Abstract: Some embodiments provide retail product inventory distribution systems, comprising: an inventory tracking system; an inventory management control circuit configured to couple with a source of multiple different types of mobile analytics information, and to: electronically access aggregated layers of multiple different types of mobile analytics information corresponding to activities associated with multiple different electronic user devices; identify, based on at least a first pattern of activity determined from the aggregated multiple different types of mobile analytics information, an inventory adjustment activity to be implemented as a function of the first pattern of activity relative to retail services; and communicate instructions to cause the inventory adjustment activity to be implemented.

Abstract: An apparatus comprises a container (such as a retail shopping facility), a wireless transceiver, and a control circuit that utilizes the wireless transceiver to conduct a wireless communication with a product that is disposed within the container via a native wireless-communications capability of the product. The control circuit then maintains an inventory record of products as a function, at least in part, of the wireless communications with the product. The wireless communication can be initiated by the aforementioned control circuit or by the product as desired. Maintaining the inventory record can include adding the communicating product to the inventory record of products or confirming that the communicating product is already presently included in the inventory record of products.

Abstract: Systems and methods are provided for a low stock product display alert system. A system includes a pushing element configured to push one or more products toward a front of a shelf as a unit of the product is removed from the shelf. The system also includes an RFID component, where the RFID component is configured to be in a dormant state when the pushing element is in a first position. The system further includes an activation element configured to activate the RFID component when the pushing element is in a second position, where when activated, the RFID component is configured to emit a signal indicating that the product display is out of product.

Abstract: In some embodiments, methods and systems of locating overstock items at a retail sales facility include receiving data when a worker of the retail sales facility scans a product case containing a product using an inventory management electronic device including a processor; obtaining at least one inventory management factor associated with the product; estimating whether the product is to be picked by the worker from a storage bin at a stock room location while packed in the product case or after being removed from the product case; and outputting, based on the estimating step, an indication to the worker either that the product is to be picked from the storage bin without being removed from the product case, or that that the product is to be picked from the storage bin after being removed from the product case.

Abstract: Methods and systems can automate the delivery of motor vehicle fuel while reducing the need for operator involvement and driving to a gas station. A server with access to a database and in wireless communication with computers installed in a motor vehicle can collect data from the computers including vehicle fuel level and vehicle geographic location. The data can be compared to the data to a fuel level threshold and geographic boundary. The data can be transmitted wirelessly through a wireless network to the database. A mobile fuel tanker truck can be dispatched to the vehicle's location when at least one of: fuel service is requested by a user of the vehicle or the vehicle's fuel level falls beneath the fuel level threshold. Fuel service can be requested by a user via a smartphone running an application that enables the monitoring, management, selection, and ordering of fuel service.

Abstract: The invention encompasses methods and apparatuses for tracking and tracing containers and their contents in a supply chain. Inventions disclose apparatuses capable of scanning multiple containers while in a tray having viewing windows. An associated tray and container for accommodating such scanning is also disclosed. Also disclosed are methods for tracking and tracing the scanned containers and contents.

Abstract: Provided is a courier shopping system. The system includes a customer computing device for accessing and receiving data produced by the system and a server located at a service provider. The server is coupled to the customer computing device and programmed to operate a courier management system; operate a customer management system; operate a vendor payment sharing system; and operate a customer interface.

Abstract: Disclosed are systems and method for providing automatic return shipping. In one embodiment, the method comprises receiving a purchase request, the purchase request including an identification of a product and a user identifier; generating a return label upon receiving the purchase request; providing the return label to a user; receiving a return item from a user, wherein the return item includes the return label; scanning the return label to determine a merchant identification, wherein the merchant identification includes a location of the merchant; and delivering the return item to the merchant based on the location of the merchant.

