Patents Issued in January 25, 2018
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Publication number: 20180025305Abstract: A calendar based economic engine is disclosed comprising month owned days (Hypatian days), week days, months and years. When Hypatian days are inserted into months an enhanced economic flow similar to that found in holidays is created. The regular month to month occurrence of Hypatian periods also produces a localization of the economic effect.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Inventor: Sean Edward Rutherford
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Publication number: 20180025306Abstract: Systems and methods for managing allocation of resources among plural offerings of an enterprise are disclosed. A method includes: maintaining, by a computer device, a ranked list of the offerings, wherein the ranked list is viewable at plural user devices within the enterprise; receiving, by the computer device, an input to link an item to one of the offerings included in the ranked list; accessing, by the computer device, stored cost/benefit data defined for the item, wherein the accessing comprises using an application programming interface (API) call; updating, by the computer device, a score of the one of the offerings based on the cost/benefit data defined for the item; updating, by the computer device, the ranked list based on the updated score.Type: ApplicationFiled: July 20, 2016Publication date: January 25, 2018Inventors: Flora BATCA, Steven L. BRAZIL, Paul K. BULLIS, Geoffrey M. HAMBRICK, Mark A. PARZYGNAT
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Publication number: 20180025307Abstract: A method to support ad hoc collaboration and generation of workflows for a team of users may comprise providing data from a provenance graph to launched applications, selectively using the provided data from the provenance graph and additional input to create derived data and derived outputs, and routing the derived data and the derived outputs to the provenance graph; recording, in the provenance graph, subsequences of the launched applications; recommending one of the recorded subsequences, based on the history of execution of the recorded subsequences of the launched applications; creating a new application with the recommended subsequences of the launched applications; launching the newly created application, and storing the newly created application in a catalog of applications for use by the user.Type: ApplicationFiled: July 20, 2016Publication date: January 25, 2018Inventors: JOSHUA W. HUI, ESER KANDOGAN, HARSHA V. KRISHNAREDDY, MARY A. ROTH, PETER M. SCHWARZ, IGNACIO G. TERRIZZANO
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Publication number: 20180025308Abstract: A system, method and program product for providing an enterprise rapid value generation (ERVG) system A system is provided having: an opportunity processor that provides an interface for specifying an opportunity within an enterprise, wherein the opportunity includes an associated proposal having: a requirements statement, a timeframe, an enterprise value, and reward parameters; a contributor selection system that notifies target contributors of the opportunity over a network and creates a team of contributors; a contribution manager that tracks and validates contributions from the team of contributors towards a solution; and a rewards system that calculates a reward for each member of the team of contributors based on validation of a contribution and an amount of time in which the contribution was completed.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Inventors: Pritpal S. Arora, Bijo S. Kappen, Gopal S. Pingali, Adinarayana Sakala
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Publication number: 20180025309Abstract: Operations of a shift worker platform include receiving a shifter designation command designating an employee of a common employer entity to become one of a plurality of shifters and receiving available shift data generated using an interactive job provider client calendar, the available shift data representing an available work shift of a job provider client of the common employer entity. The operations further include establishing one or more matches between the available shift data and the plurality of shifters, updating an interactive shifter calendar of each of the matching shifters to include a visual representation of the available work shift, and receiving shift selection data generated using the shifter calendar of one of the matching shifters, the shift selection data including a selection of the available work shift by the shifter. The operations further include updating the job provider client calendar to include a visual representation of the selection.Type: ApplicationFiled: July 24, 2017Publication date: January 25, 2018Inventors: Scott William Absher, John Stephen Holmes, Timothy John Wales
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Publication number: 20180025310Abstract: A system, method, and computer program product for managing a physical inventory. Image data from a number of cameras is processed to recognize inventory items from identifying indicia and determine their respective locations to build a three-dimensional model of the inventory item distribution. Comparison with a database model of the inventory item distribution may indicate discrepancies, such as misplaced items. A picking agent may be dispatched to pick a target item by following a particular path, which may be designated in an overlay on a portable heads-up display. The picking agent may also perform a corrective inventory management action on a non-target item while picking the target item. The corrective inventory management action may include repositioning an item, reorienting the item for better visibility of its identifying indicia, replacing the item's identifying indicia, determining if the item is of expected weight, and gathering new image data.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Inventor: Jonathan Gabbai
