Patents Issued in March 1, 2018
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Publication number: 20180060799Abstract: The present invention relates to systems, methods and server apparatuses for distribution of service requests associated with maintenance services required for maintenance of industrial assets.Type: ApplicationFiled: April 20, 2017Publication date: March 1, 2018Inventor: Steffen HEYER
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Publication number: 20180060800Abstract: A remote locker bank control system is configured to facilitate wireless control of a locker bank computer using a mobile computing device. The system may increase the ease with which a delivery driver can deliver parcels to the locker bank. As the driver approaches the locker bank to deliver a parcel, the system may automatically open a wireless communication channel between the driver's mobile computing device and the locker bank computer. The system may then transmit a scan of the parcel from the mobile computing device to the locker bank computer via the wireless communication channel. Next, the system may automatically open an available locker in the locker bank that is most proximate to the delivery driver, for example, to minimize a number of steps he or she must take to deliver the parcel to the locker.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventor: Kalin Robinson
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Publication number: 20180060801Abstract: Automated package deliveries comprises a server at a package delivery system that receives a request for a package delivery, the request comprising an identification of a package and an identification of a first kiosk location. The server associates the package with an aerial delivery device and a user authentication to retrieve the package. The server transmits to the delivery device instructions to deliver the package to the first kiosk. Subsequently, the server receives a request from a user computing device to retrieve the package from the first kiosk and deliver the package to an alternate kiosk. The server transmits to the delivery device instructions to retrieve the package from the first kiosk and instructions to deliver the package to the alternate kiosk. The delivery device retrieves the package from the automated kiosk and delivers the package to the alternate kiosk.Type: ApplicationFiled: October 19, 2017Publication date: March 1, 2018Inventors: Brandon Kyle Trew, Ameena Hassam
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Publication number: 20180060802Abstract: A stock management system which enables users of fasteners and/or manufacturers that stock fasteners to perform the same amount of work or more work with a lower level of fastener stock; and which enables effectively and simply performing the stock follow-up of any kind of product that can fit into toolboxes in various sizes inside the racks in the fastener industry.Type: ApplicationFiled: March 10, 2016Publication date: March 1, 2018Inventor: Ahmet Burak UYGUN
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Publication number: 20180060803Abstract: In some embodiments, systems, apparatuses and methods are provided herein useful for monitoring retail products including: one or more shelf image capturing devices disposed within a retail shopping facility; one or more stock image capturing devices disposed within a stockroom of the retail shopping facility; and a control circuit in communication with the one or more shelf image capturing devices and the one or more stock image capturing devices. The control circuit may configured to: analyze the captured shelf images and associated shelf timestamp to determine a rate of shelf product depletion for a particular retail product; analyze the captured stock images and the associated stock timestamp to determine a rate of stock depletion; compare the rate of shelf product depletion and the rate of stock product depletion; and send a stock depletion warning regarding a particular retail item to a supply chain management server.Type: ApplicationFiled: August 22, 2017Publication date: March 1, 2018Inventors: Aditya R. Cheruku, Stephen Steel, Hamza Farooq, Trinath Patri
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Publication number: 20180060804Abstract: In some embodiments, apparatuses and methods are provided herein useful to monitoring retail products. In some embodiments, there is provided a system for monitoring retail products including: one or more shelf image capturing devices disposed within a retail shopping facility. The one or more shelf image capturing devices configured to capture shelf images of retail store shelves. The captured shelf images having an associated shelf timestamp. By one approach, a control circuit in communication with the one or more shelf image capturing devices is configured to analyze the captured shelf images by comparing brightness, contrast levels, and luminous intensity at a particular frequency between at least two shelf images of the captured shelf images to determine a rate of shelf product depletion for a particular retail product and send a shelf depletion warning regarding a particular retail item to an associate device or a central computer.Type: ApplicationFiled: August 22, 2017Publication date: March 1, 2018Inventors: Aditya R. Cheruku, Stephen Steel, Hamza Farooq, Trinath Patri
