Determining Discount Or Incentive Effectiveness Patents (Class 705/14.13)
  • Patent number: 11068923
    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.
    Type: Grant
    Filed: September 18, 2015
    Date of Patent: July 20, 2021
    Assignee: EDATANETWORKS INC.
    Inventors: Terrance Patrick Tietzen, Matthew Arnold Macpherson Bates
  • Patent number: 11055601
    Abstract: A system and methods for generating and applying learning agents in simulated environments, in which an agent simulation is selected, one or more agent goals are received, and agents are created which are individual instances of the agent simulation with each agent having at least one of the agent goals, wherein the agents are used in the execution of an environment simulation which dynamically changes based on the collective behavior of the agents.
    Type: Grant
    Filed: January 29, 2018
    Date of Patent: July 6, 2021
    Assignee: QOMPLX, Inc.
    Inventors: Jason Crabtree, Andrew Sellers
  • Patent number: 11030597
    Abstract: A method of managing franchises using a credit-card payment system is provided.
    Type: Grant
    Filed: May 2, 2017
    Date of Patent: June 8, 2021
    Assignee: PARIS CROISSANT CO., LTD.
    Inventor: Hee Soo Hur
  • Patent number: 10977645
    Abstract: A method for facilitating the exchange of a stable cryptocurrency collateralized by government-issued debt. First granularity parameters are received through a first wallet interface of a first digital wallet. A first restricted use key is generated based upon the first granularity parameters and provided to an owner of a second digital wallet. A second restricted use key is generated based upon second granularity parameters received through a second wallet interface associated with the second digital wallet. Information from a blockchain wallet is accessed using the second restricted use key wherein the information relates to one or more of an ID classification and risk score of the second wallet owner at a level of detail determined by the second granularity parameters. An indication to proceed with a transaction between the first digital wallet and the second digital wallet may then be received through the first wallet interface.
    Type: Grant
    Filed: June 10, 2020
    Date of Patent: April 13, 2021
    Inventors: Miles Paschini, Nitin Agarwal
  • Patent number: 10963903
    Abstract: A workflow management system enables an entity to store information components in one or more publicly accessible databases, the information components associated with an acquisition by the acquisition entity. A unique entity identifier is associated with the information components in the databases, such that when reviewing entities access the information component via the databases and perform a similar event, a similar event object with the unique entity identifier is transmitted to the workflow management system. The information components may also be distributed by secondary entities, which may be automatically selected by the workflow management system based on historical data associated with respective secondary entities. When event objects initiated by information components stored by a secondary entity are received at the workflow management system, some or all of a maximum value increment associated with the acquisition is partitioned between the secondary entity and the acquisition entity.
    Type: Grant
    Filed: December 1, 2016
    Date of Patent: March 30, 2021
    Assignee: Share Edge, LLC
    Inventors: Benjamin C. Stewart, Thomas E. Larkin, III
  • Patent number: 10963836
    Abstract: Described is a system and method for propagating, synchronizing and expiring user specific information among multiple output devices. In some implementations, retention information is provided along with the user specific information and the output device and/or output device controller will determine when to expire the user specific information based on the retention information. In other implementations, the output device controller and/or output device may periodically request updates from other output devices, output device controllers and/or the inventory management system to determine whether to expire user specific information.
    Type: Grant
    Filed: September 9, 2019
    Date of Patent: March 30, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Alexander Michael McNamara, Korwin Jon Smith, Benjamin Ralph Hollis, Sridhar Boyapati, Felix Joseph Etienne Pageau, Natalie Thuy-Tien Nguyen
  • Patent number: 10909560
    Abstract: Methods, apparatus, systems and articles of manufacture are disclosed to identify affinity between segment attributes and product characteristics. An example method includes identifying, with a processor, a set of product characteristics from purchase transactions that exhibit a threshold product affinity, selecting, with the processor, a set of products having at least one product characteristic from the set of product characteristics that exhibit the threshold product affinity, the set of products associated with first segments, extracting, with the processor, segment attributes from the first segments, and improving a market success of the product of interest by identifying, with the processor, target segments based on ones of the extracted segment attributes exhibiting a threshold segment affinity.
