Abstract: A method, computer system, and computer program product for cognitive assessment recommendation and evaluation are provided. The embodiment may include receiving a candidate's resume and a job description from a database. The embodiment may also include generating interview questions based on common keywords or key phrases found in the resume and the job description. The embodiment may further include identifying critical points to be verified based on analysis of candidate responses to the generated interview questions. The embodiment may also include validating the critical points against data obtained from public records, official documentation, and documents submitted by the candidate. The embodiment may further include creating referenceable content which includes the identified critical points and a summary of the data used to validate the critical points.

Abstract: Apparatuses, methods, program products, and systems are described for assessment-based talent matching. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to aggregate, in a central repository, a plurality of different assessment results based on a plurality of assessments for a user. Each of a plurality of assessment results may describe different traits of a user. The code is executable by the processor to determine where one or more of a user's traits overlap based on different assessments for the user. The code is executable by the processor to match a user to one or more personalized opportunities determined for the user based on overlapping traits and one or more characteristics of the opportunities.

Abstract: Method of facilitating online interactions between voice talent users and second users. Voice talent users upload sample audio files containing voice recordings, and second users can do keyword searches for voice talent users or post jobs that can be searched by voice talent users. A second user sends a partial script to a voice talent user, who makes a voice recording of the partial script and uploads the same. The second user has the option to send a complete script to that voice talent user, and if so, the voice talent users makes a voice recording of the complete script and uploads the same as a final audio file. Upon acceptance of the final audio file and satisfaction of optional milestones established by the second user, a server remote from both users facilitates an electronic transaction between them using the server as an agent for the transaction.

Abstract: The present invention relates to systems and methods of express tracking for patient flow management in a distributed environment. Particularly, aspects are directed to a computer implemented method that includes initiating a check-in process that includes prompting a user to scan an identifier, processing the identifier using a cascade machine-learning architecture comprising of a multi-task convolutional neural network model and a recurrent neural network model to obtain the classification of the identifier and member identification information, determining whether the user is known user based on the member identification information, when the user is a known user, verifying user data saved in the computing system associated with the identifier, once the user data is verified, determining whether the user has a scheduled appointment; and when the user has a scheduled appointment, checking the user in for the scheduled appointment.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for predicting the subject, logistics, and resources of associated with a communication event. Predictions and suggestions can occur prior to, during, or in response to communication events. The user can confirm the prediction or suggestion via user input such as a click or a voice command. The system can analyze past behavior patterns with respect to the subject, logistics and resources of communication events, followed by preparing ranked listings of which subjects, logistics, and resources are most likely to be used in a given situation. The predicted logistics may then include people to invite, time and date of the meeting, its duration, location, and anything else useful in helping potential participants gather together. The resources may include files attached, files used, communication event minutes, recordings made, Internet browsers and other programs which may be utilized by the user.

Abstract: A system for identifying buildings that are damaged in a geographic area from a damaging weather event. Accessing weather data and identifying a date of the damaging weather event. Accessing geographic data for identifying the geographic area where the damaging weather event occurred. Accessing visual data of buildings where the damaging weather event occurred. Identifying an individual building that was damaged based on the visual data, geographic data and weather data.

Abstract: In some examples, a computer system may receive historical repair data and may extract features from the historical repair data for use as training data. The computer system may determine, from the historical repair data, a repair hierarchy including a plurality of repair levels which includes repair actions as one of the repair levels. Furthermore, the computer system may train the machine learning model, which performs multiple tasks for predicting values of individual levels of the repair hierarchy, by tuning parameters of the machine learning model using the training data.

Abstract: The present specification relates to a mobile payment method, device, and system. One example method includes enabling, by the payee device, a device authorization function using a third-party server; receiving, by the payee device, identity authentication information from a payor device, wherein the identity authentication information includes an identifier of the payor device, and wherein the payor device does not have a payment application (APP) installed; forwarding, by the payee device, the received identity authentication information to the third-party server; receiving, by the payee device, token information from the third-party server, wherein the token information corresponds to the identifier; receiving, by the payee device, a payment request from the payor device, wherein the payment request includes the identifier of the payor device and the generated token; and sending, by the payee device, payment information including the generated token and the to the third-party server for verification.

