Patents Issued in January 9, 2020
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Publication number: 20200013037Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.Type: ApplicationFiled: July 9, 2018Publication date: January 9, 2020Inventors: Abdelkader M'Hamed BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
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Publication number: 20200013038Abstract: Provided is an information processing device, an information processing method, and a program which are capable of controlling remittance of an amount of money set according to a user context. An information processing device includes a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function, and a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.Type: ApplicationFiled: January 31, 2018Publication date: January 9, 2020Inventors: MASATOMO KURATA, SOTA MATSUZAWA
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Publication number: 20200013039Abstract: An interface system extends a prior-art multi-pump fuel delivery station so that authorization to activate the fuel delivery pump can be obtained from a remote authorization service over a long-range wireless communication link such as a cellular telephone connection or a satellite connection; and delivered to the interface system over a different, short-range wireless communication link such as a Bluetooth® connection or a WiFi connection. After receiving the authorization, a signal to activate a fuel delivery pump is transmitted to a physically separate pump control module over an electrical power line by being coupled onto the power line by a first power line interface, and coupled back off of the power line by a second power line interface. The signal causes the physically separate pump to start or stop operation.Type: ApplicationFiled: August 27, 2019Publication date: January 9, 2020Applicant: Fuel Cloud IP Holding LLCInventors: Andrew R. SNODGRASS, Kevin A. Bretthauer
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Publication number: 20200013040Abstract: Disclosed are a terminal device and a method of operating the same capable of, when a user enters a safe area (for example, the user's home or car), automatically executing a login to a site pre-configured in the entered area, thereby improving the use of an app service in the terminal device.Type: ApplicationFiled: July 3, 2019Publication date: January 9, 2020Inventor: Ki Chon KANG
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Publication number: 20200013041Abstract: Crowd-location based analytics for transactions are provided. An assembly of mobile devices in a cell sector (or, in some embodiments, a cell) of wireless coverage can be determined. The assembly can be referred to as a crowd and can comprise a number of mobile devices greater than the cell sector's average device occupation. Organization entities located within the cell sector also can be identified. A demand or interest for an asset (e.g., a service or merchandise) can be determined for the mobile device based at least on a device profile. The demand or interest can be associated with the organization entity that can provide the asset. Promotional information related to the asset can be sent to the mobile device and/or a device associated with the organization entity. The mobile device can present at least a portion of such information and a transaction related to the asset can be performed otherwise facilitated.Type: ApplicationFiled: September 13, 2019Publication date: January 9, 2020Inventors: Venson Shaw, Mark Easley
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Publication number: 20200013042Abstract: According to various embodiments of the disclosure, a first payment server may include a communication module, and a processor to receive a card registration request including account information from a first electronic device, to request a second payment server to provide card information on a card, which is registered by a second electronic device, in association with the account information, to receive the card information from the second payment server, and to transmit, to a financial company server, the card registration request of the first electronic device based on the received card information.Type: ApplicationFiled: March 2, 2018Publication date: January 9, 2020Inventors: Ji Hye LEE, Ho Seock CHOI, Jun Ho HWANG, Bo Ram KIM, Sang Eun SHIN, Sung Jun LIM, Se Jun HAN
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Publication number: 20200013043Abstract: A method of operating a transaction device to perform a contactless transaction with a terminal 3 of a transaction system is described. The method comprises the following steps: determining if the transaction device has associated with it a mechanism for providing user verification at the device, and if there is an associated user verification mechanism, transacting with the terminal 3 according to a first transaction protocol, and if there is no associated user verification mechanism, transacting with the terminal 3 according to a second transaction protocol. This approach is particularly suitable for use with transaction devices implemented as wearable devices 1. A suitable wearable device 1 and software for programming such a wearable device are also described.Type: ApplicationFiled: February 21, 2018Publication date: January 9, 2020Inventors: Patrik Smets, Patrick Mestre, Eddy Van De Velde
