Patents Issued in April 9, 2020
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Publication number: 20200111036Abstract: A system, method and device for dynamic workspace resource allocation and management is provided. The system allows users to identify their needs in terms of location, resources and environment of a workspace and identify potentially appropriate workspaces that they can rent. When the user selects a workspace the system can a provision resources such as Wi-Fi, networking and physical access at the site to meet the customer's needs and to automatically revert to the previous configuration or different configuration upon expiration of the rental contract. The provisioning of resources may be a temporary network or virtual network limiting access of the renter to the overall network.Type: ApplicationFiled: October 4, 2019Publication date: April 9, 2020Inventor: Jack Gulas
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Publication number: 20200111037Abstract: Described are a system, method, and computer program product for evaluating location-based risk associated with a remote transaction request. The method includes receiving, from a service provider system, a transaction request for a transaction between a user and the service provider system for a requested service, the transaction request identifying at least a location for the requested service. The method also includes generating a risk score for the transaction based at least partially on the transaction request, the location for the requested service, and historical transaction data. The method further includes communicating the risk score for the transaction to the service provider system. Communicating the risk score to the service provider system causes the service provider system to take at least one action based at least partially on the risk score for the transaction.Type: ApplicationFiled: October 3, 2018Publication date: April 9, 2020Inventor: Papak Mondal
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Publication number: 20200111038Abstract: Methods, systems, and computer program products for identifying and evaluating risk alerts are provided. Aspects include receiving risk alert data comprising risk alerts from data sources, obtaining, by the processor, client geographical data comprising one or more locations of interest, wherein the one or more locations of interest comprise infrastructure resource for the client, determining one or more trusted data sources that are most relevant to define an impact of one or more risk events from the risk alert data affecting one or more locations of interest for the client based on the risk alert data and the client geographical data, determining impactful risk events that affect locations of interest for the client based on trusted risk alert data from the trusted data sources and the client geographical data, and displaying the trusted data sources, the one or more impactful risk events, and the one or more locations.Type: ApplicationFiled: October 8, 2018Publication date: April 9, 2020Inventors: Thomas Ward, Rahul Nahar, Chanchal Saha, Kanayo Okonji, Bhanwar Gupta
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Publication number: 20200111039Abstract: Systems and methods calculate consequence of failure values for pipe segments in a network. The calculation can be based on an estimated repair cost, a monetary value associated with the loss of service to customers and also a monetary value associated with the interruption of transportation such as traffic interruption. The calculation can also take into account a pipe segments proximity to a critical facility.Type: ApplicationFiled: October 9, 2019Publication date: April 9, 2020Applicant: FractaInventors: Daichi Yoshikawa, Yongyang Wang, Matti Salomon Kakkori, Joel Michael Weingarten
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Publication number: 20200111040Abstract: A distributed ledger node of an organization management support system includes a request unit configured to request a determination on participation to a business network from a node of another organization on a distributed ledger system when receiving a request for new participation to a business network from a node of a specific organization, and a management unit configured to collect a determination result of at least the node of the other organization, finally determine the participation on the basis of the collected result, and reply to the node of the specific organization with a result of the final determination.Type: ApplicationFiled: September 12, 2019Publication date: April 9, 2020Applicant: Hitachi, Ltd.Inventors: Takayuki Nagai, Hironori Emaru, Junji Kinoshita, Tatsuya Sato
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Publication number: 20200111041Abstract: Systems and methods for generating workflows are provided herein. A request for a workflow is received from a user. The request includes workflow identification information. Based on the received request, a database that includes a plurality of workflows is accessed and the identification information from the received request is compared to identification information from the plurality of workflows. Based on the comparing, one or more of the plurality of workflows is selected. The requested workflow is generated from at least a portion of the one or more of the plurality of workflows and provided to the user.Type: ApplicationFiled: October 5, 2018Publication date: April 9, 2020Inventors: Reuben I. Levine, Shing Chung