Abstract: A computer program product, system, and computer-implemented method for brokering an online transaction between a consumer and a provider of a consumer good. The method includes creation of an item request, an acceptance of the item request by one or more providers and/or consumers, and accepting a delivery confirmation of a consumer good into computer-readable memory. Consumers and providers may be matched together using a matching algorithm. An available pool of providers is determined to perform a requested delivery based at least in part on proximity of the delivery location of the consumer to the final destination of the provider, and the given time range. The available pool of providers may be adjusted to include only providers satisfying a consumer selection criteria.

Abstract: System and method for promoting enterprise adoption of a web-based collaboration environment are disclosed. In one aspect, embodiments of the present disclosure include a method, which may be implemented on a system, for detecting eligibility of a user having an account in the web-based collaboration environment, for the user to invite additional users to join the web-based collaboration environment, providing the user with a mechanism to invite the additional users to join the web-based collaboration environment to create accounts with enhanced features, and/or sending, to those of the additional users who qualify, an invitation to create new accounts in the web-based collaboration environment, those of the additional users who qualify are affiliated with the enterprise of the user having the account. The new accounts that are created include the enhanced features.

Abstract: A user interface for an electronic calendar represents different locations or different users or different user calendars in different portions of the display. Calendar entries can be associated with one or more locations, one or more users, and with one or more user calendars. The different locations may reside in different time zones and a timeline for each time zone is displayed. The position of the calendar entry provides a visual identifier of the timeline with which the event is associated. Travel time to and from events in the calendar are calculated for calendared events and shown adjacent to the beginning and end of the event. A user's future location at a point in time is inferred from patterns in the user's locations and by analyzing the user's calendared events and correspondence in order to calculate travel time to calendared events.

Abstract: A user submits a job search query in an online social networking system. The online social networking system calculates a score based on the similarity between the job search query and the profile of the user. When the score transgresses a threshold, the job search query is enhanced by adding data from the profile of the user to the job search query. The job search query is then used to search for, identify, and display jobs in the online social networking system.

Abstract: Methods, systems, and apparatus, including computer programs encoded on storage devices, for performing a job opportunity search. In one aspect, a system includes a data processing apparatus, and a computer-readable storage device having stored thereon instructions that, when executed by the data processing apparatus, cause the data processing apparatus to perform operations.

Abstract: Systems and methods for managing electronic calendars to reduce user stress are disclosed. In embodiments, a computer-implemented method comprises: receiving, by a computing device, event data associated with a new calendar event; comparing, by the computing device, the event data with one or more stress elevating factors of a user in a stress logging module; and determining, by the computing device, whether the new calendar event is associated with a potential undesirable elevation in the user's stress level based on the comparing the event data with the one or more stress elevating factors.

Abstract: Variety of approaches to automatically update a calendar event are described. A productivity service initiates operations to automatically update a calendar event by processing a content of a received email. Event information is identified within the content of the email. The event information relates to the calendar event. Next, an update to the calendar event is detected within the event information. The update is applied to the calendar event.

Abstract: Variety of approaches to automatically update a calendar event are described. A productivity service initiates operations to automatically update a calendar event by analyzing the calendar event to identify a contextual information associated with the calendar event. A service provider associated with the contextual information is queried for an update signal associated with the calendar event. Upon receiving the update signal from the service provider, the calendar event is updated based on the update signal.

Abstract: A meeting service with meeting time and location optimization is described. In some examples, organizer and attendee behaviors may be analyzed and used as contextual factors in computing ranking scores for potential meeting times. To optimize a meeting for the attendees (including the organizer), potential meeting times and locations may be ranked based on weighted coefficients for the factors that are used in ranking such as attendee schedules, preferences, meeting type, location attributes, attendee preferences for locations, and extraneous factors such as events and other happenings that may impact availability or access of attendees as well as meeting locations.

