Abstract: Embodiments of the invention are directed to a system, method, or computer program product for end-to-end resource visibility and tracking. In this way, an electronic tag is generated and distributed on a block chain network. The tag may identify a resource set and ultimately integrate with downstream systems for visualization of resource deposits and distributions within the bag. In this way, the invention provides a tool for a single source platform for tracking of status checks and digitized resource chain monitoring network. In this way, the invention creates a complete end-to-end digital fingerprint of physical resource tracking during a life cycle utilizing block chain technology with a distributed ledger to identify each touch point of the life cycle.

Abstract: A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Abstract: The disclosure relates an edge digital gate (“EDG”) configured with entitlement services, universal identity repositories, and connection concentrator functions. The universal identity repositories each include a shared cache that together with other shared caches form a shared data environment (“SDE”). The SDE provides a distributed and shared cache used to chain together EDGs for operation as a blockchain network. The SDE may be check-pointed by stateless Virtual Network Functions (“VNFs”) executing on the EDGs responsive to service demand and access, thus facilitating distributed consensus for validating each transaction. Through SDE the stateless VNFs disperse transaction-status based on a smart contract, which enforce transactions associated with blockchain-based digital services to which access is provided by the EDGs.

Abstract: Methods, apparatus, and processor-readable storage media for detecting cashback and other related reimbursement frauds are provided herein.

Abstract: An embodiment of the present invention is directed to applying token spend controls. A mobile device comprises a microprocessor, coupled to a memory component and an interface, configured to perform the steps of: identifying a payment card associated with the mobile device; generating a unique token based at least in part on a combination of the payment card and the mobile device; identifying one or more spend limits and controls placed on the payment card that is specific to an authorized user of the payment card; tracking the payment card usage by the authorized user; generating and displaying, via the interactive user interface, the payment card usage; and providing a notification when the payment card usage exceeds the one or more spend limits and controls.

Abstract: The invention relates to implementing rules based authentication for credit card transactions. The system and method may involve: receiving a transaction request associated with a card product from a user at a point of sale system; determining an authorization mode for the transaction request based on one or more transaction attributes; executing an authentication rule for the transaction request; transmitting an authentication request via the authorization mode based on the authentication rule; requiring an authorization input from the user responsive to the authentication request; and upon receiving a proper authentication input, verifying the user and proceeding with the transaction request.

Abstract: A method for implementing blockchain-based transactions includes: determining a to-be-remitted amount for each of a plurality of remitters participating in a transaction and a to-be-received amount for each of a plurality of receivers participating in the transaction, wherein the plurality of remitters include one or more real remitters, the plurality of receivers include one or more real receivers, and the plurality of remitters include one or more cover-up remitters and/or the plurality of receivers include one or more cover-up receivers; generating a commitment of the to-be-remitted amount corresponding to the each remitter and a commitment of the to-be-received amount corresponding to the each receiver; and submitting the transaction to a blockchain for execution, wherein the transaction comprises blockchain account addresses of the remitters and receivers, and the commitments of the to-be-remitted amounts and the to-be-received amounts.

Abstract: A method for implementing blockchain-based transactions comprises: determining a transaction amount to be remitted from a remitter's blockchain account into a receiver's blockchain account, wherein a balance of the remitter's blockchain account comprises multiple reserve balances, and commitments of the reserve balances are recorded in a blockchain; selecting one or more of the reserve balances from the remitter's blockchain account, wherein the sum of the selected one or more reserve balances is not smaller than the transaction amount; and submitting to the blockchain a transaction comprising an identification of each of the selected one or more reserve balances and a commitment of the transaction amount, for the selected one or more reserve balances to be removed from the remitter's blockchain account and the transaction amount to be added to the receiver's blockchain account.

Abstract: Some embodiments may provide systems, methods and computer program code to method to facilitate an interaction involving a user which include determining that a user authentication is required to complete the interaction, identifying at least a first verified device associated with the user, and transmitting an authentication message to the at least first verified device.

