Abstract: A method includes generating, by a marketplace server of an exchange item marketplace network, exchange item security parameters for an exchange item. The method further includes sending the exchange item security parameters to a first computing device. The method further includes receiving a redistribution request regarding the exchange item from the first computing device, where the request indicates redistributing at least a portion of the exchange item to a second computing device, where the redistribution request includes dynamic exchange item information generated by the first computing device. The method further includes verifying the dynamic exchange item information received from the first computing device. When the verification is favorable, the method further includes generating second exchange item security parameters for the second computing device regarding the at least the portion of the exchange item.

Abstract: A computer-implemented method of facilitating payments from a device includes binding the device with a device payment account. Binding includes establishing operative communication between a hub of a local network and the device, transmitting a device identifier to the device, and creating a device profile for the device. The device profile includes spending controls and a duplicate device identifier. A payment request is received from the device. The payment request includes a payment request indicator and the device identifier. The device is authenticated if the device identifier received with the payment request matches the duplicate device identifier. Upon authenticating the device, payment parameters are determined based on the payment request. It is verified that the payment parameters do not violate the spending controls. Upon verifying that the payment parameters do not violate the spending controls, a payment is transmitted to a recipient based on the payment parameters.

Abstract: Disclosed are various embodiments for using aggregated transaction accounts to make purchases. A transaction authorization request for a transaction is received from a merchant device, the transaction authorization request comprising an aggregated transaction account identifier, a transaction amount, and a merchant identifier. Multiple linked transaction accounts associated with an aggregated transaction account identified by the aggregated transaction account identifier are then identified or selected. At least a portion of the transaction amount is debited from each of the multiple linked transaction accounts. Then, an authorization response is sent to the merchant device, the authorization response indicating that the transaction is authorized for the transaction amount.

Abstract: Disclosed are various embodiments for using aggregated transaction accounts to make purchases. A transaction authorization request for a transaction is received from a merchant device, the transaction authorization request comprising an aggregated transaction account identifier, a transaction amount, and a merchant identifier. Multiple linked transaction accounts associated with an aggregated transaction account identified by the aggregated transaction account identifier are then identified or selected. At least a portion of the transaction amount is debited from each of the multiple linked transaction accounts. Then, an authorization response is sent to the merchant device, the authorization response indicating that the transaction is authorized for the transaction amount.

Abstract: Systems, methods, and storage media for payment collection are disclosed. An example method comprises: obtaining, at a code scanner, payment account information comprised in a payment code of a purchasing user by scanning the payment code; sending, at the code scanner, the payment account information to a processor; determining, at the processor, a payment amount due, to construct a payment request comprising the payment amount due, the payment account information, and the device identifier; sending, at the processor, the payment request to a communication module; and sending, at the communication module, the payment request to the target server for the target server to, according to the payment request, deduct the payment amount due from a payment account of the purchasing user corresponding to the payment account information, and add the payment amount due to the payment receiving account corresponding to the device identifier.

Abstract: A method for payment authorization includes receiving, from a payer device registered with a payer identification merchant identification and transaction information transmitted to the payer device from a merchant device registered with the merchant identification and the payer identification. The method further includes deriving a transaction request from the payer identification and the transaction information; transmitting the transaction request to an acquirer system, receiving an authorization from the acquirer system for a transaction referred to by the transaction information and transmitting transaction approval codes for the transaction to the merchant device based upon the authorization.

Abstract: In some implementations, a printing system may include a card printer that includes a printing controller and a marking device. The card printer may be configured to receive a first printing instruction or a second printing instruction associated with printing an account identifier on a card. The card printer may receive one of the first printing instruction or the second printing instruction based on whether a risk score, associated with the account identifier, satisfies a threshold. The card printer may print a full account identifier, associated with the card, on a surface of the card based on receiving the first printing instruction. The card printer may print the card without the full account identifier on the surface of the card based on receiving the second printing instruction.

