Abstract: Images or other sensed data involving a sales transaction are received from a network. The sales information from the transaction is also received from the network. A reconciliation is performed between the images and the sales information. When the reconciliation identifies a discrepancy between the sales information and the images or other sensed data, one or more perpetual inventory (PI) values of one or more products are adjusted to a value so as to correct for the discrepancy.

Abstract: In some implementations, a method includes receiving a public display identifier (PDI) from a purchaser. An item of value assigned to the PDI is determined. Information identifying a proposed item of value in exchanged for the item of value assigned to the PDI is received. The exchange is authorized based on one or more parameters. The authorization is transmitted to an electronic warehouse containing inventory of the item of value assigned to the PDI. The secret data for the item of value assigned to the PDI is received. The secret data is dispensed to the purchaser.

Abstract: A sales data processing apparatus including: communication unit configured to transmit sales data to an external apparatus; and a processor configured to cause a predetermined printer to print the sales data, wherein the processor causes the printer to print, together with the sales data, information indicating whether the sales data has been transmitted via the communication unit.

Abstract: Method for cash card payment in a payment station for debit and credit cards.

Abstract: Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user and receives a response from the invited user to the at least one invitation, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.

Abstract: A digital license plate with an associated payment and information handling system is described. The payment system allows for automated payment for parking that includes sending authorization to pay parking related payments to a payment authority, with authorization at least partially incorporating information stored in the digital license plate.

Abstract: The present disclosure provides systems, methods, and devices for improved computer-based local transactions. In one aspect, a system, for improving reliability of a computer-based local transaction using a first user device and a second user device comprises one or more processors and memory including instructions executable by the one or more processors. The instructions, when executed, can generate one or more transaction parameters for the local transaction based on transaction data received from the first and second user devices. The one or more transaction parameters can comprise a payment amount for the local, transaction.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to provide low-latency access to cardholder location information by receiving periodically updated location information from a mobile device associated with the account holder and updated associated systems with the information prior to the user initiating a transaction. At the time of a transaction, necessary systems can quickly access the stored information and authenticate transactions appropriately.

Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ord

Abstract: A system and method facilitates access and payment to a parking facility. The vehicle operator/owner downloads a software application and inputs personal and financial information during registration. The personal and financial information is stored in a parking facility server and a payment server. The system generates an electronic ticket, or a radio frequency identification technology, or Bluetooth networking standard that correspond to the personal and financial information. A reader at the gate controller, in the parking area, scans the electronic ticket or RFID from the mobile communication device or vehicle. The server authorizes the gate controller to enable access for the vehicle to a parking area, based on the information. When the vehicle egresses the parking area, the electronic ticket or RFID is scanned again, and the duration in the parking area is transmitted to payment server to process payment and provide a receipt based on duration in parking area.

Abstract: Techniques and arrangements for improving card on file transactions are described. For instance, a payment service may receive, from one or more merchant devices, transaction information associated with at least one transaction between a merchant and a customer, where the transaction information includes at least payment information of a payment instrument used during respective transactions. The payment service may then analyze the transaction information to compute a value associated with a transaction characteristic as indicated by the transaction information, determine that the value exceeds a threshold value, and, based on determining that the value exceeds the threshold value, send the customer a message requesting that the customer store the payment information with the merchant. The value associated with the transaction characteristic can include a total number of transactions, a total cost of transactions, or a frequency associated with the transactions between the merchant and the customer.

Abstract: Leveraging the wealth of information available on-line to accelerate and facilitate commercial transactions initiated by viewers of television programming, both during conventional programming and while using interactive features such as shopping channels, application channels, executing downloaded applications, and the like, for reducing the amount and frequency of user input required by accelerating and simplifying the process of accessing stored profiles and payment methods in these transactions, and by reducing user efforts in maintaining their on-line presence without compromising user security, is described. The motivation for such simplification derives from concerns apparent in emerging t-commerce transactions, where the means by which viewers may engage in two-way transactions directly in the context of the television programming are different and frequently more constrained than in traditional e-commerce and m-commerce modes.

Abstract: A balance and control system may write a data file transfer confirmation from a transmitter system to a blockchain in response to the transmitter system transmitting a data file to a receiver system with the confirmation including a transmitter system address, a receiver system address, and a first hash of the data file. The system may also write a data file transfer acknowledgement from a receiver system to the blockchain with the acknowledgement including the transmitter system address, the receiver system address, and a second hash of the data file. The blockchain may execute a smart contract to compare the first hash of the data file to the second hash of the data file to identify an out-of-balance file transfer event. A monitoring device of the B&C system may read the out-of-balance file transfer event from the blockchain.