Abstract: Provided is a method that includes determining cuisine type classifiers based on merchant data, receiving transaction data associated with each payment transaction of a plurality of payment transactions involving a plurality of merchants and a plurality of consumers; determining, with at least one processor, a plurality of cuisine type labels based on a plurality of merchant names associated with the plurality of payment transactions or a portion of the plurality of payment transactions, wherein a cuisine type label identifies a cuisine type provided by a respective merchant of the plurality of merchants; generating a merchant cuisine type model from the transaction data to determine a cuisine type label of a merchant, the merchant cuisine type model based on the transaction data, and makes an inference based on a combination of merchant or consumer features associated with a payment transaction of the plurality of payment transactions; and automatically predicting one or more cuisine type classifications usi

Abstract: A device in a data processing system for training machine learning models receives a transaction and forwards it to at least one of a plurality of integrated control action models that use outputs of one model as inputs to other models. The models are machine learning models jointly trained for taking each control action of a plurality of control actions on the transaction to maximize an objective function based on probabilities of the control actions matching corresponding target control actions. The machine learning models include a risk model that outputs risk prediction information for a first control action that indicates whether or not to initiate processing of the transaction. The device further receives the risk prediction information from the risk model, and executes at least the first control action based on the risk prediction information.

Abstract: The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed.

Abstract: The present application discloses example methods, computer-readable mediums, and systems for controlling service operation risks. In one example, method, an application program on an end-user device monitors a service operation initiated by a user for invoking offline service information. After the service operation is monitored, it is determined whether the service operation is a risky operation based on recorded historical operation data and at least one of a predetermined risk evaluation rule or a risk evaluation model. In response to determining that the service operation is a risky operation, a refusal to invoke the offline service information is performed. In response to determining that the service operation is not a risky operation, the offline service information is invoked.

Abstract: A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.

Abstract: The embodiments of the present disclosure provide a method for selling a commodity, a vending machine and a storage medium. The method includes: acquiring an image of eyes of a user, determining based on the image of eyes a gaze point of the user within a commodity displaying plane matching a vending machine; determining, based on position coordinates of at least two commodities in the commodity displaying plane and the gaze point, an expected commodity corresponding to the user; providing commodity indication information of the expected commodity to the user; and in response to detecting purchase confirmation information fed back by the user for the commodity indication information, guiding the user to use at least one biological characteristic to finish payment for the expected commodity.

Abstract: A service processing method includes: receiving RF signals sent by at least one terminal device, the RF signals including at least one device identifier of the at least one terminal device; selecting an RF signal from the received RF signals, and determining a terminal device corresponding to a device identifier included in the RF signal as a target payment device; collecting first biometric feature information of a user using the terminal device; and after obtaining a verification result of a verification on the user's identity based on the first biometric feature information, sending a payment request to a server if the verification is passed, wherein the payment request is configured to request for completing payment based on a payment account corresponding to the target payment device.

Abstract: Embodiments for presenting real-time contact options are described herein. In example embodiments, as system identifies a number of user devices actively viewing a web page that includes a real-time contact option. The system then determines whether the number of user devices actively viewing the web page that includes the real-time contact option exceeds a predetermined limit. If the number of user devices actively viewing the web page that includes the real-time contact option exceeds the predetermined limit, the system prevents presentation, to a further user device, of the real-time contact option on the web page. Conversely, if the number of user devices actively viewing the web page that includes the real-time contact option does not exceed the predetermined limit, the system causes presentation of the web page with the real-time contact option to the further user device.

Abstract: Disclosed methods and systems improve search results by recency boosting customer support content for a customer self-help system associated with one or more financial management systems. The customer self-help system retrieves content relevance from a variety of sources, such as media outlets, taxation agencies and news feeds for the financial management system. The customer self-help system generates content relevance weights from the content relevance data, and applies the content relevance weights to customer support content maintained by the customer self-help system. In response to receiving a search query from a user, the customer self-help system provides relevant portions of customer support content that has been recency boosted (e.g., adjusted by the content relevance weights), to increase the likelihood that the customer support content provided to the user is relevant to the user's search query.

Abstract: To digitally manage product warranty periods and to prompt a user to sell a used product. Provided is a management server 100 comprising: a product table 121 which, for each user, stores information relating to a product possessed the user and a warranty period for said product; and a secondhand trader table 124 which, for each secondhand trader, stores information relating to a product for which the secondhand trader is able to compute a purchase price. Information is extracted from the product table 121 which relates to a product that has reached the end of the warranty period or has reached a predetermined time before expiry of the warranty period or a predetermined time after same. The terminal 400 of a secondhand trader being able to compute a purchase price for the product is notified of information relating to the product that has been extracted from the product table 121.

Abstract: A system and method for embedding response data to an on-line survey when soliciting feedback through the use of an on-line survey to user about an user experience to a software application service including: sending the on-line survey with response data included to aid the user in completing the on-line survey; embedding with response data pre-filled or predicted responses to at least one or more questions in the on-line survey by using an artificial intelligence (AI) model based on historical response data to on-line surveys and the response data predicted by algorithmic solutions from a set of data points and machine data designated within the software application service; and response time of providers to resolve the user requests during the software application service; and enabling the user to selectively agree or disagree with embedded pre-filled or predicted response data.