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Publication number: 20180060805Abstract: The present technology may relate to a substantially real-time container monitoring system for monitoring the content of containers such as beverage bottles. The monitoring system may be automated to record the content of the containers according to a metric such as the container's weight. The monitoring system may capture variances in the container's content for reconciliation with data such as sales data to expose irregularities in the consumption of the container's contents and may provide inferences as to the cause of those irregularities. Various embodiments of the monitoring system may comprise a scale assembly for producing scale data, a processor module communicatively linked to the scale assembly, and a front end server application for processing the scale data and presenting it to a user.Type: ApplicationFiled: August 24, 2017Publication date: March 1, 2018Inventors: Brian Edwards, James Kegel, Phillip Geller
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Publication number: 20180060806Abstract: Assigning boxes to available spaces in storage bays may include: obtaining a first data structure identifying available spaces in multiple storage bays, the first data structure including xyz measurements of available spaces, and the multiple storage bays including one or more boxes; comparing, by a processor, for match xyz dimensions of a box with xyz dimensions of one or more available spaces in the first data structure to identify a matching available space, the box being selected from a second data structure identifying boxes to be placed into the multiple storage bays; and assigning, based on a match, the box to the matching available space, and removing the box from the second data structure, and the matching available space from the first data structure. The assigning of boxes may be combined with identifying desired products to be ordered, and ordering products based on available spaces in the storage bays.Type: ApplicationFiled: October 30, 2017Publication date: March 1, 2018Inventors: Budy D. NOTOHARDJONO, Arkadiy O. TSFASMAN, John S. WERNER
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Publication number: 20180060807Abstract: The present invention is directed toward an automatic connected vehicle demonstration method and system for automatically designating any registered vehicle as a demonstrator vehicle, and further allowing for the demonstrator vehicle to also have one or more subscription-based events based on demonstrator vehicle status. In one more embodiments, a computer implemented method provides for registering, deregistering, and managing a dealer's inventory of demonstration vehicles.Type: ApplicationFiled: November 2, 2017Publication date: March 1, 2018Inventors: Michelle Lynne Avary, Henry Plager
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Publication number: 20180060808Abstract: Disclosed is method including receiving digital vessel data for a global fleet of vessels, the digital vessel data being one or more of AIS data, image data or radar data and combining one or more of pieces of data. The method includes inferring, based on the first combined data, a loaded/empty status of a vessel or a cargo. The method includes combining other data to yield second combined data, receiving data regarding one or more of supply, demand, and amount of available cargo to yield third combined data, generating information relating to a supply of vessels available to load at a specified port and/or deliver a cargo to a specified port, in each case within a specified period of time and generating suggestions for one or more vessels regarding future routes based on the data.Type: ApplicationFiled: October 23, 2017Publication date: March 1, 2018Inventors: Scott G. BORGERSON, James E. SCULLY, Ethan E. ROWE, Robert A. WEISENSEEL, Ronnie HOOGERWERF
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Publication number: 20180060809Abstract: Systems, methods, and software can be used to improve efficiency of a cargo shipping system. In some aspect, a cargo transportation unit (CTU) status notification is received from a cargo tracking device coupled with a CTU. The CTU status notification indicates a load status of the CTU. The CTU is determined to be ready for shipment based on the CTU status notification. Availability information associated with each of a plurality of drivers is received. A driver is selected for the CTU from the plurality of drivers based on the CTU status notification and the availability information. A delivery request is sent to the selected driver.Type: ApplicationFiled: September 1, 2016Publication date: March 1, 2018Applicants: BlackBerry Limited, 2236008 Ontario Inc.Inventors: Conrad Delbert SEAMAN, Justin Earl MOON, Prabhul DEV
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Publication number: 20180060810Abstract: Systems, methods, and software can be used to improve efficiency of a cargo shipping system. In some aspect, a cargo transportation unit (CTU) status notification is received from a cargo tracking device coupled with a CTU. The CTU status notification indicates a location of the CTU. A load event is determined based on the location of the CTU. A delivery record is generated based on the load event. A rating of a driver that is assigned to the CTU is generated, based on the delivery record.Type: ApplicationFiled: September 1, 2016Publication date: March 1, 2018Applicants: BlackBerry Limited, 2236008 Ontario Inc.Inventors: Conrad Delbert SEAMAN, Kristian Neil SPRIGGS, Justin Earl MOON
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Publication number: 20180060811Abstract: A method of using a set of earpieces to enable a drone delivery includes determining by a drone a position of a user of the set of earpieces, determining by the set of earpieces a position of the drone relative to the set of the earpieces, electronically communicating delivery information from the drone to the set of the earpieces, generating audio messages at the set of the earpieces based on the delivery information from the drone and the position of the drone relative to the set of the earpieces, and conveying by the drone a payload from the drone to the user of the set of earpieces. The set of earpiece includes a left earpiece and a right earpiece wherein each of the left earpiece and the right earpiece comprises an earpiece housing, a speaker, a microphone, a processor, a transceiver, and an inertial sensor.Type: ApplicationFiled: August 30, 2017Publication date: March 1, 2018Applicant: BRAGI GmbHInventor: Peter Vincent Boesen