Abstract: There are provided systems and methods for a machine learning model for probabilistic anomaly detection in streaming device data. A server obtains a plurality of features associated with a user interaction between a user device and the server. The server selects a combination of features from the plurality of features, where the combination of features comprises features having a variance of expected values that exceeds a threshold variance. The server selects a prediction engine to process the combination of features with a corresponding non-parametric statistical model of a plurality of non-parametric statistical models and to generate a prediction indicating a likelihood that the combination of features represents an anomaly corresponding to fraudulent activity. The server issues a remedial action to the user device through an application programming interface with a remedial action engine based on the prediction for applying the remedial action on the user interaction.

Abstract: There are provided systems and methods for actionable insight into user interaction data. A service provider server can access user interaction data associated with an interaction between a first communication device and the service provider server, and generates feature representations of the user interaction data, in which the feature representations respectively correspond to extracted features that include textual data features or audio data features. The service provider server can determine an intent of the interaction from the feature representations using a machine learning-trained classifier, in which the intent corresponds to a first actionable insight category. The interaction is mapped to a first cluster based on the intent, and the service provider server issues a remedial action for the interaction based on the mapping of the interaction to the first cluster, in which the remedial action is associated with a particular type of activity in the first actionable insight category.

Abstract: A multi-task hierarchical machine learning model is configured to perform both a decision task to predict a decision result and an explanation task to predict a plurality of semantic concepts for explainability associated with the decision task, wherein a semantic layer of the machine learning model associated with the explanation task is utilized as an input to a subsequent decision layer of the machine learning model associated with the decision task. Training data is received. The multi-task hierarchical machine learning model is trained using the received training data.

Abstract: The present invention provides a method, an apparatus, and a system for transmitting and receiving information by using a QR code. The method can receive a first QR code including second terminal identification information from a second terminal, transmit the second terminal identification information to a server, receive, from the server, encryption information of the second terminal on the basis of the second terminal identification information, generate first terminal encryption information by using encryption information of the second terminal to encrypt encryption information of a first terminal, transmit the first terminal encryption information to the second terminal, receive, from the second terminal, a second QR code that is generated on the basis of the first terminal encryption information and that includes information data, and obtain the information data by using decryption information of the first terminal to decrypt the second QR code.

Abstract: Systems, computer program products, and methods are described herein for dynamically re-authenticating a virtual resource. The present invention is configured to receive an indication that a user has initiated an execution of one or more resource transfer requests using a virtual resource; determine one or more resource usage metrics associated with the virtual resource; determine one or more conditions associated with the use of the virtual resource; determine that the one or more resource usage metrics meets the one or more conditions associated with the use of the virtual resource; automatically initiate a virtual resource re-authentication protocol; transmit an authentication request to re-authenticate the virtual resource; receive an authentication response from the user in response to the authentication request; and re-authenticate the virtual resource based on at least validating the authentication response received from the user.

Abstract: Embodiments of the present disclosure provide for reduced-reliance onboarding with respect to a service provider application, including but not limited to vehicle service provider applications. Embodiments provide a custom onboarding message that enables onboarding of at least one data object via access, by a user device, of the custom onboarding message with reduced-reliance.

Abstract: There is provided an assessment tool for online platforms. The tool trains consumers to be assessors, vis-a-vis national regulations, international standards and best practices. The assessors complete an assessment of an online platform by comparing merits of the online platform against international standards. The assessors may be compensated. A report can be produced based on the assessment; the report can be displayed so that a third party (consumer, regulator, investor, partner, etc.) can determine the legitimacy and viability of the online platform. A mark of trust is provided to the online platform.

Abstract: A computerized system for verification and management of a digital asset, including an immutable digital asset, comprising: a computer system a sensor and a set of non-transitory computer readable instructions that can include instructions adapted for: receiving a digital asset from a creator of the digital asset; receiving significant information wherein the significant information is taken from a group consisting of date, time, event, individual, team, organization, notation, and any combination thereof; receiving identification information using the sensor of the creator; retrieving location information representing a physical location where the identification information is received, and the computer system is located; retrieving date and time information from the computer system; creating a digital asset record that includes a unique identifier associated with the digital asset, identification information, location information, and date and time information; and storing the digital asset record on the pe

Abstract: A log file including prediction information specifying a local advertisement content allocation amount and a general advertisement content allocation amount over a predetermined duration of time is received. A chronological schedule designating media content spots and advertising spots for the predetermined duration of time is also received. It is determined that a sold amount of local advertisement content during a particular time period, which is less than the predetermined duration of time, is insufficient to fill the local allocation during that time period, A portion of the local allocation is reallocated to the general allocation for the particular time period, while leaving the local and general allocation amounts unchanged over the predetermined duration of time. A program log is generated in accordance with the prediction information and the reallocating.