    Type: Grant
    Filed: November 5, 2018
    Date of Patent: February 2, 2021
    Assignee: THE NIELSEN COMPANY (US), LLC
    Inventors: Leonid Ayzenshtat, Kalyanraman Rajamani, Alexey Vishnevskiy, Nikolay Georgiev, Mara Preotescu
  • Patent number: 10909568
    Abstract: Provided is a process, including: obtaining a coupon issued by a merchant, the coupon being redeemable both on-line, at the merchant's website, and in-store, at a physical location of the merchant; sending the coupon to publishers for presentation to consumers by the publishers on user devices of the consumers; and receiving indications from the user devices of the consumers that the consumers interacted with the coupon, the indications indicating a consumer selection of an in-store redemption option or an on-line redemption option.
    Type: Grant
    Filed: April 19, 2018
    Date of Patent: February 2, 2021
    Assignee: RETAILMENOT, INC.
    Inventors: Michael Thomas Georgoff, Brian Keith Showers, Jimmy Jaejoon Song, John Thomas Pile, Edgar Mitchell Dapremont, III
  • Patent number: 10896446
    Abstract: Systems and methods for determining location-based bid modifier suggestions include determining a content placement cost based in part on a likelihood of a user that has entered a physical establishment completing a transaction, an average transaction amount for the establishment, and an expected return on investment (ROI). A location-based bid modifier may be determined using the computed cost and a base bid amount. In some implementations, the location-based bid modifier may also be based on a probability model that models the probability of the user visiting the establishment.
    Type: Grant
    Filed: October 17, 2017
    Date of Patent: January 19, 2021
    Assignee: Google LLC
    Inventors: Zhou Yu, Dheeraj Ashok Motwani
  • Patent number: 10891041
    Abstract: A method compares data sets in a data preparation application. The method displays a user interface including a data flow pane and a profile pane. The data flow pane displays a flow diagram with nodes, each node corresponding to a data set. When a user selects a first node, the method displays distributions of data values for data fields from a first data set for the first node. When a user selects a second node, the method: (1) forms a composite data set comprising a union of (i) the first data set and (ii) a second data set for the second node; (2) groups data values for each data field to form sets of bins; and (3) displays data value distributions for each data field using the bins. Each bin depicts counts of data values in the bin originating from the first data set and the second data set.
    Type: Grant
    Filed: August 14, 2019
    Date of Patent: January 12, 2021
    Assignee: Tableau Software, Inc.
    Inventor: Brice Johnson
  • Patent number: 10885540
    Abstract: Systems and methods for providing campaign driven offer distribution include receiving, from a service provider device associated with a service provider, first campaign information for a first campaign. A first offer that has been configured to be irredeemable by the first customer and that includes a first offer condition associated with the first campaign information that must be satisfied to reconfigure the first offer to be redeemable by the first customer is provided for display on a first customer device. A notification indicating the first offer condition has been satisfied is received. In response to receiving the notification indicating the first offer condition has been satisfied, the first offer is reconfigured to be redeemable by the first customer. A notification indicating a status change with the first offer that causes the first offer to be displayed on the first customer device is communicated to the first customer device.
    Type: Grant
    Filed: March 30, 2016
    Date of Patent: January 5, 2021
    Assignee: PAYPAL, INC.
    Inventors: Alexander Berger, Manas Garg
  • Patent number: 10877975
    Abstract: Machine learning of selections of electronic records between a user environment and a customer environment is implemented using an intermediary virtual environment. A request received from the user environment includes a request for electronic records corresponding to the customer environment. A selection of electronic records is determined based on the request and transmitted to the user environment. A message received from the user environment includes an indication of one or more electronic records selected from the user environment. A next request from the customer environment includes a request to determine that a second selection of electronic records of the customer environment is indicated within the intermediary virtual environment. A message is transmitted to the customer environment responsive to determining that the second selection of electronic records corresponds to the one or more electronic records indicated from the user environment.
