Patents Issued in April 28, 2020
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Patent number: 10636008Abstract: A data processing system and method includes a first data processing device that generates commodity delivery information, and a second data processing device that provides a commodity delivery person with the commodity delivery information, where the first data processing device determines, according to historical information of users, multiple target users that potentially will purchase a specific commodity, acquires multiple pieces of address information that correspond to the multiple target users, combines the multiple pieces of address information to form one piece of commodity delivery information, and sends the commodity delivery information to the second data processing device.Type: GrantFiled: November 15, 2016Date of Patent: April 28, 2020Assignee: HUAWEI TECHNOLOGIES CO., LTD.Inventors: Huimin Zhang, Kangmin Huang, Dawei Huo
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Patent number: 10636009Abstract: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.Type: GrantFiled: April 8, 2019Date of Patent: April 28, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Rick Unnerstall
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Patent number: 10636010Abstract: According to an embodiment, a data processing system processes a bifurcated transaction for items available at a brick-and-mortar store. The bifurcated transaction is initiated when a consumer orders a set of non-perishable items electronically, e.g., using an app, website etc. At the brick-and-mortar store, the consumer picks up a shopping cart with the order of the set of non-perishable items and then peruses and adds perishable items to the shopping cart. In one embodiment, a single unique machine-readable label (e.g., a barcode) identifies the set of the non-perishable items. At checkout, the transaction is completed by scanning respective machine-readable labels (e.g., barcodes) on the perishable items and the single unique machine-readable label that identifies the set of the non-perishable items.Type: GrantFiled: October 26, 2018Date of Patent: April 28, 2020Assignee: Quotient Technology Inc.Inventor: Steven R. Boal
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Patent number: 10636011Abstract: A method, system and computer program of managing an access right to at least one asset associated with at least one digital work order, or to at least one element associated with the asset, and provides a system and a computer program for the same. The method includes the steps of: loading a security policy associated with the work order, the asset, or the element; starting to monitor location information of the asset or the element and a moving object, or a elapsed time of the moving object at the location; and issuing an event for managing the asset, the element or the moving object in response to the start of the work order or in response to the fact that the loaded security policy is violated by any of the locations, a change in the location, or the elapsed time at the location obtained by the monitoring.Type: GrantFiled: September 21, 2011Date of Patent: April 28, 2020Assignee: International Business Machines CorproationInventors: Yasutaka Nishimura, Takashi Ogura, Akira Ohkado, Tadashi Tsumura
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Patent number: 10636012Abstract: Methods and systems for managing drug usage are provided. In an embodiment, reminder data associated with a drug treatment plan of a patient is accessed. The reminder data includes a reminder time indicia and a patient identifier associated with the patient. The drug treatment plan is associated with a drug to be taken by the patient. A determination of whether a reminder criterion of the prescription drug treatment plan has been met is made based on the reminder time indicia. A patient messaging configuration is accessed based on the patient identifier. A notification is generated based on a determination that the reminder criterion has been met and the patient messaging configuration. Additional methods and systems are disclosed.Type: GrantFiled: July 3, 2014Date of Patent: April 28, 2020Assignee: Express Scripts Strategic Development, Inc.Inventors: Kevin C. Cohan, William G. Fogarty, IV, Bryan V. Muehlberger, Katherine H. Sundaraman
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Patent number: 10636013Abstract: Various embodiments concern obtaining mobile device data and generating activity logs. More specifically, mobile device data such as data indicating the location and time of a mobile device is obtained. The time and location may be automatically obtained and recorded using location service APIs on the mobile device. The obtained data is then used to generate a report including the time, duration, and location of activities associated with the user of the mobile device. Thus, an activity log is automatically generated using the time and location data.Type: GrantFiled: May 22, 2019Date of Patent: April 28, 2020Assignee: FINANCIALFORCE.COM, INC.Inventor: Matthew James Byrne
