Patents Issued in June 13, 2019
  • Publication number: 20190180316
    Abstract: A system and a method for automatically collecting content, the method comprising the steps of: defining a plurality of content sites, creating a collection of virtual agents data including user characteristic data and user behavioral data, presenting the collection of virtual agents to the plurality of content sites; receiving content from the visited internet site; and storing the received content or presenting it to a user.
    Type: Application
    Filed: February 13, 2019
    Publication date: June 13, 2019
    Applicant: BI SCIENCE (2009) LTD.
    Inventors: Assaf Toval, Kfir Moyal
  • Publication number: 20190180317
    Abstract: An online system receives a data stream of reported interaction events that resulted in each of a desired interaction with a content item. Each reported interaction event is associated with an attribution value defining a portion of a value of a desired interaction that is attributed to the interaction event. Using the attribution values, an attribution model is trained that determines an expected value of presenting the content item associated with the attribution model. The online system uses attribution models of a plurality of candidate content items to select content items for presentation to users of the online system.
    Type: Application
    Filed: December 7, 2017
    Publication date: June 13, 2019
    Inventor: Toby Jonas F. Roessingh
  • Publication number: 20190180318
    Abstract: The disclosed computer-implemented method for utilizing machine-readable code in image data for tracking data sharing may include (1) receiving, by a target computing device from a source computing device, image data in a graphical user interface, (2) identifying, by the target computing device, machine-readable code embedded in the image data, and (3) determining, by the target computing device, based on the embedded machine-readable code, one or more tracking metrics associated with sharing the image data. Various other methods, systems, and computer-readable media are also disclosed.
    Type: Application
    Filed: December 13, 2017
    Publication date: June 13, 2019
    Inventors: Evan Lee Chen, Yinshi Zhang
  • Publication number: 20190180319
    Abstract: A method for optimizing LTV related to cumulative future rewards for a player of a plurality of computer-implemented games is disclosed. Data is collected from a game of the plurality of games. The data includes game event data associated with the player, a playing environment within the game, and engine actions performable by the LTV module. The data is analyzed with a first machine-learning (ML) system to create a time-dependent state representation of the game, the player, and the playing environment. The state representation is provided as input to a second ML system to create and optimize an ML policy over time. The ML policy includes a functional relationship proposing a selection of one or more of the engine actions to maximize the LTV. The ML policy and state representation is provided to an LTV optimization module to choose and implement one or more of the engine actions.
    Type: Application
    Filed: December 12, 2018
    Publication date: June 13, 2019
    Inventors: Sampsa Valtteri Jaatinen, Stephen Michael Sullivan
  • Publication number: 20190180320
    Abstract: Cellular telephones capable of locally customizing viewer or user experience based on context are disclosed. A cellular telephone may collect information about viewers to modify its output. Mobile devices capable of locally customizing content are disclosed.
    Type: Application
    Filed: November 29, 2017
    Publication date: June 13, 2019
    Inventors: Ronald Charles Krosky, Brendan Edward Clark
  • Publication number: 20190180321
    Abstract: Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of obtaining a uniform resource locator (URL) of a first webpage that is shown on a graphical user interface and that is external to a website of a retailer (where, in some embodiments, the URL is obtained from a referral website or is entered by a user from a chat window or search box), using a web scraper to extract web text displayed on the first webpage on the graphical user interface, processing the web text displayed on the first webpage on the graphical user interface to determine an interest of a user, using a set of rules to determine items related to the web text displayed on the first webpage on the graphical user interface, and coordinating displaying the items on a second webpage to promote the items as related to the interest of the user, where the second webpage is internal or external
    Type: Application
    Filed: December 12, 2017
    Publication date: June 13, 2019
    Applicant: WAL-MART STORES, INC.
    Inventors: Wei Shen, Yuan Xie, Vahid Jalalibarsari, Lu Wang, Chenxi Liu, Zhao Zhao
  • Publication number: 20190180322
    Abstract: In some aspects, the present invention provides systems, methods and devices for an event attendee to automatically self-register for an event, self-generate personal information on a wearable device, display local merchant information, and exchange personal contact information with other event attendees. For example, an event attendee may press RSVP on a mobile device and then press a button on a wearable device to show his or her name, employer, personal interests, and local merchant logos or special offers. He or she can also press the button of the wearable device to transmit the personal contact information to another individual he or she is talking to.