Abstract: A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator.

Abstract: An information processing apparatus includes a member correlating unit that correlates a membership code to a user, an electronic receipt receiving unit that receives electronic receipt information correlated with the membership code from an electronic receipt managing server that manages the electronic receipt information, and an electronic receipt displaying unit that displays a plurality of selectable process categories corresponding to the electronic receipt information received from the electronic receipt receiving unit in a menu on a display unit.

Abstract: The present blockchain systems and censuses protocols involve a committee of consensus nodes to notarize candidate blocks. The committee includes proposers and votes. A proposer can send an unnotarized proposal to the voters, and the voters can vote on an unnotarized proposal when the voter and the proposer have substantially the same freshest notarized chain. After receiving enough votes for the proposal, the proposal is notarized and added to the blockchain maintained by the systems and protocols. Epoch is provided to facilitate the operation of the systems and protocols. Epoch includes a value identifying a proposer and defines a duration in which the transmission and voting of the proposal can be completed. The time parameter can be used to determine the freshest notarized chain and the finalized chain. The finalized chain is determined by excluding a number of consecutive blocks with consecutive epoch values from the notarized chain.

Abstract: Computer-implemented systems and methods are disclosed for learning correlations between D2web activity and historical cryptocurrency trend reversals. The learned correlations are leveraged to generate rules executable by a computing device. When satisfied, the rules are utilized to predict a cryptocurrency price reversal.

Abstract: Click service services is to connect people and businesses with different types of services providers In unique, easy and beneficial way by using the most advanced technology devices and technics, it will use mobile application, platform and website.

Abstract: Techniques for adjusting blockchain balances are described. One example of a method includes detecting changes to blockchain balances deposited on an anchor point in a blockchain, wherein the changes to the blockchain balances are caused by transactions submitted by one or more members of a blockchain network that maintains the blockchain; querying, by a member of the blockchain network associated with the anchor point, a blockchain balance deposited on the anchor point in the blockchain; determining whether a changed amount of the blockchain balance is greater than or equal to a predetermined change threshold; and in response to determining that the changed amount of the blockchain balance is greater than or equal to a predetermined change threshold, initiating, by the member, a balance adjusting contract operation to adjust the blockchain balance so that the changed amount is less than the predetermined change threshold.

Abstract: A system and method are disclosed for providing integrated circuit (IC) chip modules for inclusion in payment objects. IC chip modules may be received from a supplier of IC chip modules, wherein the IC chip modules are supportably interconnected to a flexible substrate and transport key data is encoded in the IC chip modules. Each IC chip module may be encoded with personalization data and issuer key data. Encoding of IC chip modules may be completed utilizing either a contact IC chip interface device or a non-contact IC chip interface device. Encoding the IC chip modules may be completed with the IC chip modules supportably interconnected to the flexible substrate as supplied by the supplier of the IC chip modules, free from fixed interconnection of the IC chip modules and carrier to another support structure.

Abstract: A fund flow request for a specified amount between a payer and a payee is received by a first member of a blockchain. A fund flow route between the first member and a second member corresponding to the payee in the blockchain is determined, where the fund flow route includes the first member, the second member, and a number of relay members associated with the blockchain. A compliance check request to at least two other members included in the fund flow route is initiated, so that the at least two other members concurrently perform compliance checks on a fund flow event corresponding to the fund flow request. Whether each compliance check result generated by each member performing the compliance check is qualified is determined. In response to determining that each compliance check result is qualified, the fund flow event is completed.

Abstract: Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.

Abstract: A licensing system and related methods are described utilizing aspects of distributed ledger technologies to facilitate trusted and verifiable licensing transactions for creative works. A client device can include an asset editing tool for incorporating an asset selected from a plurality of licensable assets into a new creative work. The selected asset can be downloaded for incorporation into the new creative work. The new creative work incorporating the selected asset can be analyzed to determine an amount that the selected asset contributed to the new creative work, or an amount that the new creative work is attributable to the selected asset.

