Abstract: Disclosed is an automated system for the unmanned delivery of packages to neighborhoods and addresses. The system is comprised of a loading phase (FIG. 1), a delivery phase (FIG. 2), and a recycle phase (FIG. 3). In the loading phase, a number of order fulfillment centers process orders for products and thereafter deliver the packaged products to an aggregation facility. The packages associated with a particular neighborhood are then loaded into a consolidated delivery container and consolidated delivery container are loaded in neighborhood containers and neighborhood containers are loaded onto a large delivery vehicle. The large transport vehicle transports the packages to a particular neighborhood. Once in the neighborhood, neighborhood containers are placed on a standby vehicle. The standby vehicle transports the neighborhood container to a target address in a target neighborhood. At the target address a consolidated delivery container is removed from the neighborhood container.

Abstract: Provided is an electronic platform using database driven digital computer technology and Internet connectivity. The platform provides logistics control of a crowdsourced transportation system and processes for courier pickups from senders or hubs, transport along calculated routes—with stops at intermediate hubs as necessary, and secure delivery of packages. The technology can include use of augmented reality data input and processing by server loading capacity optimization modules, to determine optimal configuration for loading/carrying parcels; and where hub technology can include means for directing landing, maintenance and takeoff of delivery drones.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, employing a permissioned distributed ledger to capture information regarding shipments and evaluations of the suppliers of these shipments. In one aspect, a method includes receiving transactional data regarding a shipment of goods from the supplier to a client; determining a score value for each of a plurality of key performance indicators (KPIs) based on the transactional data; determining an overall rating for the supplier based on a weighted aggregate of the score values and previously determined score values for previous shipments from the supplier to at least one of a plurality of clients, the previously determined score values stored to a distributed ledger; and persisting a new transaction entry for the transactional data to the distributed ledger; and providing the overall rating to a user interface.

Abstract: An order scheduling method and apparatus, an electronic device, and a computer-readable storage medium are provided. The method includes: determining delivery capacity pressure corresponding to a delivery area within a current scheduling period; predicting, based on historical data, a delivery capacity pressure change trend variable corresponding to the current scheduling period; adjusting the delivery capacity pressure based on the delivery capacity pressure change trend variable; and scheduling, based on the adjusted delivery capacity pressure, a plurality of orders corresponding to the delivery area within the current scheduling period. Since orders within the current scheduling period are scheduled by taking the future delivery capacity pressure change into consideration, the scheduling on a plurality of orders within the current scheduling period can better adapt to a delivery capacity pressure change, which improves the delivery efficiency.

Abstract: A system and method for computable contracts that includes a contract management system accessible by involved parties, managing a formation stage of a contract document by obtaining object components, assembling a contract object graph from the object components, and committing the contract object graph to post formation execution; and in an execution environment during a post-formation stage, executing the contract object graph where instances of execution include receiving a contract state update, and appending at least one update object component to the contract object graph in accordance with the contract state update. Variations of the system and method may apply peer-to-peer negotiation and execution, use a cryptographic directed acyclic contract object graph, and/or interface with distributed ledgers.

Abstract: A method for codeless development of an application includes registering one or more actions in a registry. Each action is coded in a reusable block of code, each action having an action definition including an action type name, an input parameters map, and an output parameters map. The method further includes performing an action type name look up in the registry for an invoked action with an action service ensuring that a number of arguments included in the action definition matches a number of arguments specified by the action type, passing an input to and receiving a return value from the invoked action, updating the output parameters map included in the definition of the invoked action, and returning the updated output parameters map to an application in development for updating processing variables in the application.

Abstract: A method of rendering email includes receiving with a networked computing device at least one filter criterion; receiving with the networked computing device an email message; and, responsive to a determination by the networked computing device that the email message meets the at least one filter criterion, diverting the email message from delivery to an inbox and providing an immediate display of the email message in its entirety to a user.

Abstract: A work request support system includes a receiver that receives, from a requester who requests a person to do work, a request of work with respect to a first person who has previously engaged in a transaction with the requester, an allower that allows the first person to request a second person different from the first person to do work, and storage that stores the second person and the requester in association with each other after the allower allows the request from the first person.

Abstract: A method of managing a plurality of washrooms in a facility for servicing by service personnel and, more particularly, for establishing servicing operations which provide for service of at least selected of the dispensers before their consumable product supply falls below a pre-selected refill value.

Abstract: A vehicle message managing method includes: providing an operation message of a tire through a tire sensor; receiving the operation message through the tire sensor setting tool, or receiving at least one outer message through the tire sensor setting tool; transmitting at least one of the operation message and the outer message to a remote server; storing and analyzing at least one of the operation message and the outer message and generating an analyzing result.

