Patents Issued in March 7, 2024
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Publication number: 20240078539Abstract: A computer-implemented method, in accordance with one embodiment, includes receiving, at an offline input bridge module, a transaction order and a corresponding cryptogram. The transaction order and the cryptogram are transferred from the input bridge module to a disconnected vault module. The input bridge module is discarded in response to the transfer of the transaction order and cryptogram. The transaction order is converted to an unsigned transaction, using the disconnected vault module. The unsigned transaction and cryptogram are transferred to an offline hardware security module. A seed is unwrapped from the cryptogram, using the hardware security module. A key for signing the transaction is generated, using the hardware security module. The signed transaction is transferred to an offline output bridge module, and from the output bridge module to an online module. The output bridge module is discarded in response to the transfer of the signed transaction and the cryptogram therefrom.Type: ApplicationFiled: September 7, 2022Publication date: March 7, 2024Inventors: Takuya Nakaike, Moriyoshi Ohara, Peter James DeMeo, Angel Nunez Mencias
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Publication number: 20240078540Abstract: A present disclosure provides an exemplary system that includes at least: a distributed blockchain environment, including: a plurality of externally owned presence (EOP) member nodes associated with a plurality of distinct entities, a cryptographically-secured distributed ledger; a plurality of electronic wallets (e-Wallets), configured to hold records of distributed leger collateral (DLC) tokens; a plurality of self-contained self-executing software containers (SESCs), including: first-type SESCs, second-type SESCs, and third-type SESCs; where the DLC tokens are used by the distributed blockchain environment; where the first-type SESCs, the second-type SESCs, and the third-type SESCs are distinct SESCs; where each DLC token include at least one unique entity-identifying cryptographic hash; where, for each respective transaction associated with a respective EOP member node, a respective computer invokes the first-type SESCs and the third-type SESCs to cryptographically administer each respective transaction wType: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventors: Vijay Mayadas, John Garahan, Horacio Barakat, Hrishikesh Nashikkar, Kishore Seshagiri
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Publication number: 20240078541Abstract: The invention relates to a method of enabling zero-knowledge proof or verification of a statement (S) for enabling exchange of data between a prover and a verifier, wherein the prover has access to first data on a first blockchain, and the verifier has access to second data on a second blockchain. In the method, a prover sends to a verifier a set of data including a statement, which for a given function circuit output and an elliptic curve point, the function circuit input is equal to the corresponding elliptic curve point multiplier. The statement can be that the prover knows a private key for an address on a blockchain network.Type: ApplicationFiled: September 14, 2023Publication date: March 7, 2024Inventor: Thomas TREVETHAN
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Publication number: 20240078542Abstract: The systems, methods and apparatuses described herein provide a virtual integrated circuit card (ICC). In one aspect, a method of creating a virtual ICC may be provided. The method may comprise obtaining executable code configured to run on a user device to facilitate financial transactions, preparing a first encryption key usable by the executable code, receiving a second encryption key associated with the user device, forming a virtual ICC comprising the executable code and the first encryption key, and encrypting the virtual ICC with the second encryption key. In another aspect, a virtual ICC may be embodied on a non-transitory computer-readable medium. The virtual ICC may comprise executable code configured to run on a user device to facilitate financial transactions and a first encryption key usable by the executable code. The virtual ICC may be encrypted using a second encryption key associated with the user device.Type: ApplicationFiled: September 11, 2023Publication date: March 7, 2024Applicant: OLogN Technologies AGInventors: Sergey IGNATCHENKO, Dmytro IVANCHYKHIN
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Publication number: 20240078543Abstract: Embodiments of this specification provide a payment service implementation method and apparatus. According to the method in the embodiments, when a payment service is performed, anonymous processing needs to be performed on original payment account information. First, a random number is used to perform transform processing on the original payment account information, so that information encrypted each time by using a public key is different. Then, the public key and an encryption algorithm obtained in advance are used to encrypt payment account information obtained after the transform processing, so as to obtain anonymous payment account information, thereby completing an anonymous processing process. After anonymous processing is completed, the obtained anonymous payment account information may be used to perform a payment operation.Type: ApplicationFiled: January 13, 2022Publication date: March 7, 2024Inventors: Bingying Zhu, Zhi Xin, Wei Yuan, Xiaofei Wan
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Publication number: 20240078544Abstract: A cross-blockchain value transfer approval method including the steps of receiving a cross-blockchain value transfer request command that includes a first address on a first blockchain network, a first cryptocurrency type indication associated with the first blockchain network, a second address on a second blockchain network, a second cryptocurrency type indication associated with the second blockchain network, and a transfer quantity. The method further includes sending a transaction approval request to a second user, receiving a cross-chain respond command API request from the second user, and upon receiving the cross-chain response command approving the transfer, sending a command to initiate a value transfer to an exchange server.Type: ApplicationFiled: September 8, 2023Publication date: March 7, 2024Inventor: Vijay Madisetti