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Publication number: 20180060812Abstract: A synchronized delivery system for delivering parcels directly to an alternate delivery location such as a locker bank in lieu of making any delivery attempt at a primary delivery location such as a home or office. The system may deliver parcels directly to the alternate delivery location when a related parcel is currently stored at the alternate delivery location awaiting pickup. A related parcel may include a parcel addressed to the same consignee, to a related consignee (e.g., such as a neighbor, roommate, or spouse), or to another authorized to pick up parcels on behalf of the consignee. When delivering parcels to alternate deliver locations, the system may facilitate a grouping of related parcels in a single locker.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventors: Kalin Robinson, Robert J. Gillen
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Publication number: 20180060813Abstract: An autonomous delivery vehicle system is provided. The system includes a security key transmitter configured to provide a security key to a secure facility server. Where the security key is valid, two-way communication is established between the delivery vehicle system and the secure facility server. The delivery vehicle system transmits lading information reflective of goods to be delivered or picked up. The secure facility server transmits instructions responsive to valid lading information.Type: ApplicationFiled: August 23, 2016Publication date: March 1, 2018Applicant: Ford Global Technologies, LLCInventor: Scott Aaron Ford
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Publication number: 20180060814Abstract: Systems, methods, and software can be used to improve efficiency of a cargo shipping system. In some aspect, a shipping request for a load is received. A plurality of cargo transportation unit (CTU) status notifications are received. Each of the plurality of CTU status notifications is generated by a cargo tracking device coupled with a respective CTU, and each of the plurality of CTU status notifications indicates a load status of the respective CTU. A CTU is selected to ship the load based on the plurality of CTU status notifications. A shipping order is sent. The shipping order identifies the selected CTU.Type: ApplicationFiled: September 1, 2016Publication date: March 1, 2018Applicant: BlackBerry LimitedInventors: Conrad Delbert SEAMAN, Prabhul DEV, Kristian Neil SPRIGGS
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Publication number: 20180060815Abstract: A refrigerant life cycle management and compliance tracking and monitoring system and method for maintaining large quantities of refrigerant stored and transported in bulk tanks and containers. The system is customizable and can be used to store, track and compile regulatory and status information about a refrigerant being transported in tanks and any other data relevant to the quality, status or custody of a tank and its contents. The system and method allow access to database information by compliance officers and inspectors for required regulatory reporting. The system and method are accessible through a web browser or mobile application.Type: ApplicationFiled: November 6, 2017Publication date: March 1, 2018Inventors: Ralph Ted Atwood, Chase Daniel Sanders, William Samuel Sanders
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Publication number: 20180060816Abstract: A computer-implemented method may include determining whether a computing device accessing an online application marketplace is associated with a particular business entity registered with the online application marketplace. The method may further include identifying applications that were selected by a representative of the particular business entity to be identified to users whose devices are determined to be associated with the particular business entity. The method may still further include providing data for displaying the applications and a control for downloading executable code for at least one of the applications, receiving an indication that the control has been selected by the user to download the executable code for the applications, and providing the executable code for the at least one of the applications.Type: ApplicationFiled: September 8, 2017Publication date: March 1, 2018Inventors: Wesley Pereira, Hong Zhang
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Publication number: 20180060817Abstract: A method for preparing a presentation connects a plurality of geographically dispersed contributors to a controller through a network to collaborate to prepare the presentation, allows the contributors to propose contributions to the presentation residing on storage devices under the control of the contributors, makes the proposed contributions available for viewing and comment by all contributors, allows the controller to select one or more of the proposed contributions, and provides the controller access through the network to the storage devices to retrieve the selected contributions for inclusion into the presentation.Type: ApplicationFiled: September 14, 2017Publication date: March 1, 2018Inventor: Nicholas T. Hariton