Abstract: A financial institution computing system includes a contextual data analysis circuit and a service customization circuit. The contextual data analysis circuit is configured to receive a message from a user device of a customer. The contextual data analysis circuit is further configured to extract contextual data from the received message. The contextual data analysis circuit is further configured to determine one or more of an emotional state of the customer and a reason for the message based on the extracted contextual data of the message. The service customization circuit is configured to perform a financial service for the customer based on at least one of the determined emotional state of the customer and the reason for the message.

Abstract: Systems, methods, and devices for tracking and managing data shared with third parties are disclosed. In one embodiment, a method including: retrieving data collection and usage policies of an entity; processing the data collection and usage policies with a natural language processing (NLP) model; generating, by the NLP model, predictive data collection and data usage attributes; generating a feature vector from the predictive data collection and data usage attributes; processing the feature vector with a graph neural network; storing data structured as a graph including the entity and the predictive data collection and data usage attributes; and processing the data structured as a graph with a classifier model that labels the entity as a first node in the data structured as a graph and predicts an edge to a second node in the data structured as a graph based on the predictive data collection and data usage attributes.

Abstract: A system is described that generates insights on the consumption or usage behavior of a product by analyzing the real-time usage of the product by one or more users. The product is placed on the measuring device for continuous monitoring of the usage of the product by those one or more users in real-time. The measuring device includes a sensor unit that generates weigh data, motion data, location data, and time consumed data of the product and transmits to a computing device. A communication device records the consumption or usage of the product by a user, along with feedback from the user. The computing device generates insights based on the sensed data generated by the measuring device, and recording and feedback at the communication device. The computing device generates reports—one for the user, and one for a merchant of the product and/or similar products—including respective insights.

Abstract: A method and system for providing interactive questionnaires is presented. The questionnaire includes a number of prompts for personal information together with compelling information that is presented during the questionnaire. The compelling information may be predetermined and/or be based on personal information provided from previous questions. The compelling information is related to the purpose of the questionnaire, such as selling real estate, selling merchandise, arranging for the providing of services, or diagnosing a medical condition, and is intended to provide the user with information that engages the person answering the questionnaire.

Abstract: A method for managing a skin care system. The skin care system includes circuitry to receive skin information from a user. The circuitry determines treatable skin conditions based on the skin information. The skin care system generates severity information and cosmetic formulation compatibility information based on the treatable skin conditions. The skin care system is further able to virtually display user-specific compatible cosmetic formulations based on at least one parameter associated with the severity information and cosmetic formulation compatibility.

Abstract: Embodiments of the present disclosure relate to a method, apparatus and computer-readable storage medium for data processing. The method may comprise: obtaining feature data for characterizing a plurality of factors of a user set, the plurality of factors comprising a target factor. The method may further comprise obtaining a condition factor from the plurality of factors based on the feature data, the obtained condition factor being a cause of the target factor. The method may further comprise determining a user having the condition factor from the user set. According to the technical solution of the present disclosure, accurate user positioning and strategy formulation may be realized based on the discovery of a high-dimensional causal structure. In addition, according to the technical solution of the present disclosure, information such as the user's satisfaction degree can be simulated without performing cumbersome and inefficient questionnaire surveys.

Abstract: Automatic generation of individual item listings from a bulk listing is described. Bulk listing data associated with a bulk listing is obtained from a storage device associated with a listing system. The bulk listing data is processed to extract individual item information for individual items of the bulk listing. A plurality of individual item listings for the individual items of the bulk listing are automatically generated by populating the individual item listings with the respective individual item information extracted from the bulk listing data. In one or more implementations, relisting predictions for the individual items of the bulk listing are automatically generated and displayed in a graphical user interface.