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Patent number: 10636014Abstract: Systems, methods and computer-readable media for providing conversational calendar integration are disclosed. According to aspects, a meeting organizer is able to select multiple proposed meeting times for the meeting. The attendees are presented with multiple proposed meeting times in the context of the attendee's calendar. The user interface within the meeting request is optimized to provide the user with a visual demonstration of the proposed meeting times, thereby providing the attendee with the ability to quickly and visually identify whether any of the proposed meeting times conflict. Thus, conversational calendar integration reduces network traffic and improves network efficiency/performance.Type: GrantFiled: September 26, 2016Date of Patent: April 28, 2020Assignee: MICROSOFT TECHNOLOGY LICENSING, LLCInventor: Philipp Anatolievich Cannons
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Patent number: 10636015Abstract: Automated matching, notification, and acceptance/rejection of appointment or opening in a calendar/schedule via network-based systems and methods, including application over social networks and website based connection between users and service providers. Notifications include offers of rewards and/or incentives, which are in the form of discounts, promotions, and/or a currency such as a cryptocurrency.Type: GrantFiled: September 20, 2017Date of Patent: April 28, 2020Inventor: Sharat Nagaraj
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Patent number: 10636016Abstract: A relationship management system and method are configured to enable a user to manage a relationship with their contacts from the initial interaction through the life cycle of a transaction or relationship and beyond. For example, a relationship management system may record and sort all communications (for example, phone calls, text messages, and emails) into a contact's profile, empowering a user to easily see the entire relationship at a glance. Moreover, using actionable business intelligence, an exemplary relationship management system may utilize a workflow engine to send notifications, schedule tasks, and allow users to see reports, thus allowing a user to increase productivity and save time. Exemplary relationship management systems are configured for use in the multi-family housing industry.Type: GrantFiled: August 14, 2018Date of Patent: April 28, 2020Assignee: Leasehawk, LLCInventor: Michael E. Mueller
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Patent number: 10636017Abstract: Disclosed aspects relate to charge management of a device. A first location-modification event of the device may be detected by a charge management engine. The first location-modification event of the device may indicate a first movement event of the device from an original location to a target location. A device charge pattern may be determined based on a set of profile data for a user. The device charge pattern may include a set of criteria that indicates to charge the device. Achievement of the set of criteria may be identified by the charge management engine based on the device charge pattern. Achievement of the set of criteria may relate to the first location-modification event. An indication to charge the device may be provided by the charge management engine. A charge may be received by the device.Type: GrantFiled: June 19, 2019Date of Patent: April 28, 2020Assignee: International Business Machines CorporationInventors: Alaa Abou Mahmoud, Paul R. Bastide, Fang Lu
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Patent number: 10636018Abstract: A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.Type: GrantFiled: September 21, 2017Date of Patent: April 28, 2020Assignee: THE CLEARING HOUSE PAYMENTS COMPANY L.L.C.Inventors: John P. Dunn, Stephen Ledford, Steve H. Jackson, Albert G. Wood
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Patent number: 10636019Abstract: In some examples, methods and systems generate interactive receipts with the option of a dynamic tip amount. The method includes determining at least one tip determinant based at least in part on the payment transaction, wherein the tip determinant is selected from a group of: the merchant; the customer; a payment object presented by the customer towards the payment transaction; a geographical location of a mobile device associated with one of the merchant and the customer; and a category of a merchant's item corresponding to the payment transaction. The method includes obtaining, by a dynamic tip generator, a tipping profile based on a history of tipping behavior associated with the tip determinant and generating, by the dynamic tip generator, at least one dynamic tip amount based at least on the tipping profile, which is presented to the customer.Type: GrantFiled: March 31, 2016Date of Patent: April 28, 2020Assignee: Square, Inc.Inventor: Adam Abrons
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Patent number: 10636020Abstract: Aspects described herein may allow for prompting a user to access an on-line tool to create an identification element to be added to an exterior surface of a personal card. A server device may prompt the user to select a location for the identification element from a plurality of pre-selected locations on the personal card, each of the plurality of pre-selected locations being proximate edges of the personal card and outward of any of magnetic strips, chips, text, photos, and images on the personal card. The server device may modify an exterior surface of the personal card to include the identification element at the selected location, and deliver the personal card to the user.Type: GrantFiled: August 30, 2019Date of Patent: April 28, 2020Assignee: Capital One Services, LLCInventors: Melissa Crawford, Jeremy Goodsitt, Micah Price