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Publication number: 20200013044Abstract: Disclosed are a CPK-based digital bank, a digital currency and a payment method. The digital currency is a core component of the digital bank. The digital currency is realized by means of a CPK digital signature, and a payer provides an account authenticity certification, an amount authenticity certification and a fund allocation authenticity certification, thereby effectively preventing crimes inside or outside a bank. The digital currency directly takes an account identifier as an account number. The digital currency can be used in on-line operations, as well as off-line operations, thereby satisfying face-to-face trade requirements between a great number of retail accounts. The CPK digital bank is realized by means of a CPK chip without support of other devices, such that everyone can check the authenticity of the digital currency.Type: ApplicationFiled: November 27, 2017Publication date: January 9, 2020Applicant: JIN SHANG BO CHUANG (BEIJING) SCIENCE&TECHNOLOGY CO. LTDInventor: Xianghao Nan
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Publication number: 20200013045Abstract: A method includes receiving a request from a computing device requesting that a digital wallet rendered by a digital wallet application executed on the computing device be recognized and accepted within a secure and trusted data communication system for purposes of financial transactions using a first cryptocurrency. The method further includes verifying that the first cryptocurrency is a valid form of cryptocurrency in accordance with a validation protocol. When the first cryptocurrency is valid, the method further includes establishing a per unit value of the first cryptocurrency based on a per unit value of a known and trusted cryptocurrency of the system, obtaining a set of units of collateral cryptocurrency for a plurality of units of first cryptocurrency based on the established per unit value of the first cryptocurrency, and storing the set of units of collateral cryptocurrency in a secure stake pool for transactions utilizing the first cryptocurrency.Type: ApplicationFiled: July 3, 2019Publication date: January 9, 2020Applicant: Flexa Network Inc.Inventors: Tyler Robert Spalding, Zachary Kilgore, Trevor Filter
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Publication number: 20200013046Abstract: An apparatus, including a database which stores information regarding accounts, and information regarding whether or not each account can be utilized to effectuate payment for a total cost of a transaction; a computer; a distributed ledger and Blockchain technology system; and a receiver. The receiver receives one or more transaction authorization requests regarding the transaction. The computer determines whether an account identified in an authorization request can be utilized to effectuate payment of the total cost. If the account is not allowed to effectuate payment for the total cost, the computer disallows the transaction if the account is presented to effectuate payment for the total cost. If the computer determines that the account is not presented to effectuate payment for the total cost, then the distributed ledger and Blockchain technology system processes each authorization request and determines if the transaction is authorized or unauthorized.Type: ApplicationFiled: July 14, 2019Publication date: January 9, 2020Inventor: RAYMOND ANTHONY JOAO
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Publication number: 20200013047Abstract: A method is described for processing a payment transaction using a cryptocurrency wallet. The method involves the following features: an operating state profile of a vehicle is called up, the address is subjected to a plausibility check based on the operating state profile, and a release of the payment transaction is granted if the address bears up against the plausibility check.Type: ApplicationFiled: June 25, 2019Publication date: January 9, 2020Inventors: Simon Weissenmayer, Peter Busch, Rouven Ritter, Steffen Eccarius
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Publication number: 20200013048Abstract: Methods and systems for securely conducting a transaction requiring approval via a personal device of a purchaser is provided. In some embodiments, under control of a payment application executing on the personal device of a purchaser, the method establishes secure connection to a payment terminal of a seller. The method receives via the secure connection transaction information generated by a point-of-sale system. The method prompts the purchaser to approve the transaction. Upon approval, the method sends via the secure connection with the payment terminal an indication of the approved transaction to a digital payment guardian system. Under control of the digital payment guardian system, the method adds the approved transaction to a distributed ledger upon receiving the approved transaction. The method settles the approved transaction and provides notification of the settlement to the point-of-sale system so that the point-of-sale system can close the transaction.Type: ApplicationFiled: July 3, 2019Publication date: January 9, 2020Inventor: Dana Love
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Publication number: 20200013049Abstract: The coin-basis engine is used to determine crypto currency basis functions as a real time calculator and index for real-time basis determination and value tracking for any crypto currency. The coin-basis engine analyzes blockchain transactions for a heterogenous mix of blockchain based or digital crypto-currencies, market events, currency exchanges and related property/trade transactions to determine taxable basis and taxable gains of crypto currency tokens. The key components of the coin-basis are the Artificial intelligence (AI) based Coin-basis engine, gateway routers and the blockchain database/ledger.Type: ApplicationFiled: March 20, 2019Publication date: January 9, 2020Inventors: Carl B. Ingram, Michael Pickett, Tom Brown