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Publication number: 20180025311Abstract: An inventory management system to manage inventories of business/organizations by a user is provided. The inventory management system is attached to a handheld scanner to scan products. The details of the products are stored in a database. In one embodiment, the user may be a manager or admin personal of the business/organization. The inventory management system an alert to the user via emails if (i) the quantities of the products are getting low, and/or (ii) the date is crossing the best-by-date of the products. The user orders the products when the quantities of the products are getting low. The user orders the products from the business/organization to deliver to the one or more customers.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Inventor: Dexter Herbert Thomas
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Publication number: 20180025312Abstract: A system for sharing information about product materials, including a database, a part-analyzing module, a part-searching module, and a disclosure-rate calculating module. The database includes a first sub-database corresponding to an enterprise and a second sub-database corresponding to a first supplier. The first sub-database stores information of a plurality of parts composing a product and information about the first supplier of the parts, and the second sub-database stores material information corresponding to the parts. The part-analyzing module obtains the information of the parts and the information about the first supplier from the first sub-database. The part-searching module obtains first disclosed material information and first undisclosed material information of the parts from the second sub-database. The disclosure-rate calculating module calculates the first disclosure rate of the product according to the first disclosed material information and the first undisclosed material information.Type: ApplicationFiled: November 2, 2016Publication date: January 25, 2018Inventors: Tien-Chin FANG, Chen-Chung LEE, Ping-Chi LAI, Ching-Shium CHEN, Chia-Hung LIN, Yao-Kun LEE, Jhen-Jhong CHEN
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Publication number: 20180025313Abstract: A system, method, and device for tracking surgical sponges for a medical procedure is provided. In one embodiment, the system includes an RF reader having an antenna, said antenna configured to be removably attached to a receptacle and to radiate discarded sponges comprising sponges entering the receptacle. The RF reader may be configured to receive unique identifying (ID) information from radiated sponges and provide the ID information to a wireless transmitter electrically connected to the RF reader. The system may include a handheld computer having a wireless port and configured to wirelessly receive the ID information of discarded surgical sponges from the wireless transmitter. The handheld computer may store in its memory ID information of a plurality of available surgical sponges comprising sponges available for use during the procedure and receive and store ID information of a plurality of unused surgical sponges comprising sponges that were not used during the procedure.Type: ApplicationFiled: March 1, 2017Publication date: January 25, 2018Applicant: Technologies Solutions Group, LLCInventor: Soterios I. Reppas
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Publication number: 20180025314Abstract: Systems, methods and computer-readable media are disclosed for capturing purchase information regarding purchased items of a consumer. Upon receiving an image of a receipt (a receipt image) regarding a list of purchased items, receipt text is generated. The receipt text is processed to identify the purchased items in the receipt image. Accordingly, an iteration is begun to iterate through the item blocks of the receipt text. An item block corresponds to a discrete item in the receipt text. The processing comprises extracting textual elements from the item block and matching the textual elements to a known product. Upon matching the textual elements to a known product, the consumer inventory associated with the consumer is updated with regard to the purchase of the known product.Type: ApplicationFiled: September 11, 2017Publication date: January 25, 2018Applicant: Metabrite, Inc.Inventors: Court V. Lorenzini, Samuel Anthony Lucente, Roy Penn, Morgan Doocy, Shawn Rutledge
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Publication number: 20180025315Abstract: Utilities that allow for configuring rack space in a growing operation. In one aspect, a utility for generating a rack sheet report is disclosed that indicates a determined quantity of a plurality of inventory items to be disposed on each shelf of a rack for use in loading a vehicle with the plurality of inventory items in an economically efficient manner. Additionally, the present disclosure includes embodiments that relate to generating a maser pull report that includes total quantities of each identified common instance of the plurality of inventory item objects in a master pull group object for use in harvesting or otherwise collecting the plurality of inventory items from the growing operation and loading the plurality of inventory items into a vehicle in a coordinated manner (e.g., based on a priority value).Type: ApplicationFiled: September 29, 2017Publication date: January 25, 2018Inventors: Gerson Cortes, Michael Henderson, David Pytel, John Denzel