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Patent number: 10636021Abstract: A product catalog service allows business entities to create and store product catalogs indicating products that are available from the business entities. A product catalog includes multiple product family definitions. Each product family definition specifies attribute names of a product family and, for each attribute name, a set of allowed attribute values. In order to specify a particular product variant, an entity may supply one of the allowed attribute values for each specified attribute name of the product. The product catalogs may be received from multiple business entities. Each product catalog may also be shared with multiple business entities. A merchant, for example, may select products from a product catalog to purchase from another merchant. When creating a product catalog, a business entity may reference product family definitions of other product catalogs.Type: GrantFiled: September 21, 2017Date of Patent: April 28, 2020Assignee: Square, Inc.Inventors: Mark Jen, Shawn Morel
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Patent number: 10636022Abstract: An authentication system and method of use are provided to enable a transaction involving a first party and a user, the system comprising an electronic device comprising a communications interface and one or more processors. The one or more processors are configured to receive biometric information of the user and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information, wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user, and wherein the received biometric information is verified at a point of use.Type: GrantFiled: July 27, 2017Date of Patent: April 28, 2020Assignee: UNIVERSAL SECURE REGISTRY, LLCInventor: Kenneth P. Weiss
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Patent number: 10636023Abstract: An authentication system and method of use thereof are provided to authenticate a user involved in a transaction. The system comprises a communications interface configured to receive a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at the point of use of the electronic device, and one or more processors configured to retrieve account information associated with a user of the electronic device, wherein the account information is retrieved in response to receiving the one-time code, and to use the retrieved account information to access account identifying information or identifying information associated with the user of the electronic device.Type: GrantFiled: July 27, 2017Date of Patent: April 28, 2020Assignee: UNIVERSAL SECURE REGISTRY, LLCInventor: Kenneth P. Weiss
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Patent number: 10636024Abstract: Provided are a self-service method and device. The method includes: acquiring by a camera video data associated with a shopping cart at a distance from a shelf less than a preset value; determining whether an article is being placed into the shopping cart, based on identification of the video data; if yes, acquiring an ID of the shopping cart, determining the placed article and associating the ID with the article; displaying a total sum of all articles associated with the ID to the user when detecting the shopping cart corresponding to the ID is located in a preset payment area in the shopping mall; and executing a permitting procedure for allowing the shopping cart corresponding to the ID to pass upon reception of a message fed back from the payment area and indicating that the total sum corresponding to the ID has been cleared.Type: GrantFiled: May 21, 2018Date of Patent: April 28, 2020Assignee: Shenzhen Malong Technologies Co., Ltd.Inventors: Matthew Robert Scott, Dinglong Huang, Kai Fu
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Patent number: 10636025Abstract: A method, system, and apparatus for facilitating a payment transaction is disclosed. A server receives an event-setup request from an event organizer to set up an event-based payment session to obtain payments for one or more attendees of a subsequent event. In response to receiving the event set-up request: the server sets up the event-based payment session in accordance with the event-setup request; and provides a payment invitation corresponding to the payment session to each of one or more invitees of the subsequent event in accordance with the event-setup request. The server then receives from at least a first invitee of the one or more invitees, a conditional acceptance to the payment invitation, the acceptance being conditioned on one or more predefined criteria.Type: GrantFiled: January 11, 2016Date of Patent: April 28, 2020Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventor: Yumiao Zhang