    Type: Grant
    Filed: April 19, 2017
    Date of Patent: December 29, 2020
    Inventor: Joseph H. Walker
  • Patent number: 10861104
    Abstract: A computer-implemented system and method configure a payment processing system to interpret image data from scanned payment coupons. A screen display is generated for presentation to a recipient of payments, such as a business. The screen display shows a sample payment coupon. Configuration information is received that is generated based on user inputs. The user inputs designate a region of the sample payment coupon and define how scanned information in the designated region is to be interpreted.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: December 8, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Deborah A. Young
  • Patent number: 10810631
    Abstract: System architecture and methods for enabling a client-side real-time auction of advertising inventory that works in conjunction with ad serving technologies. The method according to some embodiments of the present invention comprise: (i) an end-user visiting a web page wherein multiple advertisements are displayed, (ii) for each ad unit on the page, multiple parallel requests are sent from the end-user's browser client to multiple real-time bidders who respond with a bid & advertisement for each unit, (iii) the bids are compared within the end-user's browser and the winning bid is sent to an ad serving system to be compared with other statically priced advertisements and exchange demand to determine the winning advertisements that will be displayed to the end-user and (iv) data is aggregated for each bid and price limits are set based on the aggregations.
    Type: Grant
    Filed: October 25, 2016
    Date of Patent: October 20, 2020
    Assignee: OpenX Technologies, Inc.
    Inventors: Qasim Saifee, Bin Shen, Brian Schmidt, Jarriett Robinson, David Tannenbaum, Vadim Telyatnikov
  • Patent number: 10769160
    Abstract: A method for processing time series measurement data is provided. Data including a plurality of network performance metrics is received over a plurality of time periods. The received data is written to a plurality of measure data structures. The measure data structures are stored to a two dimensional array having a first dimension and a second dimension. The first dimension represents time and the second dimension represents a plurality of network entities. Elements of the two-dimensional array are compressed into BLOBs. Each one of the BLOBS is associated with a time period and a measure type associated with the data stored within a corresponding BLOB. The BLOBS are stored in a first table and second table. The first table is indexed by a combination of a network entity and a time period. The second table is indexed by a combination of a network performance metric and a network entity.
    Type: Grant
    Filed: July 20, 2017
    Date of Patent: September 8, 2020
    Assignee: AirMagnet, Inc.
    Inventor: Peter Reilly
  • Patent number: 10755288
    Abstract: The present disclosure relates to a system and method for determining advertising conversion metrics. In some implementations, a method includes receiving spatial information associated with a user in connection with an advertisement presented through a wireless device 102. The advertisement is associated with an offline 110 store having a geographic location. A likelihood of conversion is determined based, at least in part, on the spatial information and the geographic location of the offline store 110.
    Type: Grant
    Filed: April 8, 2019
    Date of Patent: August 25, 2020
    Assignee: Google LLC
    Inventors: Sam Liang, Marius C. Milner
  • Patent number: 10748160
    Abstract: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: August 18, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lianghan Chen, Kevin Correll, Leon Telyaz, Nicole E. Pivnick
  • Patent number: 10706076
    Abstract: A method and system to automatically categorize a merchant listing in an electronic marketplace are provided. The method includes parsing the category information submitted by a seller to derive a first category identifier. A first search is performed to locate the first category identifier in a first database containing a listing of category identifiers. If no match is found, the first category identifier is identified as expired or invalid. A second search is performed on a second database that includes mapping information of an expired category identifier to a new category identifier. If a match is found, the first category identifier is assigned as the new category identifier, thereby enabling the listing to be listed in the updated category automatically.
    Type: Grant
    Filed: April 4, 2017
    Date of Patent: July 7, 2020
    Assignee: eBay Inc.