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Publication number: 20180060818Abstract: A system and method of conference assistance, each of which: receives voices or writings input by a plurality of participants participating in a conference relating to a project; calculates, based on the received voices or writings, an evaluation value used for evaluating the project; transmits the calculated evaluation value to the project evaluation server; and controls a display to display a project evaluation information representing an evaluation result of the project, the project evaluation information being received from the project evaluation server in response to transmission of the evaluation value.Type: ApplicationFiled: August 23, 2017Publication date: March 1, 2018Applicant: Ricoh Company, Ltd.Inventors: Yorichika ISHIYAMA, Hiroyuki KIMBARA, Yuichi TAKAMIYA, Takeshi SUZUKI, Masaaki KAGAWA, Takahiro YAMAMOTO
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Publication number: 20180060819Abstract: The subject matter discloses a system that enables approvers of a document to add one or more approvers to any position the list, to cause the approving process to restart from a certain approver and to post questions to other users. The history of all actions that took place in the approving process is clearly displayed to the users in chronological order, describing the action, the requestor, the requested user and all related texts.Type: ApplicationFiled: January 3, 2016Publication date: March 1, 2018Inventors: Eyal FELDMAN, Ofer FELDMAN
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Publication number: 20180060820Abstract: Apparatuses and computer-implemented methods are presented for discovering career and job opportunities that are categorized within one or more taxonomies having hierarchical categories. A taxonomy selection mechanism may be provided to enable user selection of one of multiple taxonomies for navigation. A taxonomic node network is rendered on a first portion of a user computing device display screen. The taxonomic node network includes elements corresponding to categories within the selected taxonomy, with the elements being animated for dynamic redistribution around a selected one of the network elements. Another portion of the user computing device display screen is automatically updated to display indicia of job opportunities categorized within a taxonomy category associated with the selected network element.Type: ApplicationFiled: August 25, 2016Publication date: March 1, 2018Inventors: Cynthia Reuter, James Collier, Michael Nakahara
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Publication number: 20180060821Abstract: A web-based employee referral computer-implemented system for targeting specific group of employees, and providing rewards based on the action or events participated by the employee in various steps of the recruiting process is disclosed. The system comprises an employer module, an employee module and an administrator module. The employer module is a web server based system configured to create, monitor, and control the sub-modules of the employee referral system. The employee module is a mobile device configured to receive the job advertisement with a communication and referral options with a status of the reward points from the employer module. The communication option in the advertisement enables the employee to share the advertisements, and the referral option in the advertisement enables the employee to send the data of a referral to the employer. The administrator module is a cloud device configured to manage the employer and the employee modules by a service provider.Type: ApplicationFiled: August 26, 2016Publication date: March 1, 2018Inventor: Joseph Ziccardi
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Publication number: 20180060822Abstract: A system and method includes obtaining, from a database, member characteristics of a member of an online social networking system, obtaining, from the database, job characteristics of a job posted to the online social networking system, and determining, characteristic scores including, for each member characteristic, a characteristic score based on a relationship between the member characteristic and an associated one of the job characteristics. A processor combines the characteristic scores to obtain an aggregate job score, combines a subset of the characteristic scores to obtain a category score, obtains, from the database, aggregate job scores and category scores associated with the job from other members of the online social networking system, and determines an aggregate rank of the aggregate job score in relation to the aggregate job scores and a category rank of the category score in relation to the category scores.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventors: Chenying Hou, Aibo Tian, Suman Sundaresh, Lee Mallabone, Thogori C. Karago
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Publication number: 20180060823Abstract: A method for providing integrated job board for job management, the method comprising creating job requirements for users, wherein user comprises at least one of a recruiter of a company or an account manager or an administrator; posting the job requirements; receiving profiles from job seekers; matching job seekers profiles with the job requirements; listing one or more job requirements to the job seekers with a corresponding percentage compatibility, wherein the percentage compatibility is generated based on a plurality of parameters; listing one or more job seekers to the users with the corresponding percentage compatibility, wherein the percentage compatibility is generated based on the plurality of parameters; providing an integrated calling and chatting feature in the job board thereby allowing job seekers and users to connect instantly; tracking activities of the job seekers and the users; and providing updates to the job seekers and the users based on the tracking.Type: ApplicationFiled: August 31, 2017Publication date: March 1, 2018Inventors: Krishna K. GARIMELLA, Shravan KORE, Srikanth BOUNDUGULAPATI