Abstract: Devices, systems and methods are disclosed that detect and interpret the meaning of visual and/or audio indicators of devices, and provide information, solutions to potential malfunctions, and/or automatic ordering of consumable products to users. For example, sequences of visual indicators (such as LEDs) and/or audio indicators (such as speakers that output beeps) generated by home electronics and other devices may be monitored using an image capture component (such as a camera) or audio capture component (such as a microphone), and the sequences may be interpreted to provide users with information of what is wrong with a device, how to fix a device, purchase a new device, offer repair services, etc. The systems and methods may also provide users with notifications relating to such indicators when the user is away from home.

Abstract: A product information preparation system includes a server. The server is configured to acquire image data on a landscape, the image data being correlated with position information, recognize an image of a target product in the image data acquired, identify a position where the target product recognized is installed, based on the position information correlated with the image data, and prepare product information on the target product, the product information containing information on the position where the target product is installed.

Abstract: A method, apparatus, and computer program product for improved account portability are provided. An example method includes receiving, by a computing device, a request for a new account. The method further includes associating a universal account number of a user with the request for the new account, wherein the universal account number uniquely identifies the user, and obtaining one or more account parameters associated with the universal account number of the user by the identification circuity of the computing device. The method includes determining, by compatibility circuity of the computing device, one or more new account parameters associated with the new account, and causing the new account to be opened with the one or more new account parameters.

Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

Abstract: A system comprising: a computing device including a processor and a memory, the memory storing instructions executable by the processor such that the processor is programmed to input information of at least one of a financed project, a purchase, a loan, a patron, a loan amount, a project approver, a contractor, a supplier, an amount of money in escrow and a third-party escrow entity, collect and manage disbursements.

Abstract: A money transfer from a sender to a recipient may result in a cash dispense from an ATM. At least one processor may receive a request for cash to be dispensed by the ATM. The request may identify a recipient of the cash and a sender of the cash. The at least one processor may receive identity verification information for the recipient. The at least one processor may request authorization from a sender device associated with the sender. The requesting may include providing at least a portion of the identity verification information to the sender device. The at least one processor may receive the authorization from the sender device. The at least one processor may cause the cash to be dispensed by the ATM in response to receiving the authorization.

Abstract: A money transfer from a sender to a recipient may result in a cash dispense from an ATM. At least one processor may receive a request for cash to be dispensed by the ATM. The request may identify a recipient of the cash and a sender of the cash. The at least one processor may receive identity verification information for the recipient. The at least one processor may request authorization from a sender device associated with the sender. The requesting may include providing at least a portion of the identity verification information to the sender device. The at least one processor may receive the authorization from the sender device. The at least one processor may cause the cash to be dispensed by the ATM in response to receiving the authorization.

Abstract: A method for exchanging data using a blockchain network includes uploading the data to a plurality of cloud servers and committing the data to the blockchain network. An offer for the data is created on the blockchain network. Payment is received from a data consumer after the offer has been accepted. Smartcontracts are implemented in the blockchain network to verify possession of the data, to settle the offer against the payment and to change an access control list (ACL) such that the data on the cloud servers is accessible by the data consumer.

Abstract: A points of sale (POS) docking station for interchangeably attaching and electronically coupling a mobile tablet gun system to a base form factor. An upper housing assembly is provided with a tablet cradle enclosure having a secondary printed circuit board (PCB1) for interchangeably mounting and electronically communicating with the mobile tablet. A lower housing assembly is rotationally connected to the upper housing assembly and includes a bar code scanner and a primary printed circuit board (PCB2). A secondary display screen is provided that is activated “on” when it is rotated over and parallel to the tablet cradle enclosure and turned “off” when rotated down and perpendicular to the tablet cradle enclosure. The secondary printed circuit board (PCB1) connected to the primary printed circuit board (PCB2) through a custom interface cable operable to facilitate electrical communication between the POS docking station and the mobile tablet gun system without operational delay.

Abstract: A consumer at a POS is able to obtain instant credit from a third party payment provider by providing identification information, such as from a driver's license, through a sales associate at the POS and by providing directly the last four digits of the consumer's social security number (SSN). When the consumer wants to make subsequent purchases through the payment provider, the sales associate need only enter the consumer's last name, zip code, and date of birth for the payment provider to locate and retrieve the consumer's account. The consumer may then enter the last four digits of the consumer's social security number, such as into a PIN pad at the POS, and have the information processed by the payment provider.