    Type: Application
    Filed: December 12, 2017
    Publication date: June 13, 2019
    Inventor: Xiaolin Zhang
  • Publication number: 20190180323
    Abstract: In one embodiment, a system, is provided to take not just a person's time and location into consideration, but also has knowledge of and takes into account their availability, their preferences, their schedule, their purpose for being at their current location, and/or their next goal or stop. One embodiment is able to take into account a real-time view of supplier inventory and deduce and make available much better-adapted offerings and support for that person's travels and endeavors. In one embodiment, having an understanding of a rate of conversion and its relation to traffic and weather patterns allows service providers to make more accurate predictions about various items, including but not limited to, conversion rates, offer types, offer upgrades, traffic etc. In yet another aspect of the invention, the information collected from many travelers, and also information collected from airlines and weather observers, etc.
    Type: Application
    Filed: February 14, 2019
    Publication date: June 13, 2019
    Inventors: Sean Handel, Patrick Grady, Mark Orttung, Dan Kikinis
  • Publication number: 20190180324
    Abstract: An automatic system facilitates selection of media properties on which to display an advertisement, responsive to a profile collected on a first media property, where a behavioral-targeting company calculates expected profit for an ad correlated with the profile and arranges for the visitor to be tagged with a tag readable by the selected media property. The profit can be calculated by deducting, from the revenues that are expected to be generated from an ad delivered based on the collected profile, at least the price of ad space at a media property where the BT company might like to deliver ads to the profiled visitor. When the calculated profit is positive (i.e., not a loss), the BT company arranges for the visitor to be tagged with a tag readable by the selected media property through which the BT company expects to profit.
    Type: Application
    Filed: November 16, 2018
    Publication date: June 13, 2019
    Inventor: Roy Shkedi
  • Publication number: 20190180325
    Abstract: Systems, methods, and articles of manufacture for ingesting and processing data in a data processing environment are disclosed. The system may receive data inputs from a plurality of data sources, including from surveys, panels, reports, behavioral monitoring applications, and the like. The system may parse and analyze the data inputs and store the data inputs in a data storage. The system may allow users to submit data analytic queries to retrieve the data inputs based on one or more data filters.
    Type: Application
    Filed: December 11, 2018
    Publication date: June 13, 2019
    Applicant: Hispanispace, LLC
    Inventors: Mario X. Carrasco, Roy E. KoKoyachuk
  • Publication number: 20190180326
    Abstract: Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, including a method for providing content. A request for content is received from a user device. A content item is identified for delivery to the user device responsive to the request. A location of the user device is determined. A threshold distance is determined that a user is likely willing to travel when visiting a physical location associated with the content item or content sponsor. A bounding region associated with the location of the user device is identified. Location extensions are identified that are associated with the content item. A determination is made when one of the location extensions is included in the bounding region and when a distance between the location extension and a current location of the user is less than the determined threshold distance. The content item is augmented with the one location extension.
    Type: Application
    Filed: February 19, 2019
    Publication date: June 13, 2019
    Applicant: Google LLC
    Inventors: Derek COATNEY, Eric L. LORENZO, Yi ZHU, Amin Charaniya, Gaurav Ravindra BHAYA, Gaurav Ravindra BHAYA
  • Publication number: 20190180327
    Abstract: A method of classifying webpages using a data processing system includes generating a plurality of topic models from a first plurality of training documents. The method further includes performing inference using the plurality of topic models on a second plurality of training documents, to generate a first set of feature vectors and a second set of feature vectors. The method further includes performing supervised classification of a third plurality of training documents using the first set of feature vectors, to generate a plurality of candidate topic models. The method further includes evaluating the plurality of candidate topic models using the second set of feature vectors and storing, in a production model datastore, at least some of the plurality of candidate topic models as production topic models, responsive to the evaluation, wherein the first plurality of training documents comprise text obtained from an inventory of web pages.
    Type: Application
    Filed: December 8, 2017
    Publication date: June 13, 2019
    Inventors: Arun Balagopalan, Hardik Shah, Carolina Galleguillos
  • Publication number: 20190180328
    Abstract: A radio receiver of an audio system receives a radio signal that includes a main signal and a radio data system (RDS) signal. The RDS signal includes custom information associated with media content tags and synchronized with time slots in the main signal. A media streaming service identifies targeted media content based on a profile of a mobile device connected to the audio system and sends the targeted media content to the mobile device over an Internet connection. During a playing of the audio broadcast, the audio system receives a custom information in the RDS signal and sends to the mobile device a request including the media content tag associated with the custom information. In response, the audio system receives from the mobile device a targeted media content matching the media content tag. The audio system plays the targeted media content synchronized with the time slot in the main signal.
