Abstract: Decentralized computer systems and methods are disclosed for establishing and conducting payment processing with loyalty points using distributed ledger. One method includes: receiving a consumer identification, an issuer identification, and transaction information from a point of sale system when the loyalty card is presented for a transaction of a good or service at a merchant, identifying the network node containing distributed ledger associated with the issuer according to received issuer identification prompting, to participants of the shared ledger, to validate whether the consumer distributed ledger has required loyalty points for the transaction; if all of the participants of the shared ledger accepts the transaction, generating, a new immutable entry to the distributed ledger for the transaction with remaining loyalty points in the loyalty card after deducting the points required for the transaction; and sending a transaction approved message to the point of sale system at the merchant.

Abstract: Systems and methods are disclosed for optimizing distribution of resources to data elements, comprising receiving a designation of one or more data elements for distribution; receiving a designation of a plurality of electronic event types detectable over a network, the plurality of electronic event types being associated with receipt or electronic display of at least one data element of the one or more data elements, to be tracked; forecasting a return on investment, associated with distribution of the one or more data elements, based on a forecast of occurrences of the plurality of electronic event types; and optimizing distribution of resources to the one or more data elements based on the forecasted return on investment.

Abstract: Techniques for selecting and providing highly targeted, interactive advertisements in a personalized manner. These advertisements may be audio-only advertisements, video-only advertisements, or advertisements that include both audio and video. As described below, advertisements may be selected and/or generated for a particular user based on an array of factors, including the user's interactions with multiple different client devices (e.g., a tablet computing device, a voice-controlled device, a television etc.), as well as additional behavior of the user. In some instances, the client devices may include a voice-controlled device that the user interacts with via voice commands and that provides audible content for output to the user.

Abstract: Supplemental content can be determined through a server-side process, wherein a primary content provider can obtain the supplemental content from a supplemental content provider before any of the content is sent to the client device initially requesting the primary content. A primary content provider submits a request that can include an authorization token for the primary content provider, a publisher token including a proxy identifier for the user, application, or client device, and other relevant information. The supplemental content provider can verify the information and select targeted content based on the information. The supplemental content can then be provided to the primary content provider for incorporation with the primary content. The primary content provider can adjust the layout or selection before sending to the client device for display.

Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to generate a merchant score for a plurality of merchants based at least in part on merchant statistics and display a user interface on a user device of a user. The user interface includes a subset of the merchants that have been identified for a user based at least in part on the merchant score. Clickstream data can be received from the user interface displayed on the user device. An updated merchant score can be generated based at least in part on the user preference. A sorting habit for the user is determined based at least in part on a user-specified sort received from the user interface. A modified subset of the merchants is displayed on the user device based on the sorting habit.

Abstract: A server stores online information related to a user and transmitted and received via a communication network. The server detects a behavior of a user who came to an event venue based on data output from a sensor (for example, 3D LiDAR) installed in the event venue. The server associates the user who came to the event venue with a user whose online information is stored, based on data obtained from the behavior of the user who came to the event venue. The server executes predetermined processing with respect to the user in a case where at least one of behavior information and the online information of the user who came to the event venue satisfies a predetermined condition.

Abstract: An indication to make a terrestrial broadcast ad spot associated with a terrestrial broadcast available for bid via a digital demand side platform is received. A bid request is sent to the digital demand side platform based at least in part on the indication. An indication of a winning bid for the terrestrial broadcast ad spot is received. A creative ad content associated with the winning bid is caused to be included in the terrestrial broadcast at a time associated with the terrestrial broadcast ad spot.

Abstract: A method may be used to predict a business' category by analyzing the business' vendors. A neural network architecture may be trained via supervised learning to predict categories for businesses based on listed vendors. The neural network may be used to classify uncategorized businesses within an accounting software database. A list of factors associated with a business' success may be generated by analyzing, aggregating and ranking factors determined to be relevant to a business based on its categorization. The factors associated with the business' success may be related to the products and/or services offered by the business and the format of which those products and/or services are offered by the business. The factors may also be related to the products and/or services purchased by the business from a vendor and the format of which those products and/or services are purchased from the vendor.

Abstract: Systems and methods for providing a service experience score at a merchant physical location include a system provider device that determines, through communication at least one of a plurality of beacon devices located at the merchant physical location and a user device, a start of a user service experience. The system provider device also determines, through the at least one of the plurality of beacon devices and the user device, an end of the user service experience. A service experience score that is based at least partly on the start of the user service experience and the end of the user service experience is generated. The service experience score is stored in a database in association with a merchant that is associated with the merchant physical location. Subsets of the service experience score may be associated with different locations of the merchant physical location.

