Abstract: Various technologies described herein pertain to an automated dispenser including a dispensing portion, a motion sensor, a receiver module, and a control module. The control module initiates motion sensing by the motion sensor in response to receipt of an activation signal from a network server by the receiver module. The dispensing portion dispenses a product in response to the motion sensor sensing an absence, presence or motion of an object.

Abstract: The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Abstract: Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid transaction card associated with the funds. The methods and systems also include a prepaid transaction card identifier, wherein the prepaid transaction card identifier identifies the prepaid transaction card. The issuer maintains a central computer system that stores at least one parameter entitling the purchaser to a refund of at least a portion of the funds. The methods and systems also include a cash pool, the cash pool holding at least a portion of the funds funded by the purchaser.

Abstract: A comparator can incorporate a hysteresis circuit to control when the output of the comparator changes between a high voltage signal and a low voltage signal. The comparator can receive a differential signal and can output either the high voltage signal or the low voltage signal. When the differential input signal is above a first threshold voltage, the output of the comparator can transition to the high voltage signal and when the differential input signal is below a second threshold voltage, the output of the comparator can transition to the low voltage signal. The hysteresis circuit of the comparator is used to adjust the first threshold voltage and the second threshold voltage required to transition the output of the comparator based on the present state of the output signal of the comparator.

Abstract: The disclosure provides a portable electronic card system and a method for manufacturing a rewritable plastic card. The portable electronic card system includes: a portable personal electronic device, a rewritable plastic card and a writing device. The portable personal electronic device is used for obtaining a certificated code and a personal information from a database by internet. The rewritable plastic card has a rewritable storage device for storing the personal information. The writing device electrically connects to the portable personal electronic device, and is used for writing the personal information into the rewritable plastic card.

Abstract: Authentication for payment transaction includes receiving, by a point-of-sale (POS) terminal, an indication that a payment account of a cardholder is associated with a mobile device and receiving a second indication of physical possession of a payment card by a merchant. The authentication includes receiving a purchase request for an authorization of exchange from the payment account of the cardholder to the merchant and assigning a transaction identifier to the request for the authorization of the exchange. The authentication includes transmitting the request for authorization of the exchange from the cardholder payment account to the merchant and the transaction identifier. The authentication includes receiving an indication that an authentication identifier is associated with the transaction identifier. The authentication includes receiving a copy of the authentication identifier, facilitated by the cardholder.

Abstract: A computing device may determine to execute a secured function. The computing may obtain a biometric of the user of the computing device utilizing one or more biometric sensors associated with the computing device, determine that the biometric matches the biometric of a user authorized to utilize the secured function, and execute the secured function. Whenever during execution of the secured function the computing device determines that the biometric sensor no longer detects the biometric of the user, the computing device may cease execution of the secured function.

Abstract: There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user's payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user's payment card data to a merchant device or server. The merchant device or server may compare user's payment card data to merchant's accepted payment sources. The merchant device or server may alert user's payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user's accepted payment card.

Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Abstract: Methods and systems for verifying authenticity of a physical object and/or for verifying possession of the object by an individual are described. In one embodiment, the object is registered with a remote processing system. Data representing at least one characteristic of the object is obtained and stored in the remote system and the identity of the individual or entity possessing the object is authenticated. After authenticating the individual, an identifier is collocated (or an existing mechanism is activated or modified to replicate the identifier) with the object, where the identifier uniquely identifies the object and the individual possessing the object. The object and the identity of the individual possessing the object can be authenticated at a future time by sensing the collocated identifier and sending the sensed identifier to the remote system. The remote system can send instructions to an entity wishing to authenticate the object and its association with the individual possessing the object.

Abstract: Methods of aggregating and importing user-generated and/or professional ratings of media content are provided. User-generated ratings may have been previously created at a ratings source by a user associated with a customer profile. The method for aggregating ratings includes importing the ratings from the ratings source, storing the ratings in a customer profile, normalizing the ratings, and storing the normalized ratings. The normalized rating may be used to determine recommendations and preferences. The method for importing ratings includes receiving authentication information for a ratings source, authenticating to the ratings source, importing the ratings from the ratings source, and storing the ratings in a customer profile. Changes in the ratings may be detected and updated in the customer profile.