Abstract: A transportation system is made up by a plurality of contiguous geographical cells. The effective availability of service for transportation service users is calculated on the basis of the number of eligible transportation service providers located in one or more of the geographical cells. The calculations may take into account a distance between each service provider and the users.

Abstract: A mobile object management device includes a control unit configured to calculate an incentive which is provided to a user when the user moves a motor-driven mobile object that is driven by a battery to a charging station configured to charge the motor-driven mobile object based on a state of charge of the battery. The control unit is configured to output information on the motor-driven mobile object and information on the incentive to a terminal device in correlation.

Abstract: A coupon management device includes a network interface configured to communicate with a payment terminal installed at a store, and a processor configured to upon receipt of transaction data of a transaction settled by the payment terminal and identification information associated with the store, select one or more coupons based on the transaction data, based on the identification information, determine a number of coupons to be issued from the payment terminal, generate print data of the determined number of coupons among the selected coupons, and control the network interface to transmit the generated print data to the payment terminal.

Abstract: Systems and methods for generating an advertising-elasticity model using natural-language search are disclosed. The systems and methods generate a mapping function that generates a reduced set of user topics based on user-supplied tags, and uses the user topics to derive an estimate of advertising elasticity for a given advertising activity.

Abstract: A disclosed example includes memory; instructions in the apparatus; and processor circuitry to execute the instructions to: monitor for a mobile device communication at a merchant location; obtain a first identifier from the mobile device communication obtained at a first server in response to identifying the mobile device communication during the monitoring; store the first identifier in association with the merchant location in a database; and in response to determining that the first identifier is present in the database, send an association between the first identifier and the merchant location to a second server of an audience measurement entity, the first identifier included in a second communication from the second server of the audience measurement entity.

Abstract: In some examples, a computer-implemented method of managing an advertising exchange is provided. The method uses email data and provides an interactive user interface for controlling management of data in an email channel. One or more inputs of online audience data is received. The online audience data includes email channel inventory from multiple publishers, Offline audience data including offline shopping behavior is sourced from at least one or more offline source. The online audience data and the offline audience data is included in a unified customer database, and the interactive user interface includes interface elements selectable to present online and offline audience data sourced from the unified customer database.

Abstract: A system and method for advertising cannibalization management are provided. In example embodiments, historical data comprising advertisement revenue, advertisement parameters, and a cannibalization metric are accessed. The cannibalization metric is indicative of sales loss associated with an advertisement presentation. A value for at least one of the advertisement parameters that, when used, causes a desired advertisement revenue with respect to a bounded cannibalization metric is determined by analyzing the historical data. An advertisement is presented, in real time, on a user interface of a client device using the determined value.

Abstract: In embodiments, a digital anthropology and ethnography system is disclosed. In embodiments, the digital anthropology and ethnography system automates marketing-related tasks, such as customer segmentation, topic modeling, and media planning. In embodiments, the digital anthropology and ethnography system is configured to perform analytics related to a set of media assets, including images captured by a self-contained photography studio system.

Abstract: The present application relates to a shelf interaction method and a shelf. The shelf is provided with at least one image capturing device. The method includes: capturing an image of the shelf through the at least one image capturing device; in response to detecting that a first position on the shelf is changed from presence of a first item of goods to absence of the first item of goods according to the image, identifying a first category of the taken-away first item of goods; in response to that a second goods category associated with the first position is the same as or different from the first category of the taken-away first item of goods, sending first prompt information to indicate that the first item of goods is taken away.

Abstract: Methods, systems and computer program products for submitting a network proxy bid and replacing the network proxy bid with an actual bid associated with advertisement placement are described. In some implementations, instead of submitting a static bid, an advertiser can submit a network proxy bid to an advertising exchange. A network proxy bid can indicate to the advertising exchange that the advertiser wishes to receive a call back from the advertising exchange when an impression matching targeting criteria specified by the advertiser becomes available. The advertiser then can calculate and submit an actual static bid to replace the network proxy bid in response to the call back.

Abstract: An ad collision machine can be configured to evaluate collision queries for possible ad collisions and is associated with an ad datacenter configured to evaluate and respond to bid requests on behalf of a plurality of advertisers. The ad collision machine can comprise a plurality of nodes and a data cache containing a plurality of user ID—campaign ID keys representing recently submitted bids in response to bid requests. Once a selected node receives a collision query, a user ID—campaign ID key is retrieved from the collision query. If the first key is not found in the data cache, it is written to the data cache by the node and the ad collision machine returns that user ID—campaign ID pair as available to be bid on.