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Publication number: 20240078545Abstract: A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.Type: ApplicationFiled: November 14, 2023Publication date: March 7, 2024Inventors: Austin WALTERS, Jeremy GOODSITT, Galen RAFFERTY, Vincent PHAM, Anh TRUONG
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Publication number: 20240078546Abstract: The invention provides systems and methods for risk assessment using a variable risk engine. A method for risk assessment may comprise setting an amount of real-time risk analysis for an online transaction, performing the amount of real-time risk analysis based on the set amount, and performing an amount of time-delayed risk analysis. In some embodiments, the amount of real-time risk analysis may depend on a predetermined period of time for completion of the real-time risk analysis. In other embodiments, the amount of real-time risk analysis may depend on selected tests to be completed during the real-time risk analysis.Type: ApplicationFiled: May 15, 2023Publication date: March 7, 2024Inventors: David Britton, Ori Eisen, Raz Yalov
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Publication number: 20240078547Abstract: A method including sending a registration request comprising a public identifier of a user to a computer-implemented funds transfer network to cause the computer-implemented funds transfer network to send a message to the user using the public identifier of the user to perform a validation that the public identifier is usable to contact the user. The registration request is a request to register an account of the user for real-time payments through the computer-implemented funds transfer network. The method also can include sending a confirmation message to the computer-implemented funds transfer network to validate that the public identifier is usable to contact the user and to cause the computer-implemented funds transfer network to register the user by storing a record in a directory of the computer-implemented funds transfer network that associates the public identifier with a private identifier. The private identifier is associated with the account of the user.Type: ApplicationFiled: November 14, 2023Publication date: March 7, 2024Applicant: Early Warning Services, LLCInventors: Clinton Gilliam, III, Melissa Lowry, Michael Joseph Kennedy, Sergei Lilichenko
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ELECTRONIC DEVICE CORRESPONDING TO NODE INCLUDED IN BLOCKCHAIN NETWORK AND OPERATION METHOD THEREFOR
Publication number: 20240078548Abstract: An electronic device corresponding to a node of a blockchain network includes a communication module and a processor configured to access, through the communication module, the blockchain network in which at least one artificial intelligence (AI) model is registered, identify at least one program among a plurality of programs configured to manage the at least one AI model registered in the blockchain network and manage, using the at least one program, the at least one AI model registered in the blockchain networkType: ApplicationFiled: November 7, 2023Publication date: March 7, 2024Applicant: SAMSUNG ELECTRONICS CO, LTD.Inventors: Nosan KWAK, Sohee LEE -
Publication number: 20240078549Abstract: A pre-purchase serviceability check may be provided to confirm serviceability of a product by a user prior to the purchase of the product. A message may be received by a server and from a user device. The message may comprise information indicative of a user associated with the user device and a first identifier associated with a product. The server may determine, based on one or more of the information indicative of the user or the first identifier, that the product is usable by the user. The server may associate, for a first period of time, the first identifier with a second identifier associated with the product. The server may receive, from a point of sale device, a request comprising the second identifier. The server may determine a time associated with the request from the point of sale device is within the first period of time.Type: ApplicationFiled: September 2, 2022Publication date: March 7, 2024Inventors: Govind KARADKHELKAR, David BURMESTER, Kohposh KUDA, Swaraj RAJEEV, Joel RIECK, Ramesh BHEEMAPPA, Ramu VEMULA, Nicholas ANDRIS
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Publication number: 20240078550Abstract: Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).Type: ApplicationFiled: September 7, 2023Publication date: March 7, 2024Inventors: Peter Jason Calvert, Christopher Lidaka
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Publication number: 20240078551Abstract: Example blockchain-based user element authentication methods, apparatuses, systems and computer-readable media are provided. In an example, a node device in a blockchain receives a smart contract invocation transaction, where the smart contract invocation transaction includes an encrypted to-be-authenticated user element provided by a user client. In response to the smart contract invocation transaction, the node device invokes encryption conversion logic in the smart contract, decrypts the encrypted to-be-authenticated user element in a trusted computing environment, and performs secondary encryption processing. The user element authentication authority decrypts the to-be-authenticated user element and performs user element authentication. The node device obtains an authentication result submitted by the user element authentication authority and stores the authentication result in the blockchain.Type: ApplicationFiled: November 10, 2023Publication date: March 7, 2024Applicants: ALIPAY (HANGZHOU) INFORMATION TECHNOLOGY CO., LTD., ANT BLOCKCHAIN TECHNOLOGY (SHANGHAI) CO., LTD.Inventors: Jiawei Liu, Chenkan Shen, Ge Jin, Chifei Zhang, Fansheng Kong