    Type: Application
    Filed: December 12, 2017
    Publication date: June 13, 2019
    Inventors: Gianluca GARGARO, Gian Filippo MANISCALCO, Maria ANGELINI
  • Publication number: 20190180329
    Abstract: An example operation may include one or more of receiving an identification of vendor resources held by each of a plurality of members of a social network, extracting respective preference information of the plurality of members from web pages associated with the plurality of members on the social network, automatically determining to exchange resources of a first vendor issued to a first member of the social network with resources of a second vender issued to a second member of the social network based on extracted preference information of the first and second members, and triggering execution of the exchange of resources via one or more blockchain computing networks associated with the social network
    Type: Application
    Filed: December 10, 2017
    Publication date: June 13, 2019
    Inventors: Malolan Chetlur, Praveen Jayachandran
  • Publication number: 20190180330
    Abstract: A system and method are disclosed for selecting advertisements for premium and non-premium content and delivering the advertisements and content to client media players. In one implementation, a request is received for a premium content item by a media player. A winning bid is determined for an auction pertaining to the request, where the winning bid is based on an advertiser-specified bid value and on an advertiser-specified bid modifier for advertisement placement in premium content. An advertisement associated with the winning bid is provided to the second media player for presentation with the premium content item.
    Type: Application
    Filed: August 3, 2015
    Publication date: June 13, 2019
    Inventors: Avi Fein, Lane Shackleton, Sibu Ray, Xifei Huang, Lena Elizabeth Cardell
  • Publication number: 20190180331
    Abstract: Systems and methods for opt-out enforcement for systems using non-cookie browser identification are provided herein. An example method includes requesting a session trust cookie for a client, the session trust cookie being generated by an end point system, creating a “from visited” context between the client and the end point system as if the end point system had been visited by the client, and setting, by the end point system, the session trust cookie.
    Type: Application
    Filed: November 30, 2018
    Publication date: June 13, 2019
    Inventors: Jurgen Van Staden, Justin Davis
  • Publication number: 20190180332
    Abstract: Selection of content selection criteria based on entities related by relationship dimensions. In one aspect, a method receives a selection of a seed entity described in entity relation data, the entity relation data defining instances of entities, and for each entity one or more relationship dimensions; generating a set of selected entities; iteratively updating the set of selected entities, each iteration comprising: determining a set of relationship dimensions from the entities in the set of selected entities, each relationship dimension in the set being selected from the one or more relationship dimensions of the entities in the set of selected entities, receiving a selection of one of the relationship dimensions and in response: determining a set of candidate entities from the relationship dimensions and in response to receiving a selection of one or more candidate entities, updating the set of selected entities to include the one or more candidate entities.
    Type: Application
    Filed: February 13, 2019
    Publication date: June 13, 2019
    Inventors: Clemens Lombriser, Ian James Leader, Hongji Bao
  • Publication number: 20190180333
    Abstract: A system and method for gamified crowdfunding over the Internet in order to crowdfund worthy or charitable causes while offering incentives and rewards in the form of an entertaining game and the potential added benefit of a share of the proceeds. Proceeds from the gamified crowdfunding could be shared between the worthy cause and the high scoring donor-participants. A host identifies and selects, through a contest or other selection process, a cause or beneficiary to be featured. The host possesses or owns a server with a processor and memory in which to store a game of knowledge or skill and the game interface and that server is accessed by users via a network. Through the game, queries and answers are exchanged. Through a personal computing device, a user creates an account, pays funds to support a cause, and competes and interacts with the game and other users.
    Type: Application
    Filed: February 11, 2019
    Publication date: June 13, 2019
    Applicant: Givling, Inc.
    Inventor: Lizbeth Lenore Pratt
  • Publication number: 20190180334
    Abstract: Systems and methods for user-guided automated video production, including video testimonials and other forms of branded video content. A user makes video content selections related to audio and visual graphics for a testimonial. Testimonial requests are then sent inviting others to submit videos. Submitted videos are subsequently processed according to the user's selections to produce branded content with features previously dictated by the user. Branded content without testimonials may also be produced based on user selections.
    Type: Application
    Filed: December 7, 2018
    Publication date: June 13, 2019
    Inventors: Doug Dibert, Patrick Tuure, James Bales
  • Publication number: 20190180335
    Abstract: Implementations are directed to receiving, by a NIO platform, one or more sets of data, the one or more sets of data including a set of historical data, and a set of opportunity data, processing, by the NIO platform, at least the set of historical data to determine a sub-set of data, the sub-set of data including data types having a relatively high impact on network infrastructure cost, providing, by the NIO platform, respective cost estimations for two or more network infrastructure opportunities by processing the set of opportunity data using a cost model provided from the sub-set of data, prioritizing, by the NIO platform, two or more network infrastructure opportunities relative to each other, and transmitting, by the NIO platform, one or more visualizations for display to a user on a computing device, the one or more visualizations graphically depicting prioritization of the two or more network infrastructure opportunities.