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Publication number: 20200111042Abstract: Techniques to enhance employee performance using machine learning are described. In some embodiments, these techniques are directed to rendering recommendations to employee reviews by processing, via an input device, an employee review between a manager and an employee, the employee review comprising employee-related remarks by the manager, using the machine learning model to identify at least one employee-related remark of the employee review to have a negative impact on employee performance, the negative impact being attributed to a reviewer type of the manager or a personality type of the employee, and displaying, on an output device, an annotated employee review wherein the annotated employee review comprises the employee review and data indicating that the at least one employee-related remark is likely to result in the negative impact. Other embodiments are described and claimed.Type: ApplicationFiled: October 4, 2018Publication date: April 9, 2020Applicant: Capital One Services, LLCInventors: Vincent PHAM, Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD, Kenneth TAYLOR, Anh TRUONG, Kate KEY
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Publication number: 20200111043Abstract: A personalized planning system is disclosed. The personalized planning system has a personalized planning module, comprising computer-executable code stored in non-volatile memory, a processor, and a user interface. The personalized planning module, the processor, and the user interface are configured to prompt a user to provide input data that includes biographical information and at least one user goal, use artificial intelligence to analyze the input data, and provide output data via the user interface based on using artificial intelligence to analyze the input data. The output data includes a user-specific customized plan. The user-specific customized plan includes a plurality of tasks. Completion of the plurality of tasks by a user results in completion of the at least one user goal.Type: ApplicationFiled: October 4, 2018Publication date: April 9, 2020Inventor: Milan Cheeks
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Publication number: 20200111044Abstract: A system comprising at least one database and a machine learning computing system to generate optimized learning modules with a track cycle; wherein a track cycle comprises at least one nano learning module, at least one micro learning module, and at least one macro learning module; wherein a track cycle further comprises at least one assessment corresponding to the at least one nano learning module, the at least one micro learning module, or the at least one macro learning module; wherein upon the completion of an assessment, said database is updated to confirm that a learning module, made up of the combination of the at least one nano learning module, at least one micro learning module, and the at least one macro learning module is completed; wherein the machine learning computing system identifies an optimized next track cycle to optimize the next learning module; wherein the machine learning comprises collecting data from at least one user comprising the user's skills and data, and generating optimized ouType: ApplicationFiled: October 7, 2019Publication date: April 9, 2020Inventors: John R. New, JR., Patrick J. Murphy, Steven L. Parker, Joseph L. Narke, Robert J. Cirino
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Publication number: 20200111045Abstract: A method is presented for organizing and carrying out a training program, a seminar or a workshop having a plurality of participants to assist each participant in improving an efficiency and function of a business organization to which that participant belongs. The method exposes the participants to structures and regulations utilized for maintaining proper function of a deployed submarine having a plurality of crew members. Each crew member is subjected to a check-in procedure and required to assume ownership of a role. Each crew member must qualify to perform a function associated with the assumed role and each crew member has an assigned ombudsman. The training procedure then equates members of the business organization to which a participant belongs to those crew members. The invention has the advantage of improving performance elements dependent on factors which are of evident importance in a submarine environment but whose central relevance normally remains unnoticed in a normal business organization.Type: ApplicationFiled: October 8, 2018Publication date: April 9, 2020Inventors: Deborah Cake Fortin, John Gregory Vincent
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Publication number: 20200111046Abstract: One or more identifiers associated with one or more topics that are scheduled to be addressed within an event are identified. A first time duration allocated for addressing a first topic of the one or more topics is identified. The event is monitored to determine whether the first topic has been addressed outside of a threshold of the first time duration. A second time associated with the event is modified based at least in part on the determining that the first topic has been addressed outside of the threshold.Type: ApplicationFiled: October 8, 2018Publication date: April 9, 2020Inventors: Michael Ball-Marian, Richard Michael Lansky
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Publication number: 20200111047Abstract: A system and method for use in managing and preparing for scheduled procedures that are characterized as being interdependent and variable. The disclosed method enables schedule risk management and provides a look-ahead capability along with process diagnostics to isolate specific assets and tasks that can be managed to reduce schedule risk. The method facilitates review of upcoming tasks by the process stakeholders for education as to where the schedule risks reside and in an emulation mode for review and improved scheduling going forward. Clinical workflow is integrated such that process stakeholders and assets are directed in such a way as to keep on, reduce delay risk or recover the schedule.Type: ApplicationFiled: December 9, 2019Publication date: April 9, 2020Inventors: Christopher D. Johnson, Kunter Seref Akbay, Onur Ilkin Dulgeroglu
