Abstract: A method including: receiving a chargeback message from a processor (or offering the service to tenants who can submit chargeback details over AP's), selecting from a database data configuration parameters corresponding to the processor; receiving a first data file via a graphical user interface, wherein the first data file includes evidence responsive to the chargeback message; converting the first data file from a first format to a second format according to the data configuration parameters; after converting the first data file, generating a representment data structure that includes the first data file in the second format; and transmitting the representment data structure to the processor.

Abstract: This disclosure relates to systems and methods for processing electronic payments for customer purchases. In some implementations, a system receives a payment request from a merchant, and transmits payment information to a mobile computing device associated with the merchant. The payment information includes a transaction ID to identify the purchase, a purchase amount, and instructions that cause the mobile computing device to activate a card reader, present a notification of the purchase amount to the customer, receive an acceptance of the purchase amount from the customer, and authorize the card reader to process an electronic payment for the purchase amount. The system receives payment confirmation from the mobile computing device, and provides the parameter confirmation to the merchant.

Abstract: A method, within and by a computer hardware system that is configured to serve a first web page associated with a first user and a second web page associated with a second user, includes the following. A reciprocal arrangement is established between the first web page and the second web page based upon both the first and second users opting to participate in the reciprocal arrangement. A second functional identification element associated with the first entity is included within the second web page and based upon the reciprocal arrangement. A first functional identification element associated with the second entity is included within the first web page and based upon the reciprocal arrangement. The second functional identification element includes a link to the first web page, and the first functional identification element includes a link to the second web page.

Abstract: Disclosed is a method of messaging service. The method includes receiving, by at least one server, a chat request for creating a chatroom directed to a transaction that a user has entered into with a first entity. The method further includes creating, by the at least one server in response to receipt of the chat request, a first chatroom that is directed to the transaction and is accessible by the first entity and the user on a messaging application installed in a computing terminal such that the first entity sends one or more messages containing information about the transaction to the user via the first chatroom.

Abstract: A method for implementing chats that includes: providing a chat feature and chat interface on a webpage; providing two types of the chat resources for generating the text inputs of the chats, an automated chat resource type and a human chat resource type; providing a routing function that selectively routes incoming chats between the two types of the chat resources; providing a first selectable portion on the chat interface that, when selected by a customer, indicates a customer chat preference as to whether the customer prefers to chat with chat resources of the automated chat resource type or human chat resource type; receiving input from the customer device indicating that the customer selected the first selectable portion; determining from the received input the customer chat preference; and routing in accordance with the determined preference.

Abstract: Disclosed herein are systems and methods capable of establishing a communication session between a customer and an analyst. The contents of the communication session are analyzed to make recommendations of goods and services to the customer. Otherwise, the communication session may be redirected from one channel, for example, chatting to another channel, for example, voice call, to another analyst. The customer's information and the communication session details are retained, and provided to another analyst before the customer is redirected. Such systems, apparatuses, methods, and computer program products use real-time machine learning scoring algorithm to determine which analyst the customers should be transferred to, and thereby saving a lot of time for both the analysts and the customers, and significantly reduce misroutes by eliminating human errors.

Abstract: Embodiments for automatic extraction of a compliance profile for an organization by a processor. Text data may be extracted from one or more data sources representing one or more objects describing a compliance named entity of type organization expected to perform an obligation. A compliance profile of type organization may be determined for the compliance named entity of type organization according to the extracted text data.

Abstract: Described herein are systems and methods for extracting requirements from regulatory content data. The method including: receiving the regulatory content data; classifying an associated type for each citation in the regulatory content data using a trained classifier machine learning model, the classifier machine learning model trained using regulatory content data including expert labelled annotations; splitting citations in the regulatory content data, including determining whether each citation includes more than one requirement; merging one or more citations in the regulatory content data, including identifying child-parent relationships for the citations and merging citations based on conjunctive language; and outputting the citations and their associated type. In a particular case, the types of citations for classification include one of a requirement (REQ), an optional or site-specific requirement (OSR), a description (DSC), and part of another requirement.