Abstract: Systems that can provide financial recording, pre-accounting and accounting requirements of companies, with which accounting declarations can be prepared and notified to the state, and on which an e-commerce website can be uploaded and used for sales.

Abstract: An interrogating and processing system and method is described. A wireless communication device interrogates an information source, having a barcode or tag, and wirelessly transmits data indicative of the information source. The interrogator can be built into or adjunct to the wireless communication device. An automated processing subsystem receives the transmitted data and identifies an item corresponding to the data. A fulfillment subsystem effects delivery of the item to a destination. There can be a coupon code scanning and processing system and method. A wireless computing device having an interrogator reads a coupon code. An automated processing subsystem receives the corresponding data and provides a benefit associated with the coupon. The benefit can be a discount on a product or service. Alternatively, at least a portion of the coupon including a code is displayed on a screen of the computing device for processing at a point of sale terminal.

Abstract: A multi-account payment system includes a memory device and a processor. The processor is programmed to receive a designation of a plurality of account numbers associated with a primary cardholder for control by a multi-account application of the multi-account payment system. The processor is programmed to receive a request from the primary cardholder to create one or more limitations on the use of the plurality of account numbers, and to store the plurality of account numbers and the one or more limitations in the memory device. The processor is further configured to receive a transaction authorization message associated with a transaction by one of the plurality of account numbers, determine whether the transaction violates at least one of the one or more limitations, and decline the transaction if one or more of the limitations are violated.

Abstract: Geo-filtered payment product for use in a rewards or incentive program. A program manager server defines a geo-fence and creates a payment product valid within the defined geo-fence. A payment processing server receives a transaction request from a merchant point-of-sale (POS) device to transact a purchase using the payment product on a participant computing device. The payment processing server determines if the participant computing device is located within the defined geo-fence based on the received transaction request, which includes location information, and sends an authorization message to the merchant POS device via the communication network for approving the transaction request when the participant computing device is determined to be located within the defined geo-fence.

Abstract: A mobile transaction device may present nearby event or location related merchants to a user and allow the user to check in at the event or location. The mobile transaction device may then present merchants who are associated with the event or location to the user. Thus, the user may quickly find relevant merchants with whom the user wishes to conduct mobile transactions. For example, merchants associated with an event, such as merchants in a farmer's market, food trucks along the same street, or the like, may be grouped together into a merchant group associated with an event/location. A name/picture/icon of the event/location may be presented to the user on the mobile transaction app of the user device. Thus, the user may select the event/location to check in at the event or location. The merchants associated with the event or location may be quickly located for transactions.

Abstract: An electronic device is provided. The electronic device includes a housing; a plurality of coils that are disposed on a first layer within the housing; a plurality of other coils disposed on a second layer substantially parallel to the first layer; a first conductor that connects an end point of a first coil of the plurality of coils and a start point of a second coil of the plurality of other coils and conducts a current from the end point of the first coil to the start point of the second coil; and a second conductor that connects a start point of a third coil adjacent to an outer side of the first coil of the plurality of coils and an end point of the second coil and conducts the current to be applied from the end point of the second coil to the start point of the third coil, wherein the first conductor and the second conductor induce a directional magnetic field when the current flows.

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks.

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

Abstract: The invention provides a financial investment application algorithm trading method and system based on a blockchain smart contract, applicable to a blockchain network executing the smart contract, comprising: an user interface program in an investment end, a financial investment application program in a generation end, a financial instrument trading center for trading various generation products, a smart trading gateway managing generation accounts, and a smart contract. The financial investment activities and profit sharing constructed on the invention is automated according to the smart contract, and the trading terms of agreement are immutable, and all the activities are actively collected in the blockchain for viewing, which are traceable, immutable and irreversible, and enable the investment end and the generation end to execute profit sharing according to the smart contract, effectively preventing any respective parties from not executing contract and avoiding the risk of financial fraud.

Abstract: Approaches presented herein provide for the management of viewership data, including contractual terms and transaction history, through immutable distributed ledgers, such as blockchain. Temporary identifiers can be used to store viewership data for a viewer to one of these public, distributed ledgers. A physical device identifier is associated with a media device. An identity manager generates and rotates temporary public identifiers that are mapped to the physical identifier of the device. Viewership data from the device and the related temporary identifiers are stored on the public distributed ledger. The identity manager receives a contract to provide viewership data of media device over a particular period. The identity manager supplies the temporary identifiers of the media device over the period specified.