Abstract: Methods, systems, and computer program products for estimating the number of attendees in a meeting are provided herein. A computer-implemented method includes generating one or more event attendance models for individuals, wherein said generating comprises applying one or more machine learning techniques to a set of training data; computing a probability that each of the individuals will attend a given event by applying one or more of the generated attendance models to (i) an invitation for the given event and (ii) a communication attributed to each of the individuals in response to the invitation; estimating the number of the individuals that will attend the given event by combining the computed probabilities; and outputting the estimated number of the individuals that will attend the given event to at least one user.

Abstract: There is provided an apparatus for providing maintenance services for an electrically operated smoking device, the apparatus including an input including an electrical connector configured to engage electrical contacts on the electrically operated smoking device; and a controller connected to the input and being configured to automatically perform electrical testing of the electrically operated smoking device and to provide a test report based on an outcome of the electrical testing, or to perform a software update or a software reset of the electrically operated smoking device, or to provide both a test report and perform a software update or a software reset of the electrically operated smoking device, when the electrically operated smoking device is connected to the input. There is also provided a system and a method of providing maintenance services to a user of an electrically operated smoking device using a publically accessible automatic testing apparatus.

Abstract: Methods and Apparatus are provided that allow consumers to select from a hierarchical display of contractor service contractors using a variety of selection criteria. Methods and Apparatus are provided in which a graphical user interface comprising a plurality of selectable contractor service categories is displayed. A selection of at least one of the plurality of selectable contractor service categories is received as is a service location and a contractor service job type. Iterating through a hierarchical list of contractor service individuals is achieved by: transmitting, in an iterative manner, a work order that comprises the service location and the contractor service job type until a confirmation is received from at least one of the contractor service individuals.

Abstract: Mobile CheqPointe is a software application utilized separately or integrated, specific to the institution, as a feature to Mobile Check Depositing. Its purpose is to help reinforce check verification for personal or financial institutional use prior to mobile upload for deposit. Using a portable device, such as a mobile device with photographing capabilities and prior to depositing; a photograph is taken and uploaded into the application. Once a legible photo is captured, the software will then investigate to determine if any missing information or details pertinent to the paying bank are retrieved. Highlighted fields will indicate the error, then provide the customer with proper steps to ensure a non-returned bank draft. If the inspection, of all indicated fields on the check, has produced no results, then the check will be available for immediate deposit without error.

Abstract: A computer-implemented method for processing payment requests via social media. Including receiving a payment request initiated by a payer via a social media network, including payer information associated with the payer and payee information associated with a payee. The method includes determining that the payer information is valid, generating an intent-to-pay notice associated with the payment request, and transmitting the intent-to-pay notice to a payee server associated with the payee based on the payee information. The method includes receiving a payment information request from the payee server. The payment information request includes information associated with the intent-to-pay notice. The method includes, in response to the payment information request, transmitting payment information to the payee server. The payment information allows the payee to process a payment associated with the payment request.

Abstract: A method includes receiving a transacting media container having video content and an affiliate tracking identifier with first entity information associated with a first entity. The method also includes identifying second entity information associated with a second entity and retrieving supplemental content based on the second entity information. The method further includes adding the supplemental content to the transacting media container and the second entity information to the affiliate tracking identifier.

Abstract: A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.

Abstract: An example method for providing out-of-pocket cost for invasive and/or operative procedure bundles includes: receiving a query that identifies an insurance payor, a requested procedure, and an insured patient; defining one or more providers required by the requested procedure; translating the query into a corresponding electronic data interchange eligibility and benefits inquiry for each of the one or more providers; sending each electronic data interchange eligibility and benefits inquiry to a payor; receiving a corresponding electronic data interchange eligibility and benefits response from the payor; parsing and extracting necessary elements from the eligibility and benefits responses; mapping and sending the parsed and extracted necessary elements from the eligibility and benefits responses to a cost calculator; collecting, calculating, and/or estimating corresponding provider contracted rates; and sending the collected, calculated, and/or estimated corresponding provider contracted rates to a cost calcul

Abstract: A method and system are presented for scheduling payments. The method comprises the operations of: a) storing, in a memory, instructions for an action to be taken when at least one specified criterion is fulfilled, the specified criterion relating to anticipated funds to be received and/or anticipated funds authorized for receipt; b) receiving, by a processor, details of funds received and/or funds authorized for receipt; c) checking, by the processor, whether the specified criterion is fulfilled; d) repeating steps b) and c) until the specified criterion is fulfilled; and e) upon fulfillment of the specified criterion, actioning the instructions stored in the memory.