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Publication number: 20240078552Abstract: A method and system for classifying and verifying data are provided. The method includes receiving first information that relates to an individual person; categorizing each item of the first information as relating to either a non-mutable attribute or a mutable attribute of the individual person; verifying an accuracy of each item of the first information by comparing the respective item with second information that is independently maintained by an external source; and when a request for updating first information that relates to a mutable attribute of the individual person is received, verifying an accuracy of the first information to be updated by using an external source.Type: ApplicationFiled: September 1, 2022Publication date: March 7, 2024Applicant: JPMorgan Chase Bank, N.A.Inventors: Stefan SCHUBERT, Reetu BOK
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Publication number: 20240078553Abstract: Systems and methods include registering use of a virtual certification number (VCN) at a secure entity by receiving, at an external gateway, a registration request comprising an external request code and a primary account number (PAN), wherein the external request code is unique to the secure entity, determining that the external request code is an unregistered external request code, receiving a tokenized PAN based on the PAN, receiving an account identifier by applying the tokenized PAN to a certification mechanism tool application programing interface (API), generating a certification mechanism reference identifier by encrypting a certification mechanism associated with the account identifier and the tokenized PAN, updating a database to associate the certification mechanism reference identifier with the external request code, and transmitting, via the external gateway, a registration authentication to an external entity, the registration authentication comprising the external request code.Type: ApplicationFiled: November 23, 2022Publication date: March 7, 2024Applicant: Capital One Services, LLCInventors: Kelly Jo BROWN, Jesse EMERY, Jonathan BLOCKSOM, Swapna MANDALA, Todd SAFFORD, Victoria YANG, Brian GLOWNIAK, Edward HUSA, Calvin SUN, Audrey ZHANG
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Publication number: 20240078554Abstract: Technology is disclosed herein for expediting blockchain transactions. More specifically, the technology describes techniques for assessing risk associated with expediting processing of blockchain transactions received by a transaction processing platform. When a determination is made that a transaction can be expedited, the transaction processing platform can expedite the transaction, e.g., locally process the blockchain transaction, prior to receiving a verification or confirmation from the consensus network. In this manner, the transaction processing platform can act like a local cache allowing quick access and operation on permanently stored data within the blockchain with minimal or calculated risk.Type: ApplicationFiled: September 10, 2023Publication date: March 7, 2024Applicant: AMERICORP INVESTMENTS LLCInventor: Jordan Simons
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Publication number: 20240078555Abstract: Using transaction data to present search results is described. A payment service computing platform may receive transaction data associated with users of a payment service, and may receive a search query from a payment application associated with the payment service and executing on a device of a user. The payment service computing platform may then determine, based at least in part on a portion of the transaction data associated with the user, a user risk metric associated with the user, may generate a list of entities based at least in part on the user risk metric, and may cause a user interface of the payment application to present at least a portion of the list of entities as a search result to the search query.Type: ApplicationFiled: June 30, 2023Publication date: March 7, 2024Inventors: Mohsen Sardari, Yi Li, Kin Ho Lee, Nic Kleene, Ankit Dutta, Pooja Choudhary, Yibo Chen
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Publication number: 20240078556Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.Type: ApplicationFiled: October 30, 2023Publication date: March 7, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stacy R. Henryson, Shawn Hetrick, Heather C. Pemble, John Quinnell
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Publication number: 20240078557Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: ApplicationFiled: November 6, 2023Publication date: March 7, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce
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Publication number: 20240078558Abstract: A computer-implemented method for pre-onboarding user access control to subject information is provided. The method includes receiving acquisition data that includes the subject information associated with a subject, receiving telematics data associated with the subject, and associating the telematics data with a subject data object that comprises at least a portion of the subject information. The method includes causing rendering of a graphical user interface at a user device in response to receiving a first indication based on interaction with (i) an onboarding hyperlink via the user device or (ii) a machine-readable symbology. The method includes causing the graphical user interface to display at least a portion of the telematics data on the user device while the subject data object is pending onboarding, such that the acquisition data is configured to facilitate access to the telematics data on the user device while the subject data object is pending onboarding.Type: ApplicationFiled: October 25, 2023Publication date: March 7, 2024Inventors: Ronnie Blake PERKNA, Dan GRONSBELL