Abstract: Aspects of the disclosure relate to controlling enterprise software policy compliance assessment processes based on quantum combinations of assessment elements. A computing platform may receive an assessment dataset and may generate a time-independent requisite work dataset. The time-independent requisite work dataset may include assessment information identifying a plurality of real branded assessment quanta and priority information identifying a plurality of priority scores. Each priority score of the plurality of priority scores may correspond to an assessment quantum of the plurality of real branded assessment quanta. The computing platform may optimize the time-independent requisite work dataset by aggregating related assessment quanta associated with the plurality of real branded assessment quanta, and this may produce a prioritized schedule of application assessment quanta.

Abstract: Systems and methods for authenticating handbags using a portable electronic device along with a bilinear convolutional neural network (CNN) model are described. One method includes using a portable electronic device comprising a camera, and a lens-accessory attached to the portable electronic device such that an optical feature of the lens-accessory is positioned in front of the camera. The portable electronic device acquires one or more pictures of a handbag and sends the one or more pictures to a bilinear CNN model via a network asset where an authenticity is determined. The systems and methods disclosed are capable of allowing the portable electronic device to be spaced apart from the handbag while acquiring pictures, and the lens-accessory can be between 10× and 50× magnification.

Abstract: A consumption probability metric may be generated for a media asset. An aggregated forecast predicting user consumption of a media asset is received. A plurality of probabilities, each corresponding to a user of a plurality of users, is received, each indicating how likely a respective user is to consume the media asset. A weight for the plurality of users is calculated representing a ratio of the total number of users to a number of users in the plurality of users. A disaggregated forecast predicting user consumption of a media asset is determined based on the weight for the plurality of users and the plurality of probabilities. A modification factor is computed based on the aggregated forecast and the disaggregated forecast. A metric is generated that includes a plurality of user identifiers associated with the plurality of users and a plurality of modified probabilities each modified by the modification factor.

Abstract: Introduced here are approaches to determining causal relationships in mixed datasets containing data related to continuous variables and discrete variables. To accomplish this, a marketing insight and intelligence platform may employ a multi-phase approach in which dependency is established before the data related to continuous variables is discretized. Such an approach ensures that information regarding dependence is not lost through discretization.

Abstract: Methods, systems, and computer-readable media for identifying users, records, and/or devices using anonymous source data records associated with consumer activity are described. In general, the consumer activity may relate to consumer interactions with devices and/or content or data through devices. The source data records may be structured, such as associating the source data records with a sequential timeline. Behavioral markers may be generated by the matching system and associated with the source data records. Each behavioral marker may be analyzed across all of the source data records to determine the effectiveness of the behavioral marker to identify unique source data records. One or more of the behavioral markers may be used to generate a behavioral fingerprint. A behavioral fingerprint may be used to identify unique records, devices, and/or users, including identification based on different sets of source data records.

Abstract: A system and method for conducting an adaptive survey. The method includes transmitting a first survey to a primary respondent; receiving responses to the first survey from the primary respondent; transmitting a subsequent survey to secondary respondents, the subsequent survey including answers provided in the first survey; and receiving responses to the subsequent survey from the secondary respondents.

Abstract: Disclosed are systems and methods that efficiently and reliably allows school district(s) and municipalities as well as third parties provide incentives to students' accounts, and those incentive awards can be converted to funds for additional education expenses. In one aspect, the method includes reconciling a plurality of transactions transferring funds to a student account from a municipal account upon a corresponding student accomplishing at least one of a plurality of goals. The goals are each based upon completion of an action stored in a municipal database. The method includes, upon reconciling the transactions, determining that a remaining amount in the municipal account is less than a predetermined threshold and automatically generating and transmitting an alert message to a dashboard user interface of the municipal account for display on a municipal workstation comprising an indicator that the remaining amount in the municipal account is less than the predetermined threshold.

Abstract: A computer-implemented method of recommending a payment option includes receiving data of payment options for a user. Data of a prospective purchase to be made by the user is received. At least two of the payment options are available for making the prospective purchase. A classifier determines an available incentive associated with each of the at least two payment options. The classifier applies a value to each of the incentives. The classifier compares the values for each of the incentives. A payment option having the highest corresponding incentive value is identified. The payment option having the highest corresponding incentive value is recommended to the user.