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Publication number: 20180025316Abstract: A system is disclosed for simultaneous computation of optimal order point and optimal order quantity. The system includes one or more memory units and on ore more processing units, collectively configured to receive initial inputs, initialize a first, at least second and final locations and the initial inputs and compute a first baseline inventory performance of the first level. The system is further configured to compute at least a second inventory performance of the at least second level and perform optimization iterations by simultaneously determining a change in inventory performance for the first and the at least second level when the re-order point (R) is incremented by a specified R increment value and when the re-order quantity is incremented by a specified Q increment value. The system is further configured to report the reorder point and reorder quantity for the first, the at least second, and the final location.Type: ApplicationFiled: October 2, 2017Publication date: January 25, 2018Inventor: Chandrashekar Srikantiah Konanur
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Publication number: 20180025317Abstract: Management of smart vehicles and smart vehicle infrastructure are provided. A method comprises determining, by a device comprising a processor, rule information indicative of a rule governing cargo in a vehicle; determining, by the device, compliance with the rule based on comparing sensory information from a sensor about second cargo in the vehicle and the rule information; and performing, by the device, an action in response to the determining the compliance with the rule. In one embodiment, the rule information is associated with a policy specifying an illegality associated with the second object in the vehicle. Performing the action can comprise transmitting an alert signal to an agency device associated with an identity of a law enforcement agency based on the determining the compliance with the rule. In other embodiments, other possibilities and aspects are also provided.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Inventor: Brian Dominguez
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Publication number: 20180025318Abstract: A system and method for communication routing, transportation coordination and product creation, based on the number of delivery agents and the need for delivery of a plurality of orders placed through a customer order placement application, the method includes determining an order ready time for each of the orders, receiving an availability communication for each of the plurality of delivery agents comprising a delivery agent status, and based at least partially on the number of orders, selecting a number of delivery agents for activation, and sending an activation communication to each of the selected number of delivery agents.Type: ApplicationFiled: July 20, 2017Publication date: January 25, 2018Inventors: Chris Baggott, Dan McFadden
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Publication number: 20180025319Abstract: A system and method for locating nearby attended delivery/pickup locations with a particular item in stock is described. The system receives a request from an individual to purchase a particular item from an on-line retailer. The system receives information associated with attended delivery/pickup locations, including location and inventory information. The system then determines which (if any) attended delivery/pickup locations (e.g., the attended delivery/pickup locations are not the on-line retailer) are near the individual and have the particular item in stock and notifies the individual. In various embodiments, the system enables the user to purchase or reserve the particular item at the particular attended delivery/pickup location.Type: ApplicationFiled: September 21, 2017Publication date: January 25, 2018Inventors: Daniel Lievens, Vincent Dethier, Peter Henderickx, Luc Pirenne, Denis Payre
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Publication number: 20180025320Abstract: A method correlating logistics information includes: receiving logistics information entered for a target transaction order; determining a target transaction object identification associated with the target transaction order; determining target object description information corresponding to the target transaction object identification; determining an identification code, wherein the identification code is printed on a target courier waybill in a form of graphic code; and establishing and storing a corresponding relationship between the identification code and the target object description information, such that when the graphic code on the target courier waybill is scanned by an image capturing device, the target object description information is displayed at the image capturing device to provide a preview of the product in the corresponding courier parcel. The present disclosure helps correctly deliver the carrier parcel.Type: ApplicationFiled: October 3, 2017Publication date: January 25, 2018Inventors: Shuyan Liu, Tian Zhang
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Publication number: 20180025321Abstract: A system and method are disclosed for dispatching and delivering a purchased item to a dynamic delivery address for an mobile purchaser. Once a delivery mode and a dynamic delivery address for delivery of a purchased item from an mobile purchaser interface is acquired, a time for delivery is estimated based on the delivery mode, the dynamic delivery address and an initial location of the mobile purchaser interface. A dispatch schedule is determined based on the delivery mode, the initial location and the estimated time for delivery. A delivery schedule including a delivery route is determined based on the dynamic delivery address, the updated location and the estimated time for delivery and the delivery schedule is issued to a delivery interface.Type: ApplicationFiled: February 9, 2015Publication date: January 25, 2018Applicant: GM GLOBAL TECHNOLOGY OPERATIONS LLCInventors: Eric Chen, Peggy Wang, Xiaowen Dai, Jiang Du