Abstract: An Internet of Things (IoT) system, the system including: (a) an IoT platform in communication with a device via a communications network; and, (b) a payment service provider, wherein, in use: (i) the IoT platform: (1) receives a transaction message from the device, the transaction message being indicative of: (a) a device identifier; and, (b) transaction details indicative of a transaction to be performed; (2) uses the device identifier to retrieve transaction data indicative of: (a) a user identifier; and, (b) transaction rules; (3) generates a payment request using the transaction details and transaction rules, the payment request being indicative of: (a) the user identifier; (b) a merchant identifier; and, (c) transaction information at least partially based on the transaction details; and, (4) provides the payment request to the payment service provider; and, (ii) the payment service provider: (1) receives the payment request; (2) determines a user account at least in part using the user identifier, the

Abstract: According to embodiments, systems and methods for tracking gift card usage improve the speed and efficiency of anomalous transaction detection. Individual transaction data is enriched to form parent records that include indicators that the card is being used outside of established usage criteria or in a way that is otherwise abnormal. Machine learning can improve upon anomalous transactions more quickly using this enriched, parent-level information.

Abstract: The invention relates to the fields of tokenisation, blockchain and smart contract technologies. It provides a technical arrangement which simplifies the automated management of contracts. The invention comprises a method and system which use a computer-based repository for storage of the contract. The contract is then represented by a transaction on the blockchain. Metadata within the transaction's script includes a hash of the contract and a means of identifying its location within the repository. The transaction also includes an unspent output (UTXO) which indicates its status as an open (ie not terminated) contract. The contract is terminated by spending the output at a later point in time, for example, using n Lock Time+Check Lock Time Verify (CLTV). By combining this concept with other techniques and computing components, the invention can provide a powerful mechanism for implementing various tasks such as renewing or rolling over the contract, or dividing it into sub-contracts or conditions.

Abstract: Provided are a computer-implemented method and device for chargeback prevention in a payment card transaction, the method comprising operating a processor associated with a user device with which the payment card is associated to: receive a user selection of an item to be purchased; render a graphical representation of the item for the user; receive a user purchase authorisation based on the graphical representation; and transmit a transaction request for the item to an electronic transaction terminal, the transaction request comprising the user purchase authorisation.

Abstract: Methods, systems, and computer program products that generate a rollback request. The system receives information indicating a first form of payment, a first transaction to the first form of payment, information indicating a second form of payment, and a second transaction to the second form of payment that are collectively used to purchase a product or service. The system sends a first request to authorize the first transaction to the first form of payment to a first payment provider system. The system receives a first notification that the first request has been approved by the first payment provider system. The system sends a second request to authorize the second transaction to the second form of payment to a second payment provider system. In response to detecting a failure of the second request, the system determines whether the first form of payment is capable of being reversed or refunded.

Abstract: Provided is a computer-implemented method for remotely authorizing a transaction. The method includes receiving a transaction request including at least one user identifier, determining an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier, determining whether the authorizing user is online, communicating, to a user device associated with the at least one authorizing user, an authorization request message, wherein, if the authorizing user is online, the authorization request message includes a mobile device message configured to prompt the authorizing user to provide an approval of the transaction request, and wherein, if the authorizing user is offline, the authorization request message includes an automated telephone call configured to audibly prompt the authorizing user to provide an approval of the transaction request, and completing the transaction in response to receiving an approval of the transaction request from the authorizing user.

Abstract: An application server for automated data transfers and associated methods are disclosed.

Abstract: There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.

Abstract: Disclosed is a system and method for detecting fraudulent transactions. An example method includes receiving, by a communication interface, data relating to an electronic transaction, including at least one of user actions data and malware actions data, analyzing, by a hardware processor, the data to determine whether the electronic transaction is a possible fraudulent transaction based on a predetermined algorithm stored in an electronic memory, determining, by the hardware processor, whether the possible fraudulent transaction is a legitimate electronic transaction and adjusting, by the hardware processor, operating parameters of the predetermined algorithm when the hardware processor determines that the possible fraudulent transaction is a legitimate electronic transaction.

Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

Abstract: A biometric system for authenticating a biometric request received from a payment terminal, comprising one or more processors in communication with non-transitory data storage having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a payment request from the payment terminal, the payment request including cardholder data and a biometric authentication request; retrieving, from data storage, a key associated with the cardholder data; sending, to the payment terminal, message data representing said key; receiving, from the payment terminal, data representing biometric input from a purchaser; retrieving, from data storage, a reference biometric template associated with the key; comparing said data representing biometric input from the purchaser with the reference biometric template associated with the key; responsive to a determination that said data representing biometric input from the purchaser matches with the reference b

Abstract: An apparatus, including: a banking transaction terminal, further comprising: an input device which inputs information regarding an account and transaction information regarding a transaction on or involving the account; a camera or a video recording device which obtains or records a photograph or a video clip of an individual involved in the transaction; a processor which processes the transaction information; and a computer, further comprising: a database which stores information regarding the transaction and the photograph or the video clip of the individual. The information regarding the transaction and the photograph or the video clip is transmitted to a communication device independently of any processing of the transaction by a transaction authorization processing computer.

Abstract: Embodiments of the present invention provide a method, system and computer program product for smart user feedback. In an embodiment of the invention, a method for smart user feedback is provided. The method includes loading into memory of a computer hosting execution of an application, a set of nominal end user interactions with the application. The method also includes monitoring interactions with the application by an end user and comparing the monitored interactions with the set of nominal end user interactions in order to compute a threshold variance. Finally, the method includes responding to the threshold variance computed for the monitored interactions, by displaying a prompt in a display of the application in the computer recommending an initiation of a customer support session.

Abstract: A system and method are disclosed and include databases that store data describing electronic communication between one or more user devices and one or more company devices and a computer. The computer displays a graphical user interface for monitoring communication activity of one or more one or more user devices and one or more company devices, to one or more company devices and monitors communication activity over one or more communication channels. The computer also records and stores the communication activity in the databases. The computer further displays a list of rules, the list of rules comprising triggers, conditions and actions for each of the one or more rules and a flow of each rule associated with the company of the one or more company devices and executes one or more actions responsive to one or more triggers, conditions or actions of each of the one or more rules.

Abstract: Embodiments of the disclosed technology include systems and methods that can establish a communication link with a customer device, can receive call information from the customer device, can retrieve a customer profile based on a comparison of the call information to stored call information, and can save the customer profile as temporary profile data. Embodiments can receive identifying information from the customer device and, responsive to determining, based on a comparison of the identifying information to the temporary profile data, that the communication link is authenticated, connect the communication link to an authenticated call path. Responsive to determining that a predetermined amount of time has elapsed without determining that the communication link is authenticated, embodiments can determine that the communication link is unauthenticated and can connect the communication link to an unauthenticated call path and delete the temporary profile data.

Abstract: In one embodiment, the present disclosure is directed to a method of verifying a location of an organization. The method includes providing a user interface to a device of a representative of an organization, the user interface prompting the representative to provide organization data. The organization data includes organization name data indicative of an organization name, organization address data indicative of a location of the organization, photograph files for photographs of specific different portions of the location of the organization, and photograph location data indicative of where each of the photographs was taken. The method further includes receiving the organization data from the device, and verifying that the organization address data corresponds with the organization address data.

Abstract: The present invention discloses a blockchain-based carbon trading system, relates to the technical field of greenhouse gas monitoring and block chains. The carbon trading system comprises: a carbon emission measurement module configured to measure carbon emission of greenhouse gas to generate carbon emission data, a block chain carbon emission checking module configured to add a timestamp onto the carbon emission data to generate carbon emission information, a carbon emission reduction calculation module configured to measure carbon emission reduction of reduced greenhouse gas to generate carbon emission reduction data, and a block chain carbon emission reduction checking module configured to add a timestamp onto the carbon emission reduction data to check the generated carbon emission reduction information.

Abstract: A method is described herein for displaying digital badge information. The badge is a digital image being presented to a user of a computer application and associated with an individual or entity badge owner to whom the badge is issued. The method involves displaying the digital image to the user, receiving input indicating that the user has selected the digital image, and obtaining, from a data repository, information pertaining to the image and particular to an accomplishment of the badge owner. The method also further involves displaying at least a subset of the obtained information on an overlay to the image.

Abstract: Example embodiments relate to a network-based vulnerability detection system configured to access a database of customer transaction data corresponding to a set of card readers that includes transaction codes, receive an identification of a set of compromised card readers among the set of card readers, identify common transaction codes within the transaction data of the set of compromised card readers, and correlate the common transaction codes to one or more instances of fraud associated with the compromised set of card readers. In some example embodiments, the vulnerability detection system may be applied to monitor one or more card readers, receive transaction data corresponding to transaction conducted through the card readers, identify the common transaction codes correlated to the instances of fraud, and cause display of a notification that includes an indication of the instance of fraud at a client device.