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Publication number: 20200111048Abstract: A system and method of sourcing materials by connecting or matching Sellers having present or expected inventory with Buyers having present or expected necessity while minimizing or eliminating the use of a third party intermediary are disclosed. In some implementations, a method of sourcing materials may generally comprise receiving bid information from a candidate Seller and demand data from a candidate Buyer, comparing the bid information and the demand data to match a portion of the candidate Seller's inventory to the candidate Buyer's need (to identify a transaction), allocating and routing the portion of the inventory to the candidate Buyer via a transportation carrier, and augmenting the historical data with information associated with the transaction.Type: ApplicationFiled: October 7, 2019Publication date: April 9, 2020Inventors: Jayesh Jose, Shahnawaz Kadavil
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Publication number: 20200111049Abstract: A method for operating a data processing system to discover the attributes of instruments in a set of instruments connected thereto is disclosed. The method causes the data processing system to determine all instruments in the set of instruments connected thereto by sending a first query on each communication link connected to the data processing system. The data processing system receives a response that identifies one of the instruments and a model identification code for that instrument. The data processing system retrieves model configuration information from an instrument catalog database attached to the data processing system based on the manufacturer's catalog information. The model configuration information includes an option that is available on the one of the instruments having the manufacturer's catalog information and a query that will cause that instrument to provide information on whether that option is installed on the one of the instruments.Type: ApplicationFiled: October 15, 2019Publication date: April 9, 2020Applicant: Keysight Technologies, Inc.Inventors: Graham S. Pollock, Stanley T. Jefferson, Daniel L. Peasant
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Publication number: 20200111050Abstract: A system includes a processor configured to receive a request for a delivery of a package to a vehicle. The processor is also configured to determine a vehicle location for request-fulfillment. The processor is further configured to determine an ingress to the vehicle, based on received package dimensions. Also, the processor is configured to schedule the delivery, responsive to the request. The processor is additionally configured to detect an arrival of the delivery and provide vehicle access via the ingress, responsive to verifying the delivery.Type: ApplicationFiled: October 4, 2018Publication date: April 9, 2020Inventors: Tai LUU, Doug Vi LUU
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Publication number: 20200111051Abstract: An order assignment method and apparatus, an electronic device, and a computer-readable storage medium are provided. The method includes: determining a first delivery person corresponding to an order; estimating a delivery efficiency indicator corresponding to delivery performed by the first delivery person for the order; determining that the order is a recallable order if the delivery efficiency indicator is higher than a corresponding preset delivery efficiency indicator threshold, and associating the order with a recallable attribute, and assigning the order to the first delivery person. The first delivery person can conveniently perform a recall operation on the order based on the recallable attribute. Moreover, by first determining whether an order is a recallable order based on the delivery efficiency indicator, the validity of the recall of the order may be ensured.Type: ApplicationFiled: November 22, 2019Publication date: April 9, 2020Inventors: Ke XIAN, Dairui CUI, Mingquan XU, Shaojian HUANG, Jinqing CHEN, Qiuyuan YANG, Jiajia RAO
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Publication number: 20200111052Abstract: Systems, methods, and apparatus are disclosed that provide a pickup process for items purchased from a store. In some embodiments, a mobile computing device of a customer may determine whether the mobile computing device and therefore the customer are in a pickup zone for a store. In response to determining that the mobile computing device is in the pickup zone, the mobile computing device may notify the customer and request whether the customer wishes to initiate pickup of purchased items from the store. The mobile computing device may notify a merchandise pickup system of the customer's desire to pickup the purchased items.Type: ApplicationFiled: October 16, 2019Publication date: April 9, 2020Inventors: Varun Reddy Agasti, Leena Munjal
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Publication number: 20200111053Abstract: One variation of a method for tracking fresh produce in a store includes: accessing a first hyper-spectral image, of a produce display in a store, recorded at a first time; extracting a first spectral profile from a first region of the first hyper-spectral image depicting a first set of produce units in the produce display; identifying a first varietal of the first set of produce units; characterizing qualities (e.g., ripeness, bruising, spoilage) of the first set of produce units in the produce display based on the first spectral profile; and, in response to qualities of the first set of produce units in the produce display deviating from a target quality range assigned to the first varietal, generating a prompt to audit the first set of produce units in the produce display.Type: ApplicationFiled: October 7, 2019Publication date: April 9, 2020Inventors: Bradley Bogolea, Durgesh Tiwari, Jariullah Safi