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Patent number: 10636027Abstract: Methods and systems for self-service checkout. In an embodiment, a mobile device processor of a consumer's mobile device recognizes that the consumer mobile device has been transported to a merchant store location, initializes a self-service checkout application which includes at least one merchant rule preventing the consumer from purchasing certain items, receives input data, displays information concerning at least one item, and receives an indication that shopping is completed. The method includes transmitting checkout data to a self-service checkout computer for transmission to a merchant server, receiving, from the merchant server via the self-service checkout computer, a transaction authorization message and merchant instructions, and displaying the transaction authorization message and the merchant instructions including instructions directing the consumer to proceed to a designated exit.Type: GrantFiled: December 13, 2018Date of Patent: April 28, 2020Assignee: Mastercard International IncorporatedInventors: Michael Cyr, David Colby Brown
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Patent number: 10636029Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.Type: GrantFiled: December 12, 2016Date of Patent: April 28, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, William Bradley Burks, Andrew S. Heiman, Richard Huw Thomas
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Patent number: 10636030Abstract: Techniques for providing a secure mesh network based on a cryptocurrency blockchain are provided. An electronic device can receive data from a mesh network to establish the device as a node on the mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an amount of cryptocurrency. The established node can receive a payment for facilitating transfers on the mesh network including routing transactional or communication data. Public and/or private keys associated with the cryptocurrency wallets can be used to encrypt communications, thereby providing a secure mesh network. Further, the blockchain, which can be managed by one or more authorized nodes of the mesh network, can provide a payment system within the mesh network. The distributed nature of the mesh network allows it to operate securely without a central authority. In turn, the mesh network is more adaptable and flexible.Type: GrantFiled: November 6, 2018Date of Patent: April 28, 2020Assignee: Capital One Services, LLCInventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
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Patent number: 10636031Abstract: Systems and methods here may be used for causing storage of a deposited value in an account of a wireless client associated with the first mobile network in communication with the first mobile network operator. Some embodiments include receiving, a request from the wireless client associated with the first mobile network to send a first value to a wireless client associated to a second mobile network, then checking at the first mobile network operator, if the first subscriber database includes the requested first value associated with the wireless client if the first subscriber database includes at least the requested first value associated with the wireless client associated with the first mobile network, and sending a message indicating the requested first value from the first mobile network operator to a second mobile network operator.Type: GrantFiled: December 14, 2016Date of Patent: April 28, 2020Assignee: TECTONICSInventor: Jonathan Dharmapalan
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Patent number: 10636032Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: GrantFiled: October 23, 2018Date of Patent: April 28, 2020Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
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Patent number: 10636033Abstract: Embodiments of the present invention are directed to routing process authorizations to determine an appropriate legal entity name when an alternate entity name is provided. The system stores alternate entity names in a private or semi-private block chain distributed network, where a block chain ledger keeps an ongoing record of the alternate entity names and their associated legal entity name. When an authorization request is received that does not include a known legal entity name, the system will match the listed entity name with one of the stored alternate entity names, and thereby determine the legal entity name that should be associated with the authorization request.Type: GrantFiled: February 22, 2016Date of Patent: April 28, 2020Assignee: Bank of America CorporationInventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
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Patent number: 10636034Abstract: A point of sale (POS) is programmed to add unrestricted items to a transaction. In response to presentation of unique customer identification, the customer's identity is verified by transmitting an image associated with the unique identification to the POS. In response to receiving verification that the image corresponds to the presenter of the unique identification, a self-checkout interface is displayed by the POS. Restricted items are input by the customer and, if the customer is determined eligible to purchase the restricted items, they are added to the transaction. Payment for both restricted and unrestricted items in the transaction is then processed. Eligibility may be determined on a server system that determines the customer's age and possibly one or more other eligibility criteria.Type: GrantFiled: January 19, 2017Date of Patent: April 28, 2020Assignee: WALMART APOLLO, LLCInventors: Ruth A. Boyd, Meriah D. Montondo, Kellie D. Embree