Abstract: The present specification provides, amongst other things, a method and system for network interaction between computing devices. In one embodiment a wireless client machine is provided that includes a mini web-browser that is configured to access a secure web-page from a web-server. The secure web-page includes an interactive form. The wireless client machine is also configured to access a schema that corresponds to the secure web-page. The wireless client machine is configured to render the secure web-page using the contents of the schema.

Abstract: Vehicles and other items often have corresponding documentation, such as registration cards, that includes a significant amount of informative textual information that can be used in identifying the item. Traditional OCR may be unsuccessful when dealing with non-cooperative images. Accordingly, features such as dewarping, text alignment, and line identification and removal may aid in OCR of non-cooperative images. Dewarping involves determining curvature of a document depicted in an image and processing the image to dewarp the image of the document to make it more accurately conform to the ideal of a cooperative image. Text alignment involves determining an actual alignment of depicted text, even when the depicted text is not aligned with depicted visual cues. Line identification and removal involves identifying portions of the image that depict lines and removing those lines prior to OCR processing of the image.

Abstract: A shopping store system may include one or more shelves in which each shelf includes one or more levels and one or more products placed on the shelves. Electronic sign labels (ESLs) may be included in the shopping store system in which each of the ESLs is located in a particular position corresponding to a respective product placed on the shelves. Each ESL may include a multi-protocol radio that is configured to operate in a reception modality, a transmission modality, or a transceiving modality. The ESLs may each include a display that is configured to provide information about the respective product to which each ESL corresponds. The shopping store system may include a computer system configured to receive information transmitted by and process information received by each of the ESLs.

Abstract: Methods and systems for controlling access to resources. Receiving, at a server from user devices, requests associated with a resource. Transmitting, by the server to the user devices, tickets associated with the requests, each ticket associated with a respective one of a plurality of groups, the groups identifying requests received in successive windows of time. Receiving, at the server from one of the user devices, a subsequent request, the subsequent request identifying one of the tickets previously transmitted to that user device. Determining that the identified one of the tickets should be accepted and the subsequent request should be serviced.

Abstract: Methods and systems for balancing online stores across servers. Monitoring a level of customer activity associated with a particular online store in a plurality of online stores. Detecting, based on the level of customer activity, a demand-level condition for the particular online store. Responsive to the detecting of the demand-level condition for the particular online store, moving one or more of the plurality of online stores from a first server of a plurality of servers to a second server of the plurality of servers.

Abstract: A system to receive data indicative of physical location from a first computing device and to associate an event with the physical location, the event occurring at the physical location and including the physical presence of two or more entities. The system further to receive registration information from one or more entities that are associated with the event and to generate, using the registration information, a data object to enable a first entity of the one or more entities and a second entity of the one or more entities to exchange one or more items while the first entity and the second entity are both physically present at the event. The system additionally to publish the data object to a second computing device based on a participation criteria, the second device being operated by at least one of the first entity and the second entity.

Abstract: A system includes a proposal engine configured to present quotes and/or proposals to customers at a network site.

Abstract: According to certain aspects of the disclosure, a computer-implemented method may be used for providing vehicle recommendations based on traffic camera data. The method may include acquiring traffic data from a plurality of traffic cameras and determining vehicle information based on the traffic data. Additionally, calculating average idling time of vehicles based on the traffic data from the plurality of traffic cameras. Additionally, determining accident information based on the traffic data from the plurality of traffic cameras and selecting at least one available vehicle for purchase, wherein the at least one available vehicle matches one or more predetermined requirements based on the determined vehicle information, average idling time, and the determined accident information. Additionally, transmitting a recommendation based on the selected at least one available vehicle for purchase.

Abstract: This application relates to apparatus and methods for automatically determining and providing digital recommendations including discounted items with associated savings. In some examples, a computing device obtains savings data including savings items. In response to obtaining the savings data, the computing device obtains a plurality of clusters. Each cluster of the plurality of clusters includes a set of product types. The computing device obtains user data associated with a user, and based on the savings data and the plurality of clusters, determines a set of initial items for recommendation. The set of initial items includes a subset of the savings items. The computing device also determines final recommendation items for the user based on the set of initial items and the user data.