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Publication number: 20200111054Abstract: Techniques for automated auditing claims are presented. A policy processor component can determine conditions and constraints relating to claim validity, based on a result of an analysis of policy data of a set of policies associated with a service identity and relating to services and procedures, to facilitate generation of probabilistic logic data relating to the conditions and constraints relating to the claim validity. The policy processor component can encode the conditions and the constraints to generate the probabilistic logic data, and store the probabilistic logic data and information relating to the conditions and constraints in a knowledge database component. A claim management component can determine a validity status of a claim and a probability that the validity status is correct based on evaluation of the probabilistic logic data and claim data relating to the claim. The validity status can be valid or invalid.Type: ApplicationFiled: October 3, 2018Publication date: April 9, 2020Inventors: Radu Marinescu, Akihiro Kishimoto, Spyros Kotoulas, Vanessa Lopez Garcia
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Publication number: 20200111055Abstract: A method of developing an incubator program includes establishing an accelerator organization having tier 1 members and tier 2 members. A suite of EDA tools is licensed or purchased by the organization. The tier 1 members are charged a first fee. The tier 2 members are charged a second smaller fee. The tier 2 members obtain full access to the EDA tools. Tier 2 intellectual property rights are developed through the use of the EDA tools by the tier 2 members. The tier 1 members are provided a first right to offer to acquire or license the tier 2 intellectual property rights from the tier 2 members for a predetermined period of time. The tier 2 members are required not offer to assign or license tier 2 intellectual property to anyone other than a tier 1 member prior to a tier 1 member's exercise of its first right to offer.Type: ApplicationFiled: October 4, 2019Publication date: April 9, 2020Applicant: DUNHILL TECHNOLOGY PARTNERS, LLCInventors: Timothy F. DUNN, LaMar A. HILL
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Publication number: 20200111056Abstract: Various systems and methods are provided that allow reviewers to properly and timely label communications and easily view such communications. Certain systems and methods organize one or more communications in a tile layout so that reviewers can properly and timely label communications. A reviewer can hover over any of the communications to view more details regarding the communication and/or label the communication. For example, while the cursor is placed over the displayed communication, the reviewer can provide a command, such as a key command. Once the command is provided, the displayed communication is labeled with a label associated with the command.Type: ApplicationFiled: December 6, 2019Publication date: April 9, 2020Inventors: Brian Lee, Joshua Goldenberg, Drew Wolpert, Dan Cervelli, Brit Yonge, Carl Freeland, Tie Zhong, Gregory Martin
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Publication number: 20200111057Abstract: A temporary job locator and matcher application system enables trained and skilled dental professionals to locate temporary positions made available by employers through a portal. The location or other aspects of the temporary positions are used to match potential employees with these temporary positions. Rapid response and local availability play a major role in preventing disruptions in the dental or other industries.Type: ApplicationFiled: November 2, 2018Publication date: April 9, 2020Inventor: Sarah C. Penland
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Publication number: 20200111058Abstract: A system for providing a geographically based scheduling system includes a central processing system for receiving scheduling data from one or more service providers. The scheduling data includes an address where a service will be provided, a date of the scheduled service, and a geographic boundary area associated with the address. The central processing system interacts with a remote device to provide a list of available service providers to the remote device if a user's known geographic location is within the boundary area of the address where the service will be provided on the scheduled date of service. If a service provider is displayed to the remote device, the user is given the option to send a service request to the service provider for the date when the service provider will be at the address for the schedule service.Type: ApplicationFiled: October 8, 2018Publication date: April 9, 2020Inventor: Jacob D. Blakeley
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Publication number: 20200111059Abstract: A method including receiving, by a client terminal, an instruction for generating a reminding message for an event type; determining, by the client terminal, a to-be-reminded object and event description information corresponding to the event type; and sending, by the client terminal, a reminding message to the to-be-reminded object, the reminding message containing the event description information. The technical solution of the present disclosure quickly implements event reminding.Type: ApplicationFiled: December 5, 2019Publication date: April 9, 2020Inventors: Boyu Yang, Ming Zhang, Feng BAO, Jiarui Shi