Abstract: The present disclosure concerns methods and systems for increasing anonymity and traceability of a digital property management system that manages digital property transactions on a distributed transaction consensus network. The digital property management system comprises a sender's digital property manager and a recipient's digital property manager. The sender's digital property manager further comprises a sender's module and a sender's transaction node and the recipient's digital property manager further comprises a recipient' module and a recipient's transaction node. To increase anonymity of a remittance transaction between, sender's module is not allowed to access a recipient's virtual identification. Thus, recipient's module generates a token to temporarily replace a recipient's virtual identification. To increase anonymity, an encrypted label is generated for each sub-transaction to identify sub-transactions and their sequence in the same remittance set.

Abstract: During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards. A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.

Abstract: A method for purchasing an item using a mobile device is provided. The method includes but is not limited to inputting identification information into the mobile device which identifies the item for purchase and generating an order for the item identified by the identification information. The method also includes but is not limited to displaying on a display of the mobile device an optical machine-readable representation of the order.

Abstract: A system and method for displaying product information in a store. The system is configured to communicate with a communication network. Included is a shelf display device or digital tag positioned within the store and a physical, bib tag for a product. The digital tag has a digital display surface, a reader, and a communication device. The digital tag is configured to display information associated with a product via its display surface and configured for operative communication with the communication network via its communication device. The bib tag has product-related information displayed thereon. The bib tag also has machine readable information that is readable by the reader of the digital tag. The communication device of the digital tag is configured and arranged to transmit information, regarding the machine readable information of the bib tag, to the communication network.

Abstract: A system and method for vehicle facilitated commerce comprising: collecting a payment mechanism associated with a vehicle station at a vehicle service site; collecting image data in a defined region containing the vehicle station and a defined commerce region; initializing monitoring of at least one detected user associated with the vehicle station; monitoring commerce activity of the user, which comprises of: through CV processing of image data, detecting at least one commerce activity event involving the user and updating a checkout list associated with the user based on the commerce activity event; and executing a transaction with the payment mechanism for the checkout list.

Abstract: First POS transaction summary data associated with a first POS machine is generated. A first authorization code associated with the first POS transaction summary data is transmitted to a first transaction data management module (TDCMM). The first POS transaction summary data is transmitted to a POS transaction data management server. Final POS transaction receipt data is generated, where the final POS transaction receipt data comprises the first POS transaction summary data augmented with adjunctive POS transaction data distinguishable from the first POS transaction summary data. The final POS transaction receipt data is transmitted to at least one receipt generation device within a set of receipt generation devices coupled to the first POS machine.

Abstract: Systems, methods, and computer-readable media are disclosed for vehicle sharing on peer-to-peer networks. Example methods may include determining, by one or more computer processors coupled to at least one memory an input indicative of an environment context of a user, an input indicative of a user request associated with a vehicle. The example methods further include determining a vehicle option or a service option based on the input, accessing a file associated with transactions on a peer-to-peer network including computing nodes connected based on a blockchain protocol, and adding information associated with the user the vehicle option or service option to the file.

Abstract: The present disclosure relates to systems and methods for multicomputer data transferring in response to user input. In one implementation, a system for multicomputer data transferring may include at least one server configured to: receive, from a first user device, a command to transfer a portion of a transaction associated with a first user to a second user; in response to the command, transmit an inquiry to a second user device; receive, from the second user device and in response to the inquiry, an authorization for transfer; determine, based on the command and the authorization, a server associated with the second user; assemble a data packet representing the portion of the transaction; transmit the data packet across a computer network to the determined server; and update a record associated with the first user and stored on the at least one server to reflect the transferred portion.

Abstract: The present disclosure relates to systems and methods for multicomputer data transferring in response to user input. In one implementation, a system for multicomputer data transferring may include at least one server configured to: receive, from a first user device, a command to transfer a portion of a transaction associated with a first user to a second user; in response to the command, transmit an inquiry to a second user device; receive, from the second user device and in response to the inquiry, an authorization for transfer; determine, based on the command and the authorization, a server associated with the second user; assemble a data packet representing the portion of the transaction; transmit the data packet across a computer network to the determined server; and update a record associated with the first user and stored on the at least one server to reflect the transferred portion.