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Publication number: 20200013050Abstract: A system and method for associating payment with provisioning an IoT device with a digital certificate without a need for a central Certificate Authority is presented. The IoT device is preloaded with a nonce, and a hash of the nonce signed by an authorized certificate is published on the blockchain. The nonce may then be submitted to the blockchain with a self-signed certificate, the presence of the nonce validating the self-signed certificate. The blockchain provides a final single view of a true state of the digital certificates in the system and their respective authority and validity. The publishing and signing of certificates may be associated with a transfer of tokens, or digital credits of commercial value.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: Keir Finlow-Bates, Jonathan Sean Callan
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Publication number: 20200013051Abstract: Systems and methods provide multi-function authentication. One exemplary method includes receiving a request to opt into multi-function authentication. A primary operation-based key is generated by the communication device, the operation-based key accessible based on authentication of the user and available for use after the authentication. The primary key is imported, by an application, into a secure key data structure, such that it is only accessible by the application. When the biometric authentication of the user is successful, the communication device transmits to an account server an indication that the user is eligible for multi-function authentication. The communication device receives a time-based secondary key from the account server, wherein the time-based key is useable only during a defined interval. The application links the secondary key to the primary key and imports the secondary key into the data structure such that it is only accessible via the primary key.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: Asif Kadiwala, Nirmish Dholakia, Sunil Mishra, Chao Zeng, Hemant Bhanushali
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Publication number: 20200013052Abstract: A method of performing cryptocurrency transactions requiring a private key includes: establishing a connection from a smart wallet to a user device; receiving a transaction request requiring the private key; disabling the connection; retrieving the private key to a private key memory; processing the transaction; clearing the private key memory; enabling the connection; and sending a completion message. A method of performing cryptocurrency transactions requiring a private key includes: establishing a connection from a user device to a smart wallet; receiving a transaction request requiring the private key; sending the transaction request to the smart wallet; determining that the smart wallet is disconnected from the user device; waiting for the smart wallet to reconnect; and receiving a response from the smart wallet. A smart wallet includes: a storage; a private key storage; and a communication module that is able to communicate with a user device across at least one channel.Type: ApplicationFiled: July 5, 2018Publication date: January 9, 2020Inventors: Kenny Fok, David Chhat, Leroy Kuybus, Louis Nicdao, Jim McLaughlin, Abad Vera, Ying Xiong, Andy Fok, Mark Parreira
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Publication number: 20200013053Abstract: A computing system securely controlling repayment of a loan to purchase an asset is provided. The system records a smart contract in a distributed ledger. The smart contract receives funding messages from a lender. After purchase of the asset is funded, the system sends a payment message to the smart contract indicating that the asset is being accessed and identifying a payment transaction that transfers a payment amount to a payment account. The smart contract records in the distributed ledger a repayment transaction that transfers a repayment amount to the lender from the payment amount of the payment transaction. The smart contract ensures use of the asset in accordance with terms of the loan agreement.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventor: Chaitanya Tushar AMIN
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Publication number: 20200013054Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.Type: ApplicationFiled: June 29, 2017Publication date: January 9, 2020Inventor: Nilesh UPADHYE
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Publication number: 20200013055Abstract: A system and method are provided which allow blockchain-based identity verification and transaction processing. The system allows individual account holders to conduct cryptocurrency-based transactions while providing identity verification in compliance with know your customer rules as well as potential identity verification to third parties conducting transactions with the account holder. The system includes user-selectable preferences to allow their financial institution to automatically generate a digitally signed depository receipt (DSDR) which is the financial institution's statement as to the amount of bitcoin that is currently credited to the account of the original depositor as of the timestamp of the digitally signed depository receipt. The DSDR may also serve as identity verification of the account holder by linking a public key provided by an account holder with a registered identity established at and vouched for by a financial institution.Type: ApplicationFiled: July 9, 2019Publication date: January 9, 2020Inventor: Richard L. Sandor