    Inventors: Shashi Seth, Brian Scott Johnson, Robin Kennedy, Niraj Kothari
  • Patent number: 10659547
    Abstract: The ACTIONABLE NOTIFICATIONS APPARATUSES, METHODS AND SYSTEMS (“ACNO”) transforms inputs such as actionable notification enrollment input, action input, and trigger messages via ACNO components into actionable notification message output. In one embodiment, the disclosure describes a processor-implemented actionable notification method, which comprises, receiving an actionable notification enrollment request with a device identification, and criteria for receiving actionable notifications, and receiving an actionable notification trigger message. The method further comprises determining an actionable notification message based on the actionable notification trigger message and the criteria for receiving actionable notifications, and determining actionable notification associated actions. The method further comprises transmitting the actionable notification message and the associated actions, and receiving an action selection from the associated actions, and effecting the action selection.
    Type: Grant
    Filed: January 8, 2018
    Date of Patent: May 19, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Dhiraj Sharda
  • Patent number: 10643231
    Abstract: A method for rewarding physical activity is disclosed. At a server computer, goal data is received from a user device for a user. The goal data comprises a description of a physical activity for traveling to a location of a retailer within a time goal. The goal data includes a reward to be provided to the user for completing the physical activity within the time goal. User data is received from the user device. The user data includes data from an activity monitor and geolocation data. Based on the user data, a determination is made as to whether the user has completed the physical activity within the time goal. When the determination is made that the user has completed the physical activity within the time goal, the reward is provided to the user.
    Type: Grant
    Filed: April 28, 2016
    Date of Patent: May 5, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael Glynn D'Andrea, John Edward Cronin
  • Patent number: 10621609
    Abstract: Approaches presented herein enable providing a group-based purchasing incentive related to a product or service at a retail store to a customer among a group of customers contingent on an action being performed by a predefined number of members from the group. Specifically, a customer in a retail store is identified as part of a group of customers. A notification of a group-based purchasing incentive offer is transmitted to a mobile device of the identified customer. The offer is contingent on a specified number of other customers in the group performing an action. When the specified number of other customers in the group have performed the action, the group-based purchasing incentive is provided to the identified customer.
    Type: Grant
    Filed: January 3, 2017
    Date of Patent: April 14, 2020
    Assignee: International Business Machines Corporation
    Inventors: Ryan M. Graham, Jeremy A. Greenberger, Ciaran E. Hannigan, Matthew J. Margolis, Kevin M. J. Roisin
  • Patent number: 10607300
    Abstract: The disclosed embodiments provide a system that facilitates electronic communication among users. During operation, the system obtains financial data as a set of financial transactions. Upon receiving a request to transmit a message, the system obtains one or more recipient attributes from the request. Next, the system uses the financial transactions to identify a set of recipients that matches the one or more recipient attributes. The system then transmits the message to the set of recipients without revealing the PII for the set of recipients to a creator of the message.
    Type: Grant
    Filed: July 31, 2015
    Date of Patent: March 31, 2020
    Assignee: INTUIT INC.
    Inventors: Christopher Z. Lesner, Alexander S. Ran
  • Patent number: 10580026
    Abstract: The present disclosure relates to identifying a product or service in a store and offering to sell products and services that the customer can purchase in that store. Methods and apparatus consistent with the present disclosure allow retail stores to provide real-time information to their customers about products and/or services that may complement another product that a customer is interested in purchasing. A portable electronic device, such as a cell phone, may receive wirelessly transmitted communications from wireless transmitters that are associated with products and services that the customer approaches, touches, or scans.
