Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: A user inspects at least one indicator of an event. The user enables a token corresponding to an account of an aggregating entity to be received by a transaction entity and identifies at least one type of event of interest to be reported by the transaction entity to the aggregating entity. The user obtains and inspects at least one indicator from the account of the aggregating entity, where each obtained indicator is adapted to be created by the aggregating entity based upon an event message received from the transaction entity. The event message comprises the token, which is adapted to be used by the aggregating entity to identify the account and the event message corresponds to an occurrence of an event of at least one type of event of interest to be reported by the transaction entity to the aggregating entity.

Abstract: Techniques and arrangements for detecting potentially fraudulent transactions made on a point-of-sale (POS) device. In some instances, the POS device may upload a batch of authorization requests corresponding to transactions made on the POS device while the POS device was in an offline mode. A payment service may receive this batch and, as opposed to processing the entire batch, may select a subset for processing. After selecting the subset, the payment service may attempt to authorize payment instruments associated with each transaction of the subset. The payment service may then compare an amount of declined payment instruments to a threshold. If the amount is greater than the threshold, then the payment service may flag the subset and/or the batch as fraudulent and may refrain from processing further transactions of the batch.

Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.

Abstract: A technique for the detection of an unauthorized wireless communication device includes monitoring of Bluetooth® communications activity by a Bluetooth® capable communication device. Any monitored communication activity is analyzed against parameters that are predefined to detect suspected illegal activity. If illegal activity is suspected by the analysis, an alert is generated for a system administrator. The predefined parameters associate illegal activity with; data that includes credit card numbers and expiration dates, credit card transaction logging information, non-discoverable devices, activity after store hours, exceedingly long activity, etc.

Abstract: Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorization for the transaction from a financial institution and then notify the vendor accordingly.

Abstract: Customer care representatives in the telecommunications industry and other service-based industries receive problem reports from customers associated with serviceIDs. These customer care representatives have access to at least one data store that contains pieces of content that may aid the customer care representative in assisting the customer. The pieces of content may be related to devices supported by the telecommunications service provider and services provided by or supported by the provider. The ability of the customer care representatives to assist customer is enhanced by returning a prioritized list of pieces of content where the priority is based on a content quality metric associated with some or all of the pieces of content. The content quality metric may be based on a plurality of factors that may each be normalized and weighted and, in some cases, combined, to determine a content quality metric that may be updated dynamically, periodically, or manually.

Abstract: A system for automatic authentication of service requests includes authentication of a remote access device. This authentication may be accomplished automatically prior to text or audio communication between a customer and a service agent. In some embodiments, authentication is accomplished automatically by authentication of the remote access device or accomplished by asking the customer questions. A single authentication of the remote access device may be used to authenticate a service request transferred between service agents. The authentication of the remote device may include, for example, use of a personal identification number, a fingerprint, a photograph, and/or a hardware identifier. Some embodiments include an intelligent pipeline configured for managing queues of customer service requests and/or customer service agent control over a customer's access device.

Abstract: A system for remote servicing of customers includes an interactive display unit at the customer location providing two-way audio/visual communication with a remote service/sales agent, wherein communication inputted by the agent is delivered to customers via a virtual Digital Actor on the display. The system also provides for remote customer service using physical mannequins with interactive capability having two-way audio visual communication ability with the remote agent, wherein communication inputted by the remote service or sales agent is delivered to customers using the physical mannequin. A web solution integrates the virtual Digital Actor system into a business website. A smart phone solution provides the remote service to customers via an App. In another embodiment, the Digital Actor is instead displayed as a 3D hologram. The Digital Actor is also used in an e-learning solution, in a movie studio suite, and as a presenter on TV, online, or other broadcasting applications.

Abstract: A golf club comprises a club head having a hosel, a shaft disposed within the hosel, a ferrule disposed about the shaft at a coupling between the shaft and the hosel, and a tagging device coupled to the ferrule. The tagging device can be at least partially disposed within the ferrule, and the tagging device can be a wireless communication device.

Abstract: Embodiments of the present invention address deficiencies of the art in respect to social bookmarking and provide a method, system and computer program product for aggregating scoring of tagged content across social bookmarking systems. In an embodiment of the invention, a method for aggregating scoring of tagged content across social bookmarking systems can be provided. The method can include combining tag scores for a tag in content across multiple different social bookmarking systems into a single aggregate tag score and applying the single aggregate tag score to the tag in the content. In this regard, combining tag scores for a tag in content across multiple different social bookmarking systems into a single aggregate tag score can include computing either a simple or a weighted average of the tag scores for the tag to produce the single aggregate score.