Abstract: The present disclosure is directed to a system and method to allow sellers of products to establish individual products in a multilevel marketing (MLM) commission system, where the product is offered and sold to a first purchaser—who then actively by requesting a code, or passively, through the purchase of the product, becomes a user of the commission system. This user is provided a code such that the code may be passed onto followers of the registered user. The registered user will be allowed to advertise the product to a second purchaser and the second purchaser will be allowed to purchase the product and provide advertisements to other purchasers. Commissions paid to respective downline purchasers for a single product may be limited by a preset number of defined levels. After a product is purchased, commissions are paid out to each respective purchaser according to the commission plan. The system may identify users that are connected within the system and who use the same social media site.

Abstract: Methods and systems for blockchain and smart contract-supported decentralized computation are provided. A computation task from a task initiator node is registered on a blockchain, and assigned to an edge computing node within a decentralized computing network, with task details sent by the task initiator to the edge computing node through a secure peer-to-peer connection. The edge computing node determines a solution to the computation task. The solution may be verified on-chain by a smart contract, and a token reward from the task initiator may be given to the edge computing node by the smart contract correspondingly. The solution may alternatively be verified off-chain by the task initiator node, and a token reward may be given to the edge computing node by the smart contract upon solution verification.

Abstract: The principles and embodiments of the present invention relate to a system for facilitating an interaction between a person (group or sponsor) and a merchant. In some embodiments, a system is provided in which the person electronically institutes a promise to spend a specific amount of money on purchases with the particular merchant in a specific time period and the merchant electronically institutes a savings offer on transactions made using a credit or debit card in exchange for the customer setting aside the predetermined amount of money. The system can comprise an account management system, user interface, first communication system, merchant interface system, second communication system and payment processor that may be dispersed elements or nodes interconnected by communication lines.

Abstract: A system for employing machine learning to generate customized notifications for a user is provided. The system may identify a landmark in proximity to a user's mobile device and may obtain information associated with products or services offered by the landmark. While the mobile device is within a predetermined distance of the landmark, a machine learning model may be employed to generate a customized notification, such as an offer—e.g., a discount or a special financing offer for one of the identified products—generated specifically for use by the user based on the user's spending and/or financing history. The customized notification may be transmitted to the mobile device with a security key for accessing the offer. In response to receiving an indication that the security key was selected and the product purchased, the user may be authenticated and the offer may be applied to an account associated with the user.

Abstract: Introduced here are computer programs and associated computer-implemented techniques for guaranteeing a cardholder her reward for using a specialized payment card to complete a transaction based on the price of an asset when the transaction actually occurs. Acting as a digital safeguard, the technology ensures that a platform responsible for disbursing the asset will be able to account for ineligible transactions. The technologies described herein may allow the cardholder to benefit from having her reward invested in a lower risk manner. Moreover, these technologies may allow the cardholder to benefit from gains in the value of the asset over the course of a payment cycle in contrast to conventional loyalty programs.

Abstract: Systems, methods, devices and computer-readable media for generating incentives for a loyalty system are described. A method includes: receiving, at at least one processor, data reflective of transactions conducted by a plurality of customers; processing, at the at least one processor, the data to determine a set of attributes for each of the plurality of customers; classifying, at the at least one processor, each of the plurality of customers according to at least one of a plurality of customer groups based on the determined set of attributes; and generating, at the at least one processor, an incentive targeting customers in at least one of the plurality of customer groups.

Abstract: A system for providing a third party engagement in a host property is provided. The system includes a user device structured to: provide an indication of an active user session associated with a host property, the host property communicatively coupled to a host property provider computing system; receive a third party engagement based on a trigger activated during the active user session, the trigger structured to generate the third party engagement; provide, via a graphical user interface comprising the host property, the third party engagement based on the trigger activated; and receive an indication of activation of the third party engagement.

Abstract: Systems, methods, and computer-readable media are disclosed for attributing conversion events to viewable content impressions using multiple efficacy attributes.