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Publication number: 20200013056Abstract: An authentication terminal-based payment method and related apparatus configured for obtaining a terminal identifier of an authentication terminal, sending a first message to a server identifying the authentication terminal, determining a logged-in first account and second account of the authentication terminal based on the terminal identifier of the authentication terminal, verifying the logged-in first account of the user terminal with the logged-in second account, switching the terminal from the logged-in first account to the logged-in second account, and based on a determination that the logged-in first account matches the logged-in second account, completing payment authorization.Type: ApplicationFiled: March 13, 2017Publication date: January 9, 2020Inventors: Xiaona Zhao, Jingqing Mei, Guoqing Li
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Publication number: 20200013057Abstract: The present disclosure relates to a payout processing system (200). The payout processing system (200) comprises a data store (210) to store details of transactions. A processor (420) communicates with the data store (210). The processor (420) receives a request (222) for a payout from a merchant (120) to a customer (110). The request for the payout comprises a customer identifier and a payout value. The processor (420) also identifies, via the details (232) of transactions in the data store (210), previous transactions to the merchant from a customer associated with the customer identifier. The processor (420) selects previous transactions to the merchant (120) from the customer (110) for refund as part of the payout from the merchant (120) to the customer (110) based on the details of transactions to the merchant (120) in the data store (210).Type: ApplicationFiled: March 22, 2018Publication date: January 9, 2020Inventor: Nickolas John Karantzis
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Publication number: 20200013058Abstract: The system to improve protection of financial cards during and prior to use includes a financial company server, a financial card assigned to a customer and the customer's mobile electronic devices. The company server has a software program that handles account monetary requests that come through financial networks. The server communicates with the owner/customer of the card via the mobile electronic devices. An application is supplied by the financial company for the card holder's devices. When a transaction is attempted, the system determines the distance between the attempted card transaction and the card holder's device. Based on the calculated distance compared to a stored limit, a suggestion to deny or accept the transaction is displayed on the device, as well as virtual accept and deny buttons. A map of the transaction and the device may be displayed, to assist the customer in their decision to accept or deny the transaction.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: Wayne L. THORNTON, Timothy A. STIER, Alexander R. LOPEZ
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Publication number: 20200013059Abstract: A computer system is configured to provide a payment card security application programming interface (API) for providing a payment card security score to a partner entity computer system. Responsive to receipt of user identification data for a card holder from the partner entity computer system via the API, the computer system retrieves payment card electronic funds transfer (EFT) transaction data records corresponding to the card holder, and determines a transaction type and security level associated for the user's transactions. The computer system generates, based on the determined security level for each of the transactions, a security score for the card holder. The partner entity computer system provides the user identification data for the card holder to the payment card security API responsive to receipt of an authorization request for a new transaction. The partner entity computer system may determine whether to approve or deny the new payment card EFT transaction based upon the security score.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: Murugalakshmanan MARIAPPAN, Joshua J. BARON, Todd HEALY
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Publication number: 20200013060Abstract: Systems and methods for filtered authorizations for transactions are provided. Information may be stored in memory regarding a plurality of authorization rules, each of which may be specific to one or more transaction parameters. A transaction request sent by a requesting user via a cloud-native application may be received at a remote location. The transaction request may be broken down into one or more transaction segments, each of which may be associated with a respective location. A set of authorization rules may be identified as being applicable to each transaction segment of the received transaction request. The set of authorization rules may be identified based on the requesting user at the remote location, the respective location, and the transaction parameters specified by the set of authorization rules. The results of each transaction segment of the received transaction request may be filtered based on the respective identified set of authorization rules.Type: ApplicationFiled: July 1, 2019Publication date: January 9, 2020Inventor: Nathanael Coffing