Abstract: A call to action processor receives an entity datapoint containing data related to an entity, a campaign objective datapoint containing data associated with a campaign objective, at least one definite script element based on the campaign objective, and entity metadata containing data associated with the entity. The call to action further performs generating at least one variable script element based on the entity metadata, presenting to a device the at least one definite script element the at least one variable script element.

Abstract: A method of delivery of information from a provider to at least one user via an invitation link at a web-conference environment is disclosed, such method including steps of activation of the invitation link by the at least one user, delivery of information to the at least one user in at least one predefined time interval.

Abstract: A property management device that is configured using a computer and manages at least one of a tangible property and an intangible property managed by a user includes: a property information storage unit configured to store property identification information for identifying a property managed by the user and user information for identifying the user who manages the property; a publication management unit configured to manage publication of at least one of the property identification information and the user information; a transaction application information storage unit configured to store transaction application information including application information for acquisition or renting of the property identified by at least one of the property identification information and the user information publicized by the publication management unit; and a property evaluation unit configured to calculate a market value of the property identified by at least one of the property identification information and the user in

Abstract: A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. The facility obtains valuation for the distinguished home by applying to the received home attributes evaluation model for homes in the distinguished geographic area that has been trained using selling price and home attribute data from homes recently sold in the distinguished geographic area. The facility reports the obtained valuation for the distinguished home.

Abstract: Digital content text processing techniques are described. In one example, a text corpus is extracted from digital content and text corpus keywords are identified that are included in the text corpus. A plurality of clusters is formed based on the text corpus keywords. Cluster scores are generated for reviews that define a probability the review belongs to a respective cluster, e.g., based on review keywords extracted from the reviews. Sentiment values and sentiment weights are also generated. The sentiment values describe a sentiment that each of the reviews exhibits towards a respective cluster, e.g., a type of sentiment such as positive, neutral, or negative. The sentiment weights describe an amount of weight to be applied for each sentiment with respect to that cluster. The service provider system then generates ranking scores based on the cluster scores and the sentiment scores which are used to control output of the reviews.

Abstract: Methods, systems, and devices for venue rating systems and matching consumers with venues that track the consumer's preferences for venue vibes and other criteria are described. The systems and methods include multiple components, include use of real-time video inputs, which allow consumers and businesses to analyze a venue in real-time and help measure and/or determine an experience or other criteria associated with that venue, use of venue level experience metrics, which enable the business associated with the venue to describe an intended experience, vibe and/or other criteria associated with the venue, and use of product and/or service level experience metrics, which allow similar discussion as the venue level experience metrics, but typically on a smaller scale.

Abstract: One or more systems and/or techniques for collecting and/or presenting reviews and/or ratings associated with items are provided. A request to perform a review procedure for a first item is received. In response to receiving the request, a first target profile associated with the first item is generated. A second client device associated with a first reviewer displays a review platform interface including one or more selectable inputs associated with one or more items. A first selectable input is associated with the first item. A request to review the first item is received from the second client device via a selection of the first selectable input. Based upon the first target profile and a first reviewer profile associated with the first reviewer, it is determined that the first reviewer is associated with a first target audience of the first item. Review instructions are transmitted to the second client device.

Abstract: A system and computer-implemented method for processing images of a damaged vehicle and estimating a repair cost of the damaged vehicle includes receiving image data of a vehicle from a user mobile device. The image data is processed to determine whether one or more parts of the damaged vehicle are damaged. In addition, one or more parts of the damaged vehicle are identified for repair and one or more parts of the damaged vehicle are identified for replacement. A cost associated for the repair of each of the one or more parts of the damaged vehicle for repair is estimated based on estimated repair cost data contained in a parts repair database. Moreover, a cost associated with the replacement of each of the one or more parts of the damaged vehicle for replacement is determined based on replacement cost data contained in a parts replacement database.