Abstract: An online system provides content items to client devices for presentation to users and receives information describing actions by users performed by users via the client devices. Certain client devices withhold information uniquely identifying the client devices from the online system to prevent the online system from subsequently identifying a particular user from information uniquely identifying the client device. When the online system receives a description of an action from such a client device that matches an objective included in a content item presented by the online system, the online system identifies users to whom the content item was presented and who are associated with client device characteristics matching characteristics received from the client device. A model is applied by the online system to the identified users that determines a likelihood that at least one of the identified users to whom the content item was presented performed the action.

Abstract: A system and method for modeling customer behavior determines an identified merchant engagement level of at least one customer with respect to an identified merchant based at least partially on transaction data associated with a plurality of transactions between the at least one customer and the plurality of merchants. A peer merchant engagement level of the at least one customer with respect to the at least one peer merchant is determined based at least partially on the transaction data. A loyalty segment of the at least one customer is determined based at least partially on the identified merchant engagement level of the at least one customer and the peer merchant engagement level of the at least one customer. A target action associated with the identified merchant with respect to the at least one customer is automatically initiated, or caused to be initiated, based at least partially on the loyalty segment of the at least one customer.

Abstract: Methods and systems to automatically identify market-agnostic and market-specific search queries are provided. Features of a received search query are analyzed and signaling associated with those features is ranked in terms of its strength in identifying the query as market-agnostic versus market-specific. A relevance score is generated for the received search query based on the feature rankings. The features and relevance score for the search query are used by a binary classifier for classifying and labeling each search query as market-agnostic or market-specific. Thus, search results may be returned and processed for market-agnostic search queries without the need, cost, and inefficiency of processing for every different market.

Abstract: A method and system for ranking products using similarity propagation. The method incudes calculating a total score of a product based on its own score and a propagated score. The propagated score is determined by looking at a similarity distance value and then applying a similarity distance factor to a product's score to determine a propagated score for a new product.

Abstract: Methods and apparatus to apply household-level weights to audience measurement data at a household-member level are disclosed. An example method to determine demographics of populations to measure media audiences of populations includes determining demographics for members of a first household of a sub-population. First demographics of a first member of the first household are different than second demographics of a second member of the first household. The example method includes calculating a first household-level weight for the first household based on a demographics distribution of the sub-population and aggregate demographics of a population.

Abstract: Disclosed in some examples are systems, methods, and machine readable mediums which provide for a forecasting service that, given a query that specifies job posting features produces one or more forecasted metrics for that job posting information over a particular period of time for a pay-per-click job posting model. By providing forecasting metrics, it allows job posters an ability to plan with a degree of certainty how much a particular job post is going to cost given a bid. Moreover, the metrics may visually show an expected value to the job poster for posting the job on the job posting service.

Abstract: A method of enhancing a user interface of a network-based publication system based on seasonality scores associated with items featured in listings posted on the network-based publication system is disclosed. Seasonality data is generated for each of the items. The generating of the seasonality data includes identifying a season corresponding to transaction data pertaining to each of the items and storing the seasonality data in conjunction with the transaction data in a database. The season pertains to a selected user action that is to result in a presentation of a user interface on a device of the user. Seasonality scores are calculated and associated with the items featured in a subset of the listings that are candidates for inclusion in the presentation of the user interface. Relevancy scores are adjusted for each of the candidates and are incorporated into a presentation of the listings in the user interface.

Abstract: An analysis method to be performed by a computer, the computer holding information indicating attributes assigned to each of products, information indicating attributes assigned to each of stores, and information indicating sales of individual products at each store, and the analysis method comprising: a step of summing up the sales of the individual products at each store; a step of replacing sales of a first product at a first store with potential sales higher than the sales of the first product at the first store in a case where an attribute assigned to the first store corresponds to an attribute assigned to the first product and sales of the first product at some store assigned the attribute is higher than the sales of the first product at the first store; and a step of outputting information indicating sales ranks of the individual products at the first store after the replacement.