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Publication number: 20180025322Abstract: The disclosed embodiments provide a system for performing skill-based recommendation of events. During operation, the system obtains member attributes for a member of an online professional network. Next, the system matches the location of the member and one or more of the member attributes to event attributes of a set of events. The system then uses the member attributes and the event attributes to calculate a set of relevance scores representing a relevance of the events to the member. Finally, the system uses the set of relevance scores to output one or more of the events as recommendations to the member.Type: ApplicationFiled: July 20, 2016Publication date: January 25, 2018Applicant: LinkedIn CorporationInventors: Andranik Kurghinyan, Austin Q. Lu
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Publication number: 20180025323Abstract: An event can be stored using an indication of recurrence and an intent-time event time that includes a trigger indicator and optionally an offset. When a view of a calendar having intentional-time events is requested by a calendar application, a calendar service can search a storage resource for the requested calendar and any events that fall within a requested start time and end time. The identified events can be provided to a source of the request. Any intent-time event times that are stored as part of intentional-time events can be calculated based on their triggers and offsets. The calculations may be carried by the calendar service and the results provided to the calendar application or by the calendar application itself.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Inventor: Fabio Andre PINTOS
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INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD AND COMPUTER READABLE STORAGE MEDIUM
Publication number: 20180025324Abstract: An information processing apparatus, including: a first display control section which performs control to display a schedule template provided with a plurality of schedule frames each of which is correlated with predetermined date information or time slot information; a first selection section which selects a schedule frame desired by a user according to user's operation from among the plurality of schedule frames; a choosing section which chooses a stamp mark as a selection candidate; a second display control section which performs control to display the stamp mark as the selection candidate; and a second selection section which selects a predetermined stamp mark according to user's operation from among the stamp mark as the selection candidate, wherein the first display control section performs control to display the stamp mark selected by the second selection section by placing the stamp mark on the schedule frame.Type: ApplicationFiled: July 18, 2017Publication date: January 25, 2018Inventor: Keita Anjo -
Publication number: 20180025325Abstract: Electronic calendar scheduling is provided with information on location-availability of invitees. The scheduling method includes, for instance, initiating scheduling, via an electronic calendar system, a calendar event at a location for an event at a future time. The initiating scheduling includes: identifying one or more invitees to the calendar event; determining, via the electronic calendar system, location availability of the invitee(s) for the event at the future time; and sending a calendar invite to the invitee(s) based, at least in part, on the one or more invitees being location available for the event at the location at the future time. The determining location availability may include ascertaining geographically a scheduled location of an invitee at the future time using the electronic calendar system. Further, schedule location availability information for the invitee(s) at the future time may be viewed to facilitate the scheduling process using the electronic calendar system.Type: ApplicationFiled: July 20, 2016Publication date: January 25, 2018Inventors: Christopher M. BOSKO, Bryan D. OSENBACH, Jeffrey B. SLOYER, Ramratan VENNAM
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Publication number: 20180025326Abstract: A schedule management method for an electronic device is disclosed. The method includes: storing a schedule of events to be performed within a set time period; displaying an alarm screen including a user interface (UI) regarding the progress of the schedule and a UI regarding the adjustment of the schedule before the schedule starts; and performing associated work according to the progress of the schedule if the UI regarding the progress of the schedule is selected, or performing associated work according to the adjustment of the schedule if the UI regarding the adjustment of the schedule is selected.Type: ApplicationFiled: July 17, 2017Publication date: January 25, 2018Inventors: Hyosun Park, Jeongsik Cho
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Publication number: 20180025327Abstract: A method and an electronic device are provided that include receiving at the electronic device a start and an end of an out-of-office period and an out-of-office preference for responding to new invitations to events occurring during the out-of-office period received at the electronic device, receiving at the electronic device a new invitation to an event occurring during the out-of-office period, and automatically transmitting at the electronic device a response to the new invitation based on the out-of-office preference.Type: ApplicationFiled: July 19, 2016Publication date: January 25, 2018Inventors: Christopher James RUNSTEDLER, Samer FAHMY, Bartholomew Alexander BOECKNER, Kieran Patrick CUNNEY, Jan Anthony KORSMAN, Jared Daniel LEPIC, Grant Ross ELLIOTT, Andrew Joseph KLAMUT, Matthew Donald HODGSON, Minh PHAM, Clifford HUNG, Morgan Trevor MCLAUGHLIN, Adam John VAZ, Jeffrey Tyson ARMSTRONG, Daniel Ian ACKLAND