Abstract: A system and method using blockchain for monitoring and tracking customer service representative actions are disclosed. In the system and method, customer service representative actions are encrypted using an encryption key specific to a company on whose behalf the customer service representative is acting. The customer service representative signs the encrypted action with a private key of a public/private key pair. The signed, encrypted action record is placed on the blockchain, which can later be accessed to review the actions of the customer service representative or actions of any customer service representative acting on behalf of the specific company.

Abstract: A method and system is disclosed for modeling product data related to lifecycle of a product, including an application program interface configured to connect with one or more data sources of different types via one or more computer based product management tools. A digital twin graph is constructed to include a plurality of graphical models of product data with related nodes inter-linked by edges via a linking algorithm. Models of the digital twin graph include an ontological model having nodes of ontological information related to the product data, an instance model having instance nodes related to the product data, and a probabilistic model having conditional probability distribution nodes from which causal and predictive reasoning information is generated.

Abstract: Methods and systems for forecasting demand for a plurality of items are provided. In particular, the demand forecasting system and methods described herein are useful for predicting demand of products in a retail context. Forecast models are built and used to score incoming sales data to predict future demand for items. Forecast models are validated by evaluating actual demand against predicted demand and using that information to inform how future ensemble forecast will be generated. Forecasts may be broken down into smaller components to satisfy a variety of requests for data from client applications.

Abstract: Methods and systems for forecasting demand for a plurality of items are provided. In particular, the demand forecasting system and methods described herein are useful for predicting demand of products in a retail context. Forecast models are built and used to score incoming sales data to predict future demand for items. Forecast models are validated by evaluating actual demand against predicted demand and using that information to inform how future ensemble forecast will be generated. Forecasts may be broken down into smaller components to satisfy a variety of requests for data from client applications.

Abstract: Methods and systems for forecasting demand for a plurality of items are provided. In particular, the demand forecasting system and methods described herein are useful for predicting demand of products in a retail context. Forecast models are built and used to score incoming sales data to predict future demand for items. Forecast models are validated by evaluating actual demand against predicted demand and using that information to inform how future ensemble forecast will be generated. Forecasts may be broken down into smaller components to satisfy a variety of requests for data from client applications.

Abstract: A method, computer system, and a computer program product for voice activated inventory management is provided. The present invention may include recording an audio feed of a customer product query from a customer and a staff response from a staff member. The present invention may then include identifying a product requested by the customer. The present invention may also include identifying an inventory status in the staff response. The present invention may also include determining that a negative inventory status trigger is detected in the identified inventory status associated with the identified product requested by the customer. The present invention may further include, in response to determining that the negative inventory status trigger is detected in the identified inventory status associated with the identified product requested by the customer, storing, in an inventory database, a plurality of customer query data associated with the identified product requested by the customer.

Abstract: A method for display control executed by a display control device includes: acquiring, by the display control device, demand prediction information regarding prediction of demand for allocation of a vehicle in a prediction target area in units of block numbers of the prediction target area; and displaying, by the display control device, the demand prediction information acquired by the display control device on a display unit in a state of being superimposed on a map in the units of block numbers of the prediction target area.

Abstract: A demand prediction information display control method according to the present disclosure is a demand prediction information display control method that is executed by a demand prediction information display control device, and includes displaying demand prediction information and an icon indicating a position of a taxi on a map screen in a superimposing manner, setting, to a non-display, an icon corresponding to a taxi with a passenger, and displaying, with a traveling direction of the taxi, an icon corresponding to a taxi with no passenger.

Abstract: An information delivery method includes: a step of acquiring information on taxi dispatching performance at a taxi stand by collecting, on a taxi stand dedicated to a taxi company, location information and status information of a subject taxi of the taxi company and acquiring, on a taxi stand other than the taxi stand dedicated to the taxi company, data of a surrounding image captured by an image capturing unit provided in the subject taxi of the taxi company, and predicting demand for a taxi dispatch after a discretionary time at the taxi stand simultaneously; and a step of delivering the information on the taxi dispatching performance and information on predicted demand for the taxi dispatch at the taxi stand.