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Publication number: 20240078559Abstract: The template generation system receives interaction data stored by the CEC from an interaction database and customer service templates (if any) from a template database. The template generation system processes interaction data and customer service templates to learn the domain language of CSR responses and the template responses within the CEC. The template generation system encodes the learned language and generates sentence vector embeddings for the CSR responses and template responses. Based on the learned language, the encoding, and the sentence vector embeddings, the template generation system processes CSR responses derived from the interaction data and customer service templates to predict the need for new customer service templates. Based on the predicted need for new customer service templates, the template generation system provides customer service template suggestions and may also auto-generate suggested customer service templates.Type: ApplicationFiled: September 2, 2022Publication date: March 7, 2024Applicant: Verint Americas Inc.Inventor: Grant Anderson
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Publication number: 20240078560Abstract: Systems and methods for triggering a virtual certification number (VCN) generation for use at a source include receiving a VCN generation request from an external entity, the VCN generation request comprising an external request code, external risk signals, and one or more source data for the source, verifying a registration authentication of an account associated with the external request code by comparing the external request code to a database entry, identifying a certification mechanism reference identifier associated with the external request code based on verifying the registration authentication, generating a risk authentication based on a risk analysis conducted using the external risk signals and the external request code, identifying a source identifier based on the one or more source data, and generating the VCN based on the certification mechanism reference identifier and the source identifier.Type: ApplicationFiled: November 23, 2022Publication date: March 7, 2024Applicant: Capital One Services, LLCInventors: Kelly Jo BROWN, Jesse EMERY, Jonathan BLOCKSOM, Swapna MANDALA, Todd SAFFORD, Victoria YANG, Brian GLOWNIAK, Edward HUSA, Calvin SUN, Audrey ZHANG
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Publication number: 20240078561Abstract: Methods, systems, and techniques for agricultural greenhouse gas estimation. Farm data in the form of at least one of revenue generated by a farm, crop information for one or more crops grown on the farm, and land use/farm practice data for land used on the farm to grow the one or more crops is obtained. An emissions estimate is determined based on the obtained data and caused to be displayed to the user via a graphical user interface. A user may be a person responsible for managing multiple farms. That user may be presented with aggregate emissions-related information for all farms, including projected future emissions under various scenarios, and may also iteratively experiment with different farm data values in order to attempt to reduce projected emissions or increase data quality/emissions estimate accuracy.Type: ApplicationFiled: August 21, 2023Publication date: March 7, 2024Inventors: Cogie Cogan, Yixin Tian, Vicki Chen, Myles MacDonald, Graham Alexander Watt, Arthur Berrill, Melissa Lynne Paxton, Daniel Gilles Foisy, Po Lun Law
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Publication number: 20240078562Abstract: A system incenting farmers to improve the environment by removing CO2 from the atmosphere and generating electricity on the same portion of their arable land is disclosed, having a plurality of solar panels installed on at least a portion of a farmer's arable land, prairie grass planted beneath said plurality of solar panels and displacing a crop on the portion of the farmer's arable land, electricity generated by said solar panels either utilized by the farmer or sold to a utility, a computer receiving a signal indicative of the amount of arable land replanted with said prairie grass and the crop displaced, and a carbon offset credit calculated by said computer and owed to the farmer reflecting the amount of CO2 stored by the prairie grass on the farmer's arable land.Type: ApplicationFiled: September 1, 2023Publication date: March 7, 2024Inventor: Frank T. O'Keefe
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Publication number: 20240078563Abstract: A method for identifying fraud merchant descriptors (that is implemented by disclosed apparatus) is disclosed. The method comprises matching one or more input descriptor with a first database comprising one or more valid trademarks of one or more clients; identifying a set of valid merchant descriptors and a set of suspected merchant descriptors, from the one or more input merchant descriptors based on the matching; identifying a target client associated with each merchant descriptor in the set of suspected merchant descriptors; communicating the each merchant descriptor from the set of suspected merchant descriptors to the associated target client; receiving an authentication decision associated with each merchant descriptor from the set of suspected merchant descriptors; and identifying one or more merchant descriptors from the set of suspected merchant descriptor as fraud merchant descriptor in an event the authentication decision associated with said one or more merchant descriptors is negative.Type: ApplicationFiled: September 7, 2022Publication date: March 7, 2024Inventors: Justin HOWE, Justin CHACE