Abstract: Techniques for managing software licensing cost information are disclosed. In one embodiment, license data including licensing cost information associated with a product may be obtained. A license key for the product may be generated by encrypting the license data using an encryption key. The license key and a decryption key may be provided to a management tool associated with a client device. The management tool may be enabled to decrypt the license key using the decryption key to track the licensing cost information associated with the product.

Abstract: Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons by one or more LED light fixtures used by a customer. In one example, a method comprises receiving a monetary amount as compensation for photons generated by the LED light fixtures/light sources, maintaining a contractual relationship with the customer in exchange for the monetary amount, the contractual relationship including a requirement that the provider pay an electricity supplier for the electricity consumed by the LED light fixtures/light sources, determining, with a meter associated with each respective LED light fixture/light source, the amount of electricity consumed by the LED light fixtures/light sources used by the customer over a period of time, and in response to the determination and on behalf of the customer, submitting payment to the customer's electricity supplier for the electricity consumed by the LED light fixtures/light sources used by the customer.

Abstract: A store profile generation system includes a mobile base and an image capture assembly mounted on the base. The assembly includes at least one image capture device for acquiring images of product display units in a retail environment. A control unit acquires the images captured by the at least one image capture device at a sequence of locations of the mobile base in the retail environment. The control unit extracts product-related data from the acquired images and generates a store profile indicating locations of products and their associated tags throughout the retail environment, based on the extracted product-related data. The store profile can be used for generating new product labels for a sale in an appropriate order for a person to match to the appropriate locations in a single pass through the store.

Abstract: A merchant analytics computing device for generating aggregated merchant analytics for a geographic sector using tip data is provided. The merchant analytics computing device is programmed to define a plurality of geographic sectors and receive transaction data occurring within a period of time. The transaction data is associated with merchants located in the sector and includes authorization and clearing transactions. The merchant analytics computing device is programmed to match a plurality of authorization and clearing transactions, calculate a tip size for each matched transaction, identify the sector for each merchant, and generate aggregated merchant analytics for each sector based on the transaction data. The aggregated merchant analytics represent a ranking of each sector relative to all other sectors of the plurality of sectors and include at least a tip size score based on the calculated tip size. The merchant analytics computing device displays on a user device the aggregated analytics.

Abstract: A voice checkout system and method for electronic commerce uses a voice command to not only initiate/trigger a transaction but also to carry it out with stored information, notifying the POS station/online shopping cart that the transaction has been completed. A customer's microphone provides a recording of a verbal purchase command candidate which is submitted by a portal to a third party processor to verify that the customer is registered and the payment is processed (by the third party processor). An optional biometric voiceprint engine identifies the correct words and vocal patterns of the customer and returns to the seller the information that the transaction is verified.

Abstract: A method and device are provided for registering an electronic card in an electronic device. The method includes detecting reception of a card-related message; determining whether to register a card related to the card-related message as an electronic card; acquiring card information associated with the card related to the card-related message, in response to determining to register the card as the electronic card; and registering the card as the electronic card in the electronic device, by using the card information.

Abstract: Systems and methods for device and payment management include detecting, through a first network, that a user device that is associated with a user is located at a trusted location. A first anticipated activity that is associated with the user is determined. The first anticipated activity identifies a first activity location that is different from the trusted location. A first device management configuration that is associated with the first anticipated activity. A first user device action to be performed on the on the user device at the trusted location is determined using the device management configuration. A first notification that causes the first user device action to be performed on the user device while the user device remains at the trusted location is sent to the user device through the first network.