Abstract: Disclosed is a system and method to collect data from a plurality of data sources to quantify the sentiment of users and predict objective outcomes. The method includes the step of collecting sentiment data from the first data sources associated with the user to determine an opinion of the user pertaining to products, and services through a sentiment analysis module. The method includes the step of collecting action data from the second data sources associated with the user to determine the behavior of the user through a behavioral analysis module. The second data sources include social media platforms, digital shopping platforms, and native applications. The method includes the step of collecting demographic data of the user from the third data sources to determine the profile of the user through a demographic profiling module. The third data source comprising a telecom server.

Abstract: Methods and systems are provided for preventing user churn. The method may include retrieving historical data associated with a first plurality of users. The method may also include, for each user of the first plurality of users, determining a first feature vector of the user based on the historical data associated with the user, and determining a churn probability of the user by inputting the first feature vector of the user into a prediction model. The method may further include, for each user of the first plurality of users, assigning, based on the determined churn probability of the user, the user to one of a plurality of predetermined groups, each of which is associated with a user retention strategy. The method may also include, for each user of the first plurality of users, determining a user retention operation for the user based on the user retention strategy associated with the predetermined group that the user is assigned to, and performing the user retention operation on the user.

Abstract: In some embodiments, the systems and methods obtain parameters for a set of mobile devices (or, other items), such as volume information, price information, and perceived value information for each mobile device within the set of mobile devices. The set of mobile devices may be a tier of substitute mobile devices that each affect consumer demand of other mobile devices within the set of mobile devices. The systems and methods may then determine substitution factors for the obtained parameters associated with the set of mobile devices, generate a substitution forecast for the set of mobile devices that is based on the substitution factors determined for the obtained parameters associated with the mobile devices, and determine a consensus forecast for the set of mobile devices that adjusts a baseline forecast for the demand of the set of mobile devices using the substitution forecast.

Abstract: A group marketing system, a group marketing device and a group marketing method thereof are provided. The group marketing system includes a data collecting device and a group marketing device. The data collecting device has a connection with the group marketing device and is configured to collect group data. The group marketing device is configured to store specific product customer data, receive the group data, generate group relation data according to the group data, generate group preference analysis data according to the group relation data and the specific product customer data, generate product data according to the group preference analysis data, and transmit the product data to an electronic device.

Abstract: In a method for providing discounts to influencers, a discount engine uses the credential information of an influencer to verify the identity of the influencer and access information relating to the followers of at least one of the influencer's social media accounts. The discount engine provides the influencer with a code to share with the followers to track purchases of one or more inventory items. Based on the purchases made by the followers using the code, the discount engine provides the influencer with a discount on an inventory items. The discount engine triggers provision of the inventory item to the influencer.

Abstract: A method, computer system, and/or computer program product for providing at least one merchandiser incentive to at least one customer. The presence of at least one tagged merchandise may be determined to be in possession of the at least one customer. Activities of the at least one customer with the at least one tagged merchandise may be monitored. Based on a gamification analysis of the activities of the at least one customer, the at least one merchandiser incentive may be generated to be sent to a user device of the at least one customer.

Abstract: An assessment method which is capable of appropriately assessing review ability of a reviewer and a reward setting method which is capable of appropriately setting a reward to be paid to the reviewer are realized. A computer includes a memory and a controller, and the controller executes efficiency evaluation processing of evaluating review efficiency of a reviewer to be assessed in accordance with a predicted review period of each piece of electronic data and an actual review period, accuracy evaluation processing of evaluating review accuracy of the reviewer to be assessed by examining a review result by the reviewer to be assessed, and assessment processing of assessing review ability of the reviewer to be assessed in accordance with the review efficiency evaluated in the efficiency evaluation processing and the review accuracy evaluated in the accuracy evaluation processing.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.

Abstract: A mobile registration apparatus includes a code reader, a display, and a processor. The code reader is configured to read a customer identification code symbol to obtain a customer identifier and read a commodity identification code symbol to obtain a commodity identifier. The processor is configured to obtain an accumulated reward points value stored in association with the customer identifier, perform registration of the commodity corresponding to the commodity identifier, calculate estimated reward points based on a total sales price of currently registered commodities, and control the display to display the accumulated reward points value and the estimated reward points.

Abstract: Systems, methods, and apparatuses for implementing commerce rewards across tenants for commerce cloud customers utilizing blockchain technologies in conjunction with a cloud based computing environment are described herein.

Abstract: Systems and methods for facilitating payments and reward tracking are disclosed. In one embodiment, in a merchant information processing apparatus comprising at least one computer processor, a method for facilitating customer payments and reward tracking may include: (1) providing an interface for accessing a financial institution backend in a merchant interface; (2) receiving user information from the financial institution backend; (3) generating a merchant loyalty account for the user based on the user information received from the financial institution backend; and (4) providing merchant loyalty account information to the financial institution backend.

