention can realize automatic specification of commercial district information of merchants, and the specification of commercial district information is accurate and efficient.

Abstract: A method is disclosed for enabling a network location to provide an ordering process for data relevant to connected network devices' activities. The method includes assembling the data, utilizing the activity data, and associating the data, such that information is derived to enable a desired expansion of at least one designated activity. Another method is disclosed for managing an object assignment broadcast operations for a network location based on a network device's previous activities. This second method includes tracing a network device's conduct to determine that a network device prefers a particular class of content. The method also includes tagging a network device's profile with the respective observation and deciding by a network location as to the classification factor for a network device to be targeted for an object assignment broadcast.

Abstract: A system and method for measuring a customer experience across a plurality of business channels in an organization has been provided. The system is configured to provide insight into customer experience across business channels from data generated via social media. The social media data of the customer pertaining to the organization is acquired and cleansed to obtain the unstructured data. Using linguistic and behavioral analysis of unstructured social data, the system enables an organization to understand customer experience by a plurality of channel to market, including the relationship of the channels on customer experience. Finally, it was concluded that whether the customer expectations are matched, missed or exceeded with the organization.

Abstract: In one embodiment, one or more agents monitor the usage of an application management system by one or more users associated with an entity, the one or more agents executing on one or more servers that implement the application management system. An adoption score for the entity is generated based on collected usage data and used to form a combined score for the entity that can be used, e.g., for resource allocation in the application management system.

Abstract: A restaurant management method, system, and non-transitory computer readable medium, include receiving a state of a user from user data, determining a confidence value that a restaurant change results in an improvement of the state of the user, and deploying the restaurant change when the confidence value is greater than a predetermined threshold value

Abstract: The disclosed embodiments provide a system for processing data. During operation, the system obtains a set of features for a customer of an educational technology product. Next, the system uses the set of features to calculate an overall score representing a predicted purchase behavior of the customer with the educational technology product. The system then uses multiple subsets of the features to calculate a set of sub-scores that characterize different components of the overall score. Finally, the system outputs the overall score and the sub-scores for use in managing sales activity with the customer.

Abstract: The disclosed embodiments provide a system for processing data. During operation, the system obtains a set of overall scores representing predicted purchase behaviors of a set of customers with an educational technology product. Next, the system displays a graphical user interface (GUI) comprising a customer prioritization chart for the educational technology product. The system then displays representations of the overall scores in the customer prioritization chart. Finally, the system displays, in the GUI, the set of overall scores and a breakdown of the overall scores into a set of sub-scores that characterize different components of the overall scores.

Abstract: A computer determines an RFM score for each of a plurality of contacts, each RFM value comprising a recency value, a frequency value and a monetary value respectively based on assigning recency values, frequency values, and monetary values of the plurality of contacts to a bin of a group of bins. The computer generates trend factors, based on patterns of sequences of transaction information and timestamps of each transaction for each contact of the plurality of contacts. The computer generates a trend factor, based on the patterns generated for each of the plurality of transactions for each contact of the plurality of contacts, and assigns contacts to generated increasing trend factor bins or decreasing trend factor bins based on applying the trend factor value to at least one of the recency score, the frequency score, and the monetary score, for each contact of the plurality of contacts.

Abstract: An apparatus includes a processor, and a database configured to store asset inventory survey data of at least one asset owner. The processor is configured to execute a GUI through an electronic display. The GUI includes a geographical map, a geospatial pin on the map at a location corresponding to a location field value of an asset record in the database, and at least one content control configured to add or update at least one corresponding field value in the database using content inputted to the at least one content control. The processor is configured to determine that a user associated with a particular asset owner from among the at least one asset owner is authorized to access asset inventory survey data of the particular asset owner. The processor is configured to: based on the determination, display the asset inventory survey data of the particular asset owner in the GUI.

Abstract: Example metering apparatus and related methods are disclosed. An example apparatus disclosed herein includes a housing having a display area, The apparatus includes at least one of a first stencil or a second stencil to be removably positionable in the display area of the housing. The first stencil has indicia oriented in a landscape orientation and the second stencil has indicia oriented in a portrait orientation. The at least one of the first stencil or the second stencil is to be positioned in the display area of the housing such that the indicia of the at least one of the first stencil or the second stencil is in an upright orientation relative to the housing. The apparatus includes a cover removably coupled to the housing to enable access to the display area.

Abstract: One embodiment provides a method for top-down pricing of an in-flight deal. The method comprises receiving a first set of information relating to the in-flight deal. The in-flight deal comprises multiple services. The method comprises, for each service of the in-flight deal, selecting a corresponding set of peer deals from historical and market data based on the first set of information, and mining costs for the service from the corresponding set of peer deals. The method further comprises determining a set of price points for the in-flight deal based on each cost mined.

Abstract: A system and method for generating an electronic catalog for online computer users is disclosed. Item information from a seller site is retrieved based on a webpage template that corresponds to a structure of the seller site. Item information is stored in a database of item listings. Display of an item listing from the database of item listings is caused. A drag and drop selection of the displayed item listing is detected. The item listing is arranged on a page of a computer-generated electronic catalog based on the drag and drop selection of the item listing.

Abstract: Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Abstract: A system and methods for automatically generating rewards with ticket sales is disclosed. The system directs a consumer to a ticket vendor portal where the consumer can place an order for the number of tickets desired. After the payment is confirmed, at the conclusion of the purchase, the rewards associated with the purchase of the tickets are automatically generated and returned to the consumer. The rewards may comprise free or reduced-price tickets for military service members or veterans, as well as for public servants such as members of the police and fire department for example. Civilians or a non-military member can direct rewards for a military member or veteran which is automatically generated by the system. Consumer devices may employ communication systems including cellular, Wi-Fi, Bluetooth, RFID, and Geo tracking for tracking consumer activity such as consumer purchasing and redemption of rewards.

Abstract: The disclosed system and method use specific computer based components to deliver communications determined by an algorithm to be effective to users based on previously accumulated data where the communication is targeted to a user for a future purchase at a different location.

Abstract: A system and method for generating and displaying a print product offering including a plurality of digital images is provided. The method comprises: providing a photo lab computing device comprising a memory, wherein a plurality of digital images are stored in the memory; generating a group of digital images from the plurality of digital images; classifying each of the digital images within the group based on at least one image quality parameter; selecting one or more of the digital images in the group which conform to the at least one image quality parameter; generating an image product template design including the digital images which conform to the at least one image quality parameter; and displaying the image product template design as a print product offering.

Abstract: Methods and a system are provided. A method includes extracting subsequences from a sequence of a customer journey that includes customer interactions on different channels at different times on different topics. The method further includes measuring an effectiveness of each of the subsequences based on journey success data, by applying a statistical hypothesis testing approach. The method also includes determining a contribution of each of the customer interactions for a given one of the subsequences, by applying a sequence-based journey attribution model.

Abstract: The present disclosure is directed to a system for device configuration-based function delivery. A server receives a data structure including device configuration information that indicates the computing device comprises an application programming interface to allow a data function to access a call function of the computing device. The server identifies a first content item having a call-on-select function and a second content item without a call-on-select function. The server determines, based on the device configuration information, a first call score for the first content item having the call-on-select function and a second call score for the second content item without the call-on-select function. The server selects the second content item for transmission to the computing device to cause the computing device to display the second content item without the call-on-select function on the computing device comprising the application programming interface.