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Publication number: 20240078564Abstract: The present disclosure is directed to methods and systems for determining competitive market values for an ad impression on an advertiser exchange. An engine executing on a device may receive a candidate set of inputs associated with ad impressions. The engine may determine competitive market values for an ad impression on an advertiser exchange. The engine may determine candidate clearing prices based on the candidate set of inputs and history of clearing prices on the advertiser exchange. The engine may generate, based on the candidate clearing prices, a competitive market value prediction for the ad impression on the advertiser exchange. The competitive market value prediction may comprise a distribution function of predicted clearing prices on the advertiser exchange. The engine may generate, based on the competitive market value prediction, a fair market value bid for the ad impression in the context of a specific ad campaign.Type: ApplicationFiled: October 19, 2022Publication date: March 7, 2024Inventor: Yehuda Ari Buchalter
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Publication number: 20240078565Abstract: A data processing system may generate a plurality of probability distributions, each probability distribution corresponding to a different profile characteristic regarding transactions performed by an entity. The data processing system may receive a first profile characteristic configuration for each of the plurality of probability distributions and a corresponding first start time. The data processing system may adjust each of the plurality of probability distributions according to the first profile characteristic configuration for the probability distribution and the first start time to generate a first set of adjusted probability distributions. The data processing system may sample each of the first set of adjusted probability distributions to generate transaction data for one or more first transactions. The data processing system may generate a record comprising the generated transaction data.Type: ApplicationFiled: January 12, 2023Publication date: March 7, 2024Inventors: Giacomo Domeniconi, Kai-min Kevin Chang, Samuel Assefa
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Publication number: 20240078566Abstract: Systems, apparatus, articles of manufacture, and methods are disclosed to detect promotion events. An apparatus includes interface circuitry to obtain aligned sales data corresponding to products, the products corresponding to a market and a category; computer readable instructions; and programmable circuitry to instantiate event detection circuitry to: identify product-level promotions based on the aligned sales data and corresponding baseline data for the products; and group ones of the product-level promotions to identify promotion events; and expansion circuitry to determine uplift factors for different promotion characteristics based on the market and the category; and apply the uplift factors to the product-level promotions and the promotion events to identify incremental sales.Type: ApplicationFiled: May 31, 2023Publication date: March 7, 2024Inventors: Sam Colalillo, Eric Rossignol, Anne Pietrement, Doreen Stahl, Markus Bleck, Kai Kopperschmidt, Yun Xue
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Publication number: 20240078567Abstract: Embodiments described herein generate a first set of prompts, the first set of prompts configured to prompt a vehicle owner for a first set of answers used to learn preferred vehicle renter characteristics; receive the first set of answers; generate, based upon the first set of answers, a second set of prompts, the second set of prompts configured to prompt the owner for a second set of answers used to learn additional preferred vehicle renter characteristics; receive the second set of answers; predict user preference value(s) of a profile of the owner based upon the second set of answers, wherein the user preference value(s) define criteria for sharing a vehicle associated with the profile with vehicle renters who satisfy the criteria; apply the criteria to potential vehicle renters; and cause an indication of the vehicle to be displayed only to the potential vehicle renters who satisfy the criteria.Type: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventors: Brian N. Harvey, Joseph Robert Brannan, J. Lynn Wilson, Matthew Eric Riley, Sr., Ryan Gross
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Publication number: 20240078568Abstract: A system includes a network interface, a processing system, and a memory system. The memory system stores instructions that when executed by the processing system result in receiving a request and request data associated with a user from a web server and analyzing the request data to identify a primary offer associated with the request. A look-alike model is accessed to determine at least one secondary offer based on one or more of: the request, the request data, and the primary offer. The primary offer and the at least one secondary offer are provided for presentation to the user through a user interface.Type: ApplicationFiled: April 27, 2023Publication date: March 7, 2024Inventors: Mathew S. Bryant, James J. Gauthier, JR., Keith W. Crumb, JR., Michael J. Ficorilli
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Publication number: 20240078569Abstract: A device for providing consumer feedback including an enclosure, processors housed within the enclosure, an image capturing device in communication with the processors and configured to capture a user gesture, a display screen, the display screen in communication with the processors, a memory, and a battery configured to supply power to the display screen, the image capturing device, the processors, and the memory. The memory contains instructions to display a question on the display screen and display answer options to the question. The answer options correspond to a particular user gesture. The device may receive a plurality of selected answers from a plurality of users in response to the question. Each selected answer is selected from the plurality of answer options via the particular user gesture corresponding to the selected answer. The device may aggregate the received selected answers and display the aggregated selected answers on the display screen.Type: ApplicationFiled: September 12, 2023Publication date: March 7, 2024Inventors: Thomas Bolling, John Farrar