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Publication number: 20200111060Abstract: A task reminder method including: receiving, by a client terminal, a task reminder message generation instruction related to a meeting reminder message; determining, by the client terminal, a reminded object and task description information; and sending, by the client terminal, a task reminder message comprising the task description information and related to the meeting reminder message to the reminded object. By using the technical solution of the present disclosure, an association is established between a meeting reminder message and a task reminder message, so that a user quickly views related information of an associated meeting in the process of processing a task, which is conducive to improving the task processing efficiency.Type: ApplicationFiled: December 5, 2019Publication date: April 9, 2020Inventors: Boyu Yang, Ming Zhang, Feng BAO, Jiarui Shi
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Publication number: 20200111061Abstract: A method includes accessing a plurality of input images of a vehicle and categorizing each of the plurality of images into one of a plurality of categories. The method also includes determining one or more parts of the vehicle in each categorized image, determining a side of the vehicle in each categorized image, and determining a first list of damaged parts of the vehicle. The method also includes determining, using the categorized images, an identification of the vehicle; determining, using the plurality of input images, a second list of damaged parts of the vehicle; and aggregating, using one or more rules, the first and second lists of damaged parts of the vehicle in order to generate an aggregated list of damaged parts of the vehicle. The method also includes displaying a repair cost estimation for the vehicle.Type: ApplicationFiled: October 2, 2019Publication date: April 9, 2020Inventors: Pascal Stucki, Nima Nafisi, Pascal De Buren, Maurice Gonzenbach
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Publication number: 20200111062Abstract: Systems and methods for automated or computer assisted planning of pipe replacement projects includes searching a database of pipe segments each having assigned or calculated failure risk parameters. The searching algorithm looks for connected pipe segments falling within a customer's specified project size and identifies potential projects having a relatively high combined high failure risk.Type: ApplicationFiled: October 9, 2019Publication date: April 9, 2020Applicant: FractaInventors: Daichi YOSHIKAWA, Takashi KATO, Yongyang WANG, Tomohiro KAWAJI, Joel Michael WEINGARTEN
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Publication number: 20200111063Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. Enrollment information is received from a payor, and a secure portal is provided to authenticate electronic payment instructions from the payor. When instructions for a payment are received via the portal, risk for the payment is assessed. If funding for the payment is positively assessed, the present subject matter composites a front and back image of the check and performs an endorsement of the check. Electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. Select data on the check image pairs is anonymized, and an electronic deposit is performed in the amount of the payment to at least one payee.Type: ApplicationFiled: October 4, 2019Publication date: April 9, 2020Inventors: Christopher Wade Clausen, Kurt Andrew Mangold
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Publication number: 20200111064Abstract: It is possible for a cryptocurrency company to issue an initial amount of tokens (such as 40 million tokens). Then there will be a second amount of tokens in reserve (such as 60 million tokens in reserve). The cryptocurrency company will issue the remaining 60 million tokens only per some formula, based on performance metrics being met.Type: ApplicationFiled: April 15, 2019Publication date: April 9, 2020Inventors: ERICH LAWSON SPANGENBERG, DANIEL LAWRENCE BORK, PASCAL ASSELOT, BRIAN JOSHUA BERMAN
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Publication number: 20200111065Abstract: Transaction-enabled systems and methods for transaction execution with licensing smart wrappers are disclosed. An example system may include a smart contract wrapper configured to access a distributed ledger comprising a plurality of IP licensing terms for a plurality of IP assets comprising an aggregate stack of IP. The smart contract wrapper may be further configured to interpret an IP description value and an IP addition request and, in response to the request and IP description value, to add an IP asset to the aggregate stack of IP. A transaction execution circuit provides a transaction implementation command in response to at least one of a transaction geographic value or a transaction jurisdiction value.Type: ApplicationFiled: November 22, 2019Publication date: April 9, 2020Inventor: Charles Howard Cella