Abstract: The system and method for a cash back reward program utilizes and incentivizes the owner-renter relationship and encourage renters to become long-term renters. The cash back reward will vest when the renter satisfies a minimum required term. Payments are confirmed using a ledger of a renter's account expenditures, with a specialized algorithm to include edge-cases where a payment is made partially, late, or omitted.

Abstract: A system that includes at least one handheld device having a software application installed thereon. The software application programmed to: (i) fetch identifiers for wireless network zones in which the at least one handheld device is within; (ii) compare the identifiers for wireless network zones in which the at least one handheld device is within to stored identifiers for wireless network zones associated with the software application; and (iii) if a match is found, perform an instruction.

Abstract: A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger.

Abstract: The present system provides a user remuneration in exchange for participation in a qualifying event. The system has an internet interface for interacting with a plurality of users and a plurality of advertisers, an account database; and a token generation module. The token generation module is configured such that when a user encounters a qualifying event on the internet as presented by the advertiser, the token generation module, upon login by the user, delivers an authentication token to the advertiser. When the user finishes the qualifying event, the authentication token is authenticated by the advertiser and returned to the system, such that the system can account for a remuneration for the user to be credited in an account associated with the user in the account database.

Abstract: Systems, methods, and apparatus are disclosed for providing instant rebates before a transaction is completed. This involves ingest of customer and rebate data from two or more utilities, where the data is parsed and normalized into a standard format across all of the utilities. The customer data is then stored in an accounts database, while the rebate data is further processed along with utility rebate rules to determine a set of rebate eligibilities for a variety of scenarios. The resulting rebate profiles can be stored in a rebates database and linked to corresponding customer account data in the accounts database. Third-party frontends can then request rebate eligibility based on a customer identifier and retail channel, and various services can work in tandem to query the rebated database and return a set of eligibilities with so little latency that the eligibility check appears instant from a customer's standpoint.

Abstract: Techniques are provided for automatically adjusting a resource reduction amount based on resource availability and other factors. The following are determined for a content delivery campaign: a winning distribution for a target audience of the content delivery campaign, a through rate distribution of the content delivery campaign, a resource allocation of the content delivery campaign, and an estimated number of content item selection events in which the content delivery campaign will participate in a future time period. Based on these values, a resource reduction amount is determined. An example of a resource reduction amount is an effective cost per impression. The resource reduction amount is used in one or more subsequent content item selection events in which the content delivery campaign participates.

Abstract: Methods and apparatus for delivering content to an audience member via one or more mediums based on an audience member profile are disclosed. Profile data for audience members may be initially collected from an offline source, such as a registration or subscription database. The profile data may be stored in a dedicated database. The initial profile data may be supplemented periodically with data reflecting online activity by the audience member. The combined offline and online profile data may be used to group the audience members into segments. Audience member segments may be used to identify audience members who are targeted to receive like content. An audience member's inclusion in a segment may be indicated by storing a segment-targeting cookie on the audience member computer. Content may be delivered to the audience member based on identification of the segment in the segment-targeting cookie.

Abstract: A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction.

Abstract: Systems and methods are provided for automatically generating and maintaining user profile cookie sets. The user profile cookie sets may be used by a web crawler when gathering data such as advertisement data associated with one or more websites. The cookie sets may be generated by choosing a user profile with a set of user traits, selecting a set of websites related to the user traits, and browsing the selected set of websites using a web crawler while allowing the website to place cookies in storage of the web crawler. The cookie sets may be maintained by selecting a website to browse, selecting a user profile associated with the selected website, loading a previously generated cookie set for the selected user profile into the storage of a web crawler, and loading the webpage while allowing the website to place, update, or replace cookies in the storage of the web crawler.

Abstract: A method of dynamically expanding an online advertisement campaign in a VR environment comprising: receiving an advertisement request from a website loaded by a client device for VR presentation a VR environment on a VR display to a user using a VR user interface to navigate in the VR presentation, the advertisement request comprises a request to present an advertisement items to the user currently presented with at least a portion of a certain page of the website, selecting a presentation location in the page for embedding a presentation symbol correlated with a selected advertisement item and responding to the advertisement request with an instruction to embed the presentation symbol in the presentation location. Wherein the presentation location is selected to be discoverable by the user according to a discovery difficulty level calculated based on campaign parameter(s) defined by campaign rule(s) extracted from a campaign policy associated with the website.