Abstract: Systems and methods are provided for internet access to online advertisements, auctions, products, services, service providers, media and entertainment, sports, personal & financial network, real estate, service providers and business owners e.g.

Abstract: A method of providing services to computing devices includes establishing a connection over the Internet with a computing device; receiving data from the computing device during the connection; extracting a signal from the data received from the computing device; estimating a relative age of the computing device based on the extracted signal; selecting a service from a plurality of services based on the estimated relative age of the computing device; and providing the selected service to the computing device.

Abstract: A method of providing a context based service is performed by a user terminal. The method includes: generating a user profile about at least one entity; providing user profile characteristic information obtained or inferred from the user terminal associated with the at least one entity; and controlling to provide a user description generated based on the user profile and the user profile characteristic information to a recommendation engine for a required service if a recommendation of a context based service is required to the at least one entity, the recommendation engine performing a service recommendation according to a situation of the at least one entity.

Abstract: Methods and systems for determining a sales channel for a product in a brick and mortar store include displaying to customers in a brick and mortar store information on an interactive data collection system relating to a product; collecting, via the data collection system, information indicative of customer interest in the product by tracking inputs at the interactive data collection system; collecting, via an online website, information indicative of customer interest relating to the product; and based upon both the information obtained at the brick and mortar store and the information obtained by the online website, determining a sales channel from a plurality of channels to offer the product for purchase by a customer.

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

Abstract: A system and method include a customer engagement platform of an enterprise. The customer engagement platform is configured to connect with an audience computer and provide to the audience computer contact information associated with a marketing attribution. The marketing attribution accompanies an impression served to the audience computer. The impression and marketing attribution associated with the contact information are sent to the customer engagement platform during an interaction with the enterprise.

Abstract: Techniques for identifying groups of local features in an image and presenting advertisement information associated with stored images that match one or more features within the group of local features are described. The techniques include providing an image, identifying a region of interest in the image, providing a user-selectable link associated with the region of interest in the image, receiving a request for the region of interest in the image via the user-selectable link, and presenting advertisement information associated with a stored image that matches one or more features within the requested region of interest.

Abstract: A location-based information system and method therefor, which is responsive to the user's selection of geographic zone and parameters. A proprietary app (application) is installed in a mobile device of the user, which insures that a connection to the user from a caller is based on the user's defined zone and other parameters without the disclosing the exact location of the user. Various embodiments of the invention provide an option for user-to-user location-based connection without depending on a remote server.

Abstract: A system stored in a non-transitory medium executable by processor circuitry is provided for generating sponsored verbs and contexts. The system includes interface circuitry for receiving a search query from a user device and query processing circuitry for identifying search results comprising entity search result objects and non-entity search result objects related to the search query. Targeting circuitry determines a set of verb keywords associated with the search result objects and analytics circuitry selects one or more sponsored verbs for at least one entity or non-entity search result. Display logic circuitry is communicatively coupled to the interface circuitry and dynamically generates interface elements for each of the one or more sponsored verbs, and displays, in response to the search query, the interface elements as a sub-component of the at least one entity or non-entity search result.

Abstract: A method for processing ads involves traversing an ad view hierarchy to obtain ad view information for a device, providing the ad view information to an ad server, sending, by the device, an ad request to the ad server, receiving, in response to the ad request, an ad. and displaying the ad on the device.

Abstract: A system for creating a new advertisement unit is disclosed. The system can include a web browser, an ad server, and an advertisement creator server. The ad server is communicatively connected to the web browser, the ad server can be configured to store and deliver a plurality of advertisement units, and an advertisement creator server communicatively connected to the web browser and can be configured to host an ad creator engine, the ad creator engine can be configured to facilitate the creation of the new advertisement unit, wherein the web browser is configured to function as a graphical interface with the advertisement creator engine.

Abstract: Methods and systems for wireless transmission-based incentives driving social media engagement are provided. An incentive structure may be stored in a database in memory regarding one or more incentives each based on a defined benchmark of social media activity. Information associated with a wireless transmission-based tag may be via a wireless transmission reader. A product/service associated with the information read from the wireless transmission-based tag may be identified. Such identified product/service may further be associated with product/service-specific information stored in a product/service database. A template for a social media communication may be provided based on the product/service-specific information associated with the identified product/service. Such social media communication based on the template may be shared with one or more social networks. Activity related to the social media communication may then be detected as having met the defined benchmark.