    Type: Grant
    Filed: August 7, 2017
    Date of Patent: March 3, 2020
    Assignee: DIGIPRINT IP LLC
    Inventor: Avery Levy
  • Patent number: 10580092
    Abstract: A method is provided. The method includes: displaying media information which is shared by a Social Networking Service (SNS) platform and released by a second client; displaying an entrance for giving free resources provided by the SNS platform; and in response to an operation for giving free resources triggered through the entrance, sending an instruction for giving free resources for the media information to the SNS platform which transfers a given-free resource from an account of the first client to an account of the second client according to the instruction.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: March 3, 2020
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Zhenli Xie, Ming Zeng, Tianqing Huang, Zhifeng Luo, Jie Lin, Sicheng Huang, Jiajian Xu
  • Patent number: 10552924
    Abstract: Methodologies, systems, and computer-readable media are provided for generating redeemable electronic fuel codes and validating fuel payments at a fuel point of sale terminal. An enterprise can be configured to receive an indication of fuel purchase request and can request authorization from a financial institution or account associated with at least one individual. If the payment is authorized, the enterprise can generate a purchase authorization for the amount of fuel requested and create an encrypted electronic fuel code that can be transmitted to the individual and used for redeeming fuel at a fuel point of sale terminal associated with the enterprise. An enterprise can be configured to sell fuel to at least one individual using a phone number and a unique security PIN at a fuel point of sale terminal, such that the at least one individual is billed for the fuel purchase via their phone service provider.
    Type: Grant
    Filed: July 28, 2016
    Date of Patent: February 4, 2020
    Assignee: Walmart Apollo, LLC
    Inventor: Vikram Chawla
  • Patent number: 10535076
    Abstract: A deal program life cycle system and method is disclosed. The deal program life cycle may oversee the issuance of deals from a deal program to consumers over the life cycle of the deal program. One or more aspects of the deal program may change during different periods of the life cycle of the deal program. For example, the deal program may include deal features, a number of units for deals, and relevance features for the deal program. The deal features, number of units of deals, and/or relevance features for the deal program may change during the different periods of the life cycle.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: January 14, 2020
    Assignee: GROUPON, INC.
    Inventors: David Thacker, David Hoover, Anthony Caliendo, Ruslan Gilfanov, Amit Aggarwal
  • Patent number: 10528963
    Abstract: Methods and systems are disclosed for issuing, evaluating, and monitoring offers and incentives linked to various consumer financial accounts. Financial service account providers, merchants, card-linked offer providers, and/or service providers may collect transaction information relating to the redemption of card-linked offers. From the data, informative metrics may be determined relating to the offer, its redemption rate, and the consumers who redeemed it. The metrics may be used to evaluate the relative success of the offer, and can trigger revenue sharing processes derived from the offer. In certain aspects, incentive offers may be modified based on the metrics. In further embodiments, the metrics may also be used to determine a metric score that provides further information about the card-linked offer campaign.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: January 7, 2020
    Assignee: Capital One Services, LLC
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
  • Patent number: 10515403
    Abstract: Shared electronic resources can be allocated to customers by auction when there is contention among the customers for the resources. Each customer can receive a bid pool for a shared electronic resource. A customer may prioritize a request by withdrawing a bid amount from the customer's bid pool and submitting the bid amount with a request for the shared resource. A resource provider may assess the capacity of the shared resource to process requests and conduct an auction at various times, such as during periods of congestion, to determine the requests that the shared resource will process at a given time. Customers can demand a refunded bid amount when the auction price is less than the customer's bid amount, and the customer can issue a repudiation challenge if no auction was held or the customer did not receive access to the shared resource.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: December 24, 2019
    Assignee: Amazon Technologies, Inc.
