Abstract: Systems and methods are provided for coordinating decisions between noncommunicating parties using quantum physics. The procedure includes recognizing and identifying features of a coordinating decisions between non-communicating parties (CDNP) problem, expressing these features in a precise and mathematical manner, finding a solution using quantum states and measurements, and physically implementing the solution. Since quantum mechanics can violate Bell inequalities, quantum solutions to a CDNP problem have advantages over non-quantum solutions.

Abstract: The present disclosure relates to a method and system for validating tasks in a change management process. A change request associated with one or more tasks is received. The change request may be defined through one or more attributes. Status of each task of one or more tasks is tracked. The tracking checks competition of each of the task associated with the change request and based on the tracking status of each of the task status of the change request is updated.

Abstract: A method and system for managing and sourcing materials and services for energy retrofit projects. An electronic energy retrofit project portal provides real-time designing, specifying, searching, pricing, quoting, ordering, and tracking of energy audit project materials and services required for a desired energy retrofit project. The functionality of the electronic energy retrofit project portal is available in real-time directly and from within existing design programs that create and provide energy audits and available as a standalone portal.

Abstract: Systems and methods to facilitate interaction with a collaboration environment based on assignment of project-level roles are described herein. Exemplary implementations may: manage environment state information maintaining a collaboration environment; obtain role information specifying roles of the users within units of work and projects; update the environment state information based on the role information; effectuate presentation of the collaboration environment based on the environment state information so that access, by the users, to the individual units of work and the individual projects reflects the roles of the users within the units of work and the projects; and/or perform other operations.

Abstract: Disclosed herein are methods and systems to generate and communicate interactive digital proofs of transaction. In one implementation, the method may include receiving an indication of a payment transaction between a merchant and a user and processing payment for the payment transaction. The payment processing system generates one or more interactive digital proofs of transaction including at least details of the payment transaction and availability of a vacancy or resource at the payee location. The user may respond via the interactive receipt.

Abstract: Methods, apparatus, systems, and computer-readable media are provided for increasing dimensionality of data structures associated with filling positions. In some implementations, a prediction of desired experience for a given position to be filled may be used to increase the dimensionality of a searchable data structure that represents the given position. For example, the predicted desired experience may be incorporated into a searchable field of the data structure. Among other things, increasing the dimensionality of the data structure may facilitate more granular searching of positions and guided creation of new positions to be filled. In some implementations, a predicted desired experience may be used to notify a user posting a new position whether a specified desired experience corresponds to a predicted desired experience.

Abstract: A system providing for user-initiated, account-type limiting, association-limiting, and duration-dependent public access file disclosures over a semi-private network.

Abstract: Aspects relate to apparatuses and methods for determining and processing dormant data records on an immutable sequential listing. An exemplary apparatus includes a processor configured to monitor a plurality of timestamps associated with a plurality of data records stored on the immutable sequential listing, where the data record includes a job resume, detect inactivity in a first data record of the plurality of data records over a predetermined time period as a function of a first timestamp of the first data record, wherein the predetermined time period may be set by the user, tag, as a function of the inactivity, the first data record as an inactive first data record, and process, as a function inactivity, the first data record, wherein processing may include adding additional data or archiving inactive data records from the immutable sequential listing.

Abstract: A diary addition method, as well as a system, and a non-transitory computer-readable record medium implementing the diary addition method, including providing an interface for selecting data included in a messaging platform in response to an input of a diary creation request for a specific period in a calendar; and creating a diary document based on data selected through the interface and adding the diary document to the calendar in association with the specific period may be provided.

Abstract: A device may receive images of an object and information identifying the object, process the images using an artificial intelligence technique to identify parts of the object that are depicted in the images, and receive information identifying a location of damage on the object and information regarding the damage on the object. The device may process the information identifying the location of damage to identify a damaged part of the object, identify images depicting the damaged part, and identify, in the images, a location of the damaged part. The device may generate a first content item for display at the location of the damaged part in the images and generate a second content item for display with the images based on user interaction with the first content item, where the second content item includes information based on the information regarding the damage on the object.