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Publication number: 20180060824Abstract: Methods and apparatuses, including computer programs encoded on computer storage media, for capturing tracked activity data and synchronizing the tracked activity data across multiple devices. One of the methods includes, a controller, in communication with a plurality of user devices, receiving identification of activities to be tracked from a first user device of a group of user devices associated with a single user identification. Thereafter, the controller receives the tracked activity data from any user device of the group of user devices, and sends the tracked activity data to the other user devices of the group of user devices. The method includes generating a user interface based on the identified activities, the tracked activity data, and the additional tracked activity data from other user devices. The method includes generating a time entry by populating a time entry template based on the selected activity data.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventors: Ahmed Farouk Shaaban, Venkat Thandra
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Publication number: 20180060825Abstract: This disclosure provides a method for application management including identifying a list of applications, inserting one or more automation schedules for one or more applications of the list of applications into a database, running the one or more automation schedules, identifying one or more instance activity, scheduling a time for the one or more instance activity to occur, and sending a notification to an application user, wherein the notification alerts a user to the scheduled time for the one or more instance activity and a user may choose to change the scheduled time. A system is also provided including an application management module, wherein the application management module includes a dashboard comprising one or more selectable elements for management of one or more applications, wherein application management comprises scheduling and notifying a user of one or more instance activity.Type: ApplicationFiled: August 28, 2017Publication date: March 1, 2018Inventors: William Jeffrey DUBRUL, Jason SCHAMP
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Publication number: 20180060826Abstract: A user is provided with insights into their upcoming day. One or more calendars for the user are identified. The identified calendars are then heuristically analyzed to calculate one or more insights into an upcoming day for the user, and these calculated insights are provided to the user. One or more electronic messages each of which was received by or sent by the user are also identified. The identified electronic messages are then heuristically analyzed to calculate one or more insights into an upcoming day for the user, and these calculated insights are provided to the user. The identified calendars and the identified electronic messages are also heuristically analyzed together to calculate one or more insights into an upcoming day for the user, and these calculated insights are provided to the user.Type: ApplicationFiled: August 24, 2016Publication date: March 1, 2018Inventors: Kevin Niels Stratvert, Ashmeet Oberoi, Manikandeswaran Janagaraj, Evan Ming Lew, Sunny Verma, Arif Saifee, Andranik Kurghinyan
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Publication number: 20180060827Abstract: Methods and apparatus for autonomous vehicle scheduling are disclosed herein. An example method includes receiving, at a first processor, a first request for a vehicle to travel to a location. The first request is to be transmitted to the first processor from a second processor. The example method includes calculating an arrival time of the vehicle based on the first request. The example includes comparing the first request to a second request for the vehicle based on the arrival time. The example method includes scheduling the first request based on the comparison and directing the vehicle to the location based on the schedule.Type: ApplicationFiled: August 25, 2016Publication date: March 1, 2018Inventors: Samer Abbas, Scott Lauffer
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Publication number: 20180060828Abstract: Methods, systems, and apparatus for scheduling appointments between a user and a provider are described. In one aspect, a requested appointment including an requested appointment location and information defining at least one period of time is received from a user. Computer processor instructions are executed to identify at least one current appointment and location during the period. Still more computer processor instructions are executed to determine an interval of time between the current appointment and the requested appointment based at least in part on the location of the current appointment and the requested appointment location, and further to determine at least one available time option for scheduling the requested appointment based at least in part on the interval of time. The available time option(s) is (are) then returned to the user.Type: ApplicationFiled: November 6, 2017Publication date: March 1, 2018Inventor: Brandon Jordan
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Publication number: 20180060829Abstract: Computer-implemented methods, apparatus, and computer program products are provided. In one embodiment, shipment information/data corresponding to a proposed shipment from a customer computing device is received. The shipment information/data may be generated based on a task-management record from user input provided from a shipper. The shipment information/data also identifies a destination location and a desired delivery date for the proposed shipment. In one embodiment, updated shipment information/data is generated and causes the customer computing device to generate updated task-management records via a task-management software application based at least in part on one or more tender dates.Type: ApplicationFiled: August 29, 2016Publication date: March 1, 2018Inventor: Robert J. Gillen