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Patent number: 10636035Abstract: A payment service is configured to support purchase transactions generated by merchant point-of-sale (POS) devices. As transactions are conducted, the payment service evaluates, for each transaction, the risk of subsequent chargeback. The payment service then notifies the merchant that expedited payment is available for transactions having low risks of chargeback. The merchant can select a user interface element to initiate expedited payment of the transactions via a debit card linked to the merchant's bank account. Other transactions are settled in a non-expedited manner, using a batch funds transfer.Type: GrantFiled: July 31, 2017Date of Patent: April 28, 2020Assignee: Square, Inc.Inventors: Kyle Matson, Wesley Kim, Christopher Lang Mocko, Robert Harrison Gilliam, Edward Chung
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Patent number: 10636036Abstract: A system and method for users of copyrighted works to acquire after-the-fact clearances or rights from owners of protected works. Protected works include copyrighted works, such as musical works, literary works, movies, and the like. A computer-based electronic exchange collects and contains data on sellers and buyers of protected works, as well as historical usage data by buyers and users of a particular protected work. The system determines recommended bid and ask prices for the parties based on analysis of historical usage of various combinations of buyers and sellers for various protected works.Type: GrantFiled: February 11, 2015Date of Patent: April 28, 2020Inventor: Lee Anthony Greer
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Patent number: 10636037Abstract: The invention is a platform that defines a new way and method of notifying and connecting a customer to a business with a recalled product and accelerating the refund, replacement or the fix of the product to the customer. The invention comprises processed data algorithms and techniques along with new extensions that integrate with existing systems or software. The platform facilitates the communication between users and manufacturers to provide consumers with their refund, fix or replacement for defective products through a resolution center.Type: GrantFiled: September 27, 2016Date of Patent: April 28, 2020Assignee: HADAFSOFT, LLCInventor: Mostafa Elzoghbi
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Patent number: 10636038Abstract: Generating a solution keyword tag cloud is provided. Keywords are identified in a question asking how to resolve an issue experienced by a user with a product. The keywords identified in the question are matched with keyword tags included in a set of condition-solution trees corresponding to the product. The solution keyword tag cloud for the product is generated based on the matching of the keywords identified in the question with the keyword tags included in the set of condition-solution trees corresponding to the product. The solution keyword tag cloud is presented in a graphical user interface display on a client device corresponding to the user.Type: GrantFiled: October 31, 2016Date of Patent: April 28, 2020Assignee: International Business Machines CorporationInventors: Ching-Wei Cheng, Tzuching Kuo, June-Ray Lin, Yi Chun Tsai
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Patent number: 10636039Abstract: Disclosed herein is a method and system for generating an ontology based on plurality of tickets in an enterprise system 100. The method includes processing, by the enterprise system 100, input data associated with the plurality of tickets to obtain a structured data 228 associated with each of the plurality of tickets. Also, the method comprises performing multi-level clustering on the structured data 228 to obtain a plurality of clusters and corresponding error indicators, based on one or more parameters associated with the plurality of tickets. Further, the method comprises mapping each of the plurality of dusters with each of the error indicators, to obtain a mapped data at each cluster of the plurality of clusters and generating the ontology using the mapped data at each duster of the plurality of clusters, corresponding to the plurality of tickets.Type: GrantFiled: March 31, 2017Date of Patent: April 28, 2020Assignee: Wipro LimitedInventor: Selvakuberan Karuppasamy
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Patent number: 10636040Abstract: An apparatus is provided for authentication of an item or a label by storing unique random serial numbers or codes in a remote secure storage that can be used to authenticate the item or the label, generating a pointer to each stored unique random serial number/code and storing the generated pointer(s) in a client data storage. During or prior to a production run of the item(s) or label(s): the generated pointer(s) are sent from the client data storage to one or more media devices, the generated pointer(s) are obtained from the media device using a post-content manager, the unique random serial number(s)/code(s) are obtained from the server via the post-content manager using the generated pointer(s), the obtained unique random serial number(s)/code(s) are sent to the media device, and the received unique random serial number(s)/code(s) are imprinted on the item(s) or the label(s) using the media device.Type: GrantFiled: December 5, 2012Date of Patent: April 28, 2020Assignee: DT LABS, LLCInventor: Douglas Peckover