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Publication number: 20200013061Abstract: System and methods for performing behavior consistency verification are described. The method may include receiving user behavior data containing user activities performed during electronic transactions. The method may include retrieving expected behavior data corresponding to the user behavior data. The method may include generating a behavior consistency measurement based on the user behavior data and the expected behavior data. The method may further include transmitting the behavior consistency measurement in response to the receiving of the user behavior data. The behavior consistency measurement indicates a degree of consistency between the user behavior data and the expected behavior data.Type: ApplicationFiled: July 3, 2018Publication date: January 9, 2020Inventors: Changjun JIANG, Hongzhong CHEN, Chungang YAN, Zhijun DING, Mimi WANG, Peihai ZHAO
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Publication number: 20200013062Abstract: Services for trust conveyances of entities can be provided and managed. In connection with a transaction between first and second devices, a trust management component (TMC) can indicate trust levels of entities associated with the devices with regard to the transaction and/or an action attempted by an entity. With regard to an action attempted by the first entity, the trust level of the first entity can be evaluated to determine whether it is high enough to allow the action to proceed or to have the second entity respond to the action accordingly. If it is not high enough, the second entity, using the second device, can request a trust conveyance from the first entity via the TMC. The TMC can adjust the respective trust levels based on the outcome(s) of the action(s) of the respective entities with regard to executing the transaction.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: James Pratt, Eric Zavesky, Nigel Bradley, Timothy Innes
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Publication number: 20200013063Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.Type: ApplicationFiled: September 19, 2019Publication date: January 9, 2020Inventors: Manu Kurian, Joseph Castinado
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Publication number: 20200013064Abstract: Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository.Type: ApplicationFiled: August 5, 2019Publication date: January 9, 2020Inventor: Ori Eisen
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Publication number: 20200013065Abstract: A method and an apparatus for identifying a transaction risk are disclosed. The method includes obtaining risk identification information of a sub-network to which a node relating to a transaction to be identified belongs; and identifying a risk of the transaction to be identified based on the risk identification information of the sub-network to which the node relating to the transaction to be identified belongs, wherein the sub-network is a network acquired by partitioning a relationship network based on connectivity, the relationship network is a network built up with entities and activities relating to a plurality of transactions.Type: ApplicationFiled: August 29, 2019Publication date: January 9, 2020Inventors: Fengwei Wang, Huimei He, Renxin Mao, Dijun He
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Publication number: 20200013066Abstract: The system collects the registration status of a credit card in an EC site and organizes and displays the registration status by a credit card. The system receives a credit card to be registered, registers the received credit card in a predetermined EC site, collects the registration status of the plurality of credit cards registered in the plurality of EC sites, the plurality of credit cards being received and registered in the EC sites, and organizes and displays the collected registration status by a credit card.Type: ApplicationFiled: March 31, 2017Publication date: January 9, 2020Inventor: Shunji SUGAYA
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Publication number: 20200013067Abstract: Methods, computer program products, systems are provided for securely performing electronic transactions over a network. An acoustic wave signal is received. The acoustic wave signal is encoded with at least an identifier of a payer of a transaction and transaction information of the transaction. The identifier of the payer and the transaction information is then obtained from the acoustic wave signal. A bone conduction characteristic of the payer is retrieved based on the identifier of the payer and based on the received bone conduction characteristic of the payer, the payer is verified. Completion of the transaction is allowed based on the transaction information in response to the payer being verified.Type: ApplicationFiled: July 9, 2018Publication date: January 9, 2020Inventors: Ting Yin, Dong Chen, Ting Ting BJ Zhan, Xiang Juan Meng, Yin Xia
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Publication number: 20200013068Abstract: A system and method for calculating a journey excellence score (JES) for a customer journey in a contact center, including, during a training phase: representing each of a plurality of tagged customer journeys by a list of attributes and a value associated with each of the attributes, wherein each of the tagged customer journeys is tagged with respect to a dissatisfaction indicator, and training a model using the plurality of tagged customer journeys, based on the associated values and tags, to generate model weights; and at runtime: obtaining the customer journey; representing the customer journey by the list of attributes and a value associated to each of the attributes; and calculating the JES for the customer journey by applying the model weights to the associated values.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Applicant: NICE LTD.Inventors: Adi Pony, Gennadi Lembersky, Roy Klein