Abstract: In some embodiments, apparatuses and methods are provided to forecast expected sales and/or demand for one or more products at one or more retail shopping facilities. Some embodiments include systems to forecast retail sales, comprising: a network transceiver; a forecast control circuit; and a memory storing computer instructions executed by the control circuit that receives, via the network transceiver from at least one third party service unassociated with retail shopping facilities and accessed over a distributed computer network, reservation data corresponding with people traveling during a future period of time to a geographic region that is within a threshold distance from a first retail shopping facility; and forecasts expected sales, during the future period of time associated with the reservation data, of at least a first set of products at the first retail shopping facility as a function of the reservation data.

Abstract: Different embodiments to generate predictive models to predict factors regarding a product are disclosed. In one embodiment, a computing apparatus and/or method can generate the predictive models using Ensemble Model algorithms, such as the Random Forest Modeling algorithms, with the apparatus and/or method providing a number of user interfaces to allow a user to enter the user's domain knowledge regarding at least the product to help generate the predictive models.

Abstract: Systems and methods are provided for determining a price of one or more goods. The method includes assigning a readable identification tag to a good, applying one or more price-calculation factors to the good, identifying the good associated with the identification tag, and calculating, using a processor, a price of the good according to the one or more price-calculation factors.

Abstract: A method of estimating a price for a desired property comprising: receiving a real estate price estimate request; determining a search area; obtaining sales data for one or more first properties sold in the search area within a first selected time period, wherein the sales data includes an initial list price, a purchase price, and an average attractiveness score for each of the one or more first properties; obtaining sales data for one or more second properties; determining a projected change in price percentage in response to the sales data for the one or more first properties and second properties; determining a first supply score; determining a second supply score; and determining an estimated market clearing price for the desired property in response to an initial listing price of the desired property, the first supply score, the second supply score, and the projected change in price percentage.

Abstract: A system to utilize at least one of a website and a mobile application that is used by a company to provide monetary compensation to employees who advertise the company on social media, the system including a first computer utilized by at least one of the employees to access the at least one of the website and the mobile application, which accesses a social medium to allow the at least one of the employees to advertise the company by posting an advertisement on the social medium, and a second computer utilized by an employer to access the at least one of the website and the mobile application to approve the advertisement prior to the posting becoming publicly viewable on the social medium, and to provide the monetary compensation to the at least one of the employees using the first computer.

Abstract: Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes, in response to a selection of registration for an account with an entity, calling an application programing interface (API) associated with a virtual wallet platform, and receiving from the virtual wallet platform, via the API, a token associated with the entity. The method also includes displaying the token to a user and receiving, from the virtual wallet platform, a packet of personal identifying information for the user. The method further includes populating an application for registration of the user for the account with the personal identifying information included in the packet, and, upon an input from the user, enrolling the user in a program associated with the entity, based on the personal identifying information included in the packet, and providing the account to the user.

Abstract: The preference-based data collection and discounting system and methods herein collect consumer product preferences and track the buying habits of a consumer and reward consumers through discounts. The buying habits may be interrogated by a database of one or more algorithms, which will result in a collated database about consumer buying habits. This metadata may be used by vendors to make marketing assumptions that will influence a consumer's future purchase decisions. Consumers directly input and update their preferences as well.

Abstract: Methods, systems, computer-readable media, and apparatuses for optimized survey targeting are presented. In some embodiments, a system comprising one or more processors determines, for each question in a plurality of questions in a survey, a prediction indicative of a likelihood that a first user will provide a specific answer to the question and a certainty score associated with the prediction. The system may then identify, based upon the predictions and the certainty scores determined for the plurality of questions in the survey, a first subset of questions from the plurality of questions in the survey, the identifying comprising excluding one or more questions in the plurality of questions from the first subset of questions. The system may also present, a first question from the first subset of questions to the first user.

Abstract: Systems, methods, and non-transitory computer readable media can obtain a plurality of content item collections, each content item collection of the plurality of content item collections including one or more content items. A score for each content item collection of the plurality of content item collections can be determined, based on a probability of a user spending time on at least one of the one or more content items included in the content item collection. The plurality of content item collections can be ranked based on respective scores. Access to at least one content item collection of the plurality of content item collections can be provided to the user based on the ranking.

Abstract: Systems, device and techniques are disclosed for dynamically retrieving and monitoring geo-fence activity. A meta geo-fence may be identified based on a user device geolocation. The meta geo-fence having a radius that is dynamically generated to include previously defined geo-fences within or touching the meta geo-fence. User device geolocation may be monitored in relation to the defined geo-fences included in the radius of the meta geo-fence. A communication may be sent to the user device when the user device reports that the user device has entered or exited one of the previously defined geo-fences within or touching the radius of the meta geo-fence.