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Publication number: 20200111066Abstract: In one aspect, a server for approximating a geographic origin of a cryptocurrency transaction in a peer-to-peer (P2P) mesh network of cryptocurrency nodes employing a gossip protocol comprises: a network interface controller for communicating with a plurality of geographically distributed cryptocurrency nodes forming part of the P2P mesh network; and a processor, in communication with the network interface controller, operable to: receive, from each of the geographically distributed cryptocurrency nodes: a timestamp representing a time at which an earliest indication of the transaction was received at the cryptocurrency node; and a unique identifier of a peer of the cryptocurrency node, forming part of the P2P mesh network, from which the earliest indication of the transaction was received; based on the timestamps received from the geographically distributed cryptocurrency nodes, identify one of the peers as a most likely originator of the transaction; and map the unique identifier to a geographic area.Type: ApplicationFiled: April 30, 2018Publication date: April 9, 2020Applicant: Blockchain Technology Group Inc. DBA Blockchain Intelligence GroupInventors: Marty Robert Anstey, Wojciech Szmigielski, Shone Anstey
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Publication number: 20200111067Abstract: A computer-implemented method, computer program product and computing system for obtaining distributed ledgering data that defines a plurality of transactions; processing the distributed ledgering data to identify a plurality of unique identifiers within the distributed ledgering data; and associating two or more unique identifiers included within the plurality of unique identifiers with discrete transactions included within the plurality of transactions to generate transfer data.Type: ApplicationFiled: October 7, 2019Publication date: April 9, 2020Inventors: JOSHUA A. STRICKON, Josias N. Dewey
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Publication number: 20200111068Abstract: A method for registering title to a precious stone to provide verified ownership information of the precious stone, comprising: a) performing at least one of associating or updating information, including ownership information, with respect to the precious stone on a distributed ledger; and, b) recording the associated and/or updated information on at least one medium, wherein the precious stone has been previously tagged or marked with an identification and that identification has been registered on the distributed ledger.Type: ApplicationFiled: December 5, 2019Publication date: April 9, 2020Inventor: Bruno Scarselli
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Publication number: 20200111069Abstract: A device, method and system are disclosed for providing a creative within a third-party content slot without navigating a user away from a third-party content document in which the creative was provided for a consumption of a media item associated with the creative. As a result of at least a request for a user device to display the third-party content document, the creative is provided to the user device, the creative being displayable within the third-party content slot, and the creative including a first interface, the first interface associated with an actionable object. As a result of at least a user action taken on the actionable object to consume the media item associated with the creative, a second interface is provided to the user device for consuming the media item without navigating the user away from the third-party content document.Type: ApplicationFiled: October 3, 2018Publication date: April 9, 2020Inventor: Gurbaksh Singh CHAHAL
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Publication number: 20200111070Abstract: A system featuring a network of processors, including a control processor which tracks data transfers between the processors, distinguishes between unique and repeat data transfers, and orders the processors according to the quality and quantity of those unique and repeat data transfers, with repeat data transfers being prioritized over unique data transfers.Type: ApplicationFiled: October 5, 2018Publication date: April 9, 2020Inventor: Gibran Ali Malik
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Publication number: 20200111071Abstract: A virtual currency method and a system comprises a virtual currency controller in communication with a real bank account comprising real currency and with one or more merchant controllers under the authority of respective merchants providing products and/or services for sale to users. The virtual currency controller comprises a virtual bank comprising a first amount of virtual currency units and virtual user bank accounts assigned to users and a second amount of virtual currency units separately allotted into respective ones of user's virtual bank accounts, wherein an exchange rate of the virtual currency units is determined based on the value of real currency in the real bank account, the total of the first amount of virtual currency units and the total of the second amount of virtual currency units. Users are provided to exchange virtual currency units for real currency in the real bank account based on the exchange rate.Type: ApplicationFiled: June 27, 2018Publication date: April 9, 2020Inventors: Joseph MORENA, Cono FUSCO, Vince MORENA
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Publication number: 20200111072Abstract: Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk. A kiosk agent on the kiosk directly or indirectly causes a link to be sent to a mobile device of the user. The link when activated on the mobile device providing an interface for transacting with the kiosk from the mobile device.Type: ApplicationFiled: December 5, 2019Publication date: April 9, 2020Inventors: Venkataramana Ans, Marreddy Thumma
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Publication number: 20200111073Abstract: Casino monetary systems and methods of processing casino monetary transactions are configured to read or scan an ID of a customer associated with a monetary value transaction, to transmit that ID information to a remote authentication vendor for authentication, to then use that authentication information as part of a transaction approval process and to create a transaction record, such as relative to an anti-money laundering (AML) system.Type: ApplicationFiled: October 2, 2019Publication date: April 9, 2020Inventors: Adam Fong, Suresh Narayanan, Marc Gurney, Vinothkumar Subramanian