Abstract: A first client obtains a transfer value, generates a value transfer code based on account information and the transfer value, and enables a near field communication channel to transmit the value transfer code to the second client. The second client obtains the value transfer code transmitted from the first client through the near field communication channel, verifies the value transfer code, and in response to the value transfer code passing the verification, transmits the value transfer code to the server and the server carries out the value transfer according to the value transfer code.

Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.

Abstract: An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.

Abstract: Techniques are disclosed relating to authorization of asset sharing for transactions by other user accounts. In some embodiments, an apparatus is configured to transmit a request to a mobile device on behalf of a first user account. In some embodiments, the apparatus is configured to receive, from the mobile device in response to the request, an electronic message in a format recognized by an authorization computing system. In some embodiments, the electronic message includes a constraint for a transaction, a replenishment key, and a hash value generated based on at least a portion of other information in the message. In some embodiments, the apparatus is configured to transmit the electronic message for communication to the authorization computing system. In some embodiments, the apparatus is configured to receive transaction authorization based on a comparison of the hash value in the electronic message and a copy of the hash value from the mobile device.

Abstract: Embodiments of the invention are directed to systems and methods for securely and efficiently updating account information across resource providers. Embodiments of the invention provide a method for managing account data that is an improvement in both speed and security over prior methods used by account data management systems. According to embodiments of the invention, account data is linked to resource provider specific tokens stored and managed by a digital wallet provider. Resource provider specific tokens may be stored by resource providers to conduct future transactions, also including recurring or automatic transactions. To manage the resource provider specific tokens, a user may simply send requests to the digital wallet provider using a single interface displayed on a user device rather than by logging into accounts for numerous resource providers and continuously entering updated account data.

Abstract: The invention relates to a method and system for supplying a token in a host card emulation system comprising first and second devices and a secure payment platform, the method comprises the steps of transfer by the second device to the first device an identifier of the second device, reception by the second device of a first token and an identifier of the second device, the first token being a symmetrical derivation of a second token of the first device with the identifier of the second device, transfer by the second device of a message comprising a cryptogram signed with the first token, the identifier of the first device and predetermined information indicating that the first token has been transferred by a third party.

Abstract: Provided is A vendor payment sharing system. The system includes a customer computing device for accessing and receiving data produced by the system and a server located at a service provider, the server coupled to the customer computing device. The server may be programmed to receive from the customer computing device an acceptance indication of the products delivered from a courier service. The server is also programmed to automatically process payment for a total amount due for the products and services related to obtaining and delivering the products and to automatically divide the payment between parties that provided services related to obtaining and delivering the products. The system further may be programmed to encrypt the payment and the division of the payment with a blockchain.

Abstract: A method for processing transaction data includes: receiving a generation request to generate a common account number, the request including identification information of a plurality of funding accounts and a plurality of authorizations to charge the funding accounts for a respective portion of a future payment transaction; generating the common account number; transmitting the common account number to the communication device; receiving a payment authorization request including an amount and the common account number; allocating portions of the amount to the respective funding accounts; respectively transmitting authorization requests to pay the respective portions to one or more servers of financial institutions providing the plurality of funding accounts; receiving payment authorizations in response to the plurality of authorization requests; respectively debiting the plurality of funding accounts for the allocated portions of the amount; and transmitting an authorization signal in response to the payment

Abstract: A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant. During the course of an online payment transaction, the cardholder authentication computing device may receive an authentication request messages containing pre-authentication data from a merchant computing device. The cardholder authentication computing device then authenticates the user based, in part, on the pre-authentication data. In certain embodiments, the cardholder authentication computing device may also determine whether one or more partner services apply to transactions between the user and the merchant based on the user's affiliation with the organization.