    Inventor: Nicholas Alexander Allen
  • Patent number: 10515421
    Abstract: A human resources management system includes an account information storage unit that stores balance information in multiple accounts in which money is pooled and a deposit and withdrawal history of each account. A deposit and withdrawal controlling part updates, on the basis of a reward amount of money to an operation determined between an ordering party and an order receiving party of the operation, information on the balances in an account of the ordering party and an account of the order receiving party and their deposit and withdrawal histories. Information on the balances and the deposit and withdrawal histories of the account is stored in the account information storage unit. An operational performance evaluation unit evaluates an operational performance of an owner of each account in a period on the basis of the deposit and withdrawal history.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: December 24, 2019
    Assignee: DISCO CORPORATION
    Inventor: Kazuma Sekiya
  • Patent number: 10515389
    Abstract: According to one or more embodiments of the disclosure, a method is provided. The method may include receiving, by at least one server comprising one or more processors, from a user device, a request for a web page comprising product detail information associated with a focus product identifier. The method may also include receiving an advertisement request associated with the focus product identifier. Furthermore, the method may include determining, based at least in part on the focus product identifier, a product sample identifier associated with a product sample to offer with the product. Additionally, the method may include selecting, based at least in part on the product sample identifier, a product sample advertisement.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: December 24, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Melissa Naarden Burdick, James Wallace Scythes, Cynthia Lee Walker, Jeremiah Lee Morgan, Eric Just Mickelsen, Lisa Diane Crowder
  • Patent number: 10511443
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: December 17, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 10510090
    Abstract: A system may receive information representing a first item and an item price of the first item from a first user device operated by a buyer. The first item may be available for sale by a merchant of a brick-and-mortar store. A plurality of sellers may be identified, the plurality of sellers may list a second item as being available for sale at the calculated reduced item price in an item listing for the second item. Moreover, the second item may be similar to the first item. A reduced item price may be calculated based on the item price of the first item received from the user device, the reduced item price representing a price lower than the item price of the first item. The item listing for the second item available for sale may be presented to the first user device operated by the buyer.
    Type: Grant
    Filed: April 10, 2014
    Date of Patent: December 17, 2019
    Assignee: eBay Inc.
    Inventor: Alpha Kamchiu Luk
  • Patent number: 10504129
    Abstract: The present disclosure relates to identifying a product or service in a store and offering to sell products and services that the customer can purchase in that store. Methods and apparatus consistent with the present disclosure allow retail stores to provide real-time information to their customers about products and/or services that may complement another product that a customer is interested in purchasing. A portable electronic device, such as a cell phone, may receive wirelessly transmitted communications from wireless transmitters that are associated with products and services that the customer approaches, touches, or scans.
    Type: Grant
    Filed: August 7, 2017
    Date of Patent: December 10, 2019
    Assignee: DIGIPRINT IP LLC
    Inventor: Avery Levy
  • Patent number: 10489794
    Abstract: A method and apparatus are provided for marketing products. The method includes the steps of a first vendor contracting with a second vendor under a contract whereby the first vendor pays a commission to the second vendor in exchange for referrals of customers by the second vendor to the first vendor where the first vendor sells products that are complementary to products sold by the second vendor, the first vendor selling a product to a customer of the second vendor, a tracking program calculating a commission payable on the product and the first vendor paying the commission to the first vendor in accordance with the contract.
    Type: Grant
    Filed: March 5, 2008
    Date of Patent: November 26, 2019
    Assignee: ELECTRONIC CREDIT SYSTEMS CORPORATION
    Inventor: Robert Brenstein
  • Patent number: 10467653
    Abstract: Systems and methods are provided for determining a quantity of network location visitors that are likely generated or encouraged by specific offline events. A corresponding number of leads may then be attributed to and associated with those specific events. Ongoing conversion activity of those visitors may be tracked and associated with the offline events. Conversions of those visitors may be attributed entirely or partially to one or more specific offline events. The effectiveness of each offline may then be evaluated based on aggregate lead and conversion information.
    Type: Grant
    Filed: October 22, 2013
    Date of Patent: November 5, 2019
    Assignee: Oath (Americas) Inc.
    Inventors: Armen Avedissian, Nathan Janos
  • Patent number: 10445731
    Abstract: The system facilitates the transmission of account numbers between transaction account issuers, merchants, and consumers. A transaction account issuer may transmit a portion of an account number to a merchant. A consumer may transmit the remainder of the account number to the merchant. The merchant may combine the portion of the account number received from the transaction account issuer and the remainder received from the consumer. The transaction account issuer may transmit the full account number to the merchant in a usable format. The merchant may transmit an authorization request for a transaction to the transaction account issuer including the full account number.