Abstract: A method and apparatus for linking an application service provider to a chipholder during a post issuance operation involving the chipholder. The method and apparatus is implemented by a set of extensible markup language structures for transmitting promotional content and application content information to a chipholder in a smart card system. The smart card system comprises a chip management system (CMS), a distribution server, a security server, an application provider (AP), and a computer system connected by a network. Extensible markup language (SML) is used for post issuance data transactions. Specific XML structures are used to transmit application promotional data (APD) and application content data (ACD) to a CMS for packaging to chipholder during post issuance transactions. The APD and ACD are prepared by the application provider and stored in a marketing file.

Abstract: A system, a method, and a computer program product for monitoring of events and key figures are disclosed. An event in a plurality of events associated with a business process is identified. The identified event is monitored. A business value of the identified event is determined in real time. Based on the determined real-time business value, at least one key figure associated with the monitored event is retrieved and displayed in a user interface.

Abstract: A social networking system associates a financial account identified by a user with a user profile maintained by the social networking system for the user. The social networking system may compensate the user for associating the financial account with the user profile by crediting the identified financial account by an amount. The credit may be applied to subsequent purchases by the user at a vendor identified by the user. To simplify vendor selection, the social networking system may suggest one or more candidate pages associated with vendors to the user. Information in a transaction history of the financial account and in the user profile may be used to identify the candidate pages, allowing the user to select a vendor with which the user has previously transacted by selecting a candidate page associated with the vendor.

Abstract: An end-to-end mobile advertising system characterizes user behavior (e.g., location, interaction with advertisements on a mobile communication device, etc.) in order to select micro-targeted advertisements. A marketplace platform handles the formatting required for presentation suitable for mobile communication devices in accordance with negotiated tags for a desired audience (“reach”), for a suitable number of presentations (“frequency”) and for an effective duration (“time”) within a particular scheduled window. Effectiveness is gauged even in the instance of impression advertisements by monitoring user location and/or interaction with the communication device to see a change in behavior (e.g., whether goes to a location of a competitor or advertiser, calls the advertiser, clips the advertisement, etc.). This effectiveness is further tracked across applications and/or platforms to capture reach, frequency, and duration of a particular advertising campaign for a user.

Abstract: A social analytic system may identify the social signals associated with a brand, campaign, or any other topic. The social analytic system may generate a vocabulary associated with the brand, campaign, or topic based terms used in the associated social signals. The vocabulary may be used for generating social media analytics and identifying social media events, such as marketing campaigns. In one example, a vocabulary may be compared with vocabularies associated with different constituents to identify the positive and negative terms in the vocabulary.

Abstract: Mental state data is gathered from a plurality of people and analyzed in order to determine mental state information. Metrics are generated based on the mental state information gathered as the people view media presentations. Norms, defined as the quantitative measures of the mental states of a plurality of people as they view the media presentation, are determined based on the mental state information metrics. The norms can be determined based on various viewer criteria including country of residence, demographic group, or device type on which the media presentation is viewed. Responses to new media are then compared against norms to determine the effectiveness of the new media presentations.

Abstract: Various of the disclosed embodiments concern systems and methods for tracking virality and social lift of media content. In some embodiments, an analytics engine creates and tags URLs to media content using generation codes, time codes, or both. The codes and their respective values allow the analytics engine to determine whether trends or patterns exist in how media content is viewed and shared. The generation codes and time codes can be used instead of, or in addition to, conventional UTM codes. The generation code, time code, or both, can be used to determine which segments (e.g., generations, time periods) of viewers generate a profit, subsequent viewers, etc. For example, the analytics engine can determine when an advertising campaign for a piece of media content should be terminated, rather than simply indicating whether the campaign should continue.

Abstract: Techniques for providing a messaging plan may be provided. A message that conforms to a channel agnostic format may be received. In an example, a messaging plan that includes a channel for delivering the message may be determined based at least in part on a score determined by a machine learning module utilizing metrics of a user. The message may be provided to the user according to the messaging plan. The messaging plan may be updated for subsequent messages based at least in part on updated metrics of the user received in response to the user interacting with the message.

Abstract: A method and system for communicating promotional offers by registering an electronic device with a server, activating a promotional offer stored on the server, receiving location information of the electronic device by the server over a network, determining the electronic device is to receive the promotional offer based upon the received location information, sending the promotional offer from the server to the electronic device over the network, sending a positive response to the promotional offer from the electronic device, over the network, and to the server, and sending a confirmation of the positive response from the server, over the network, and to the electronic device.