Abstract: Methods, systems, and apparatuses, including computer programs encoded on computer-readable media, for advertisement keyword scoring. A processing circuit receives a request for an advertisement to be provided to a user during a user session. The advertisement is to be provided alongside other content that is associated with a first plurality of keywords. A processing circuit identifies a plurality of advertisements based on the first plurality of keywords. Each of the plurality of advertisements are associated with a second plurality of keywords. The processing circuit calculates a keyword score for each of the second plurality of keywords for each of the plurality of advertisements. Based on the keyword score, one of the keywords for each of the plurality of the plurality of advertisements is selected. Based on a comparison of the selected keywords, the advertisement to be provided to the user is selected.

Abstract: An example system includes an analyzer to identify first activity in first neuro-response data, the first activity generated in response to exposure of a subject to a first stimulus prior to exposure to an advertisement or entertainment; identify second activity in second neuro-response data, the second activity generated in response to re-exposure of the subject to the first stimulus after to exposure to the advertisement or entertainment; calculate a differential event related potential measurement; and calculate a differential event related power spectral perturbation. The example system includes a resonance estimator to determine a subject resonance measurement to the advertisement or the entertainment based on the differential event related potential measurement and adjust at least one of the subject resonance measurement or the differential event related potential measurement based on the differential event related power spectral perturbation to generate an adjusted subject resonance measurement.

Abstract: Embodiments of the present disclosure relate to data correlation of data pertaining to content distributed through distinct content delivery networks including offline networks and data related to user interaction with an online presence on the distributed computer network and uses for such correlated data, including to measure and quantify latent effects of the content distributed through a distinct content delivery network, such as an offline network, on user's interactions with the online presence on the distributed computer network.

Abstract: Techniques to allow advertising or other secondary content to be dismissed for later follow up are disclosed. In various embodiments, a user input associated with dismissing a displayed content for later follow up is received. Display of the content item discontinued and a follow up record is stored based at least in part on the indication. The follow up record is used to provide to a user with which the user input is associated a follow up content associated with the dismissed content.

Abstract: A client system presents, within an execution environment of an application, a third-party media stream distinct from the application, received from a remote host server via a network. The client system detects interaction events during presentation of the third-party media stream, and transmits descriptions of the detected interaction events to the remote host server. The client system updates a data set with data corresponding to detected interaction events and generates, by application of an interaction heuristic to the data set, an interaction score indicative of a likelihood of engagement with the third-party media stream. The interaction score is provided to the application, which may then provide a reward based on the likelihood of engagement. In some implementations, the interaction heuristic is based on a number or frequency of interaction events, e.g., button utilization, screen taps, device motion, or screen changes detected during presentation of the received third-party media stream.

Abstract: SaaS for content portion selection a.k.a. content curation using conventional web browsers with no software installation: for enabling a user to select portions of content are disclosed. The user selected portions of content, or references to them, are stored in a repository and are made available for subsequent viewing to a potentially larger universe of users. Neither group of users: the ones selecting the portions of content, nor those viewing the previously selected portions of content, need to install any special software to avail all these benefits.

Abstract: A data processing system collects messages to create user profiles for users of user devices. The messages are collected from various systems and include data regarding user events on user devices in order to create user profiles. The user profiles are stored. In response to a request for information corresponding to a user device, a user profile is identified using data from the request and information from the profile is provided to the requester. A method and system is utilized to select and provide targeted advertisements.

Abstract: Methods and systems of managing advertising content are shown and disclosed. In one embodiment, the method includes outputting first multimedia content from a first channel, and outputting TAD content from a TAD channel instead of the first multimedia content during a TAD window of the first multimedia content. The method additionally includes receiving a first user input requesting multimedia content of a content channel different from the TAD channel during the TAD window, and outputting the multimedia content of the content channel instead of the TAD content in response to the first user input.

Abstract: A control apparatus includes a controller configured to determine whether a user who travels in a vehicle has stopped off at a place different from a destination, with reference to positional data indicating a position of the user, the user having accepted a recommendation to stop off at the place using the vehicle, the recommendation being presented together with an advertisement promoting the place.