Abstract: The present disclosure relates generally to systems and methods for facilitating micropayments between distributed, independent consumers and content creators. A computer-implemented method is disclosed related to enabling tips between at least one content consumer and at least one content creator, comprising: receiving, at a web application from a user interface, an intent to tip; sending, via the web application, a payment initiation based on the intent to tip to a processing service; generating, at the processing service, a payment event based on the payment initiation, wherein the payment event comprises payment data; and updating, at the processing service, at least one wallet based on the payment data.

Abstract: The present disclosure relates to payment technology. In one aspect, the present disclosure provides a method of processing a transaction. The method comprises receiving, from a user device, a transaction pairing request, the transaction pairing request comprising user account information of a user account. The method then transmits, to a receiving device, a plurality of transaction identifiers based on the transaction pairing request and receives, from the user device, a selection of one of the plurality of transaction identifiers. The method then associates the user account with a transaction record indicated by the selection of one of the plurality of transaction identifiers.

Abstract: Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.

Abstract: A validation system that includes a server and a validation terminal. The server is configured to receive location information for a mobile device and to determine the mobile device is at a registered location. The server is further configured to process a transaction for the products in a digital cart, to generate a barcode, and to encrypt the barcode using a private key linked with the registered location. The server is further configured to send the encrypted barcode to the mobile device. The validation engine is configured to scan the encrypted barcode using a barcode reader and to decrypt the encrypted barcode using the stored public key that is linked with the private key. The validation terminal is further configured to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.

Abstract: An NFC payment method includes: displaying, by a first terminal, a third-party payment application based on a preset trigger condition; and interacting with a second terminal by using the third-party payment application, to complete NFC payment.

Abstract: Disclosed are a method and an apparatus in which an electronic device, which does not have a payment function, determines an electronic device most suitable for a current situation among neighboring electronic devices having a payment function, and can provide the determined electronic device to user.

Abstract: An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server.

Abstract: Disclosed and described herein are systems and methods that bring together credit card and debit card technologies into a single, streamlined process that automates financial management utilizing software executing (e.g., an “app”) on a portable electronic device such as a smartphone and the like.

Abstract: Provided herein are payment systems, methods, and devices with customizable features. A user may select, modify, or remove one or more features from a payment system, method, and/or device. In some instances, the selected features may be visible to the user on the payment medium or instruments. The payment medium may be tangible, such as in the form of a card or other plastic material. The payment medium may be virtual, and accessible via one or more user devices via a user interface. For example, the user interface can be a graphical user interface (GUI) and/or a web-based interface. The payment system may be a mobile payment system.

Abstract: Techniques for improved asset management in an asset-based distributed ledger such as a blockchain system are disclosed. In one method, an asset balance structure is obtained, wherein the asset balance structure specifies asset balances, as of a given point in time, for a set of blockchain addresses associated with a blockchain system comprising blocks that reflect transactions associated with the assets. One or more transactions associated with the assets for any of the set of blockchain addresses that occur after generation of the asset balance structure are obtained. The one or more transactions associated with the assets that occur after generation of the asset balance structure are applied to the asset balance structure to generate an updated indication of the asset balances for the set of blockchain addresses. Advantageously, a given asset wallet stores the asset balance structure rather than the entire set of blocks of the blockchain system.

Abstract: A method and system for ownership and classification of digital currency. The method includes establishing identification to a digital currency unit, establishing identification to a user, establishing ownership of the digital currency unit to the user, and assigning a first category of use to the digital currency unit owned by the user. The method also includes receiving from the user a request for a purchase associated with the first category of use from a merchant using the digital currency unit owned by the user, changing the ownership of the digital currency unit used in the purchase from the user to the merchant in response to the purchase, and changing the first category of use of the digital currency unit used in the purchase to a second category of use in response to the purchase.

Abstract: Systems and methods for storing and managing blockchain transactions may include receiving a transaction request on a distributed ledger transaction machine that is part of a distributed ledger network including distributed ledger transaction machines, each storing an identical copy of a blockchain. The method may include extracting percentage allocations for each transaction in the transaction request as well as a set of identifying information indicating a charitable owner for at least one of the transactions. The method may further include recording a first transaction in a block on the distributed ledger transaction machine, which can be freely exchanged and transferred on the distributed ledger network and is unmarked, and a second transaction on the block on the distributed ledger transaction machine, including restricting the second transaction via a marking in the second transaction's data where the marking enables a centralized machine to control access and use of the second transaction.