Abstract: Methods of generating recommendations may include obtaining social network data from one or more network resources. Word relationships may be created between selected words in the social network data to produce relationship data. Advertisement or other asset recommendations may be generated for a target user by analyzing browse information of the target user to identify one or more words. Other words in the relationship data may be identified that are related to the words in the target user's browse information. One or more advertisements may be identified having at least one keyword that corresponds to the other words. At least a portion of these advertisements may be selected from a data repository to provide to the target user.

Abstract: Localized content from at least local merchant is provided to a user through a publicly accessible computer device. A server interfaces to one or more publicly accessible computer devices that are associated with a vendor. The computer devices interface to content sources through a network. A user access is detected and the identity of the user and the computer device is determined. These identities are provided to a server. The server then provides content to the computer device that is selected based on the identity of the user and the computer device. At least a portion of the content is advertising from a local merchant. Revenue is obtain from the local merchants and a portion is provided to the vendor associated with the particular computer device.

Abstract: Disclosed is a mobile terminal including a touch screen display, a camera, a power button and an activation button for turning on the touch screen display. The mobile terminal has a first function and a second function to perform in response to user input and provides user settings for configuring at least one of the first and second functions such that the at least one of the first and second functions is performed along with turning on the touch screen display when pressing of the activation button is detected while the touch screen display is turned off. The mobile terminal is configured to perform the first and second functions depending upon length of pressing of the activation button in addition to turning on the touch screen display.

Abstract: A method and apparatus are disclosed for transmitting notifications to customers. One example method may include identifying a notification event associated with a customer via a customer management module and retrieving a customer preference record. The method may also include determining a notification device preference for a customer Internet protocol (IP) device included in the customer preference record and determining a current presence status of the customer Internet protocol (IP) device. The method may also include transmitting the notification event to the customer's IP device based on the notification device preference.

Abstract: A content server provides a client device with audio content including an audio advertisement, which is provided in response to receiving a request for digital audio content from a client device associated with a user. The content server obtains user information about the user and retrieves advertisement text received from an advertiser, which are used to generate a personalized text advertisement. The personalized text advertisement is generated according to an advertisement template specifying an ordered combination of text components. The personalized text advertisement includes the received advertisement text, user information text selected from the obtained user information, and template text. The client device is provided with an advertisement based on the personalized text advertisement and is configured to play an audio version of the personalized text advertisement. The audio advertisement is generated using a text-to-speech algorithm at the client device or at the content server.

Abstract: A server includes a network communication device, a storage device, and a processing device that executes computer-readable instructions. When the computer-readable instructions are executed by the processing device, the computer-readable instructions cause the processing device to receive advertisement data that corresponds with a web advertisement. The advertisement data includes an advertisement uniform resource locator (URL) that refers to a website advertised by the web advertisement. In addition, the computer-readable instructions cause the processing device to determine an advertisement card object based on the advertisement data. The advertisement card object includes a card label, a card image, and graphical user interface (GUI) elements. The computer-readable instructions cause the processing device to render an advertisement card that displays the card label, the card image and the GUI elements, and transmit the advertisement card object via the network communication device.

Abstract: In various exemplary embodiments, a system and associated method for prioritizing search results in an electronic environment is disclosed. The system comprises a communications module to receive a search query from a searching party located in a geographic region and a search engine to conduct a search and generate search results. A query engine identifies the geographic region of the searching party and identifies a language associated with the identified geographic region of the searching party based on the identified geographic region of the searching party. The search results are prioritized based on the identified language.

Abstract: Transaction data of a first party and transaction data of a population are both analyzed to determine weighting and normalizing factors, which when applied to data operate to prioritize and personalize the data. The prioritization of the data is based on the analysis and results in use of the data in accordance with user preferences as evidenced in prior activities of the first party represented by the transaction data. In a navigation system, applying data prioritizations speeds performance of the system and eliminates duplicate or follow-on searches, and allows efficient selection of potential routes and destinations.

Abstract: A nutritional management system which comprises a processor, a memory, a first data store comprising a list of products, universal product codes associated with the products, and nutritional information associated with the products, a second data store comprising a physiological information profile for each of a plurality of different loyalty card users, an application stored in the memory.