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Patent number: 10636041Abstract: Enterprise reputation evaluation techniques are disclosed. Reputation data extracted from each of a plurality of data sources is received. The reputation data is associated with a plurality of physical locations of an enterprise entity. An aggregate reputation score is determined for the entity using at least a portion of the received data. The aggregate reputation score is provided as output.Type: GrantFiled: July 9, 2012Date of Patent: April 28, 2020Assignee: Reputation.com, Inc.Inventors: Brent Michael Franson, Jeffrey James Piper, Thomas Gerardo Dignan, Shrey A. Bhatia
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Patent number: 10636042Abstract: The present invention describes a method, a system, a computer program product and a computer program for creating and using a journey map and for associating user interactions with a system such as a computer system to steps of the journey map. Embodiments of the invention relate to user interactions with an organisation across a range of different communication channels and associating these interactions with steps of a journey map.Type: GrantFiled: May 13, 2015Date of Patent: April 28, 2020Assignee: THUNDERHEAD (ONE) LIMITEDInventor: Ray Gerber
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Patent number: 10636043Abstract: A power exchange includes an energy exchange server and a plurality of exchange controllers, each exchange controller communicatively coupled to an interconnect socket adapter, wherein the energy exchange server receives a real-time energy consumption data set, a real-time energy production data set, a set of environmental parameters and a starting energy price, and generates a current aggregate electricity demand value as a function of the real-time energy consumption data set and the environmental parameters, a current aggregate electricity supply value as a function of the real-time energy production dataset and the environmental parameters, and a current energy price as a function of the starting energy price, the current aggregate electricity demand value, and the current aggregate electricity supply value.Type: GrantFiled: April 15, 2016Date of Patent: April 28, 2020Assignee: SAN DIEGO GAS & ELECTRIC COMPANYInventors: Ken Parks, Michael Colburn
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Patent number: 10636044Abstract: Examples of the disclosure project resource demand. In some examples, a first factor that corresponds to a task and/or a resource is identified. The first factor is associated with one or more scenarios. A model associated with the scenarios is generated. The model includes the first factor. The model is used to generate a projection associated with an expected resource demand for a first scenario. The projection is compared with historical data associated with an actual resource demand for the first scenario to determine a variance between the projection and the historical data. Based on the variance, a second factor that does not directly correspond to the task and/or the resource is generated. The second factor is configured to increase an accuracy of the model. Aspects of the disclosure enable the model to be generated, maintained, and/or updated in a calculated and systematic manner for increased performance.Type: GrantFiled: March 15, 2016Date of Patent: April 28, 2020Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITEDInventor: Mohitash Dwivedi
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Patent number: 10636045Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 1, 2017Date of Patent: April 28, 2020Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 10636046Abstract: A survey system enabling one or more processors to output a survey in a vehicle while allowing a vehicle occupant to engage in the survey. The survey system may communicate with a vehicle computing system enabling one or more processors to receive input representing one or more occupants in a vehicle. They survey system may receive an input representing a current location. The system may determine a workload value for the one or more vehicle occupants and output a survey to the one or more vehicle occupants when the workload value is below a predefined threshold. The system may output a survey related to the one or more occupants and current location. The system may collect survey results and relay the survey results to a remote server for processing. The system may provide a digital reward to the one or more occupants participating in the survey.Type: GrantFiled: March 13, 2013Date of Patent: April 28, 2020Assignee: Ford Global Technologies, LLCInventors: Yimin Liu, Perry Robinson MacNeille, Joe Phillip Pierucci, Oleg Yurievitch Gusikhin, Erica Klampfl, Edward K. Krause
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Patent number: 10636047Abstract: A customer database system may store historic customer satisfaction information. A CSR terminal may facilitate an interaction between a service representative and a first customer, and a survey platform may: (i) detect that the CSR terminal is currently interacting with the first customer and that the first customer has an entry in the customer database system, and (ii) automatically trigger an analytics action at the CSR terminal. A relational database may receive solicited customer feedback information along with a structured escalation level category entered via the analytics action. The solicited customer feedback information may be parsed into unstructured text, and a big data application platform may: (i) execute an algorithm to assign a sub-category to the first customer interaction based on the unstructured parsed text, and (ii) assign the solicited customer feedback to positive, neutral, and/or negative sentiment pools.Type: GrantFiled: September 9, 2015Date of Patent: April 28, 2020Assignee: Hartford Fire Insurance CompanyInventor: Philip Wawrzynowicz