    Type: Application
    Filed: December 8, 2017
    Publication date: June 13, 2019
    Inventors: Bora Goekbora, Scott Saiget, Natalie H. Mckeever, Syed Feroze H. Shah, Terry Wayne Steger, Sumit Banerjee, Sean Delaney
  • Publication number: 20190180336
    Abstract: A system for controlling a charging of an electric vehicle, wherein a charging at one electric vehicle charging station affect a charging at another electric vehicle charging station is disclosed. The system includes: an electric power grid, a first electric vehicle charging station connected to the electric power grid, and a second electric vehicle charging station connected to the electric power grid, wherein the first electric vehicle charging station facilitates a charge transfer for an electric vehicle at the second electric vehicle charging station using a mobile device. The mobile device relays communication from the electric vehicle charging stations to the cloud server. The charge transfer request received at the cloud server is authorized using identification information and credit account information received from the mobile device. The charge transfer at the first electric vehicle charging station is adjusted based on a charging level at the second electric vehicle charging station.
    Type: Application
    Filed: February 15, 2019
    Publication date: June 13, 2019
    Inventors: Lin-Zhuang Khoo, Ron Mahabir, Terence Siew, Renaldo Noma, Neeraj Jhanji
  • Publication number: 20190180337
    Abstract: Various embodiments of systems and methods for form design are described herein. A user interface to configure a procurement-related non-catalogue form is displayed. The user interface includes configuring options that enable customization of form name, form category, and form fields. Configuration data is received in response to user input corresponding to the configuring options. The received configuration data is saved corresponding to the non-catalogue form. The saved configuration data is read for rendering the non-catalogue form.
    Type: Application
    Filed: February 20, 2019
    Publication date: June 13, 2019
    Inventor: Pinki PACHISIA
  • Publication number: 20190180338
    Abstract: An intelligent product catalog system provides for electronic creation, management and viewing of product information using a multimedia display system. A central database repository stores the product information and provides for an unlimited number of product attributes and dynamic reconfiguration of the product information. The central database repository comprises a metadata system, a scheme system and an object model system. A plurality of applications access the central database repository, the applications being automatically adaptive to the dynamic reconfiguration of the product information. A user interface provides display, sorting and filtering of the product information including the unlimited number of product attributes.
    Type: Application
    Filed: December 6, 2018
    Publication date: June 13, 2019
    Inventor: Leslie H. Swanson
  • Publication number: 20190180339
    Abstract: A server and method for managing a user pairing is provided. The method comprises receiving, from a target user device, target user information from a target user, the target user information including a product in which the target user is interested, a product amount of the product and a target user amount which the target user is willing to offer for the product; obtaining, from a database, user information to identify one or more users who have indicated interest in the product and are willing to offer a total amount which is equal to or more than a difference between the product amount and the target user amount; and sending, to the target user device, a pairing message informing the target user of a determination of a pairing of the target user and the identified one or more users.
    Type: Application
    Filed: November 2, 2018
    Publication date: June 13, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Kirubakaran Ellappan, Balu Ramamoorthy, Pradeep Yadavalli, Yuvraj Chalake, Vijay Shantling Lamture, Rajesh Pralhadrao Mahalle, Rukuma Viegas
  • Publication number: 20190180340
    Abstract: The present disclosure is directed toward systems and methods for managing electronic messages via a social networking system. For example, systems and methods described herein involve organizing electronic messages and/or communication threads related to a product offered by sale via the social networking system. Furthermore, systems and methods described herein can generate and send electronic messages that are related to the status of a product that a product seller has advertised for sale via the social networking system.
    Type: Application
    Filed: February 20, 2019
    Publication date: June 13, 2019
    Inventors: Mary Pao-an Ku, Anand Subbarayan, Bowen Pan
  • Publication number: 20190180341
    Abstract: This invention provides a unique method and process for selling, gifting and redeeming a subscription of certain products via an online marketplace. The method includes offering subscription based products for sale via an online retail store that utilizes an Announcement Package (either electronic or physical), whereby the Announcement Package enables recipients to activate their subscription using a unique activation code and order number. Once the recipient has activated their subscription, they can order products by redeeming installments or points associated with their subscription using a system that provides the recipient ultimate flexibility in managing their subscription, empowering them to customize each order based on his or her needs.