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Publication number: 20180025328Abstract: Methods and systems are provided. One method includes receiving a request, at a server, to define an advisor account for a vehicle associated with a user account. The request identifies an advisor entity, a vehicle aspect to be assigned to the advisor entity, and privileges assigned to the advisor entity for the vehicle aspect. The method further includes generating the advisor account for the advisor entity as a sub-account of the user account that is associated with the vehicle. The method includes sending instruction data to the vehicle from the server, wherein the instruction data defines that the vehicle aspect is associated with the advisor account. The method also includes receiving data updates, at the server, from the vehicle for the vehicle aspect, from time to time. The data updates are displayable on a user interface that is accessible to the advisor entity, the user interface being rendered by the server that provides access to the advisor account.Type: ApplicationFiled: September 6, 2017Publication date: January 25, 2018Inventors: Angel A. Penilla, Albert S. Penilla
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Publication number: 20180025329Abstract: A system is disclosed for managing waste services. The system may have a locating device configured to generate a signal indicative of a location of a service vehicle, an input device, and a controller in communication with the locating and input devices. The controller may be configured to receive input via the input device that is indicative of at least one of a plurality of locations to be serviced by the service vehicle within a service area not being serviced. The controller may also be configured to make a determination based on the signal from the locating device that the service vehicle has left the service area and, based on the input and the determination, automatically record into memory remaining locations of the plurality of locations as having been serviced.Type: ApplicationFiled: July 21, 2016Publication date: January 25, 2018Applicant: Rubicon Global Holdings, LLCInventors: Samantha Spring PODGORNY, Ryan Keith ALEXANDER
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Publication number: 20180025330Abstract: A system, apparatus, and methods are provided for facilitating payment for a third party's use of an application by a current user. The current user, or payor, initiates the process within the application by selecting one or more recipients. The system that hosts the application then determines which of the third parties are eligible. A target recipient may be ineligible because her application subscription never expires, because it doesn't expire within a threshold period of time, or for some other reason. The system identifies the target recipients that are eligible, and the payor may configure the gift payment (e.g., by choosing a duration of the subscription). The payor then chooses a method of electronic payment and, depending on the method selected, may redeem a coupon with the application host system, or the process may complete automatically. The payor and/or the recipient(s) may be notified of successful activation of the subscription(s).Type: ApplicationFiled: October 3, 2017Publication date: January 25, 2018Inventors: Vicki W. Lee, Eugene Fooksman, Brian L. Acton, Michael B. Donohue
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Publication number: 20180025331Abstract: A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.Type: ApplicationFiled: February 11, 2016Publication date: January 25, 2018Inventors: David DALLENBACH, Steven TURNER
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Publication number: 20180025332Abstract: A system for facilitating a payment using a client application executed by a client device, the system including one or more processing devices in communication with the client device via a communications network, wherein the one or more processing devices execute processing device software that cause the one or more processing devices to communicate with the client application to establish a transaction session having a session access token and a session key, receive requests from the client application, at least some of the requests including the access token a payload encrypted at least in part using the session key, decrypt the payload at least in part using the session key, process the requests at least in part using the access token and in accordance the decrypted payload, to thereby allow at least one action to be performed, the at least one action forming part of a payment process and provide any required response to the client application.Type: ApplicationFiled: June 20, 2017Publication date: January 25, 2018Inventors: Donghao Huang, Naman Aggarwal, Kshama Jha, Yong How Chin, Jie Zhang, Dekai Zhang
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Publication number: 20180025333Abstract: A method for collecting and processing electronic donations from an electronic account of a user, initiated by the user at a user terminal, includes presenting, on an electronic donation application, potential recipients for the electronic donation; receiving a user selection of a recipient for the electronic donation together with the amount of the financial transaction for the donation; and transmitting a donation request including the amount of the financial transaction, the designated recipient for the financial transaction, user information and electronic account information to a donation processing server. Further steps include storing the donation request, by a collection application executed on the donation processing server for further processing when a predefined condition is met; and receiving, at the donation processing server, a financial transaction confirmation receipt from the payment service provider and transmitting, a donation confirmation to the recipient.Type: ApplicationFiled: July 20, 2017Publication date: January 25, 2018Inventor: Sarah Cunningham