Abstract: Embodiments disclosed herein can leverage dynamic data, fields and implied information from online media (e.g., web sites, mobile apps and other forms of online media) to create a universal variable map and automatically generate deep-linked ads utilizing the universal variable map, linking any arbitrary online media to any other arbitrary online media. The automatically generated deep-linked ads can be inserted into any ad server and served out from there in real-time. A deep-linked ad thus presented to a user can take the user from a starting page on one site or application where the ad is displayed directly to a resulting page such as a checkout page on another site or mobile application, with pertinent information already pre-populated, and action already initiated for the user.

Abstract: Embodiments disclose methods and systems for forming one or more ride-sharing groups of a ride-sharing system before executing a ride. The system receives a request for a ride from each user, each request includes details related to the ride and the user. Then, a compatibility score for each pair of users is computed. Based on the computed score, a ride-sharing group is created including one or more members estimated to be compatible with each other. The ride-sharing group is displayed to each member of the ride-sharing group along with pre-defined details of each member. Then a feedback about the ride-sharing group from each group member is received, the feedback being in the form of an acceptance or a rejection. Based on the feedback, the ride-sharing group is updated to include one or more new members or allocate one or more resources to the ride-sharing group.

Abstract: A computer-implemented method and system for detecting fraud in electronic commerce traffic are disclosed. A global conversion rate is defined that represents activity related to a purchase made or proxy activity executed during electronic commerce traffic to a commercial website that is indicative of non-fraud activity. Subsets of the electronic commerce traffic to a commercial website are monitored for clusters of activity having a conversion rate that is lower than a global conversion rate by a threshold margin. A number of user-initiated input signals from an input device to navigate from each of one or more affiliate websites to the commercial website, and a number of conversions generated from each of the one or more affiliate websites, are registered by a computer for analysis.

Abstract: A method for enabling automated waste management is described. In one embodiment, data related to an event detected via a sensor coupled to a trash receptacle is received. A waste collection vehicle is configured to collect trash directly from the trash receptacle. The data related to the detected event is processed. A notification is generated based on the processing of the data. In some cases, a notification based on a determination of a volume of trash within the trash receptacle is generated, where the volume is determined via a ranging sensor. A notification is generated based on a determination of a weight of the trash within the trash receptacle, where the weight is determined via a load sensor.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and generate virtual environmental data based on the environmental data. The system may then provide the virtual environmental data to at least a first computing device to create a virtual environment. The system may then receive user input, and modify the virtual environment to display enhanced content in response to the user input.

Abstract: A mobile device software app facilitates a user's identification of a product suitable for various vehicle types and operating environments. The app configures a sensor in the device to sample ambient sound or light in the vicinity of the vehicle, calculates an intensity level value for the sample, compares the value to a list of specification intensity values corresponding to vehicle accessory products, and generates a list of products having intensity values greater than that of the sampled sound or light. The app optionally provides for user selection of a product and for viewing product literature. Users can also access detailed technical installation information, listen to sound samples, and locate product vendors.

Abstract: Methods, systems, and computer program products for generating recommendations. In response to receiving a request, the system generates a plurality of suggested recommendations for both a first bound and a second bound of a trip. The system stores the suggested recommendations corresponding to the first bound and the second bound in a memory, where the suggested recommendations corresponding to the second bound coincide to a subset of the suggested recommendations corresponding to the first bound published for display. The system publishes the suggested recommendations corresponding to the first bound for display to a user. In response to receiving an input that indicates a selected recommendation for the first bound, the system determines whether the selected recommendation is one of the subset of the suggested recommendations corresponding to the first bound.

Abstract: A computer implemented system for e-commerce includes a server hosting a system management domain, and a number of domains. A first domain provides a first website displaying a plurality of products for purchase using a first shopping cart provided by the system management domain. A second domain provides a second website displaying a plurality of products for purchase using a second shopping cart provided by the system management domain. The system management domain may display on the first website a link pointing to a product displayed by the second website when certain conditions exist. When the link is followed to the second website, the first shopping cart is used for purchases at the second website.

Abstract: Some embodiments described herein provide for a number of portable infusion pumps to be distributed to a pump user via a pharmacy system or like.