Abstract: Methods, systems, and apparatus for improving accuracy of mobility technology. The system includes a vehicle having a fuel sensor configured to detect fuel data indicating vehicle fuel efficiency, and an electronic control unit (ECU) configured to communicate the fuel data via a transceiver. The system also includes a remote data server configured to receive the fuel data from the vehicle, determine a baseline cost associated with a transportation request, and increase or decrease the baseline cost based on the fuel data to determine an adjusted cost. The system also includes a mobile device configured to receive the adjusted cost and render a user interface including the adjusted cost.

Abstract: A system and method for connecting hair and beauty consumers directly with individual service providers, and more particularly to an automated system and method for allowing consumers and individual service providers to directly interact via a plurality of online mobile platforms. The system comprises a mobile computing device configured to receive user input data from a user at the mobile computing device, receive third-party data from individual service providers at the mobile computing device, and create a list of available individual services providers that meet a set of selected requirements of a user at the mobile computing device, wherein the list of available services is based at least in part on the user input data and the third-party data.

Abstract: A system for providing biometric data to a user device. The system includes an electronic processor, the electronic processor configured to receive, from a remote device, biometric data for a user and create a biometric token for the user based on the biometric data. The electronic processor is also configured to transmit the biometric token to a global token repository, periodically create, for a user device, an update package including a subset of updated biometric tokens from the global token repository that are associated with one or more programs associated with the user device, by identifying one or more updated biometric tokens in the global token repository associated with a program GUID of a program of the one or more programs, and transmit the update package to the user device when the user device is next in communicative contact with the electronic computing device.

Abstract: Social network initiated listings can be implemented by using keyword extraction of a social network post containing a sell code. The extracted keywords can be categorized using a machine based categorization system. The listing user account of the post creator can he identified using active session analysis. A listing is created using the listing user account. A new post that contains a URL to the listing is then programmatically published on the social network.

Abstract: In one example, a content catalog system may process a bulk set of errors to prioritize those errors that may benefit from manual review by a human error administrator. A catalog quality management sub-system of the content catalog system may receive an error output describing a catalog error for a product aspect of a product in a content catalog from an error detection module. The catalog quality management sub-system may categorize the catalog error by a degree of human interaction with an error fix determined from an error metric in the error output. The catalog quality management sub-system may apply an error fix to the catalog error based on the degree of human interaction.

Abstract: A method includes receiving a request to initiate a group gift indicating a gift date on which the group gift should be sent to a receiver of the gift. The method further includes determining, electronic devices to send invitations to contribute to the group gift and sending the invitations to the electronic devices. The invitations prompt a user to respond with a single action whether the user would like to contribute or not. The method further includes receiving responses from the electronic devices indicating an approval to contribute to the group gift or a refusal to contribute to the group gift. The method further includes initiating a physical gift purchase as part of the group gift and sending a message to a gift receiver electronic device that includes information about a monetary gift.

Abstract: Systems and methods for use with a service provider and a consumer electronic device include a trusted remote attestation agent (TRAA) configured to perform a set of checking procedures or mechanisms to help ensure the security status of a consumer electronic device (e.g., a mobile terminal or phone) that holds financial instruments. The checking procedures may include: self-verifying integrity by the TRAA; checking for presence of a provisioning SIM card (one that was present when the financial instruments were enabled on the device); checking that a communication connection between the consumer electronic device and the service provider is available and active; and checking that communication connectivity to a home mobile network is available and active. The frequency of the checking mechanisms may be adjusted, for example, according to a risk-profile of a user associated with the device or the location (e.g., GPS location) of the device.

Abstract: A plurality of inventory sets at various travel locations have their inventory contents communicated to a remote server computer. Travelers interact with the server computer, such as utilizing smart phones or other mobile computing devices through the Internet. Travelers can view inventory available at travel locations of interest, such as a traveler's destination, which could be a hotel or other temporary residence, or an intermediate destination for the traveler such as a rental car facility or a seat or cabin on an airplane, bus, train, vessel or other common carrier. Travelers can select item(s) for purchase (or rental) and make payment through interaction with the server computer. The server computer sends instructions to a delivery agent with access to the inventory at the travel location, and at least one ordered item is delivered to the traveler's destination.