Abstract: An automated at-the-pump method manages vehicle fuel purchases at a fuel station. The method includes transmitting driver identification data to a mobile device assigned to a vehicle driver. The driver identification data is electronically verified to confirm that the driver identification data received by the mobile device matches the assigned vehicle driver. Vehicle data is transmitted from a data bus of the vehicle to the mobile device for storage in the memory. The vehicle data and driver identification data are transmitted to a remote terminal. Using the remote terminal, the vehicle data and driver identification data are electronically authenticated. An authorization signal is then transmitted from the remote terminal to an at-the-pump fuel control terminal.

Abstract: A payment processor or network receives an incoming PAN pursuant to a payment card transaction between a merchant and a customer and translates the PAN into a token having a token value for N digits within a middle portion of the PAN, while preserving a PAN value for M digits within a terminal portion of the PAN. Pursuant to generation of the token, the payment processor or network performs BIN substitution on the PAN to replace the BIN within the PAN with a different BIN. The payment processor or network sends the token downstream for downstream processing of the transaction. Upon completion of downstream processing, the payment processor or network translates the token back into a PAN for any further processing of the transaction upstream.

Abstract: Systems and methods for evaluating trustworthiness for an online transaction are provided. The methods may include providing a detection script to a user device alongside content requested by the user device. The detection script is executable on a web browser or web-based application of the user device and configured to cause the user device to send feedback from at least one sensor on the user device that is accessible by the web browser or web-based application. The system receives the feedback from the user device at a server and evaluates the feedback from the at least one sensor on the user device. The script further allows the server to obtain location information for the user device. The server calculates a trustworthiness factor for the user device based on the obtained feedback and location for the user device.

Abstract: Past payment thresholds of a payment account are received. A first data sequence is determined by applying a differential operation to the past payment thresholds. A second data sequence is determined by processing the first data sequence. A payment threshold change rule is determined based on the second data sequence. The payment threshold change rule is applied before completing a fund transaction service for the payment account to mitigate the risk of the payment account.

Abstract: This invention related to a method to validate a dynamic security code generated for a payment transaction, said method comprising the steps of: providing for a given payment transaction a dynamic security code associated to an identifier of said transaction; verifying using a verification memory if the provided dynamic security code has already been validated when associated to the same associated identifier; if not, verifying the validity of the provided dynamic security code; if the provided dynamic security code is valid, memorizing in the verification memory the provided dynamic security code, the associated identifier of the payment transaction.

Abstract: A fingerprint recognition card includes a first region configured to receive power from a battery of the fingerprint recognition card, supply the power supplied from the battery to a second region in response to an input of a power button of the fingerprint recognition card, and control activation of a third region based on a fingerprint authentication result provided from the second region, the second region configured to be activated in response to the power supplied from the first region and include a fingerprint sensor configured to sense a fingerprint input by a user of the fingerprint recognition card and the third region configured to be activated based on the control of the first region.

Abstract: The invention provides an improved genomics-based method and apparatus for identification, authentication, and verification. Genomic information from an individual's genome, is used as an encryption key in methods, systems and apparatus for transmitting data in an encrypted fashion. The resulting encrypted data set is secure and may be employed in financial, telecommunications, military, and healthcare environments.

Abstract: This disclosure includes biometrically secured networked devices with enhanced privacy protection. One system includes a first biometrically secured device having a first sensor, and a second biometrically secured device having a second sensor. The first device is programmed to: (i) obtain a first sample of a first biometric using the first sensor; (ii) generate a secret biometrically derived key using the first sample of the first biometric; (iii) encrypt a set of biometric data using the secret biometrically derived key; and (iv) transmit the set of encrypted biometric data to the second biometrically secured device. The second device is programmed to: (i) obtain a second sample of the first biometric using the second sensor; (ii) generate the secret biometrically derived key using the second sample of the first biometric; and (iii) decrypt the set of biometric data using the secret biometrically derived key.