Abstract: Techniques are provided herein for utilizing a community pantry engine. The techniques include receiving, from a first user, a first order request for a first portion of a bulk item that comprises a first portion a second portion. A second user may be identified based at least in part on geographic locations of the first user and the second user. A notification related to the first order request may be provided to the second user. A second order request for the second portion for the bulk item may be received from the second user. Discounted delivery costs for the first order request and the second order request may be calculated. The first portion of the item may be provided to the first user according to the discounted delivery costs. The second portion of the bulk item may be provided to the second user according to the discounted delivery costs.

Abstract: The invention is a method that provides steps for integrating a vehicle, having a unique vehicle identification number, with steps of accessing third-party databases, generating information regarding the vehicle to facilitate a transfer of rights in the vehicle together with pricing options. Information extracted from the unique vehicle identifier is generated and displayed for access by users who can review the information from a number of separate locations and pursue a transfer of rights in the vehicle. The methods include the capability for accessing third-party databases and dealer inventory databases via an integrated network that may display simultaneous data for a vehicle from each of a dealer and another party where the displays are dynamically synched.

Abstract: The invention assembles an automobile, a network, and a database to selectively integrate data regarding the automobile and comprised of information extracted from a unique vehicle identifier, and a geographical location. The integrated assembly permits generation of information facilitating sales of the automobile in a system accessible by multiple users. The system integrated also features interconnections with third party databases contributing particular information regarding the geographical information regarding the vehicle. Dealer inventory data links may also facilitate direct connection between the network and a dealer network.

Abstract: There is provided an adaptive access-control and monitor system that comprises at least one portable communication device, further comprising, a transceiver that is adapted to receive and transmit communication signals via a telecommunication link, at least one imaging sensor that is adapted to provide image data to an image processor and a rechargeable energy source and a user interface. The system further comprises at least one first remote actuator that is actuatable by said communication signals and/or electromagnetic energy; at least one control station that is manned by at least one operator and which is adapted to receive and process said image data and monitor and/or control said at least one first remote actuator and said at least one portable communication device via said telecommunication link.

Abstract: A securities trading program for trading individual lots of a security which can be run at a security trader's computer station. The program generates a trading screen comprising a listing of multiple bids for the security, each bid having a price, as well as a listing of multiple priced offers for the security. The bid and offer listings are active, enabling the trader to hit any one of the displayed bids or take any one of the displayed offers, for example by selecting and clicking on a displayed bid or offer. In one embodiment, the bids and offers are arranged in side-by-side columns on the trader's screen, helping the trader to rapidly overview the market for a particular security, and compare different, possibly competitive, securities by paging through level-of-interest windows for each security.

Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.

Abstract: Systems and methods are provided for maintaining neutrality while trading a list of securities using an algorithmic trading facility coupled with at least one destination. This destination includes at least one alternative trading system (ATS). This facility is coupled, via an electronic data network, to a plurality of trading clients, and configured to receive a trade request to trade a list of securities from a trading client. This request includes user defined trading constraints that are used to generate and transmit trade orders to at least one ATS. The orders are transmitted based on trading data related to the destinations, the trade list, and the trading constraints. The facility can identify each executed trade corresponding to the trade orders and calculate a trade imbalance. The facility can determine whether the trade imbalance exceeds the trading constraints, and reallocate one or more of said submitted orders based on this determination.

Abstract: An electronic trading system (ETS) implements risk mitigation methods for orders and quotes associated with a market participant on the ETS. The methods determine a measure of risk associated with one or more trading positions. One of the methods globally counts the number of breaches of risk thresholds associated with a trading symbol and market participant across all matching engines on the ETS over a rolling time period, and if this global risk counter exceeds a maximum, disables all further trades by the market participant on the ETS. Another method limits the number of automatic re-enablements that a market participant can request in response to prior breaches of risk thresholds that resulted in disabling any further trading by the market participant on the ETS.

Abstract: Systems, methods, and computer-readable storage media are provided for improving order feed message stream integrity. Certain embodiments provide a method including sending, by a computing device, a first data message; sending a first stop message; clearing a message stream state; and sending a second data message. The first data message includes data related to an order for a tradeable object, a first sequence number with a value of a predefined initial sequence number, and a first phase number. The second data message includes data related to an order, a second sequence number with a value of the predefined initial sequence number, and a second phase number, wherein the second phase number is different than the first phase number. The message stream state is associated with the order.