Abstract: An object of the present invention is to provide a flowerbed sales order system, which enables a user to order a flowerbed with a simple method without having the user design the flowerbed from scratch. The present invention relates to a flowerbed sales order system comprising a user terminal and a server apparatus capable of communicating with the user terminal, the system comprising: a flowerbed storage that stores information regarding flowerbeds; a flowerbed recommendation displayer that recommends and displays a flowerbed based on a prescribed condition; an order placement request transmitter that transmits an order placement request of the recommended and displayed flowerbed; and an order placement request receiver that receives the order placement request.

Abstract: Example order management systems and methods are described. In one implementation, a catalog ingestion system receives data associated with multiple products offered by multiple brands. A commerce management system receives a customer order from a customer. The customer order includes at least a portion of the multiple products offered by the multiple brands. The commerce management system splits the customer order into multiple brand orders such that each brand order is associated with products in the customer order from a particular brand. An integration platform fulfills the brand orders by submitting the brand orders to the associated brands.

Abstract: A merchandise sales processing system includes one or more processors configured to receive indications to register items of merchandise for purchase, generate a registration list in which the items of merchandise are set as merchandise to be purchased, settle prices relating to the merchandise to be purchased that are included in the registration list in response to receiving a settlement request, and set a respective item of merchandise as a reserved merchandise in response to the respective item of merchandise being out of stock.

Abstract: The present subject matter relates generally to systems and methods for adding interactive functionality to a website, other digital media objects, and computer processor applications. Systems and methods for adding functionality to content served by a first server, may include receiving, at a second server, a request from a client-computer for code to add purchase functionality to the content. The code may be sent to the client-computer based on the request. A further request may be received from the client-computer containing information about objects identified in the content as relating to the purchase functionality and a request for information about the objects. Information about the objects may be sent to the client-computer based on the further request. An instruction to complete the purchase may be received from the client-computer, and a confirmation of the completion of the purchase may be sent to the client-computer.

Abstract: The following relates generally to pharmacy and/or merchandise pickup location selection. In some embodiments, factors are used to determine a pharmacy and/or merchandise pickup location selection for an individual. In this regard, the factors may include: whether the pharmacy and/or merchandise pickup location has a medication in stock; wait time at the pharmacy and/or merchandise pickup location; geographic distance to the individual; travel time from the location of the individual; urgency of filling a prescription; price of a prescription; whether another product or class of products available at the pharmacy and/or merchandise pickup location; and/or whether a locker is available at the pharmacy and/or merchandise pickup location. In some embodiments, Artificial Intelligence (AI) is used to create a model of pharmacy and/or merchandise pickup location selection for the individual.

Abstract: Techniques described herein are directed to e-commerce tags in multimedia content. In an example, multimedia content is received and item-recognition techniques are performed to identify one or more items referenced in the content. An interactive element is generated that indicates information about a given referenced item, and that interactive element is displayed while the multimedia content is output. Selection of the interactive element may cause a purchasing user interface to be displayed with item and/or or payment information prepopulated based at least in part on identified attributes of the item and/or user preferences determined from historical purchase data associated with the user.

Abstract: A computer-implemented system and method of analyzing historical business data and business objectives for real estate solution prediction is provided. The method includes receiving a user dataset associated with a business entity by a server computing device. The server may determine a set of forecasted headcounts at different points of future time based on a historical headcount, generate a plurality of scenarios associated with the business entity based on the forecasted headcount and the commercial objective dataset, and construct option trees with respective real estate solutions corresponding to respective scenarios. A neural network system may be configured to perform stress tests against respective scenarios to evaluate respective real estate solutions and determine respective costs and actions associated with respective real estate solutions.

Abstract: A token system and method, employing a token representing an interest in a smart contract, comprising: a distributed ledger, storing parameters of a smart contract, the smart contract representing an agreement, secured by a security interest in property, to execute the security interest unless a token is returned within a period; a communication port configured to interface with an automated communication network for communications between a plurality of cryptographic hardware processors; and an automated distributed virtual state machine, hosted by the plurality of cryptographic hardware processors, employing a distributed consensus model for transaction validation, the automated distributed virtual state machine being configured to: communicate distributed consensus messages through the automated communication network; communicate the token; execute the smart contract defined by the parameters, receiving inputs and producing outputs on a blockchain; and communicate an immutable message for exercise of the s