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Publication number: 20200013069Abstract: A method and apparatus for light-based data communication for a personal inventory and product support system are described. In one embodiment, the method comprises using a device associated with a user, including capturing visible light carrying data identifying a product, obtaining the data identifying the product from the captured visible light, configuring the device to receive product support content for the product based on the identifying data, the product support content having been curated from a plurality of content servers on behalf of the user, receiving a notification that curated product support content for the product is available, and presenting the curated product support content to the user.Type: ApplicationFiled: June 24, 2019Publication date: January 9, 2020Inventor: Harry Bims
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Publication number: 20200013070Abstract: Client instance data including a plurality of incidents is obtained, each incident including a plurality of fields. A target field and an evaluation field are selected from among the plural fields. The plurality of incidents are grouped into a plurality of clusters based on a degree of a natural language text similarity of respective target fields in the plurality of incidents. A quality value is determined for each of the plurality of clusters based on the degree of the natural language text similarity of respective target fields in grouped incidents of the cluster from among the plurality of incidents, and based on respective evaluation fields. Each of the plurality of clusters is ranked based on the respective quality value of the cluster and a number of the grouped incidents of the cluster. At least one of the ranked plurality of clusters is identified to perform a service management operation.Type: ApplicationFiled: July 16, 2019Publication date: January 9, 2020Inventors: Bruce Walthers, Abhay Kulkarni, Mukund Ramachandran, Darius Koohmarey
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Publication number: 20200013071Abstract: A computer-implemented method and an apparatus for personalizing customer interaction experiences receives an input corresponding to at least one of a business objective and a customer interaction channel. A customer classification framework is selected based on the input. The customer classification framework is associated with a plurality of persona types, where each persona type is associated with a set of behavioral traits. A persona type for a customer is predicted from among the plurality of persona types during an interaction on the customer interaction channel. A propensity of the customer to perform at least one action is predicted based on the persona type. A provisioning of personalized interaction experience to the customer is facilitated based on the predicted propensity of the customer to perform the at least one action.Type: ApplicationFiled: September 16, 2019Publication date: January 9, 2020Inventors: R. Mathangi Sri, Bhupinder Singh
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Method for tracking procedures performed on personal protection equipment and actions of individuals
Publication number: 20200013072Abstract: A method for tracking procedures performed on personal protection equipment (PPE) and actions of individuals includes the following steps. An article of PPE configured with a smart tag is provided to an individual prior to performance of a task. After the individual performs the task, the article of PPE is processed. Information is retrieved from the smart tag during at least one of: before, during and after processing the article of PPE. After the performance of the task, the individual's data is read and the individual enters into a designated area.Type: ApplicationFiled: September 16, 2019Publication date: January 9, 2020Inventors: Luca D. Farioli Brioschi, Luis V. Ramirez Chaidez, Lawrence J. Ptasienski, Mark T. Anderson, Michael E. Hamerly -
Publication number: 20200013073Abstract: Systems and methods allow customers to verify the authenticity or provenance of physical objects before purchasing or obtaining the physical objects. The methods involve scanning a code of or a pattern embedded or incorporated in a physical object in transit or upon creation, transmitting the scanned code and information of the physical object through the Internet, generating or updating a block based on the scanned code and the information, verifying or authenticating the block, and storing the block as an immutable part of a distributed ledger. The code or pattern is a unique identifier of the physical object. The methods may include capturing an image of the physical object (e.g., an identification card, document, or passport) or an object associated with the physical object to be used for secondary verification and generating or updating the block so as to include the obtained image in the block of the blockchain.Type: ApplicationFiled: May 17, 2019Publication date: January 9, 2020Inventor: Konstantinos Bakalis