    Type: Grant
    Filed: December 15, 2014
    Date of Patent: October 15, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sarah C. Dodds-Brown, Anwesa Paul
  • Patent number: 10445750
    Abstract: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.
    Type: Grant
    Filed: December 19, 2018
    Date of Patent: October 15, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lianghan Chen, Kevin Correll, Leon Telyaz, Nicole E. Pivnick
  • Patent number: 10438303
    Abstract: A method of coupon distribution is used in connection with a demand response (DR) event. The method includes clustering DR customers into customer clusters based on energy use behaviors of the DR customers. Suggested coupons are received from merchants, each coupon including load serving entity (LSE) and merchant contributions. Based on energy price forecast, the suggested coupons, and customer information, a coupon distribution is found to maximizes a financial benefit to the LSE and includes an optimal number of the suggested coupons to be distributed to the customer clusters. The suggested coupons are distributed to the customer clusters per the coupon distribution and collecting responses to the suggested coupons indicating participation. Based on the customer responses, the method includes estimating energy curtailment contributions of the DR customers and an actual energy price for the DR event and communicating to an independent system operator an energy transaction bid based thereon.
    Type: Grant
    Filed: September 1, 2015
    Date of Patent: October 8, 2019
    Assignee: FUJITSU LIMITED
    Inventors: Wei-Peng Chen, Mostafa Majidpour
  • Patent number: 10437610
    Abstract: Systems and computer-readable media are disclosed for utilizing one or more data sources to generate a customized user interface. A first set of services and operations may be generated. Each service and operation in the first set of services and operations may be ranked based on an analysis of user engagement data. A second set of services and operations may be generated based on the ranking of each service and operation in the first set. Client-side instructions to render the second set of services and operations may be transmitted to a user device.
    Type: Grant
    Filed: May 25, 2016
    Date of Patent: October 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Cameron Wadley, Jiyoung Choi, Hamid Dalglijli, Thomas H. Judge, Britton T. Farrell, Katherine Dintenfass, Craig Terrill, Susan Varghese, Minh Vuong
  • Patent number: 10430818
    Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.
    Type: Grant
    Filed: November 29, 2016
    Date of Patent: October 1, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Mark Carlson, Patrick L. Faith
  • Patent number: 10410233
    Abstract: A method, apparatus and computer program product are provided for providing auto-replenishment of an inventory of promotions. Auto-replenishment amounts and dates may be determined based on a variety of factors including current inventory, outstanding promotions, redemption ratios and redemption rates. Redemption ratios and redemption rates may be characterized based on provider information, consumer information, and/or promotion information. Auto-replenishment may result in a smoothed redemption curve and optimal impact to the provider.
    Type: Grant
    Filed: February 23, 2017
    Date of Patent: September 10, 2019
    Assignee: GROUPON, INC.
    Inventor: Bryce Forester
  • Patent number: 10410275
    Abstract: An integrated purchase management apparatus includes a wish list collection unit for collecting a wish list including product information from at least one product selling apparatus, an integrated wish list generation unit for generating the integrated wish list of a corresponding user and storing the generated integrated wish list, an integrated wish list provision unit for obtaining additional payment means that belongs to additional payment means and transmitting integrated wish list information including the obtained additional payment means and the integrated wish list to the terminal device of the user, and a settlement processing unit for applying additional payment means corresponding to additional payment means selection information to a settlement request amount and performing settlement on the remaining amount using payment means, when a settlement request signal including the additional payment means selection information and the payment means is received.
    Type: Grant
    Filed: June 26, 2015
    Date of Patent: September 10, 2019
    Assignee: SK PLANET CO., LTD.