Abstract: In various exemplary embodiments, a system and associated method to perform an adaptive risk-based assessment of a user is disclosed. A method includes receiving a request from a user to perform an action at an electronic marketplace, retrieving a plurality of risk assessment factors associated with the action and the user, performing a risk assessment process on the risk assessment factors to identify a risk mitigation process, requesting that the user perform the identified risk mitigation process, and allowing the user to perform the action in response to the user completing the risk mitigation.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

Abstract: A method of integrating electronic data including integrating a desktop such that the desktop includes information received from various sources. The information displayed may be analyzed by a business rule to prioritize what information is included in the desktop, and the information may include data from databases, recent member activities, planned future actions, and recommended future actions. The method also includes the ability to integrate and/or aggregate various data sources, such as databases. The combination of the data sources may be performed according to one or more business rules.

Abstract: A method may include receiving financial information regarding a user; categorizing transaction information of the user based on the financial information; causing display of the categorized transaction information; receiving information regarding at least one financial preference and transaction preference of the user; determining using a trained machine learning model activities available to the user; calculating, for each of the one or more activities available to the user, an estimated influence on the at least one financial preference, causing display of the estimated influence on the at least one financial preference based on a user selected one of the one or more activities available to the user; filtering the one or more activities available to the user with a positive estimated influence to the at least one financial preference; and causing display of a recommendation of action relating to the one of the one or more activities available to the user.

Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.

Abstract: Systems and methods for dynamic detection of security features based on self-supervised natural language extraction from unstructured data sets are disclosed. The system may receive an unstructured data array including a full text of financial narrative. The system may serialize the unstructured data array to form one or more first data arrays including portions of the full text as discrete financial risk narratives. The system may build a tokenization dictionary and determine condensed summaries for each portion of the full text. The system may determine a relevancy score and a sentiment score for each condensed summary and calculate an overall relevancy score as a weighted average of the relevancy score and the sentiment score. When the overall risk score exceeds a predetermined threshold, the system may execute one or more security actions.

Abstract: Systems, apparatuses, and methods are described for adjustment of card configurations for flight interruptions. Past flight interruptions that users experienced may be determined. Transactions conducted via the users' payment cards during the past flight interruptions may be determined. The data may be used for determining customized metrics for adjusting card configurations of the payment cards during current flight interruptions. Default metrics for adjusting card configurations of the payment cards during current flight interruptions may be determined. Current flight statuses may be monitored for the users. Current flight interruptions may be detected for the users. Card configurations of the payment cards may be adjusted during the detected current flight interruptions.

Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.

Abstract: The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.

Abstract: The Multichannel Master Feeder Exchange Mechanism Apparatuses, Methods and Systems (“MMFEM”) transforms user share purchase, redemption request inputs via MMFEM components into fund share transaction records outputs. A processor-implemented non-transparent, master-feeder, master-feeder investment vehicle management, multichannel datastructure apparatus, comprising a processor and memory. The MMFEM memory having instructions to instantiate a multichannel asset vehicle configuration datapath and create a the multichannel vehicle data structure. The MMFEM may then determine a plurality of investment share data structures for the multichannel asset vehicle data structure and facilitate a transaction of investment shares data structures of the multichannel investment vehicle data structure based on the determined share price, wherein a master fund establishes a data feed for feeder funds to track.

Abstract: A system and method that relies upon smart contracts to facilitate cryptocurrency trades through a plurality of different exchanges. The system and method preferably operate on the blockchain.

Abstract: A content stake offering system is disclosed. The content stake offering system includes a content stake offering module, comprising computer-executable code stored in non volatile memory, a processor, and a plurality of computing devices. The content stake offering module, the processor, and the plurality of computing devices are configured to receive a request to sell a stake of content, determine a value of the content, generate a stake offering based on the value of the content, and update the value of the content. Determining the value of the content includes transferring data of a piece of content between the plurality of computing devices, recording a content data, which corresponds to the transferred data of the piece of content, in a database chunk, hashing the database chunk into a hashed database chunk, and appending the hashed database chunk to a block on a blockchain.

Abstract: Systems and apparatus for processing a trade order include a computer configured for receiving market data for a financial asset, receiving pricing parameters and receiving proposed order quantity and price data. The computer is further configured for constructing proposed trades based on the proposed order quantity and price data, and for calculating a theoretical price for the financial asset based on the market data, pricing parameters as well as the proposed order price data. In addition, the computer is configured for comparing the constructed trades with the theoretical price, and displaying market data indicators relative to the theoretical price indicators based on the comparison.