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Publication number: 20200013074Abstract: A digital marketing system, including a first service for performing a lead generation for attracting potential customers, and a second service for performing a lead nurturing for turning the potential customers into prospective customers, includes an information processing apparatus including circuitry, communicable with the first service and the second service via a network. The circuitry is configured to receive information on a purpose of digital marketing from a user terminal operated by a user, via the network, instruct the first service to create a home page based on the information on the purpose of digital marketing, receive, from the second service, marketing information applicable for marketing, the second service being configured to acquire the marketing information from the home page in response to browsing of the home page, and provide the marketing information to the user terminal.Type: ApplicationFiled: June 25, 2019Publication date: January 9, 2020Applicant: Ricoh Company, Ltd.Inventor: SHUN YOKOTA
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Publication number: 20200013075Abstract: Systems and method herein provide for sophisticated and efficient matching between users of a vehicle data system and data on sales that occur, where that data was obtained from distributed sources across a computer network. In particular, embodiments may obtain data from a variety of data sources across a distributed network and enhance data records by correlating the data obtained from these distributed sources. Data on sales thus obtain can be correlated with data on online users of the vehicle data system using a scoring engine to provide confidence scores to potential user-sale matches.Type: ApplicationFiled: July 2, 2019Publication date: January 9, 2020Inventor: Rudy C. Gilmore
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Publication number: 20200013076Abstract: Video features encourage and ensure that survey videos are viewed in full. The survey answer block and video rewind, forward fast and mute are disabled during the video presentation. With the user's permission, telephone calls, text messaging and browsing may also be disabled during the video. Interactive responses may be required at various points in the video to ensure that the viewer is paying attention. The viewer's image may be recorded or eye gaze may be tracked while viewing the video. Candidates may be qualified for viewing videos and selected in a priority order by meeting certain demographic conditions, having certain topics of interest identified in their social media profiles, agreeing to post-video direct contact, and having participated in prior video surveys. Potential candidates may be qualified by answering qualifying questions, viewing a teaser video, or responding to a prompt asking them to opt-in to the video survey.Type: ApplicationFiled: July 6, 2018Publication date: January 9, 2020Inventors: Keith Rinzler, Ryan Cino, Brian Scully, Ken Icklan
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Publication number: 20200013077Abstract: Customers submit reports to a reporting center. Topic sentences are identified. For each of a plurality of values of k, a separate k-grouping matrix is created from a master matrix by the control circuit. Each k-grouping matrix arranges the topic sentences into k groupings based upon the similarity of words as between different topic sentences. Each of the k-grouping matrices is created at least in part by moving or rearranging some of the rows of the master matrix. The most frequent topic sentences are identified and used to identify an action.Type: ApplicationFiled: June 26, 2019Publication date: January 9, 2020Inventor: Mani Kanteswara Rao Garlapati
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Publication number: 20200013078Abstract: A tire inventory decision support system (100) optimizes tire allocations across a plurality of trade areas for local tire dealers, as well as regional trade areas for tire repositories as regional fulfillment hubs. The system defines trade areas having demographic tire demand characteristics and corresponding to an available inventory population for respective dealers. For each trade area, optimal dealer inventory populations are projected for tire sizes and brands, based in part on the available inventory population for the dealer an actual inventory population for the associated tire repository. The system compares the optimal inventory population for each dealer to actual inventory population, and selectively generates dealer interfaces displaying recommendations for tire inventory modification based on value propositions as disparities between the optimal and actual inventory populations.Type: ApplicationFiled: March 7, 2018Publication date: January 9, 2020Inventors: Kevin Schimmelmann, Andrej Levin, Christopher B. Tavares
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Publication number: 20200013079Abstract: Embodiments herein provide data clustering and user modeling for next-best-action decisions. Specifically, a modeling tool is configured to: receive indicators within unstructured social data from a plurality of users; analyze the unstructured social data of each of the plurality of users to assign a set of feature vectors to each of the plurality of users, each feature vector corresponding to one or more personality characteristics of each of the plurality of users; and analyze the feature vectors to identify two or more users from the plurality of users sharing a set of similar feature vectors. The modeling tool is further configured to: group the two or more users from the plurality of users sharing the set of similar feature vectors to form a cluster; identify attributes of the cluster; and input the attributes of the cluster into a predictive model to determine an offer corresponding to the cluster.Type: ApplicationFiled: September 16, 2019Publication date: January 9, 2020Inventors: Norbert Herman, Daniel T. Lambert