Abstract: A method includes receiving a service ticket corresponding to an undesired state of a client device, assigning the service ticket to a technician, and coordinating a remote control session between a technician device and the client device. The method includes obtaining a set of actions performed under remote technician control to transition the client device from the undesired state to a desired state. Each action describes one or more user interface interactions with the client device. The method includes storing a resolution profile (RP) based on the set of actions and textual descriptors. The method includes classifying a second service ticket received from a second client device. The method includes, in response to the classification indicating that the RP is applicable to the second service ticket, selectively instructing a software agent executing on the second client device to programmatically replay the set of actions from the RP without technician intervention.

Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

Abstract: Tandem transactions facilitated through automatic application of a tandem transaction limit are provided. A system includes a group manager that identifies a group including respective identifications indicative of a first user and a second user. A transaction limit manager establishes a first transaction limit for the first user, a second transaction limit for the second user, and a third transaction limit for a combination of the first and second user. A transaction manager dynamically applies the third transaction limit based on a determination that the first and second user are performing a joint transaction. The transaction manager revokes the third transaction limit after a threshold time and applies the first transaction limit to first user transactions and the second transaction limit to second user transactions. Incentives are provided if a user remains at a location for a threshold amount of time or causes other users to visit the location.

Abstract: An example operation includes one or more of capturing message content from messages between a sender and receiver which comprise information about a transfer of value from the sender to the receiver, detecting information about a compliance check within the message content which indicates whether the transfer of value complies with jurisdictional regulations, and recording the message content including the detected information about the compliance check via a blockchain.

Abstract: There is provided a method for use by a mobile device. The method includes launching a software application requiring an identity verification of each of a plurality of users for performing a requested action, the plurality of users including a first user and a second user, receiving a first biometric information of the first user and a second biometric information of the second user, sending the first biometric information of the first user and the second biometric information of the second user to a server, receiving notifications from the server as to whether the first and second biometric information corresponding to biometric information in first user and second user profiles, respectively, and performing the requested action, if the notifications indicate a match.

Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

Abstract: Systems and methods for buying and selling virtual items through multiple online sales platforms are disclosed. Exemplary implementations may: effectuate publications of at least two sales listings; effectuate a presentation to a buying user that includes representations of the publications; receive indications of offers to purchase the particular virtual item; determine an accepted offer that is accepted; effectuate assignment of the ownership of the particular virtual item to the buying user account.

Abstract: Systems, methods, and non-transitory computer-readable media can receive a first content item uploaded by a first user. Content ownership information can be updated to associate the first content item with the first user. The first user can be provided with content item analytics pertaining to the first content item in a content item analytics interface.

Abstract: A distributed ledger based utility system architecture may be configured to enable secure payments, data transmission, and meter configuration of smart sensors. The utility system architecture may be a tiered architecture including multiple nodes at different levels of the architecture where each level may contain a different portion of the distributed ledger. As information is added to the distributed ledger, each portion of the distributed ledger may be updated based on whether the information is relevant to that node. The information may include rate contract transactions, meter configuration data transactions, payment transactions, or the like.

Abstract: An apparatus and a computer implemented method for managing data streams to a terminal device according to peak levels is disclosed. A streaming device (e.g., exchange device) may provide the data streams in response to requests received from the terminal devices. A network device in the communication path between the streaming device and the terminal device may route the data streams.

Abstract: A checkout apparatus includes a memory that stores first information about one or more commodities registered in a registration process, a first interface configured to acquire an image of a predetermined region where registered commodities are to be placed, and a processor configured to identify commodities in the image acquired via the first interface by object recognition, determine whether each of the identified commodities is in the first information stored in the memory, and if one of the identified commodities is not in the first information, output an error signal.

Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.

Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.

Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

Abstract: Systems and method for splitting a bill offline include detecting one or more local devices using local wireless communications provided by a peer-to-peer communication module. At least one payer device of the one or more local devices is selected for apportioning a primary bill. An offline payment authorization is then received from each at least one payer device through local wireless communications provided by the peer-to-peer communication module. When an Internet connection is later detected, the system provider connects to the Internet and sends the offline payment authorization received from each at least one payer device to a payment provider device over the Internet. The payment provider device may then transfer funds from account(s) of the at least one payer device to the account of the system provider.

Abstract: A network node associated with a retail store.

Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a blockchain. Because there may be many digital contracts offered as virtual services, the contract identifier uniquely identifies a particular decision table and/or the digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the decision table and/or the digital contract. The blockchain need only include or specify the contract identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements.

Abstract: The method 10 for mobile cryptocurrency wallet connectivity can include facilitating a blockchain transaction S100 and establishing an initial connection between a mobile client and a web client S200. The system 20 for mobile cryptocurrency wallet connectivity can include a browser 110, one or more websites 120, a web client 130, a mobile application 140, and a backend server 150.

Abstract: Embodiments for entity transaction interaction analysis and summarization by a processor. Transaction elements relating to one or more entity transaction interactions may be identifies and extracted from one or more communications. The transaction elements may be combined with one or more transaction opportunities and transaction historical data to provide a transaction summary.

Abstract: Technologies are shown for selecting a provider to service a client service request using a predictive metrics based consensus protocol to select a provider and create a service request transaction block to service the client service request. A client service request is received and forwarded to a set of providers. Proposed transactions are received from the providers and scored based on a predictive metric. A proposal transaction is selected based on the scoring and the selected transaction is written as a block on a service transaction blockchain. The provider for the selected transaction detects the block on the blockchain and performs the requested service. The client detects the block on the blockchain and transfers payment to the provider. Selection can be based on predictive metrics in the providers or macro metrics determined in miner nodes in combination with provider reputation, currency, load sharing, fairness, provisioning, and static and dynamic criteria.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: A system for assisting a payment to a passenger on a commercial passenger vehicle is disclosed. The system is located in the commercial passenger vehicle and comprises: an onboard server configured to (1) receive, from a personal electronic device associated with a passenger, a request to process a payment along with payment credential information and (2) operate to authorize the payment; a light sourcing device in communication with the onboard server and configured to receive, from the onboard server, a verification request for the payment credential information, and display a light identification (ID); and the personal electronic device in communication with the onboard server and the light sourcing device and configured to capture an image of the light ID and obtain the verification request corresponding to the payment credential information from the captured image.

Abstract: Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.

Abstract: Techniques and systems described below relate to systems and methods to access and store blockchain data. In various examples, a client computer system submits a blockchain-agnostic request to a computing resource service provider and the service provider processes the request. The chain-agnostic request may be a request that is interoperable between multiple blockchain protocols, such that, for a given request, the request can be fulfilled using multiple underlying blockchain technologies. A computing resource service provider may receive and process chain-agnostic requests by decoding or otherwise interpreting the requests and routing the requests for fulfillment using one or more chain adapters that are accessible to the computing resource service provider. The service provider may determine metadata associated with the request and determining how to fulfill the request, which may include accessing computing resources of the computing resource service provider and/or the associated blockchain network.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: The present application discloses a block chain-based asset processing method, device, apparatus and storage medium, and relates to the technical field of block chain. The method includes: starting a voting on whether a target account is an account to be retrieved, in response to an asset retrieval transaction request of the target account for the account to be retrieved; performing an identity authentication on the target account, according to the votes of one or more target participants participating in one or more historical transactions initiated by the account to be retrieved; and processing the assets of the account to be retrieved, according to a result of the identity authentication of the target account.

Abstract: A transaction platform including at least one or more public, public-private and/or private distributed ledgers or blockchains that together enable the secure effectuation and recordation of one or more transactions while maintaining transaction party confidentiality. The private distributed ledgers or blockchains are able to store, maintain and provide information about the parties related to the transactions which the distributed blockchains or databases are able to utilize in order to securely and quickly validate, execute and record the transactions in a manner that is GDPR and other data privacy law complaint.