Abstract: The disclosure relates to executing time bound activity chains using a baseline blockchain that encodes milestones and a realized blockchain that tracks activity relating to the milestones encoded on the baseline blockchain. Each project managed by the system may be scheduled using its own baseline blockchain, which stores time-bounded activity chains that encode milestones for that project. The realized blockchain stores performance related activity that validates and stores information indicating performance of actions related to milestones and automated transfer of value through the use of smart contracts. Each block of the realized blockchain not only references a prior block of the realized blockchain but also a corresponding baseline block, which encodes a milestone, in the baseline blockchain. Thus activity relating to progress toward a milestone may be recorded on a realized block, which refers back to a baseline block that specifies the milestone.

Abstract: A method for conveying a one-time password using blockchain includes: receiving proposed transaction data from a merchant system including payment credentials, receiving account details, and a transaction amount; identifying user account data associated with the payment credentials including an account identifier; identifying a one-time password; transmitting the one-time password and account identifier to a third party system; receiving a data identification value from an external computing device; identifying a blockchain data value included in a blockchain including a password value based on the received data identification value; validating, the identified one-time password based on the password value; and initiating payment of the transaction amount from a first transaction account associated with the payment credentials to a second transaction account associated with the receiving account details upon validation of the identified one-time password.

Abstract: A computer-implemented method comprises: committing a transaction amount t of a transaction with a commitment scheme to obtain a transaction commitment value T, the commitment scheme comprising at least a transaction blinding factor r_t; encrypting a combination of the transaction blinding factor r_t and the transaction amount t with a second public key PK_2_B of a recipient of the transaction, wherein: the recipient is further associated with a first public key PK_1_B as an address for receiving the transaction amount t; and transmitting the transaction commitment value T and the encrypted combination to a recipient node associated with the recipient for the recipient node to verify the transaction.

Abstract: A blockchain-based, decentralized data marketplace is described. The marketplace allows data sellers to sell their data to data buyers in exchange for payments in tokens. The marketplace allows for securely and anonymously selling data in a trusted environment that is also fair to all participants and provides data sellers with the ability to control and monetize their own data (e.g., personal data). A notary with access to “ground truth” data can validate data that is being offered in the marketplace to ensure that it is not falsified or fabricated before it is purchased by a data buyer. The marketplace implements blockchain-based smart contracts that work together, and with cryptographic protocols, to achieve an efficient, decentralized data marketplace where data sellers and data buyers transact directly with one another while remaining anonymous, if desired.

Abstract: The invention relates to a method for automatically receiving and/or transmitting information intended for or relating to a holder of an alphanumeric account identifier, the method including a step of creating an electronic address comprising an identifier, wherein the identifier is obtained or derived from at least a portion of the alphanumeric identifier of the account or associated with an account. The invention also concerns the corresponding electronic system.

Abstract: Embodiments relate to systems and methods for intercepting potentially erroneous electronic transaction data processing tasks. The system includes a memory and processor configured for: receiving a processing task data set including at least one parameter for executing an electronic transaction data processing task; providing, to a multi-class classifier, an input data set with the at least one parameter for executing the electronic transaction data processing task and at least one data feature associated with a user profile to generate a classification probability output for each class in the multi-class classifier; and when none of the classification probability outputs meet a threshold condition, preventing execution of the electronic transaction data processing task.

Abstract: Methods, computer-readable storage media and apparatuses for processing event notifications are disclosed. For example, a processor receives an event notification of an event from a device of a service provider that is providing a service to a user, wherein the network service provider is distinct from the service provider, determines that the service provider and the event are of a type of service provider and a type of event, respectively, that the user has consented to receive the event notification, sends a message in a unified message format to a device of the user, the message comprising the event, receives a response from the device of the user containing an indication of whether the event is an authorized event, and sends the indication of whether the event is an authorized event to the device of the service provider.

Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.

Abstract: Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again.

Abstract: Systems, devices and methods that receive data indicative of a description of a product or service available for purchase from a merchant including software instructions that cause the device to perform steps for determining whether a user of the device is recognized by one or more payment processors as having an existing account with each payment processor, and wherein, when the user is identified as having an account with more than one payment processor, the software instructions cause the device to choose a payment processor from the payment processors with whom the user of the device has an account, and wherein the software instructions cause the device to present a payment processor-specific checkout element that identifies the chosen payment processor and to begin the payment process for the product or service with the chosen payment processor upon a user selection of the payment processor-specific checkout element.

Abstract: An artificial-intelligence based, authorization data processing system and method that use networked electronic computers are provided. Included are one or more smart agent data structures tasked to individually follow past transaction data and behaviors, and to provide its artificial intelligence observations on the magnitude, type, and quality of payment card revenues and business routinely engaged in by the individual, e.g., a cardholder whose transaction request is pending. The computed level of acceptable transaction risk is raised in proportion to the cardholder's business value. As a further expedient, such quality cardholders may never be subject to a “declined transaction” if the requested payment transaction were less than some liberal minimum to meet an appropriate threshold level.