    Type: Application
    Filed: December 9, 2017
    Publication date: June 13, 2019
    Inventors: John A. Matra, Jean M. Matra
  • Publication number: 20190180342
    Abstract: A computer-based system and method of universal sizing and selling of apparel is provided. A central computer has a database of universal size indicators for articles of apparel, each corresponding to a range of physical measurements. The central computer receives from at least one remote computer at least one physical measurement corresponding to a consumer and provides to the consumer at least one of the universal size indicators corresponding to the received physical measurement. At least one consumer profile includes the universal size indicators corresponding to the physical measurements of the consumer. The consumer profile is shareable with others. Software is loadable onto the remote computer and is adapted to measure a person's foot placed upon a touch screen of the remote computer. The universal size indicators do not vary amongst different brands of the articles of apparel and include at least one of a character or a shape.
    Type: Application
    Filed: February 15, 2019
    Publication date: June 13, 2019
    Inventors: Evan Cagner, Sarah Caplan
  • Publication number: 20190180343
    Abstract: Systems and methods are disclosed related to presenting an interactive audiovisual presentation that provides a user with information regarding individual items matching a user's search request or other request that results in a set of items. The audiovisual content may be generated to include a summary of a subset of item attributes associated with the individual items, and may include both an audio summary and visual content that are presented in synchronization with each other based on markup information in a presentation file.
    Type: Application
    Filed: December 12, 2017
    Publication date: June 13, 2019
    Inventors: Jon Arnett, Alexey Budnik, Philip Douglas Bozak, Jackie Davis Goldberg, Bennett Wilson Hornbostel, Robert Katz, Andrew Samuel Li, Vander McClain, Chee Kiat Ng, Allana Pritchard, Amy Jane Scrivanich, Xiaobin Zhang, Chris David Ziemba
  • Publication number: 20190180344
    Abstract: A method to allocate memory, in response to application requests, for a compact data structure having location data and a trailer section is provided. The trailer section of the compact data structure is checked to determine an offset for listings and indices representing the location data. Upon determining the offset, the listings and indices are loaded into memory and responses to the application requests are generated by utilizing the listings and indices stored in the memory.
    Type: Application
    Filed: January 16, 2019
    Publication date: June 13, 2019
    Inventors: Baskaran DHARMARAJAN, Jay C. JACOBS
  • Publication number: 20190180345
    Abstract: Provided is a computer-implemented method for determining a merchant category alignment of an account. The method may include comparing at least one parameter associated with transaction data for each user of a plurality of users; segmenting the plurality of users into at least one group of users based on a similarity of the at least one parameter between each user, generating a merchant category similarity matrix for the at least one group of users based on the transaction data for each user in the at least one group, generating an account category matrix based on the transaction data, generating one or more recommendations of an offer associated with the second merchant category, and communicating the one or more recommendations of an offer associated with the second merchant category. A system and computer program product are also disclosed.
    Type: Application
    Filed: December 8, 2017
    Publication date: June 13, 2019
    Inventors: Xie Xie, Debesh Kumar, Guangyu Wang, Lawson Lau
  • Publication number: 20190180346
    Abstract: Techniques and systems for beacon triggered device to device content transfer are disclosed. A described technique includes presenting, at an interactive beacon device, content including an interactive store catalog; receiving, at the interactive beacon device, user input responsive to the content; generating, at the interactive beacon device, a beacon message that can include transaction information based on the user input and the content, the transaction information including a service or product identifier corresponding to a product or service selected from the interactive store catalog; and transmitting, from the interactive beacon device, the beacon message over a short-range communication link to a mobile device. The beacon message can be configured to cause an application on the mobile device to advance a transaction associated with the transaction information.
    Type: Application
    Filed: February 13, 2019
    Publication date: June 13, 2019
    Applicant: Apple Inc.
    Inventors: Benjamin Vigier, Corey G. Fugman, Filip Krsmanovic
  • Publication number: 20190180347
    Abstract: Systems, apparatus, methods, and non-transitory media for providing multiple items for purchase to consumers are discussed herein. Some embodiments may include a system including circuitry configured to initiate an add-to-order session timer subsequent to the primary purchase of a first item using transaction data of the consumer. The add-to-order session timer may indicate a period of time in which one or more additional items may selected for purchase using the same transaction data as the primary purchase. In some embodiments, the system may be further configured to provide incentives to the consumer for selecting an additional item prior to expiration of the add-to-order session timer.
    Type: Application
    Filed: September 5, 2018
    Publication date: June 13, 2019
    Applicant: Groupon, Inc.