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Publication number: 20240078570Abstract: A reward providing device comprises an acquiring section that acquires, when charging of the battery by a charging device is completed, battery state-of-charge information concerning a battery state of charge that is a state of charge of a battery provided to a moving body, and a reward providing section that provides a reward to the user of the moving body when the battery state of charge is less than or equal to a recommended upper limit state of charge that is an upper limit of a recommended charge rate set to be lower than a full charge, serving as a state of charge that is recommended.Type: ApplicationFiled: August 28, 2023Publication date: March 7, 2024Inventors: Kei HIROHATA, Shinji YASUHARA, Yuichi NAKAMURA, Seiichi KATO
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Publication number: 20240078571Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.Type: ApplicationFiled: October 31, 2023Publication date: March 7, 2024Inventors: Kerry Lynne Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steven J. Balbach, Brian Mark Fields, Kyle Pott
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Publication number: 20240078572Abstract: Embodiments provide systems, methods, and computer storage media for prediction and computation of electronic shopping carts. In an example embodiment, for each interaction between an e-shopper and an e-commerce application, one or more predicted electronic shopping carts that represent a combination of items the e-shopper is likely to purchase are generated based on current items in the e-shopper's electronic shopping cart and recent interactions with the e-shopper. For some or all of the predicted electronic shopping carts (e.g., those with top predicted confidence levels), corresponding shopping cart computations (e.g., identifying application promotions, determining a price total for the items in the predicted shopping cart) are executed and cached prior to the e-shopping adding the predicted items. As such, a page configured to visualize the predicted electronic shopping cart with a value retrieved from the cached shopping cart computations (e.g.Type: ApplicationFiled: September 6, 2022Publication date: March 7, 2024Inventors: Michele Saad, Igor Miniailo
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Publication number: 20240078573Abstract: A device may receive, from a client device of a customer, item data identifying a price of an item and customer data identifying the customer, where the item data may be received by a transaction card from a price tag of the item. The device may receive price data identifying prices associated with multiple items and other data identifying locations, availabilities, and terms of the multiple items, and may process the item data, the price data, and the other data, with a machine learning model, to identify an optimal price for the item. The device may provide, to the client device, data identifying the optimal price and data identifying a merchant associated with the optimal price, and may receive transaction data identifying the item, the optimal price, and the merchant when the customer purchases the item. The device may perform actions based on the transaction data.Type: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventors: Molly JOHNSON, Adam VUKICH, James ZARAKAS
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Publication number: 20240078574Abstract: Disclosed is a system and several associated methods providing a decentralized fair data marketplace wherein said system keeps time-sensitive (real-time) and location-based data. The system includes a decentralized blockchain for recording participants' registrations, storing transactions such as data production, and sell/buy activities, and ensuring authenticity and privacy of transferred data. Data is gathered through crowdsourcing (data pooling) and data generators are rewarded for willingly contributing datapoints using a dynamic pricing engine designed specifically for time-sensitive location-based datapoints. The set of novelties put together in this invention aims at stimulating a fair and participative data economy where individual contributions, valuation and reward sharing processes are conducted transparently, securely and in a tamperproof manner through use of blockchain, leading to an incentivized and quality data curation.Type: ApplicationFiled: September 1, 2022Publication date: March 7, 2024Inventors: JAKE DORAN, XANDER VAN DER HEIJDEN, BULENT OZEL, EMRE TURAN
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Publication number: 20240078575Abstract: A method and apparatus are provided for presenting multimedia content to a caller and/or a called party in association with a telephone call. Content may be presented pre-ring (before the called party's telephone rings), in-call, and/or post-call. Content presented to a party may be related to another party participating in the call or may be related to a third party (e.g., an advertiser that paid for the ability to have its content presented). Presented content may be actuable, to allow a caller to change the destination of a call, take advantage of an offer presented to him or her, redeem a coupon, schedule or queue a subsequent call, etc. To find a desired destination party, a caller may initiate a manual or automatic search of his or her local contacts (on his telephone) and/or a central or global directory or contact list.Type: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventor: Wendell D. BROWN