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Publication number: 20180025334Abstract: The Event-Triggered Business-To-Business Electronic Payment Processing Apparatuses, Methods And Systems (hereinafter “B2B-PAY”) provides a business-to-business payment platform which facilitates business to business payment triggered by a user event, and transforms purchase item information inputs or purchase receipt inputs via B2B-PAY components into restricted-use account payment settlement outputs.Type: ApplicationFiled: September 11, 2017Publication date: January 25, 2018Inventors: STACY POURFALLAH, KAUSHIK KAUSHI SUBRAMANIAN
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Publication number: 20180025335Abstract: A method for electronically transmitting data based on a physical gesture includes: storing at least one gesture pair, wherein each gesture pair includes at least a physical gesture and an associated data conveyance, the physical gesture being stored as one or more data points telegraphing three-dimensional movement; capturing a plurality of movement data points based on movement of one or more motion capturing devices; identifying a specific gesture pair where at least one of the captured plurality of movement data points corresponds to the included physical gesture; establishing a communication channel with an external computing device; and transmitting the associated data conveyance included in the identified specific gesture pair to the external computing device using the established communication channel.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Applicant: MasterCard International IncorporatedInventors: Benjamin Alexander FLAST, Brien BUCKMAN
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Publication number: 20180025336Abstract: An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.Type: ApplicationFiled: September 19, 2017Publication date: January 25, 2018Inventors: James Block, H. Thomas GRAEF, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan Ramachandran
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Publication number: 20180025337Abstract: An adaptable and extensible interface is described for connecting one or more point of sale (POS) applications to one or more at a wide variety of retail application is described. The interface may be embodied as a programmable state machine employing XML files to customize its operation reusable retail applications may be utilized as part of the interface approach.Type: ApplicationFiled: September 1, 2017Publication date: January 25, 2018Inventor: Thomas V. Edwards
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Publication number: 20180025338Abstract: An image forming system includes a charging management server and a plurality of image forming apparatuses managed by the charging management server. The charging management server and the plurality of image forming apparatuses are connected to a network. The charging management server uses a management database to obtain a model name of a target image forming apparatus, uses a model-release date table to obtain the release date of the target image forming apparatus, calculates a count of elapsed days since the release date to the present, and uses the count of elapsed days to obtain a discount rate in charging for the target image forming apparatus based on a discount rate table.Type: ApplicationFiled: June 20, 2017Publication date: January 25, 2018Applicant: KYOCERA Document Solutions Inc.Inventor: Takeshi ARAYA
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Publication number: 20180025339Abstract: Virtual mobile rewards, gift cards, and/or physical world retailers' loyalty and reward programs are aggregated into a common account accessible and transactional from an Internet capable mobile radio device. Subscribers gain access to discounted codes, coupons, rebates, gift cards, and/or limited time offers, on their mobile device for food, travel, lifestyle, electronics, and entertainment products that fit their lifestyle spending habits, enabling users to edit participating retailers, manage separate account balances, and present preferred discounted offers at retailers and apply discount towards purchase of goods.Type: ApplicationFiled: September 15, 2017Publication date: January 25, 2018Inventor: William H. Bollman
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Publication number: 20180025340Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers with merchant integration. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include storing the receipt data and format for easy receipt capture on a subsequent purchase.Type: ApplicationFiled: October 25, 2016Publication date: January 25, 2018Inventors: Ryan A. Schlosser, Alex Lieberman, Michelle Y. Zheng
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Publication number: 20180025341Abstract: Embodiments of the invention relate to a system, computer program product, and method for generating a recommendation for using a payment instrument or combination of payment instruments to tender payment. Payment instrument data is stored in a database. Upon receiving a request for a payment recommendation, payment instrument data is retrieved from the database and a payment instrument score is assessed across two or more payment instruments. The assessment comprises the application of a function to a payment instrument, the function taking into account payment instrument variables, category, and location. A recommendation of an apportionment of the payment is generated, including an allocation of an associated cost and the recommended payment is transmitted to a network server.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Applicant: International Business Machines CorporationInventors: Anca A. Chandra, Pawan R. Chowdhary, Susanne M. Glissmann-Hochstein, Thomas D. Griffin, Divyesh Jadav, Sunhwan Lee, Guangjie Ren, Hovey Raymond Strong, JR.