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Patent number: 10636048Abstract: Communication accounts may contain information such as account holder names, contact lists, and communication logs. Such information may be processed for generating features that may be used as corpus for a machine learning algorithm for developing classifiers of names. Specifically, names and contact names of the accounts may be arranged in to a document according to the manner in which account holders communicate with the contacts. The document may be used for generating word embedding of the names. Names prelabeled with ethnicity together with their word embedding may be used as training data for developing ethnicity classifiers based on machine learning algorithms.Type: GrantFiled: January 27, 2017Date of Patent: April 28, 2020Assignee: Oath Inc.Inventors: Junting Ye, Yifan Hu, Baris Coskun, Meizhu Liu, Steven Skiena
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Patent number: 10636049Abstract: A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user.Type: GrantFiled: December 12, 2018Date of Patent: April 28, 2020Assignee: QUOTIENT TECHNOLOGY INC.Inventors: Steven M. Horowitz, Jason Boehle, Bipin Pattan
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Patent number: 10636050Abstract: A system for processing payment for products for purchase may include a point-of-sale (POS) terminal and a promotions processing server coupled to the POS terminal and that may include a processor and an associated memory coupled thereto. The processor may be configured to store in the memory a respective digital coupon wallet for each user and present, to the POS terminal, a digital coupon in the respective digital coupon wallet for a given user for at least one product. The processor may also be configured to generate a supplemental, full-price, digital coupon for a remaining purchase price after application of the digital coupon to a purchase price of the at least one product and present, to the POS terminal, the supplemental, full-price, digital coupon.Type: GrantFiled: June 29, 2018Date of Patent: April 28, 2020Assignee: INMAR CLEARING, INC.Inventor: Bryan Bartow
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Patent number: 10636051Abstract: A digital magazine server separates an advertisement received for presentation to one or more digital magazine server users into a plurality of layers, each including one or more elements of the advertisement. For example, one or more foreground layers and one or more background layers of an advertisement are identified. By modifying elements included in different layers, modified advertisements associated with different display sizes are generated and associated with the display sizes. When presenting the advertisement to a user, the digital magazine server determines a size of a slot in which the advertisement is to be presented and retrieves a modified advertisement associated with the size of the slot for presentation to the user.Type: GrantFiled: January 14, 2014Date of Patent: April 28, 2020Assignee: Flipboard, Inc.Inventors: Charles H Ying, Anh Mai
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Patent number: 10636052Abstract: Methods and apparatus for implementing automated online promotion testing in an efficient and platform-agnostic manner are disclosed. A test management module interacts with a concept generator module, a promotion analytics module, and agnostically interacts with promotion administering platforms to automatically generate, administer, and analyze a large number of test promotions to online consumers in a manner that minimizes labor-intensive changes to the promotion administering platforms.Type: GrantFiled: June 21, 2014Date of Patent: April 28, 2020Assignee: Eversight, Inc.Inventors: David Moran, Michael Montero
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Patent number: 10636053Abstract: An online system evaluates the quality of a content publisher displaying sponsored content items. To determine a likelihood of conversion actions associated with the sponsored content items, the online system uses information about users and their interactions with sponsored content items featured within the content publisher against interactions with sponsored content items featured within a benchmark system (e.g., online system). By determining a ratio of these interactions, the online system can determine a likelihood of conversion actions for the content publisher. The online system uses this likelihood of conversions to determine a publisher quality score that it uses to normalize third party value contributions toward placing sponsored content items on the content publisher. Thus, third party systems no longer need to be concerned about the intrinsic value of a given content publisher as third party value contributions are normalized based on the content publisher's conversion rates.Type: GrantFiled: May 31, 2017Date of Patent: April 28, 2020Assignee: Facebook, Inc.Inventors: Robert Daniel Paul Masson, David McCafferty Lapayowker, Joshua Ryan Williams, Kevin Donald Kelly