Abstract: Disclosed herein is a method, apparatus, interface and platform for interactive investing, funding and trading. The Great Disruptors Platform (TGDP) provides a platform to companies (business entities) to raise capital online in exchange for equity, royalty and/or other compensation from individual investors and other investors by engaging with the potential investors.

Abstract: A data analytics platform is provided for forecasting future states of commodities and other assets, based on processing of both textual and numerical data sources. The platform includes a multi-layer machine learning-based model that extracts sentiment from textual data in a natural language processing engine, evaluates numerical data in a time-series analysis, and generates an initial forecast for the commodity or asset being analyzed. The platform includes multiple applications of neural networks to develop augmented forecasts from further analysis of relevant information as it is collected. These include commodity-specific neural networks designed to continually develop taxonomies used to process commodity sentiment, and applications of reinforcement learning, symbolic networks, and unsupervised meta learning to improve overall performance and accuracy of the forecasts generated.

Abstract: The present disclosure generally relates to systems and methods for generating data representative of multi-product insurance discounts and related user interface displays. The systems and methods may include receiving personal data from an insurance customer and insurance product data. The systems and methods may further include generating data representative of multi-product insurance discounts based on personal data from an insurance customer and insurance product data. The systems and methods may further include generating displays of the multi-product discounts based on data representative of multi-product insurance discounts.

Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater than a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.

Abstract: Techniques for providing recommendations of actions for a user to perform to improve efficiency in user interactions with a user interface of a user computing device. An intelligent monitoring (IM) computing system may receive data from a user computing device and may determine user interactions associated with the user interface. The user interactions may include selections, an order associated with the selections, times associated with the selections, and/or other data corresponding to user interaction with a user interface. The IM computing device may be configured to determine a fault (e.g., inefficiency) associated with the user interactions and determine an action for the user to perform to correct the fault. The IM computing device may cause a notification including the action to surface on a display of the user computing device, such as to inform the user of a means by which they can improve efficiency of the user interactions.

Abstract: According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.

Abstract: A system and method provide context to customer activity through a visual representation. In one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. The one or more processors may also be configured to determine transactions associated with a trip taken by the customer based on at least the transaction data, and generate a visual representation of the trip, the visual representation including the transactions.

Abstract: Among other things, embodiments of the present disclosure improve the functionality of electronic messaging and imaging software and systems by determining the current activities of users based on location sensor information from the users' computing devices and generating customized media content items based on their activities. The media content can be generated for a variety of topics and shared with other users. For example, media content (e.g., images or video) can be generated and displayed on a user's computing device, as well as transmitted to other users via electronic communications, such as short message service (SMS) or multimedia service (MMS) texts and emails.

Abstract: A computer-implemented method for recommending agricultural activities is implemented by an agricultural intelligence computer system in communication with a memory. The method includes receiving, over a network, field definition data and environmental data; determining soil data from at least the environmental data; determining, based on at least the soil data, carbon load data indicating carbon load present in the field during a planting date; receiving first input indicating a plurality of starter application criteria; based on the first input and the carbon load present in the field, generating application data that include at least an amount of the starter fertilizer that provides nutrients to seeds throughout a nutrient immobilization period between the planting date and a beginning of a microorganism mineralization period; generating control instructions for controlling an agricultural implement based on the application data.

Abstract: A method enables a communication between a process client and a wireless process server to carry out an area-specific process in an area. The method includes a step of transmitting a message from a wireless process server to a wireless communication device operated by the process client. The message includes information related to the area-specific process for enabling the process-client to better arrange time before the area-specific process is scheduled to carry out in the area. In a specific embodiment, the wireless communication server sends a message to notify the process client about a location and an estimate time for the process client to carry out the area-specific process. In another preferred embodiment, the communication system enables the process client to employ a wireless communication device owned by the process client.

Abstract: A system for connecting market participants is disclosed. The system may receive a first user data comprising a market participant type. The system may receive a first metadata set associated with the first user data and a second metadata set associated with a second user data, wherein the second metadata set comprises the market participant type. The system may generate a match data based on the first metadata set, the second metadata set, and the market participant type, wherein the match data defines an association between the first user data and the second user data. The system may generate a communication channel between a first user device and a second user device based on the match data.