Abstract: An encrypted payment message is received from a buyer relating to a transaction with a merchant. The payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The merchant identifying information is associated with at least a second parsing algorithm or at least one settlement algorithm. The payment message is parsed using the second parsing algorithm to obtain payment information for the transaction. A first settlement algorithm is applied to the payment information to determine an adjusted interchange rate. The payment information including the adjusted interchange rate is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. A second settlement algorithm applied to the payment information determines a buyer rebate which can be submitted to the settlement processor. A transaction result is reported to at least one of the merchant or the buyer.

Abstract: A method and a program for outputting a virtual code generated from a payment card, and a payment card for generating a virtual code are provided. The method for outputting the virtual code generated from the payment card includes receiving, by a virtual code output application, a virtual code from a payment card after connecting the payment card with a mobile terminal through short-range wireless communication, and outputting, by the virtual code output application, the virtual code on the screen.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: A communication channel enabling method includes establishing a first communication channel between a first computing system and a second computing system within a computer network. Electronic content is associated with a token generated using a blockchain. The electronic content and the token are transmitted from the first computing system to the second computing system, and a first record is created on the blockchain. The electronic content and the token are transmitted to a third computing system and a second record is created on the blockchain responsive to an instruction generated via the second computing system. A second communication channel is established between the first computing system and the third computing system, and a third record is created on the blockchain.

Abstract: A method for running a smart contract, performed by a processing node, is applied to a distributed network, and includes receiving a transaction sent by a consensus service node, where the transaction includes a plurality of running results generated in an endorsement process of the smart contract, checking whether the plurality of running results meet a verification policy, where the checking includes checking version numbers and data that are in the plurality of running results and that are generated by a program other than a restrictive condition in the smart contract, when the plurality of running results meet the verification policy, identifying the restrictive condition in the smart contract, and determining whether local ledger data meets the restrictive condition, and when the local ledger data meets the restrictive condition, accepting the transaction.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for performing authentication. One of the methods includes: obtaining audit data for authentication against operation information associated with an executed transaction; generating a digital abstract of the audit data; retrieving a digital abstract of the operation information from a blockchain; and determining authenticity of the audit data by verifying the generated digital abstract of the audit data against the retrieved digital abstract of the operation information.

Abstract: A transaction network comprising a plurality of party devices interconnected via a communication network, each party device corresponding to a transaction party. The transaction network facilitates localized creation and enforcement of a transferable promise involving an obligor and an owner, the obligor being required to perform an obligatory action upon the owner invoking the transferable promise. The transferable promise is encrypted and signed to protect its integrity, and is invocable only by the owner. The obligor further verifies the transferable promise upon its invocation to prevent a double-spend attempt. The transferable promise contains a continuation executed upon invocation to cause an executing device of the obligor to perform the obligatory action. The transferable promise is adapted to effect the delivery of a digital asset or digital representation of a physical asset, or the performance of a service, and may be transferred, assigned, and sold between transaction parties as an asset.

Abstract: A system for validating communications sessions among clients utilizes a ledger administration server to validate requests for communications sessions using smart contracts and recorded on a distributed ledger, with at least one session validation server capable of validating requested communications sessions communicating with said ledger administration server via messages, said communications sessions being validated and initiated in near real-time.

Abstract: A server includes a memory and a message processor. The memory stores a data record that includes a credential stored in association with an access restriction indicator, and further includes a cryptographic key. The processor is configured to receive from a network device an access request that includes the credential and a token. The token includes a first data layer and a second data layer that incorporates the first data layer and is encrypted with the cryptographic key. The processor is configured to determine that, prior to the access request, the credential was stored in the data record in association with the access restriction indicator; recover the first data layer from the token by (i) locating the cryptographic key in the data record, and (ii) decrypting the second encrypted data layer with the cryptographic key. The processor is configured to provide the network device with the first data layer.