    Inventors: Justin Michael Hughes, Jeffrey A. Holden, Jeffrey M. Ayars
  • Publication number: 20190180348
    Abstract: A computer-implemented method for processing a transaction request at a payee location using a payer transaction module, where the payer transaction module is in communication with a payment network server, comprises receiving, at the payer transaction module effecting on a payer device, a transaction request indicating a first product and a second product to be purchased from a payee, the first product having a first delivery option and the second product having a second delivery option; forwarding, to the payment network server, the transaction request; and receiving, at the payer transaction module, a response message to process the transaction request if it is determined at the payment network server that the payee is available to carry out the first and second delivery options for delivering the first and second products respectively.
    Type: Application
    Filed: November 29, 2018
    Publication date: June 13, 2019
    Inventor: Vigneshwaran VASANTHARAJAN
  • Publication number: 20190180349
    Abstract: An e-commerce computer system electronically receives a selection of at least one product with at least one contractor service from a purchaser computer system. The e-commerce computer system automatically places a product code for the at least one product in an electronic shopping cart. The e-commerce computer system automatically places a service code for the at least one contractor service in the electronic shopping cart. The e-commerce computer system receives the service code electronically from a mapping computer system, the service code automatically derived by the mapping computing system programmed to map the at least one product with the at least one contractor service. The e-commerce computer system electronically presents the electronic shopping cart to the purchaser computer system with a request to complete a purchase of the at least one product and the at least one contractor service.
    Type: Application
    Filed: August 11, 2017
    Publication date: June 13, 2019
    Inventors: Todd Banhidy, Matt Brunmeier
  • Publication number: 20190180350
    Abstract: A method for facilitating a mass market purchase includes: transmitting an offer notification to a plurality of computing devices, the notification including a minimum acceptance number, product information, and transaction amount; receiving an offer acceptance from one of the computing devices, the acceptance including payment credentials associated with a transaction account; initiating placement of an authorization hold on the transaction account for the transaction amount; repeating the receiving and initiating steps a number of times for offer acceptances received by additional computing devices; and if the number of times is at least the minimum acceptance number, initiating a payment transaction for each of offer acceptance for payment of the transaction amount from the respective transaction account based on the corresponding authorization hold, or if the number of times is less than the minimum acceptance number, initiating clearing of the authorization hold corresponding to the respective offer acce
    Type: Application
    Filed: December 7, 2017
    Publication date: June 13, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Antonio MARRA, Prashant SHARMA, Manash BHATTACHARJEE
  • Publication number: 20190180351
    Abstract: A centralized accounting system for invoice generation is described as a web-based portal accessible by parties of a supply chain finance relationship via one or more computer networks. The centralized system provides a computer-based, network accessible platform in which a customer and a vendor may negotiate and agree upon terms of a purchase order for products. The centralized system then approves the purchase order based on vendor and customer profile information, and sends a notification of the approved purchase order to a bank. The centralized system automatically generates a vendor invoice for the approved purchase order and submit the vendor invoice to the bank for payment according the terms of the supply chain finance relationship. The centralized system ensures that the vendor invoice is accurate for the approved purchase order. The centralized system may also automatically generate and submit a bank invoice to the customer for the approved purchase order.
    Type: Application
    Filed: January 3, 2018
    Publication date: June 13, 2019
    Inventors: Kathryn Seabaugh, Rishabh Mallick, Philip Perry, Justin Sogge, Mandy Valdes, Rebecca Stoddard
  • Publication number: 20190180352
    Abstract: Embodiments include methods, systems and computer program products for locating items in a store from a personal shopping list. Aspects include receiving, by a processor of a mobile device, a personal shopping list and obtaining images of items on the personal shopping list. Aspects also include receiving, by the processor of the mobile device, images of one or more shelves in the store and analyzing the images of one or more shelves in the store to identify items on the personal shopping list. Based on a determination that an identified item on the personal shopping list has been located in one of the images of the one or more shelves, aspects include generating a notification that the identified item has been located.
    Type: Application
    Filed: December 11, 2017
    Publication date: June 13, 2019
    Inventors: NICHOLAS G. DANYLUK, KAVITA SEHGAL, DIANE M. STAMBONI, SNEHA M. VARGHESE, JOHN S. WERNER, SARAH WU
  • Publication number: 20190180353
    Abstract: A system, method and tools for normalizing product reviews and the presentation of product information viewed within a vendor's virtual storefront. Disclosed embodiments customize a user's navigation experience of a vendor's virtual storefront to be normalized to a target user's profile, social media or past information of the target user to prioritize relevant product reviews while de-prioritizing irrelevant ones. Normalization occurs through the identification of product reviews relevant to the target user's age, interests, purchasing history, activity levels, sizing, environment, location and internet activity or other distinguishing settings, features or information known. Sensor measurements from one or more TOT devices provide additional information which can be used to normalize the product reviews.