Abstract: Exemplary methods and systems for creating uncorrelated trading strategies and deriving associated implied probability distributions of the price of an underlying financial instrument at future times are disclosed, applicable to stock market prices, interest rates, currency exchange rates, commodity prices and credit spreads.

Abstract: According to some embodiments, systems, methods, apparatus, computer program code and means may display information from a medical risk factor computer storage unit. Information associated with an insurance policy, having an insurance policy identifier, may then be received from an underwriter along with a plurality of medical risk factor values for the insurance policy. The plurality of medical risk factor values may be stored into an insurance policy storage unit in association with the insurance policy identifier. An overall risk level associated with the insurance policy may be automatically calculated based on the plurality of medical risk factor values, and at least one file may be locally saved associating overall risk level with the insurance policy identifier and/or medical risk factor values.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

Abstract: A system and method for calculating variable consideration for performance obligations. The method can involve, checking a database for historical transaction data, accessing the historical transaction data, and applying one or more predetermined variable consideration rules to the historical transaction data. The method can include automatically analyzing the historical transaction data generating an analysis report based on the data. The method can include uploading predetermined corrections to variable consideration transactions to a database or other storage medium and applying the corrections to historical performance obligation transaction data. The method can include determining whether variable consideration changes should be applied to individual transaction lines within the variable consideration transactions.

Abstract: Disclosed is an approach for enabling a user to choose from multiple payment options using a browser API. The method includes determining whether a user interfacing with a site via a browser can make a payment via a first browser payment request application programming interface or a second browser payment request application programming interface. The method includes presenting a dynamically modified buy button that is associated with the selected browser or a user payment account enabled via the selected browser and transmitting, in connection with an interaction with the dynamically modified buy button, a payment request to the selected browser and via the selected browser payment request application programming interface. The user can make the payment using the account type they are using.

Abstract: An activity management system is configured to allow users to access multimedia content where the multimedia content is divided in to segments. While a user is viewing or interacting with the multimedia content, the user can submit one or more activities (e.g., comments, questions, replies, or reactions) using a graphical user interface. The system is operable to electronically link the activity provided by the user with the particular segment of multimedia content in which the activity was captured by the system. The system is also configured to determine a sentiment score for particular multimedia content, one or more segments of the particular multimedia content, a user, a group of users, or an organization. The sentiment score may be related to a general mood (e.g., confused, happy, bored) of the user when viewing one or more segments of particular multimedia content.

Abstract: An activity management system is configured to allow users to access multimedia content where the multimedia content is divided in to segments. While a user is viewing or interacting with the multimedia content, the user can submit one or more activities (e.g., comments, questions, replies, or reactions) using a graphical user interface. The system is operable to electronically link the activity provided by the user with the particular segment of multimedia content in which the activity was captured by the system. The system is also configured to determine a sentiment score for particular multimedia content, one or more segments of the particular multimedia content, a user, a group of users, or an organization. The sentiment score may be related to a general mood (e.g., confused, happy, bored) of the user when viewing one or more segments of particular multimedia content.

Abstract: A method for verification of travel and a purchase to prevent fraudulent redemption of a promotional offer for conditional transportation cost validation includes: using a customer's mobile computing device to transmit geolocation data to a validation network provider while present at the merchant's physical location; updating a token on the validation network provider's server using the geolocation data from the customer's mobile device, thereby confirming the customer's presence at the merchant's physical location; confirming the purchase by correlating transaction data from a linked payment method with the geolocation data from the customer's mobile device to update the token on the validation network provider's server; and automatically issuing a credit to the customer when the data points of the token fulfill the conditions of the promotional offer; wherein the promotional offer is to reimburse the customer for travel expenses the customer incurs for traveling to or from the merchant's physical location.

Abstract: A computer-implemented method for operating a robotic manufacturing network, comprising: (a) providing a communications network; (b) providing a plurality of computer processor nodes for processing data wherein said computer processor nodes are participants on said communication network; (c) providing a plurality of manufacturing facilities; (d) providing a plurality of transport agents connecting said manufacturing facilities; (e) providing a plurality of actors selected from the group consisting of said manufacturing facilities and said transport agents wherein said actors are participants in said robotic manufacturing network and communicate on said communications network; (f) providing a robotic capability model as manufacturing supply chain planning service whereby autonomous manufacturing supply chain functionality is created that transforms product specifications into optimized manufacturing production plans thereby permitting products to be made by a population of networked manufacturing agents.