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Publication number: 20200111074Abstract: A fueling station transaction system, method and retrofitting method, the system having a fuel pump dispensing fuel to individual customers; a forecourt controller; a terminal disposed within the fuel pump, the terminal comprising a processing unit, a secure card reader, an encryption module and a wireless communication module; the terminal being in wireless communication with a payment processor; one or more point of sale systems which communicate with the forecourt controller using established protocols; and a gateway device, wherein the terminal communicates wirelessly with the gateway device, and wherein the terminal and the forecourt controller communicate with each other only through the gateway device, and wherein the gateway device communicates with the forecourt controller using the established protocols of the point of sale systems. Also disclosed is a method of performing the payment transaction, and for retrofitting current fuel station systems to incorporate the system disclosed herein.Type: ApplicationFiled: October 2, 2019Publication date: April 9, 2020Inventor: Wunchun Chau
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Publication number: 20200111075Abstract: A computer-implemented method for combining a plurality of separate orders into a single transaction includes: receiving a request from a first user device identifying a plurality of users; in response to receiving the request, generating a unique identifier for each user of the plurality of users; receiving a plurality of order requests within a time period from a plurality of computing devices associated with at least a subset of users of the plurality of users, each order request of the plurality of order requests identifying the unique identifier for a respective user; determining that the time period has expired; and in response to determining that the time period has expired, generating an authorization request for a total transaction value of the plurality of order requests. A system and computer program product for combining a plurality of separate orders into a single transaction is also disclosed.Type: ApplicationFiled: October 5, 2018Publication date: April 9, 2020Inventor: Ankush Singhal
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Publication number: 20200111076Abstract: Various embodiments of the present disclosure are directed to providing authorized redemption of a redemption code and, specifically to an apparatus for receiving, from a fulfillment entity, an authorization request indicative of a redemption request received at the fulfillment entity requesting authorization to redeem the redemption code and in response to the authorization request, providing a network address to a redeeming device. The apparatus is further configured to receive, from a network device associated with a mobile carrier, at least one identification parameter associated with the redeeming device upon the redeeming device accessing the network address and determine whether the at least one identification parameter associated with the redeeming device satisfies the at least one qualification requirement. In an instance the identification parameter satisfies the qualification requirement, prompting the fulfillment entity to allow redemption of the redemption code.Type: ApplicationFiled: October 7, 2019Publication date: April 9, 2020Inventors: Wendell Brown, Mark Klein
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SYSTEM AND METHOD OF FACILITATING CASH TRANSACTIONS AT AN ATM SYSTEM WITHOUT A ATM CARD USING MOBILE
Publication number: 20200111077Abstract: A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present.Type: ApplicationFiled: December 2, 2019Publication date: April 9, 2020Inventors: AKSHAT GUPTA, RICARDO PAREJA -
Publication number: 20200111078Abstract: A method, apparatus and computer program, the method comprising: selecting a transaction entity for a mobile entity wherein a digital attribute account is associated with the mobile entity; and assigning one or more items of digital attributes from the digital attribute account associated with the mobile entity to the selected transaction entity such that the assigned items can only be used for transactions between the mobile entity and the selected transaction entity.Type: ApplicationFiled: June 14, 2018Publication date: April 9, 2020Inventors: Troels ROENNOW, Karina PALYUTINA, Enrique MARTIN-LOPEZ, Hongwei LI, David BITAULD
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Publication number: 20200111079Abstract: A Near Field Communication (NFC) system, method, and computer program product are provided for interacting with a customer device enabled with a NFC scanning capability. The NFC system includes a checkout price tag initiating a purchase transaction for a product associated with the checkout price tag responsive to a scanning of the checkout price tag. The checkout price tag has a customer device scannable NFC physical tag encoded with a unique identifier, a product price, and a description of the product.Type: ApplicationFiled: November 21, 2018Publication date: April 9, 2020Inventor: Chi Huynh