Abstract: Techniques are provided for managing local item fulfillment. For example, a fulfillment management computer can provide a local item to a user when the local item is stored in a local fulfillment center, when the local fulfillment center can fulfill the order requested by the user quickly, when the price of a local item is within a certain threshold of the best item in a top level market, or when the local item is provided by a preferred item provider. The local item may be a perishable item (e.g., apples) and could benefit from being stored close to a user that orders the local item or be non-perishable (e.g., electronics). It may be preferable to provide an item that is stored locally to the user instead of an item that would need to be shipped to the user from afar.

Abstract: Systems and methods are disclosed for generating recommendation rules based on the attributes of items that are purchased together at a threshold rate. The attributes of the items may be extracted from item-detail content associated with the items. Using a count of the frequency with which pairs of items include pairs of attributes, a recommendation rule can be created that recommends items with particular attributes to users who access other items with particular attributes. Further, using the recommendation rules, items may be selected for recommendation to users who access an item that lacks historical access data from which to generate recommendations solving the “cold-start” problem. Moreover, negative rules may be generated based on historical access data and attributes of items purchased and/or not purchased together at a threshold rate to prevent the recommendation of particular items to users who access items associated with the negative rules.

Abstract: Disclosed are various embodiments for providing confirmations for list modifications. A network page is sent to a client. The network page includes one or more components for requesting that one or more items be added to a list of items. The item(s) are added to the list of items in response to a request from the client. A display region is encoded for rendering in the client as a layer superimposed on the network page. The display region includes a confirmation that the item(s) have been added to the list of items.

Abstract: Methods and systems for facilitating initiation of resupply orders for consumable commodities include using a stand-alone electronic or audio-generating device incorporated into retail product packaging. The stand-alone device is equipped with a rudimentary processor or logic circuit, a memory, and a wireless transmitter. A simple user interface/activation device such as a push button or membrane switch is coupled to the logic circuit or processor. The stand-alone device is incorporated into or with product packaging, and may be configured with a resupply code at or after a point of sale. A user may activate the user interface of the device when the product needs resupplying, causing the resupply code to be transmitted to an access point or terminal that initiates a reorder sequence for the product.

Abstract: Disclosed systems and methods provide media content through an electronic commerce server. In one implementation, a method for providing electronic content is provided. The method includes receiving an order of a user. The order of the user may comprise a request of the user for a physical copy of media content. The commerce server may determine whether to provide to the user an electronic copy of the media content based at least on the order. Further, a request to access the electronic copy of the media content is received from the user. The method further grants the user access to the electronic copy of the media content based at least on the request to access the electronic copy of the media content.

Abstract: Example gesture based cross-channel commerce retail systems and methods are provided. Some of the example systems and methods permit a consumer to complete a Store Pick Up order, i.e., an order placed by the consumer via computer, mobile device, telephone, fax, mail-order, etc., by gesturing with a mobile device near a digital kiosk and optical sensor at a store pick up location. The mobile device and/or the digital kiosk may display media content to the consumer while the consumer completes the Store Pick Up order. In another example system, a digital kiosk is located in a public area such as an airport, shopping mall, train station, or stadium. The digital kiosk displays media content to the consumer, and the consumer may transfer to a mobile device such media by gesturing with the mobile device near the digital kiosk.

Abstract: A method for delivering advertising content from a central office to customer interfaces positioned at a plurality of remote local stores includes the steps of storing the advertising content on a content control server at the central office and transmitting the advertising content from the central office to customer interface control servers at each of the plurality of remote local stores. The method further includes the step of transferring the advertising content from the customer interface control servers to each of the customer interfaces. The advertising content is displayed at the customer interface in response to a content trigger sent from the customer interface control server.

Abstract: Methods for generating and sharing a virtual body model of a person, created with a small number of measurements and a single photograph, combined with one or more images of garments. The virtual body model represents a realistic representation of the users body and is used for visualizing photo-realistic fit visualizations of garments, hairstyles, make-up, and/or other accessories. The virtual garments are created from layers based on photographs of real garment from multiple angles. Furthermore the virtual body model is used in multiple embodiments of manual and automatic garment, make-up, and, hairstyle recommendations, such as, from channels, friends, and fashion entities. The virtual body model is sharable for, as example, visualization and comments on looks. Furthermore it is also used for enabling users to buy garments that fit other users, suitable for gifts or similar.