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Publication number: 20240078576Abstract: A method for an automated video generation from a set of digital images includes the step of obtaining the set of digital images. The set of digital images represent a specified object to be showcased in an automatically generated video. The method includes the step of implementing pose identification on each view of the specified object in the set of digital images. The method includes the step of implementing a background removal operation to set a consistent background to each digital image. The method includes the step of implementing an image resolution increase operation on each digital image. The method includes the step of implementing an attribute extraction operation on each digital image using a set of image classifiers. The set of image classifiers are run on each digital image to generate one or more textual tags. The one or more textual tags are integrated in the automatically generated video; The method includes the step of implementing an attention map generation.Type: ApplicationFiled: March 12, 2023Publication date: March 7, 2024Inventors: RAJESH KUMAR SALIGRAMA ANANTHANARAYANA, SRIDHAR MANTHANI, VIGNESH KARNIKA
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Publication number: 20240078577Abstract: Merchants provide incentives for customer transactions on accounts issued to them by issuers. Incentives include a merchant making a donation to entities with whom the merchants and/or the consumers have an affinity such as residence in the community. Each merchant can define the donation to be percentage of the transaction amount. Cryptographically secure chains are provided for uniquely labeling each such transaction and each such donation by way of incorporating role-based digital wallets and multiple synchronized transactional blockchains. Where the donations are used to purchase an Internet-of-Things (IOT) enabled system, real and/or near-real time usage information can be received and transmitted to the logical addresses of the customers and or the merchants so as to confirm efficacy of the donations.Type: ApplicationFiled: May 5, 2023Publication date: March 7, 2024Inventors: Terrance Patrick TIETZEN, Matthew Arnold Macpherson BATES, Michael J. KIMBALL
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Publication number: 20240078578Abstract: In a method and computer system adapted for performing digital asset donation transactions for nonprofit organizations (NPOs), at least one of one or more computing devices ingests digital donation assets from one or more donors intended for a NPO, and then tokenizes the ingested digital donation assets using stablecoin to provide tokenized assets. The tokenized assets are then processed for transfer via ACH to the NPO.Type: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventor: JEFFREY G. CONWAY
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Publication number: 20240078579Abstract: A system and method for ordering, ranking, producing, marking, and shipping limited run or limited availability/edition items, such as clothing items, is provided. A web-based or other ordering system is used to process an order. Upon payment, a sequential and ranked Sequence ID is generated for the purchased item. This Sequence ID expresses an ordered ranking within the item's ordering and/or production timeline. The unique, ranked Sequence ID may be applied to a patch or otherwise printed directly onto the limited-edition item and included as a prominent feature for visual appeal or other benefit. A certificate of authenticity may be generated with the limited-edition, ranked item.Type: ApplicationFiled: August 4, 2023Publication date: March 7, 2024Inventor: Timothy James Ryan
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Publication number: 20240078580Abstract: The disclosure provides methods of creating an online shopping mall consisting of websites having a single domain name extension including creating a website with the single domain name extension, creating a page on the online shopping mall website with the domain name without the single domain name extension, indexing the web site with a search engine, and redirecting the indexed domain name with the single domain name extension to the page on the online shopping mall website. The single domain name extension may be the “*.us” extension. The search engine may be Google™. The online shopping mall may include a subcategory of business entities. The subcategory may include a food court.Type: ApplicationFiled: August 11, 2023Publication date: March 7, 2024Inventor: Leila Downs
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Publication number: 20240078581Abstract: Technologies are shown for automatic account generation for a transaction between two user devices. In accordance with some aspects, machine readable code is received at a first user device of a first user from a second user device of a second user. The machine readable code is associated with an item token for a transaction between the users. Responsive to receiving the machine readable code: an authentication token is received in response to authenticating the first user, and an account creation request that includes the item token and the authentication token is sent to an intermediary transaction service. The account creation request causes the intermediary transaction service: to generate a first account for the first user using information for the first user obtained using the authentication token, and to facilitate a transaction for the item between the first account and a second account of the second user.Type: ApplicationFiled: November 10, 2023Publication date: March 7, 2024Inventors: Dhaval D. Karwa, Vanuj Juneja, Bindia Saraf
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Publication number: 20240078582Abstract: A self-service vending machine, system, and method for the integrated sale and rental of specialized equipment is provided. Namely, a storage means may be configured to house a rental product and non-rental product, a delivery means, a receiving means, a user interface, and communication means operative to carry out the method. The method may comprise the steps of receiving a transaction request, displaying at least one customization option, and customizing a transaction. The customization option may include a rental period length, any products included in the transaction, and add-ons such as additional products or insurance. The communication means may carry out the steps of authenticating a user's identity, calculating a transaction fee, receiving a payment, and delivering, through the delivery means, the rental and non-rental product. Further, the communication means may facilitate returning the rental product following the end of the rental period.Type: ApplicationFiled: September 7, 2022Publication date: March 7, 2024Inventors: Brian P. Fulkerson, Jourdin K. Blackman