    Type: Application
    Filed: December 7, 2017
    Publication date: June 13, 2019
    Inventors: Lisa Seacat DeLuca, Jeremy A. Greenberger
  • Publication number: 20190180354
    Abstract: An autonomous road vehicle is operative to receive ride source requests, product delivery requests, and ancillary product purchase and fulfillment requests. A product securing subsystem is attached to the autonomous road vehicle and comprises at least one securable compartment. Each securable compartment is operative to secure at least one product therein. Each securable compartment is associated with compartment access information. An access subsystem comprising at least one access information interface. The access subsystem is operative, upon receipt through the access information interface of compartment access information, to permit access to the compartment in order to enable product purchase and fulfillment requests.
    Type: Application
    Filed: December 13, 2017
    Publication date: June 13, 2019
    Inventors: Jeremy A. Greenberger, James R. Kozloski, Clifford A. Pickover
  • Publication number: 20190180355
    Abstract: A management system includes a processing device. The processing device is configure to: acquire schedule information indicating an action schedule of a user; specify, from the schedule information, a date and time at which the user is scheduled to use the vehicle and a date and time at which the user is not scheduled to use the vehicle; notify a parking space management system of information indicating the date and time at which the user is scheduled to use the vehicle as information indicating a vacant time at which the parking space is available; and notify a vehicle management system of information indicating the date and time at which the user is not scheduled to use the vehicle as information indicating a vacant time at which the vehicle is available. The user has authority to use a vehicle and authority to use a parking space set to park the vehicle.
    Type: Application
    Filed: October 12, 2018
    Publication date: June 13, 2019
    Applicant: Toyota Jidosha Kabushiki Kaisha
    Inventors: Koichi Suzuki, Katsunori Takami
  • Publication number: 20190180356
    Abstract: A method of sharing of a product among a plurality of users includes receiving a first request, by a server, for accessing a merchant website from a first user. The first user accesses the merchant website to select a first product for sharing. The first user submits one or more product sharing parameters for sharing the first product to the server. The server receives a second request for accessing the merchant web site from a second user. The second user accesses the merchant web site to purchase the first product. The second user selects the first user to share the first product with, on time-shared basis. The server charges the first and second users the first offer amount and a purchase amount, respectively, to enable sharing of the first product between the first and second users.
    Type: Application
    Filed: December 4, 2018
    Publication date: June 13, 2019
    Inventors: Harsh PIPARSANIYA, Sudhir GUPTA, Rahul AGRAWAL
  • Publication number: 20190180357
    Abstract: The present disclosure selects third party content based on feedback. A selector identifies several content items including first and second content items (or more) responsive to a request. A machine learning engine determines a first feature of the first content item, a second feature of the second content item, and a third feature of the web page or a device associated with the request. The machine learning engine determines, responsive to the first feature and the third feature, a first score for the first content item based on a machine learning model generated using historical signals received from devices via a metadata channel formed from an electronic feedback interface. The machine learning engine determines a second score for the second content item responsive to the second feature and the third feature. A bidding module determines a price for the first content item based on the first and second scores.
    Type: Application
    Filed: February 20, 2019
    Publication date: June 13, 2019
    Applicant: Google LLC
    Inventors: Shilpa Arora, Colin McCulloch, Niyati Yagnik, Creighton Thomas, Manohar Prabhu, Timothy Lipus, Michael Eugene Aiello, Yi Zhang, Ajay Kumar Bangla, Bahman Rabii, Gaofeng Zhao, Yingweii Cui
  • Publication number: 20190180358
    Abstract: A machine learning and predictive analytics system is disclosed. The system may comprise a data access interface to receive, over a network, data associated with a subject from a data source. The data source may include an internal data source and an external data source. The system may comprise at least one processor to analyze the data associated with the subject, predict a future life event based on the analysis of the data, and calculate at least one of a financial forecast, a ratio, and an index based on the predicted future life event and data associated with the subject. The processor may use machine learning, statistical analysis, simulation, and/or modeling techniques to analyze the data, predict the future life event, and calculate the at least one of a financial forecast, a ratio, and an index, which may represent likelihood of the subject taking a financial action with a financial institution.