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Publication number: 20180060830Abstract: A work period scheduler includes one or more data processors configured to receive performance data relating to the performance of one or more individual workers from a database. The performance data is then analyzed to identify one or more workers as a leader, a leader being a worker whose presence in a group of the individual workers results in an improvement in overall performance of said group. Work periods, e.g. shifts, may then be scheduled based on one or more skills attributed to one or more workers wherein the one or more skills includes leader.Type: ApplicationFiled: September 23, 2016Publication date: March 1, 2018Applicant: NICE LTD.Inventors: Omer ABRAMOVICI, Iftach SMITH, Charles William GULLEDGE
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Publication number: 20180060831Abstract: A computer-implemented process of tracking events, is carried out by detecting that a first badge is within a personal-area network wireless communication range of a second badge, thus designating an encounter, and performing, by processor executing instructions read out from memory, an event logging transaction responsive to the encounter. The event logging transaction is performed by receiving, from the first badge, an electronic message characterizing an observation made by the user of the first badge relative to a user of the second badge, converting the electronic message received from the first badge into a pinpoint response, and generating an event record comprising an identification of an event type, and the pinpoint response.Type: ApplicationFiled: August 24, 2017Publication date: March 1, 2018Inventor: PHILIP W. SWIFT
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Publication number: 20180060832Abstract: This disclosure provides systems for using failure mode ranking in an asset management system to generate asset maintenance outputs. Operational data, failure mode models, and configuration data for an asset, such as a complex electromechanical system, are related to failure prevention analytics configurations through failure mode rankings to enable the asset management system to reduce a future ranking of potential failure modes by changing the present configuration of the asset to include a recommended failure prevention analytics configuration.Type: ApplicationFiled: August 26, 2016Publication date: March 1, 2018Inventors: John Robert Korsedal, IV, Carlos Andres Hein, Christopher D. Higgins, Marc Gavin Lindenmuth, Molli Anne Dill, Yan Zhao
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Publication number: 20180060833Abstract: A method is provided for the maintenance of vehicles offered for shared use over a plurality of sites, the method including at least one iteration of the following steps: reporting at least one data, relating to a condition of the vehicle or a component of the vehicle; determining, as a function of the at least one status data, at least one vehicle status parameter, associated with the vehicle; the method also including at least one iteration of a phase, called work phase, including the following steps: selecting at least one site, as a function of the vehicle status parameters at least of the vehicles present on the at least one site; carrying out a maintenance operation on at least one vehicle at the selected site.Type: ApplicationFiled: March 7, 2016Publication date: March 1, 2018Inventors: Brice BELVEYRE, Guillaume HUGLA
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Publication number: 20180060834Abstract: Embodiments of the invention are directed toward selecting a preferred transaction application and/or routing options that are provided by a transaction card. The preference can be determined, for example, based on the lowest interchange fee, a bulk rate, and/or an incentive. In some embodiments a transaction card provides a plurality of transaction applications and/or routing options to a POS device and the POS device can communicate these options to a host processor along with transaction data. The host processor can then determine a preference associated with each of the routing options and/or transaction applications, and provide a recommendation to the POS as to which transaction application and/or routing option have preference.Type: ApplicationFiled: August 30, 2017Publication date: March 1, 2018Applicant: First Data CorporationInventor: Steve Mathison
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Publication number: 20180060835Abstract: Implementations of a cryptocurrency mobile services system and method for offering a global roaming and payment procedure is provided. In some implementations, a computer-implemented method for offering these mobile services comprise receiving over a network a plurality of competing offers for mobile services from a plurality of mobile services providers computing devices, respectively. In some implementations, the method further comprises transmitting over a network one or more of the received offers for mobile services to a plurality of mobile devices, wherein for each mobile device, the offer transmitted is based on the location of the mobile device and the coverage available at the location of the mobile device. In some implementations, the method further comprises receiving over a network an indication of a response to a transmitted offer for mobile service from a mobile device.Type: ApplicationFiled: August 30, 2017Publication date: March 1, 2018Inventor: Eric Martin