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Publication number: 20200013080Abstract: For distributed incentive management, an origination device creates an incentive record comprising a milestone that specifies a quantifiable portion of a task, a target completion time, an incentive amount for completing the milestone, a status, a recipient record, and an authentication record, the authentication record comprising an authentication address of an authentication device of an authenticator distinct from a recipient of the recipient device, wherein the origination device, the authentication device, and the recipient device are each distinct devices. In response to the incentive record storing both the milestone confirmation confirming the completion of the milestone from the recipient device and the status authenticating the completion of the milestone from the authentication device, the origination device transfers a payment of the incentive amount to a financial account stored in the incentive record.Type: ApplicationFiled: September 19, 2019Publication date: January 9, 2020Inventors: Russell I. Hanson, Ryan Remkes, Michael T. Merrill, Kory Tanner
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Publication number: 20200013081Abstract: A server device determines a first item number by specifying a first object correlated with an item number of items defined in a game and determines a change value by specifying a second object correlated with the change value for changing the first item number. The server device changes the first item number to a second item number on the basis of the determined first item number and the determined change value and gives a reward on the basis of the second item number.Type: ApplicationFiled: September 17, 2019Publication date: January 9, 2020Applicant: GREE, INC.Inventor: Keiya OHASHI
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Publication number: 20200013082Abstract: A computer implemented system and method are disclosed of processing a financial transaction that includes determining an automatic savings amount and rewards amount payments. The system may comprises a checking account, a savings account, an account of a merchant, and one or more computer systems including a communication interface, processor, and memory storing computer-executable instructions. The rewards amount may be calculated based on various techniques.Type: ApplicationFiled: September 16, 2019Publication date: January 9, 2020Inventors: Faith A. Tucker, Portia Sherman Mackinnon
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Publication number: 20200013083Abstract: A method and associated systems for rewarding online users as a function of network topology. An online-reward system receives a network topology and an unweighted base reward schedule that specifies amounts of incentive rewards to be awarded to performing users who perform a solicited desired action and to intermediary users who forward such a solicitation to another user. The system computes a position value for each node as a function of the node's position in the topology and uses those values to weight the base rewards. Each time the network topology changes, this process is repeated to immediately update weightings of nodes affected by the change. When a network user performs a solicited activity, the processor physically transfers rewards to the accounts of the performing and intermediary users, using the weighted values to determine the amount of each reward.Type: ApplicationFiled: September 19, 2019Publication date: January 9, 2020Inventors: Krishnasuri Narayanam, Ramasuri Narayanam, Mukundan Sundararajan
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Publication number: 20200013084Abstract: The present disclosure relates to systems and methods for enhanced advertising, marketing and sales campaigns based upon a customer audience and data associated therewith. In varying embodiments, the system includes a platform configured to access specific audience data, economic data, social data, news data, consumer browsing or on-line activity data, and process the audience data through a data management platform. The system may further comprise an advertising exchange for utilizing consumer data to match consumers with targeted advertisements and determine probability scoring based upon the consumer data.Type: ApplicationFiled: July 3, 2019Publication date: January 9, 2020Inventor: Kenneth Tola
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Publication number: 20200013085Abstract: Disclosed are a service device and a method of operating the same which can analyze state information of a subscriber based on a photographing image and provide an advertisement on the basis of the analyzed state information to the subscriber, thereby providing a targeted advertisement reflecting a real-time state of the subscriber, so as to increase an advertisement effect.Type: ApplicationFiled: July 3, 2019Publication date: January 9, 2020Inventor: Ki Chon KANG
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Publication number: 20200013086Abstract: A data processing system collects messages to create user profiles for users of user devices. The messages are collected from various systems and include data regarding user events on user devices. The user profiles are stored in a targeting database. In response to a request for information corresponding to a user device, a user profile is identified using data from the request and information from the profile is provided to the requester.Type: ApplicationFiled: September 16, 2019Publication date: January 9, 2020Inventors: Wendell Hicken, Joshua Melick