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Publication number: 20240078583Abstract: A search system generates custom attributes for use as search facets. User input associated with an image of a target item available on a listing platform is received. The image is analyzed to determine an attribute of the target item as a custom attribute. A value for the custom attribute is determined for each of a number of other items available on the listing platform that are of the same item type as the target item. Search results are provided based at least in part on the values of the custom attribute for the other items.Type: ApplicationFiled: September 6, 2022Publication date: March 7, 2024Inventors: Ronald Eduardo ORIBIO, Robert William BURKE, JR., Michele SAAD, Irgelkha MEJIA
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Publication number: 20240078584Abstract: A system, platform and method for personalized shopping are provided. In some embodiments, a personalized shopping assistant system may include a Point of Sale based automated shopping assistant apparatus, for generating a 3D user shopping profile based on a capture of at least a part of a user's body; a shopping assistant server connected to a shopping assistant database, based in a communications cloud, wherein the user shopping profile is uploaded to the shopping assistant database; a mobile device application for applying the user shopping profile in a store, using the user's mobile device; and multiple product identifiers for enabling the user to capture selected products using the mobile device application, wherein the product identifiers include scannable product data that is stored on the shopping assistant database.Type: ApplicationFiled: November 10, 2023Publication date: March 7, 2024Inventors: David Bleicher, Tamir Lousky
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Publication number: 20240078585Abstract: Disclosed are a method and apparatus for sharing information. A particular embodiment of the method comprises: in response to detecting that a user selects article information from a preset candidate item information set, adding the selected article information to a target article information set; detecting whether the user executes a sharing operation with regard to the target article information set; and in response to detecting that the user has executed the sharing operation with regard to the target article information set, sending the target article information set to an object indicated by the sharing operation. According to the embodiment, the flexibility of information sharing is improved.Type: ApplicationFiled: August 21, 2020Publication date: March 7, 2024Inventors: Yingshuai WANG, Xiaoxia LI, Shiyu MIAO
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Publication number: 20240078586Abstract: In selected embodiments a recommendation generator builds a network of interrelationships between venues, reviewers and users based on their attributes and reviewer and user reviews of the venues. Each interrelationship or link may be positive or negative and may accumulate with other links (or anti-links) to provide nodal links the strength of which are based on commonality of attributes among the linked nodes and/or common preferences that one node, such as a reviewer, expresses for other nodes, such as venues. The links may be first order (based on a direct relationship between, for instance, a reviewer and a venue) or higher order (based on, for instance, the fact that two venue are both liked by a given reviewer). The recommendation engine in certain embodiments determines recommended venues based on user attributes and venue preferences by aggregating the link matrices and determining the venues which are most strongly coupled to the user.Type: ApplicationFiled: May 4, 2023Publication date: March 7, 2024Applicant: NARA LOGICS, INC.Inventors: Nathan R. WILSON, Emily A. HUESKE, Thomas C. COPEMAN, Evan Favermann EISERT, Jana B. EGGERS, Raymond J. PLANTE, Michael D. HOULE
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Publication number: 20240078587Abstract: The present invention relates to a toothbrush type recommendation apparatus. The toothbrush type recommendation apparatus comprises: a user input unit; an output unit; and an operation control unit connected to the user input unit and the output unit.Type: ApplicationFiled: November 24, 2021Publication date: March 7, 2024Inventors: Myeong Yong KIM, Seong Hong, II
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Publication number: 20240078588Abstract: Techniques for implementing artificial crowd intelligence via networking of recommendation engines are disclosed. In some example embodiments, a base recommendation engine performs a computer-implemented method comprising: receiving a recommendation request; generating a first plurality of recommendations based on the recommendation request using a base recommendation model; obtaining one or more other recommendations from one or more other recommendation engines, each one of the other recommendation engines being configured to generate the other recommendations based on the recommendation request using a corresponding recommendation model; obtaining a corresponding weight for the other recommendation engine(s); selecting at least one recommendation from the first plurality of recommendations and the other recommendation(s) using the corresponding weight(s); and causing the selected recommendation(s) to be displayed.Type: ApplicationFiled: November 13, 2023Publication date: March 7, 2024Inventors: Oren Haze, Yihezkel Schoenbrun