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Publication number: 20180025342Abstract: A mobile payment method includes the steps of making an online purchase at an online store with payment information being received by a web browsing capable device. The web browsing capable device connects to a server and a payment request including a VID is sent to the server. The server verifies the VID. A mobile payment device is connected to the server. A token request is sent to the mobile device upon verification of the VID. A token response is sent to the server. Information is archived to a database and a cookie associated with the VID is created. The cookie with associated VID is archived. A payment response is sent to the web browsing capable device. An authorization request is sent to the online store, and the online store authorizes the transaction with a payment network.Type: ApplicationFiled: July 23, 2017Publication date: January 25, 2018Inventors: Jack Shauh, Andrew Vinh Banh
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Publication number: 20180025343Abstract: A method for the processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to the server by using a communications network. This method includes: creating a secured communications channel with the communications terminal; instantiation, within an execution server on the communications network, of a virtual payment terminal capable of exchanging information with the communications terminal by using the secured communications channel; and processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, the secure element being configured to exchange an identifier of the type of service.Type: ApplicationFiled: January 8, 2016Publication date: January 25, 2018Inventors: Pierre Quentin, Jean-Bernard BLANCHET
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Publication number: 20180025344Abstract: Techniques are disclosed relating to authentication for user transactions. In some embodiments, a first device of the user provides an option for the user to transfer payment and device signature information to a second device of the user. The second device, in some embodiments, then uses the payment information for payment transactions (which may avoid manual input of payment information). The second device, in some embodiments, transmits the device signature information for the first device to an authentication system. The authentication system, in some embodiments, authenticates the second device based on a match for the signature information for the first device.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Inventors: Sharath Kumar L., Mohammed Mujeeb Kaladgi, Rajdeep Lahkar, Pradeep G. Nair, Mahesh M. Chitragar
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Publication number: 20180025345Abstract: A portable platform for the transportation, storage, and dispensing of liquid fuel that has a pump dispensing system, custody transfer flow meter, and point of sale system with preferred embodiments which allow for improved access to self-serve and attendant provided automatic payment fuel filing.Type: ApplicationFiled: July 19, 2016Publication date: January 25, 2018Inventors: KEITH KARL KITTOE, JESSE RYAN NELSON
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Publication number: 20180025346Abstract: The present invention is an apparatus for the money transactions required in the selling of merchandise or media content on the Internet and uses at least one in-person contact with the buyer. A predefined transaction originating at a real place of business authorizes access to web content or merchandise from a place off the web. Purchasers (end-users) must physically go to a retail location to choose the Internet media or merchandise shopping cart they wish to acquire where age can be verified if necessary and payment can be made with or without a credit card. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web.Type: ApplicationFiled: July 4, 2015Publication date: January 25, 2018Inventor: James Leonard Driessen
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Publication number: 20180025347Abstract: Disclosed are a server for managing a card transaction service, a card transaction service management method, and a card transaction service management system. The server includes a transaction management unit that receives a request message for setting a physical card from a mobile terminal and transmits the request message to a token service provider, the token service provider that receives the request message to extract a token value of a mobile card and maps PAN information corresponding to the token value of the mobile card to a token value of the physical card to store the mapped PAN information, and a card management unit that stores at least one PAN information and transaction detail information corresponding to the at least one PAN information. The request message includes the token value of the physical card and information on the mobile card mapped to the physical card.Type: ApplicationFiled: May 31, 2017Publication date: January 25, 2018Inventors: Minaoar Hossain Tanzil, Sang Hoon Han, Bong Soo Ryu