Abstract: Updates to a payment card of the specific card user that will affect subsequent payments to the COF merchants has occurred are detected based on receiving a notification from an issuer processor. In response, payment credentials can be automatically updated with the COF merchants for the specific card user.

Abstract: A payment gateway/processor or system for POS/ATM/Vending Machine/any capable of device, which allows and process transactions using biometric data without use of mobile/cards/wallets by authorized biometric data. Financial institution while issuing accounts (by registering customer using biometric) also assigned virtual biometric account/credit cards and system may process a transaction with captured biometric information only to identify virtual account associated against stored biometric information comply with it. A Payment transaction does not require any physical payment card or any sort of current mode of transaction information. A payment gateway system will authorized the merchant payment from customer's account using stored biometric data while issued/registered from issuer financial institution. If it conflict against the stored biometric information, it may decline the transaction.

Abstract: The invention systems and methods for managing the issuance or authorization of identifier labels by a third-party certifier for use in distinguishing and/or tracking a product within a supply chain.

Abstract: Threats may be determined for events in isolation, however, many threats are not identified and/or realized without the occurrence of two or more events. The invention allows for identifying, prioritizing, and remitting the threats that may occur as a result of the combination of events. The invention utilizes the creation of a threat framework, which is populated with events that are defined by event characteristics using an N-tuple. Each event may have an event threat magnitude, as well as an event threat vector that illustrates the severity and likelihood of the event threat and the alignment of the threat event with related threats, and which can be used to determine an event threat assessment for the combination of events. The one or more threat frameworks may be represented by plotting the events in a dimensional Cartesian space illustrating the event threat magnitude and event threat vector.

Abstract: A digital pricing display includes a digital display unit having in interoperable communication a central processing unit, a display screen, a memory, a communication module having an antenna associated therewith, and an instruction set hosted on the memory and executable by the central processing unit, the instruction set operational to receive pricing and product information for a product and to display the product pricing and product information on the display screen. A elongate strip is attached to and extends downwardly from the digital display unit. The elongate strip has a plurality of hooks substantially in vertical alignment formed therealong, the purpose of each hook is for receiving thereon a product package corresponding to the product pricing and product information displayed by the digital display unit.

Abstract: An online social networking system for conducting commerce utilizes a grid environment, a widget architecture including a widget operating system, and semantic integration technologies to provide personalized bundling of products and services tied to an individual's life, emergent marketplaces that support collaboratively-based product and service development, merchandising, and recommendations, emergent user experiences, emergent gaming, emergent behavior predictions, collaborative discover, i.e., social searching, and content and/or people voyeurism. These features are achieved through the use of various techniques including emergent programming, emergent widget processing, emergent computations, emergent applications, widget composition, data integration and exchange, complex system management, security graphs, trust/reputation management, intersecting graphs, database sharding, use of fractal graphs (which may be thinned and expanded), and content mashups.

Abstract: A reporting server may access a first data set that indicates an association between one or more device identifiers and one or more content identifiers and a second data set that indicates an association between the one or more device identifiers and one or more user identifiers. The reporting server may determine, based on the first data set and the second data set, that at least one user associated with a user identifier of the second data set has accessed content associated with a plurality of the content identifiers of the first data set, and may generate a report that represents, for each content identifier, a number of unique user identifiers associated with the content identifier.

Abstract: Technologies are generally described for methods and systems effective to generate an alert through sentiment analysis. In some examples, a device may receive initial image data, where the initial image data may be associated with an initial image. The device may further detect sentiment values in the initial image data, where the sentiment values may correspond to two or more locations in the initial image. The device may further compare respective sentiment values with an sentiment threshold in order to identify region data in the initial image data that satisfies the sentiment threshold. The device may further generate the alert based on the identification of the first region data.

Abstract: Real-time busyness information is for a public place is computed in a privacy-sensitive way, and provided for display in relation to historical busyness information. An aggregate amount of real-time location information available for a particular public place is measured (410), and used to determine (420) whether the public place is privacy-qualified. If the public place is privacy-qualified, real-time busyness information is computed (440) for the public place based on the real-time location information. Further, it is determined (450) whether the computed real-time busyness information is accuracy-qualified, based on a comparison of the real-time busyness information to historical busyness information. If both qualifications are met, the real-time busyness information is output (470) for display or to another application.