Abstract: A method of dynamically binding supplemental content to video content includes receiving the video content at a device and identifying at least one value related to one or more products or services, where the at least one value is associated with the video content. The method also includes obtaining the supplemental content based on the at least one value, where the supplemental content provides additional information about the one or more products or services. In addition, the method includes dynamically binding the supplemental content to the video content and positioning the supplemental content in association with the video content using a supplemental interactive display.

Abstract: This application relates to apparatus and methods for automatically determining and providing digital advertisements to targeted users. In some examples, a computing device receives campaign data identifying items to advertise on a website, and generates campaign user data identifying a user that has engaged all of the items on the website. The computing device may then determine a portion of the users based on a relationship between each user and the campaign user data, and may determine user-item values for each of the items for each user of the portion of users, where each user-item value identifies a relational value between the corresponding user and item. The computing device may then identify one or more of the items to advertise to each user of the portion of users based on the user-item values, and may transmit to a web server an indication of the items to advertise for each user.

Abstract: Systems and methods of generating, for display on a graphical user interface (GUI), a personalized advertisement. The systems and methods can include receiving data indicative of initiating a browsing session, aggregating user activity data associated with a user of the application, the user activity data including current session data and/or past session data, applying machine learning on the user activity data to generate one or more excluded products, applying the one or more excluded products to a product database to generate a list of relevant products, ranking, using one or more ranking rules, the list of relevant products to generate a ranked list of relevant products, and sending, to the mobile device, the personalized advertisement including one or more relevant products from the ranked list of relevant products.

Abstract: A non-transitory computer readable medium storing a set of computer executable instructions for running on a processor that cause the processor to: receive a video link to a video from a third party system. The video has an advertisement with one or more actions. At least one question related to the one or more actions of the advertisement and at least one correct answer to the question and at least one incorrect answer to the question is stored. The question is displayed on a donor system and the donor system is directed to the video via the video link. Then, at least one correct answer and at least one incorrect answer are displayed on the donor system.

Abstract: An information technology platform for personalizing an experience of a visitor at a non-profit venue comprising: a network; a server in communication with the network; a mobile computing device to be carried by a visitor to a non-profit venue, wherein the platform determines personalized information about the visitor and a recommendation engine outputs a suggestion for a personalized experience to the visitor to encourage philanthropic activity related to an ongoing philanthropic campaign; and a machine learning system for learning on a training set of photographic data or video data, the learning to train the machine learning system to predict a sentiment towards the ongoing philanthropic campaign of the visitor based, at least in part, on photographic images or video images that are taken by the visitor, that are shared to the visitor, that are shared by the visitor or that include the visitor as a subject.

Abstract: A system and method of detecting a pick-up of an item are provided. The method includes receiving at least one data packet from at least one IoT tag, extracting a frequency word from the at least one received data packet, wherein the frequency word is a measure of the at least one IoT, analyzing the frequency word to determine a pick-up event to be associated with a pick-up of the item attached to the at least one IoT tag, and upon detecting the pick-up event, sending a notification including an identification of the at least one IoT tag, wherein the notification incudes collateral product information associated with the picked-up item attached to the at least one IoT tag, and displaying the collateral product information of the picked-up item on a display on a physical location of the picked-up item.

Abstract: Described are a method, system, and computer program product for facilitating communication between a user of a financial account and a merchant associated with at least one transaction with the financial account. The method includes receiving transaction data representative of the at least one transaction, the transaction data comprising at least one transaction identifier. The method also includes determining the merchant associated with the at least one transaction identifier and determining at least one merchant communication mode. The method further includes transmitting merchant contact data to a user device and receiving at least one selected communication mode.

Abstract: Provided is a computer-implemented method for event-based communication and messaging that includes determining general event data associated with an event, determining user data associated with a user based on determining the event data associated with the event, determining pre-event data associated with the event, current event data associated with the event, or post-event data associated with the event based on the general event data associated with the event and the user data associated with the user, determining a current user location of the at least one user, generating at least one message based on the current user location, the at least one message including at least one of the following: pre-event data; current event data; post-event data; or any combination thereof; and communicating the at least one message to a user device of the user. A system and computer program product are also disclosed.