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Publication number: 20180060836Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing a block chain distributed network for generation of blocks with searchable metadata code embedded therein for recreating a historic record of how a transaction is processed from a client origination to external clearing. The invention provides a process by which a distributed ledger technology is utilized to store complete payment structures and their events across application life-cycles to recreate a historic record of event processing. The record allows for complex tracking and tracing across complex event processing where data points are received, spliced, and processed across multiple applications in a high quantity high velocity environment.Type: ApplicationFiled: August 29, 2016Publication date: March 1, 2018Inventor: Brandon Matthew Castagna
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Publication number: 20180060837Abstract: In an embodiment, a method comprises obtaining a request to perform a first electronic funds transfer transaction from a user to a receiver, wherein the request specifies a principal amount of funds; selecting a fee amount; determining a sum of the fee amount and the principal amount; initiating a transfer of the sum from a bank account of the user without informing the user of the fee amount or the sum; requesting the user to provide the sum; receiving user input specifying a numeric value; determining whether the numeric value matches the sum; in response to determining that the numeric value matches the sum, releasing the first transaction without waiting for an end of a waiting time period specified in one or more financial regulations; wherein the method is performed by one or more computing devices.Type: ApplicationFiled: June 30, 2017Publication date: March 1, 2018Inventors: Ryno Blignaut, Darryl Weatherspoon
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Publication number: 20180060838Abstract: A method, system, and computer program product for facilitating an electronic transaction between a merchant device and a first device having limited network connectivity. The method includes the first device detecting a transaction trigger that indicates an electronic transaction, that is remotely processed by a transaction service is to occur. The method further includes, identifying a second device within a predetermined proximity of the first device which has a secondary connection to the transaction service that meets a connection service criteria. The method includes establishing a data pipe that directly connects the first device and the second device. In response to the data pipe being established, the first device configures the second device to reroute all transaction data received via the data pipe to the transaction service and transmits the transaction data to the second device to complete the electronic transaction between the first device and the merchant device.Type: ApplicationFiled: August 24, 2016Publication date: March 1, 2018Inventors: AMIT KUMAR AGRAWAL, MAYANK GUPTA
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Publication number: 20180060839Abstract: A chargeback prediction computing device for predicting a chargeback stage for a payment transaction is provided. The chargeback prediction computing device is configured to store chargeback data from a plurality of chargebacks associated with a plurality of account holders wherein the chargeback data includes a plurality of variables, determine a set of indicators from the plurality of variables wherein the indicators include variables associated with each chargeback stage, generate a chargeback prediction model based on the set of indicators, receive candidate chargeback data for a candidate chargeback request wherein the candidate chargeback data includes a plurality of candidate variables, apply the chargeback prediction model to the candidate chargeback data to generate an output, and generate a chargeback type for the candidate chargeback request based on the output, wherein the chargeback type indicates a probability that the candidate chargeback request will reach a particular chargeback stage.Type: ApplicationFiled: August 25, 2016Publication date: March 1, 2018Inventor: Ashwath Murali
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Publication number: 20180060840Abstract: A method for managing funds is provided. The method includes receiving a payment vehicle identifier by which a payment vehicle can be identified, the payment vehicle includes an available account balance, transaction details of a purchase transaction, and the transaction details, sending a first amount that is less than or equal to the transaction value if the transaction value does not exceed the available account balance, and sending a second amount that is less than or equal to the first amount. The transaction details include a transaction value, a merchant identifier of a merchant with whom the purchase transaction is being made, and a merchant wallet identifier by which a merchant virtual wallet can be identified, the merchant virtual wallet being associated with the merchant identifier.Type: ApplicationFiled: August 15, 2017Publication date: March 1, 2018Inventor: Ravi Pareek
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Publication number: 20180060841Abstract: Provided are a method and system for effecting a pre-paid redeemable transaction. The method comprises generating payment request data associated with a benefactor on a payer application; the payment request data comprises redeemable payment data associated with a predetermined beneficiary which is valid for a predetermined time period. The payment request data is forwarded from the payer application to a payment server. The payment server initates a payment transaction from a source account associated with the benefactor to a predetermined account in response to receiving the payment request data. The payment transaction is refunded to the source account from the predetermined account if the beneficiary fails to validate the redeemable payment data within the predetermined time period.Type: ApplicationFiled: August 24, 2017Publication date: March 1, 2018Inventors: Ramson Tutte, John Clerkin, Ronan O'Mullane