    Type: Application
    Filed: June 29, 2018
    Publication date: June 13, 2019
    Applicant: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Priyank NANDAN, Gareth Cork, Sherif Aurangzed Seed Choudhry, Ali Yagmur Aydinli, Andrew Hodge, David James McGinty
  • Publication number: 20190180359
    Abstract: A system and method is provided that effectuates member-to-member sharing of funds between bank accounts maintained at a bank. The sharing occurs subsequent to one of the members of the organization receiving a rendered service from a provider. This results in a specific sharing need that the organization is aware of. The organization directs the bank to transfer funds from one member to the member in need of paying the expense associated with the rendered service. The money from the other members that is deposited into the receiving member's account is then distributed to the provider as a payment for the rendered service. The money may be distributed directly from the bank, or the money may be provided to the organization that directs the payment to the provider.
    Type: Application
    Filed: October 24, 2018
    Publication date: June 13, 2019
    Inventors: Brandon Fabris, Daniel Joseph Beers, II
  • Publication number: 20190180360
    Abstract: A system and method is provided that effectuates member-to-member sharing of funds between bank accounts maintained at a bank. The sharing occurs subsequent to one of the members of the organization receiving a rendered service from a provider. This results in a specific sharing need that the organization is aware of. The organization directs the bank to transfer funds from one member to the member in need of paying the expense associated with the rendered service. The money from the other members that is deposited into the receiving member's account is then distributed to the provider as a payment for the rendered service. The money may be distributed directly from the bank, or the money may be provided to the organization that directs the payment to the provider.
    Type: Application
    Filed: October 24, 2018
    Publication date: June 13, 2019
    Inventors: Brandon Fabris, Daniel Joseph Beers, II
  • Publication number: 20190180361
    Abstract: A system and method is provided that effectuates member-to-member sharing of funds between bank accounts maintained at a bank. The sharing occurs subsequent to one of the members of the organization receiving a rendered service from a provider. This results in a specific sharing need that the organization is aware of. The organization directs the bank to transfer funds from one member to the member in need of paying the expense associated with the rendered service. The money from the other members that is deposited into the receiving member's account is then distributed to the provider as a payment for the rendered service. The money may be distributed directly from the bank, or the money may be provided to the organization that directs the payment to the provider.
    Type: Application
    Filed: October 24, 2018
    Publication date: June 13, 2019
    Inventors: Brandon Fabris, Daniel Joseph Beers, II
  • Publication number: 20190180362
    Abstract: A system and method is provided that effectuates member-to-member sharing of funds between bank accounts maintained at a bank. The sharing occurs subsequent to one of the members of the organization receiving a rendered service from a provider. This results in a specific sharing need that the organization is aware of. The organization directs the bank to transfer funds from one member to the member in need of paying the expense associated with the rendered service. The money from the other members that is deposited into the receiving member's account is then distributed to the provider as a payment for the rendered service. The money may be distributed directly from the bank, or the money may be provided to the organization that directs the payment to the provider.
    Type: Application
    Filed: October 24, 2018
    Publication date: June 13, 2019
    Inventors: Brandon Fabris, Daniel Joseph Beers, II
  • Publication number: 20190180363
    Abstract: A system and method is provided that effectuates member-to-member sharing of funds between bank accounts maintained at a bank. The sharing occurs subsequent to one of the members of the organization receiving a rendered service from a provider. This results in a specific sharing need that the organization is aware of. The organization directs the bank to transfer funds from one member to the member in need of paying the expense associated with the rendered service. The money from the other members that is deposited into the receiving member's account is then distributed to the provider as a payment for the rendered service. The money may be distributed directly from the bank, or the money may be provided to the organization that directs the payment to the provider.
    Type: Application
    Filed: October 24, 2018
    Publication date: June 13, 2019
    Inventors: Brandon Fabris, Daniel Joseph Beers, II
  • Publication number: 20190180364
    Abstract: A switching of direct deposit payment destination account with a single action is initiated by a user of a finance service. A server system receives user information from a client system, assigns a client identifier to the client system, and associates the assigned client identifier with the received user information. The server system sends to the client system the assigned client identifier and information identifying the employer for one or more direct deposit payment and including a switch button. The client system receives and stores the assigned client identifier and receives and displays the information to the user. In response to activation of the switch button, the client system sends to the server system a request to switch the identified payment to the financial services account information on the server system. The server system generates a direct deposit switching request in accordance with the requirements of the employer.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 13, 2019
    Inventors: Jike Chong, Manning Field, Charles Deutsch, Paige Conrad, Skylar Hartman, Jeremy Greene
  • Publication number: 20190180365
    Abstract: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document, Finally, the method may also include sending loan application status information to the customer device based on the confirmation.
    Type: Application
    Filed: February 19, 2019
    Publication date: June 13, 2019
    Inventors: Mitchell H. Ruebush, Stephen Payne