Abstract: In one embodiment, a system and method is illustrated including receiving a feedback request identifying a particular user, retrieving a feedback entry in response to the feedback request, the feedback entry containing a first term, building a scoring model based, in part, upon a term frequency count denoting a frequency with which the first term appears in a searchable data structure, mapping the first term to a graphical illustration based upon a second term associated with the graphical illustration such that the graphical illustration may be used to represent the second term, and generating a feedback page containing the first term and the graphical illustration. The method may include assigning a value to the first term so as to identify the first term, assigning the first term to the searchable data structure, and extracting the first term from the searchable data structure based, in part, upon an extraction rule.

Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

Abstract: Techniques for calculating a per-tenant cost in a multi-tenant data storage system. In one example, a method comprises the following steps. One or more cost contribution factors associated with a storage provider entity operating a data storage system for a plurality of tenants of the data storage system are identified. One or more cost items chargeable to each of the plurality of tenants are identified, the one or more cost items being associated with usage of the data storage system by each of the plurality of tenants. The one or more cost contribution factors associated with the storage provider entity are correlated with the one and more chargeable cost items for each of the plurality of tenants. A respective cost value payable by each tenant is determined based on the correlation step. In one further example, the methodology calculates a fixed energy cost associated with storing tenant data and a dynamic energy cost associated with the tenant accessing the stored data.

Abstract: Methods and apparatuses for invoice numbering are disclosed.

Abstract: Techniques described herein are directed to intelligently identifying items for resale based on digital records of past purchases. A computing system of a payment processing service can analyze digital record(s) of a user that are representative of previous purchase(s) of the user. Based at least partly on analyzing the digital record(s), an item previously purchased by the user can be identified as a candidate for resale to another user. The computing system can monitor marketplace(s), and can determine, based at least partly on monitoring the marketplace(s), item information for the item. The computing system can create, based at least partly on the item information, a listing for an ecommerce channel that enables the user to sell the item. The listing can include an actuation mechanism that enables the other user to purchase the item, a transaction for which can be processed by the payment processing service.

Abstract: A method of facilitating an augmented reality experience to purchase an item at a merchant location may be provided. The method may include storing profile data, receiving location data and environmental data from a computing device associated with the stored profile data. Upon determining that the user device has entered a predefined merchant location, the method may include initiating a sequence of augmented reality modes including at least a first augmented reality mode associated with the selection of an item and a second augmented reality mode associated with the payment of the item. The user device may display virtual content in association with each mode, and upon detecting predetermined user inputs such as gestures, fixed gazes, or moving through thresholds, the system may enable the selection and payment of one or more items by sending a purchase request to a merchant terminal.

Abstract: Described herein are systems and techniques in which a service provider may determine one or more capabilities of an authorization provider. To do this, the service provider may, upon receiving a request to determine authorization provider capabilities that includes at least an account identifier and an indication of a transaction type, identify a prototype message template associated with the indicated transaction type from a plurality of prototype transaction templates. The service provider may then overwrite a number of default data values with data values specific to the transaction to generate a prototype message for the transaction, which it may then send to the authorization provider. Upon receiving a response from the authorization provider, the service provider may determine whether the authorization provider is capable of conducting a transaction of the indicated transaction type based on information included within the received response.

Abstract: A network node associated with a retail store receives digital images from customers who have initiated a customer transaction at a first location. The digital images are unique and are associated with the transaction. The transaction is then temporarily suspended. To resume the transaction, the customer provides information describing features of the previously provided digital image. The network node uses this information to locate the corresponding digital image, and thus, the corresponding suspended transaction, and to authenticate the customer to resume the transaction. Provided the customer is authenticated, the node resumes the suspended transaction.

Abstract: In some aspects, the techniques described herein relate to a system, including: a processor-implemented module configured to provide a business-to-business marketplace, wherein the processor-implemented module is first configured to filter potential resellers by industry type such that potential sellers are only able to conduct business on the business-to-business marketplace with potential resellers in a common industry, and wherein the processor-implemented module is second configured to allow a potential seller to filter potential resellers based one or more of (1) a plurality of predefined potential reseller verification tiers, wherein one of the potential reseller verification tiers is based on a physical inspection of the potential reseller, (2) a type of address of the potential reseller, (3) equipment of the potential reseller, or (4) a type of facility of the potential reseller.