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Publication number: 20180025348Abstract: An online payment system and method including a mobile device with an NFC reader capability is disclosed. An online merchant is coupled in communication between a payment network and the mobile device. A contactless EMV IC card containing card information is provided for making a payment. The card information is readable from the contactless EMV IC card by the NFC reader of the mobile device and sent to the payment network.Type: ApplicationFiled: July 22, 2017Publication date: January 25, 2018Inventors: Jack Shauh, Andrew Vinh Banh
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Publication number: 20180025349Abstract: The present disclosure and related inventions describe a system and method by which gift cards may be user-activated and assigned value using Radio Frequency Identification (RFID). The user-activated gift card contains an RFID chip embedded therein that works in conjunction with a mobile website or mobile app to allow users to activate and assign value to the gift card at any time and at any place.Type: ApplicationFiled: October 2, 2017Publication date: January 25, 2018Inventor: Allison Marsh
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Publication number: 20180025350Abstract: A method for performing a point of sale transaction can include determining that a mobile payment device is within a predetermined distance of a merchant terminal. The processor of the mobile payment device can obtain digital wallet information associated with the user of the mobile payment device. The processor can generate a plurality of pulses from the digital wallet information. The plurality of pulses can encode payment card information expected by the merchant terminal for the point of sale transaction. The processor can instruct a haptic actuator of the mobile payment device to generate a plurality of tactile pulses such that each tactile pulse of the plurality of tactile pulses corresponds to a pulse of the plurality of pulses.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: David Grossman
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Publication number: 20180025351Abstract: Optimizations are provided for completing a transaction event using authentication information. In particular, a presence of a transaction processing device is initially detected. Then, transaction information is received from the transaction processing device. The transaction information corresponds to a current transaction event. After receiving the information, a communication link is established with an on-body device. This device includes authentication information that is necessary to complete the current transaction event. The authentication information is then received from the on-body device. This information has a time-limited use availability. Finally, the received authentication information is used to complete the current transaction event.Type: ApplicationFiled: September 29, 2017Publication date: January 25, 2018Inventors: Yuqun Chen, Gideon A. Yuval, Michael Jack Sinclair
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Publication number: 20180025352Abstract: An electronic secured payment system where a single use QR Code is assigned to a consumer account, displayed on a consumer's electronic device, and scanned by a merchant's device to permit a merchant to access and verify the consumer's account and enter transaction information.Type: ApplicationFiled: August 17, 2017Publication date: January 25, 2018Inventor: Larry J. Kane
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Publication number: 20180025353Abstract: Provided are a system and method for managing encryption keys used by a payment application on a mobile device. The method includes executing a mobile payment application in a user domain of the mobile device, where the user domain is an operating environment in which applications are executed and accessed by a user, importing a plurality of encryption keys for use by the mobile payment application into a system domain of the mobile device, where the system domain is a more secure operating environment controlled by an operating system, encrypting payment information of the mobile payment application in the system domain using one or more of the imported keys while executing the mobile payment application in the user domain, and transmitting the encrypted payment information to a merchant.Type: ApplicationFiled: July 25, 2016Publication date: January 25, 2018Inventors: Mehdi Collinge, Mohamed Abou El Enin, Andrea Bacioccola, Michael Ward
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Publication number: 20180025354Abstract: A data mapping (DM) computing device including a processor and a memory in communication with the processor is provided. The processor receives a plurality of validated data messages associated with a plurality of transactions through a first communication channel and receives a non-validated data message associated with a first transaction through a second communication channel. Each validated data message includes a plurality of validated data elements with a validated merchant identifier. The non-validated data message includes a plurality of non-validated data elements with a non-validated merchant identifier.Type: ApplicationFiled: July 22, 2016Publication date: January 25, 2018Inventors: Peter J. Groarke, Ionut Nistor