Abstract: The subject matter of this specification can be embodied in, among other things, a method that includes receiving a user account identifier of a content item suppression account and an identity of a user-specified content item, receiving an auction announcement message including the user account identifier and a request for allocation of a content item to a content inventory unit to be presented at the user device, determining a bid for presenting the content item in place of third-party content, transmitting the bid to the auction platform, transmitting the content item in response to the auction announcement message, receiving a message indicating that the content item has been presented in place of the third-party content and an auction price for presenting the content item in place of the third-party content, and reducing a stored account value associated with the user account identifier based on the auction price.

Abstract: A method and system is disclosed for user-published interactive widgets for auctions hosted by an auction forum resource. Examples include an auction forum configured to generate a script associated with an auction upon a publisher-request, and to provide the script to be published on the publisher's resource, resulting in an external interactive component displayed on the publisher's resource. Example features may be configured to respond to user inputs submitted from the interactive component. Furthermore, reward logic can be included to issue a reward to the publisher associated with the script request.

Abstract: Systems, methods, and computer-readable media for coordinating processing of data by multiple networked computing resources include monitoring data associated with a plurality of networked computing resources, and coordinating the routing of data processing segments to the networked computing resources.

Abstract: Techniques for displaying market depth information for a financial instrument including a plurality of bid and ask order metrics at corresponding prices of the market instrument and associated time information. A graphical representation of the market depth information, with axes corresponding to time and price, is aligned with color gradients corresponding to one or more metrics including, for example, bid and ask order volume, order count, or order consideration, generated based on the market depth information. The graphical representation of the market depth information and the color gradients are displayed using a display device.

Abstract: A clearing system comprising: a database for storing a plurality of accounts; and a risk manager for carrying out a risk assessment for a group of accounts comprising one or more accounts of said plurality of accounts; said risk manager being configured to update a risk assessment for a group of accounts each time the clearing system receives information about a new event affecting at least one account of said group of accounts. The event may be a new trade. The trade may be reported to the clearing system as soon as it has been settled.

Abstract: An insurance claim system that can display vehicle identification key information and vehicle option, package, engine, transmission, paint, production date information provided from multiple different sources. The system can perform a method that includes displaying at least one insurance claim with at least one vehicle description, a plurality of vehicle options, and a VIN field. A VIN is entered into the VIN field, which is decoded to determine vehicle information and vehicle option information. One or more vehicle options displayed by the client computer are selected with the vehicle option information, and the selected vehicle options are modified with supplemental vehicle options information provided by an OEM source. Modifying the vehicle options with the information provided by the OEM source improves the accuracy of the options information selected on the insurance claim page.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: A document capture system may automatically capture documents and/or financial information for a user. The document capture system may capture and save documents a user views in a web browser. A user may visit various web sites to view financial data and a document capture plug-in module installed in the web browser may capture or save the viewed document. The document capture system may capture financial data while the user is visiting web sites normally—that is, not just when the user if visiting them particularly to collect financial data. The document capture system may be configured to automatically detect when the user views certain documents and may be configured to continually monitor the user's web activity in order to capture financial documents whenever the user visits certain sites. The document capture system may include a list of URLs representing web sites or documents that should be automatically captured.

Abstract: A work management system (1) includes: an image capturing device (20) worn by a worker; and a server device (60). The image capturing device (20) includes: an image capturing section (21) for capturing an image of a work range of the worker; and a communication section (30) for transmitting, to the server device (60), at least one of (i) the image captured by the image capturing section (21) and (ii) generated information generated in accordance with the image. The server device (60) includes a control section (70) for managing the at least one of the image and the generated information which one is received from the communication section.

Abstract: Architecture that automatically generate concise descriptions of users in social media. The descriptions communicate classification or category of a given social media user in a small amount of viewing space. The description can be based on available metadata (e.g., user profile biography) and/or other information about that person, as may be obtained from the information data sources (e.g., structured knowledge bases) on networks such as the Internet and enterprises, for example. The descriptions can also be query-dependent, by assuming there is some relationship between the social media user and a query, in which case, the descriptions illustrate that relationship.