Abstract: Systems and methods for payment processing using cryptocurrency assets.

Abstract: A computer-implemented method comprising receiving a transaction request from a first node within the plurality of nodes, the transaction request corresponding to a pending transaction between the first node and a second node; identifying a blockchain associated with the pending transaction, the blockchain including a first block instance having a hierarchy file indicating a hierarchy among the first node, the second node, and the third node; identifying a second block instance having an executable file to approve the transaction request received from the first node; executing the executable file, wherein the executable file is configured to retrieve data from a data source associated with the third node and analyze data to approve or deny the transaction request; and appending a third block instance comprising the set of transaction attributes to the blockchain.

Abstract: A method and apparatus for processing secure transactions of a requested service at a merchant point of sale (POS) using a customer mobile device and a virtual payment gateway (VPG) server, the method comprising an authentication and a transaction. The activation establishes a mobile device transport key (mTK) at the mobile device and a server, and assigns a mobile application identifier (MAID) to a mobile application of the mobile device. The transaction is based on generating a mobile device transport session key (msTK) derived from a server generated session ID and the mobile device transport key (mTK) generated during activation. The transaction of the requested service is initiated by the customer mobile device and is processed without storing confidential data such as financial account data or financial account identification data at the POS and/or the customer mobile.

Abstract: An identity chaining fraud detection method that allows each current transaction to be linked to other transactions through commonly shared identities. Over a period of time the links create a chain of associated transactions which can be analyzed to determine if identity variances occur, which indicates that fraud is detected. Additionally, if a specific identity is detected as being fraudulent, that identity can be tagged as fraudulent and can be referenced by a plurality of other merchant transaction chains to determine fraud.

Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.

Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

Abstract: A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

Abstract: Various embodiments of the technology described herein alleviate the need to specifically request enrollment information from a user to enroll the user in a passive voice authentication program. The system can receive one or more spoken words from a user. The system can determine that a voice profile is usable for user authentication. The system can select at least one word from the one or more spoken words to enroll the user into a voice authentication program without requiring further interaction from the user. The voice authentication program enables access to secure data in response to receiving the at least one word spoken by the user. After enrollment of the user into the voice authentication program, at least one word spoken by the user is received, and the user is authenticated based on the at least one word.

Abstract: The present disclosure relates to techniques for automated and adaptive cloud security management. Embodiments provide for, at an electronic device configured to interface with a cloud computing environment, initiating one or more transactions in the cloud computing environment using a first identifier to cause a first service of the cloud computing environment to generate a first set of data including the first identifier and a second identifier, and a second service of the cloud computing environment to generate a second set of data including a third identifier and a fourth identifier. Embodiments also provide for automatically determining whether the first identifier corresponds to the third identifier, and, in accordance with a determination that the first identifier corresponds to the third identifier, associating the second identifier and the fourth identifier to generate a linkage between the first and second services.

Abstract: Application-based point of sale systems in mobile operating systems. A first application may generate a first URL directed to a second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system (OS) may access the first URL to open the second application. The second application may receive, from a server, a virtual account number (VAN). The second application may initiate a server on a port and generate a second URL directed to the first application, a parameter of the second URL comprising the port. The OS may access the second URL to open the first application. The first application may establish a connection with the server using the specified port and receive the VAN from the second application via the connection. The first application may autofill the VAN to a form field of a payment form in the first application.

Abstract: The disclosure herein describes management of transaction blocking schemes via a user interface. A transaction blocking scheme is receiving via the user interface from a user, including transaction blocking rules. The transaction blocking rules are applied to transaction data associated with the user. Transaction blocking scheme performance data is generated based on the application of the transaction blocking rules to the transaction data, including a quantity of transactions of the transaction data that are blocked by the transaction blocking rules. A visualization of the transaction blocking scheme performance data is displayed via the user interface and the user is prompted to provide a response based on the displayed visualization. Based on the response to the prompt, the transaction blocking scheme is activated for application to incoming transactions, whereby the transaction blocking rules are applied to incoming transactions to determine whether to block the incoming transactions.