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Publication number: 20180060842Abstract: In one aspect, a device includes a processor and storage accessible to the processor. The storage bears instructions executable by the processor to receive input pertaining to a bank account. The instructions are also executable to, based on the input, validly initiate an electronic financial transaction and indicate that the electronic financial transaction may be unauthorized.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventors: Rod D. Waltermann, Thomas L. McMasters
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Publication number: 20180060843Abstract: A system or method may implement an overdraft prediction analysis to predict whether an account overdraft is about to occur. The overdraft prediction analysis may be based on: 1. customer account data, such as current account balance, historical balances, historical withdrawals, historical deposits balance trends, and the like; 2. account transaction data, such as routine or recurring account transactions, timing of transactions, amount, deposit or withdrawal transactions, and the like; 3. location data, such as locations of past purchases or payments; and 4. time and date data, such as dates and times of past transactions. Other factors, such as credit score, loan activities, social data, or the like also may be used for the overdraft prediction analysis. Once an overdraft situation is predicted, the system or method may provide options for the users to avoid or mitigate the potential account overdraft.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventor: Vishal Maheshwari
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Publication number: 20180060844Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.Type: ApplicationFiled: October 30, 2017Publication date: March 1, 2018Inventors: Dennis S. BRENNAN, Steven POTTER, Jonathan WITTER
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Publication number: 20180060845Abstract: Omni-Channel experiences provide convenience to consumers by allowing the consumer to start and complete a transaction on a channel that is most convenient to them. This can entail a transaction being shared across two or more channels, or between a consumer and a staff member. Embodiments herein provide an infrastructure that allows a transaction to be shared in (near) real-time across channels allowing a cooperative, responsive experience that can be used to improve a number of consumer experiences. Note that in some embodiments a channel is a communication channel, device, application, or app through which a consumer is able to communicate, such as with a teller, clerk, other customer such as a spouse or child, a support desk, an automated teller, and the like.Type: ApplicationFiled: August 30, 2016Publication date: March 1, 2018Inventor: Andrew Monaghan
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Publication number: 20180060846Abstract: Various systems, mediums, and methods herein describe mechanisms that enable a user to send a request from her smartphone to multiple retriever devices, such that an item may be retrieved for the user. At least one of the users of the retriever devices may accept the request to retrieve the item for the requesting user. The retrieving device may send an acceptance message to the requester's smartphone to confirm that the item may be retrieved for the requesting user. In such instances, a retrieval fee may be transferred to the retrieving user's account accessible with the retriever device that accepted the request.Type: ApplicationFiled: August 23, 2016Publication date: March 1, 2018Inventor: Michael Charles Todasco
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Publication number: 20180060847Abstract: A method of self-serve electronic ticket sales to purchasors in a plurality of licensed raffles which can replace traditional paper-based raffle methods. A server contains a raffle database including a. plurality of raffle records corresponding to raffles offered for sale, including limitations of who can buy tickets in the raffle to comply with license requirements. Purchasors access the server via their client devices to review the details of available raffles for sale which are selected and displayed to the purchasor by comparison of the purchasor's profile with raffle criteria, and can purchase tickets in the raffles directly through the session between their device and the server. The vendor of the raffle is not required to use purpose built hardware to facilitate ticket sales, and regulatory compliance is ensured by requiring the details of a license to be stored in respect of each raffle in order for it to be offered for sale.Type: ApplicationFiled: September 20, 2016Publication date: March 1, 2018Inventors: Paul Burch, Jody Price, Jared Donauer
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Publication number: 20180060848Abstract: The present invention is a retail or restaurant point-of-sale (“POS”) system that is text-message enabled. The present invention includes typical POS functionality such as menu and product configuration, order creation, order submission, and payment processing. The system enables customer service from the point-of-sale system through text messaging. The system can also import, directly, text via text message or email, into the order screen of the POS system.Type: ApplicationFiled: August 24, 2017Publication date: March 1, 2018Inventors: ALI HUSAIN, MICHAEL COCHRAN, HAARIS AHMAD