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Publication number: 20200111080Abstract: The Security Secret Interface and Token Wrap Structure Apparatuses, Methods and Systems (“SSITWS”) transforms cryptographic assets, cryptographic asset addresses, user names, workflow names, workflow conditions, workflow access privileges, wallet conditions, wallet access privileges, transaction signing request inputs via SSITWS components into HSM partition, cryptographic shards, workflow access privileges, wallet access privileges, transaction signing response outputs. A workflow creation request datastructure associated with a cryptographic wallet datastructure is obtained. A selection of rules for accessing cryptographic assets associated with the cryptographic wallet datastructure, a selection of a minimum number of approval signatures, and a selection of signing groups are obtained. A set of asymmetric keys associated with the signing groups is generated. Access to an HSM partition associated with the cryptographic wallet datastructure is configured using the generated set of asymmetric keys.Type: ApplicationFiled: October 8, 2019Publication date: April 9, 2020Inventors: Christopher Scott Metcalfe, Robert William Rutherford, Daniel Kenneth Hoffmann
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Publication number: 20200111081Abstract: Provided are systems and methods for generating a child token for a digital wallet. In one example, the method may include receiving a request to generate an additional token from a mobile device, identifying a parent token previously issued to the mobile device and comprising a non-sensitive tokenization element linked to a payment credential at a tokenization platform, generating a child token of the parent token at the tokenization platform, the child token including a different non-sensitive tokenization element than the non-sensitive tokenization element of the parent token and being linked to the parent token at the tokenization server, and transmitting the child token to a receiving device. The child token and the parent token can be processed at the same time in different payment transactions while being linked to the same payment card.Type: ApplicationFiled: October 3, 2018Publication date: April 9, 2020Inventor: Manu Dharmaiah Kallugudde
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Publication number: 20200111082Abstract: The present disclosure is directed to one or more methods, systems, apparatuses, and computer readable mediums storing processor-executable process steps for processing a digital property remittance request from a sender's virtual wallet created based on a sender's telephone number subscribed from a sender's telecom carrier to a recipient's virtual wallet created based on a recipient's telephone number subscribed from a recipient's telecom carrier. The method comprises (a) receiving, via a telephone device, the digital property remittance request; (b) verifying, by the sender's telecom carrier, that the telephone device is an authenticated telephone device corresponding to the sender's telephone number; and (c) submitting, by the telephone device, after verification, the digital property remittance request to a distributed transaction consensus network for recording on a distributed ledger.Type: ApplicationFiled: April 5, 2018Publication date: April 9, 2020Applicant: TBCASOFT, INC.Inventor: Ling WU
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Publication number: 20200111083Abstract: A system comprises a programmable processor, one or more sensors in communication with the processor, and a memory in communication with the processor. The memory contains data and instructions executable by the processor to perform blockchain processing. The system also comprises a communications module in communication with the processor and with a network. The system is incorporated in a firearm.Type: ApplicationFiled: December 6, 2019Publication date: April 9, 2020Applicant: Blocksafe Holdings, Inc.Inventor: Kevin Barnes
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Publication number: 20200111084Abstract: A payment card processing system and method includes a computing device in communication with a multi-party payment processing system and network for processing payment card transactions. The computing device accepts a foreign currency deposit into a virtual foreign currency account linked to a cardholder account designated for payment in a home currency, receives payment card transaction data, identifies a foreign exchange transaction between the cardholder and a merchant designated for payment in a foreign currency, and applies at least a portion of the foreign currency deposit in the virtual foreign currency account to satisfy the payment for the transaction.Type: ApplicationFiled: October 3, 2018Publication date: April 9, 2020Inventors: Robert Ward, Simon Wright Lakin, Amy Mizon
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Publication number: 20200111085Abstract: A computer-implemented method for providing dynamic foreign exchange includes receiving an indication of a number associated with a card used to access an automated teller machine. A portion of the number identifying an issuer of the card may be extracted. Based on the issuer of the card, it may be determined that dynamic foreign exchange should be offered for a transaction. Then, a request may be sent to a foreign exchange rate service device for a dynamically-determined foreign exchange rate quote, the quote to be provided to the automated teller machine. An indication that the quoted rate was accepted at the automated teller machine may be received and then the transaction may be processed with foreign exchange provided at the quoted rate by an entity associated with the foreign exchange rate service device. Related systems and computer-readable media are also disclosed.Type: ApplicationFiled: October 4, 2018Publication date: April 9, 2020Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Vincent FAZIO, Anthony Wayne MILES, Vikram MALHOTRA, Ratnadeep BHADRA, James Kenneth MCCRAE