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Patent number: 10636054Abstract: A computer-implemented method comprising: presenting, by a computing device, an advertisement on a first device; monitoring, by the computing device, viewing activity by a user of the advertisement, wherein the monitoring comprises tracking an amount of time that the user actively views the advertisement on the first device; and continuing, by the computing device, playback of the advertisement on one or more second devices until the user has actively viewed the advertisement for a target impression time based on the monitoring.Type: GrantFiled: November 29, 2016Date of Patent: April 28, 2020Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Siddique M. Adoni, Gregory J. Boss, Norbert Herman, Shubhadip Ray, Dhandapani Shanmugam
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Patent number: 10636055Abstract: The current invention is a system where a user can interact with advertised content on numerous platforms via a plethora of devices while watching a promotional event, with the goal of driving sales to advertisers through rewards, by combining gaming, branded entertainment, and direct response. Users will receive product information through the inclusion of a variety of state-of-the-art methods that can be utilized in order to engage users. This is done in order to reach the consumer base and deliver relevant product information to them in dynamic ways: for example but not limited to, via audio and/or visual triggers, sending links through push notifications, providing information based upon user location, and personalizing AR/VR visuals based upon each user's profiled data.Type: GrantFiled: November 15, 2016Date of Patent: April 28, 2020Inventor: Eric Koenig
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Patent number: 10636056Abstract: Methods and systems for targeted advertisement include transmitting a pre-filter to a user device, responsive to contextual information supplied by the user device to determine one or more inferences based on physical browsing information, collected at the user device, in compliance with one or more privacy policies of the user. One or more targeted advertisements are determined, using a processor, based on the one or more inferences. The one or more targeted advertisements are transmitted to the user device.Type: GrantFiled: November 16, 2015Date of Patent: April 28, 2020Assignee: International Business Machines CorporationInventors: Supriyo Chakraborty, Keith Grueneberg, Bongjun Ko, Christian Makaya, Jorge J. Ortiz, Swati Rallapalli, Theodoros Salonidis, Rahul Urgaonkar, Dinesh Verma, Xiping Wang
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Patent number: 10636057Abstract: A computer-implemented method and an apparatus dynamically select content for online visitors. The method includes receiving information related to activity of an online visitor on an enterprise interaction channel and identifying channel data related to the activity. A plurality of content pieces capable of being provided to the online visitor during the ongoing journey is identified. A correlation score is computed for each content piece using the channel data to generate a plurality of correlation scores. The plurality of content pieces are rank-ordered by sorting the plurality of correlation scores. A display of at least one content piece is effected during the ongoing journey of the online visitor on the enterprise interaction channel based on the rank-ordering of the plurality of content pieces.Type: GrantFiled: November 8, 2016Date of Patent: April 28, 2020Assignee: [24]7.ai, Inc.Inventors: Abir Chakraborty, Prashant Joshi
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Patent number: 10636058Abstract: A system and associated method for assisting a user to efficiently query for product information and promotional information available from electronic commerce websites over the Internet includes a sub-server for searching the electronic commerce websites, a controlling server, and a local database. The method involves determining whether product information related to a user query is cached in a local database and if the requested information is not cached, searching the electronic commerce websites for the requested information.Type: GrantFiled: May 14, 2015Date of Patent: April 28, 2020Assignee: Tensilrus Capital NV LLCInventor: Mark Nair
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Patent number: 10636059Abstract: In an embodiment, a system server receives, from a plurality of advertiser devices, a plurality of advertisements, at least one corresponding personal information value, and a corresponding price. The system server calculates, for each of a plurality of personal information types, a corresponding price. The system server instructs the message device to display the plurality of personal information types and the corresponding prices. The system server sends, to a first message account, a plurality of messages, in which each message includes a respective advertisement of the subset of advertisements. Then the system server determines an amount to pay the user based on the prices corresponding to the subset of advertisements, and increases an account balance by the amount to pay the user.Type: GrantFiled: March 20, 2017Date of Patent: April 28, 2020Inventor: Peter Newman Golder