    Inventors: Koung Suk So, Eun Su Jeong
  • Patent number: 10395282
    Abstract: A computer-implemented method for generating coupons is provided. The method comprises receiving a query for a coupon from a publisher for an ad unit; wherein said ad unit is designed by a third party designer and comprises certain visually perceptible elements; responsive to receiving the query determining if a coupon should be generated for the ad unit; if it is determined that a coupon should be generated for the ad unit, then: (A) retrieving stored data to corresponding to the ad unit; (B) using the stored data, to automatically generate a coupon for displaying together with the ad unit; wherein said coupon includes elements that visually correspond to the visually perceptible elements of the ad unit; and (C) transmitting said coupon to the publisher for displaying with the ad unit.
    Type: Grant
    Filed: August 20, 2015
    Date of Patent: August 27, 2019
    Assignee: Aintu Inc.
    Inventor: Arthur Vaysman
  • Patent number: 10395280
    Abstract: Systems and methods for determining location-based bid modifier suggestions include determining a content placement cost based in part on a likelihood of a user that has entered a physical establishment completing a transaction, an average transaction amount for the establishment, and an expected return on investment (ROI). A location-based bid modifier may be determined using the computed cost and a base bid amount. In some implementations, the location-based bid modifier may also be based on a probability model that models the probability of the user visiting the establishment.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: August 27, 2019
    Assignee: Google LLC
    Inventors: Zhou Yu, Dheeraj Ashok Motwani
  • Patent number: 10360578
    Abstract: In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site.
    Type: Grant
    Filed: January 28, 2013
    Date of Patent: July 23, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Gourab Basu, Ross Sakata, Michael Mori
  • Patent number: 10346868
    Abstract: A gift exchange platform assigns gifts to individuals in a network of businesses. Each of the businesses offers a set of gifts available for assigning by other businesses or individuals. The gift assignment system receives the set of offered gifts and gift transaction data describing the gifts in a time interval. A fairness score for each business is calculated based on the comparison of the inbound and outbound scores of the business reflecting the value provided by the business and received by the business of gifts. A request is received from a business, individual or an automated gift system to assign a gift to an individual. A gift and a gift offering business are assigned to an individual based on the fairness score of the assigned business. The gift assignment further accounts for an expected value of an individual to the business on redemption of the gift by the individual.
    Type: Grant
    Filed: January 9, 2015
    Date of Patent: July 9, 2019
    Assignee: Nift Networks, Inc.
    Inventors: Elery Pfeffer, David Parkes
  • Patent number: 10346920
    Abstract: Systems and techniques for structuring and analyzing a fixed-income security are disclosed. The fixed-income security includes a coupon that provides at least a variable rate of interest payment over a time interval. The variable rate of interest payment may be based at least in part on a set of environmental, social, and governance (“ESG”) goals defined for an issuer over the time interval. A set of ESG values associated with performance of the issuer and corresponding to the set of ESG goals may be reported, independently audited, and used to determine the variable rate of interest payment provided by the security.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: July 9, 2019
    Assignee: REFINITIV US ORGANIZATION LLC
    Inventor: André Chanavat
  • Patent number: 10262357
    Abstract: Systems and methods conduct one or more real-time auctions during a live event at a venue, wherein the one or more real-time auctions comprise at least one auction item and/or service. The system and methods comprises digital mobile application software downloaded to a first digital mobile device, at least one positioning system configured to determine when the first digital mobile device is located within or near the venue and a computer server in digital communication with the at least one positioned system and the first digital mobile device. The computer server transmits information indicative of a real-time auction to the first digital mobile device when the first digital mobile device is located within or near the venue during the live event, wherein the computer server receives data indicative of at least one first auction bid for the at least one auction item and/or service from the first digital mobile device via the digital mobile application software executed by the first digital mobile device.
    Type: Grant
    Filed: May 1, 2015
    Date of Patent: April 16, 2019
    Assignee: IGOT IT!, L.L.C.
    Inventor: Peter B Johnson
  • Patent number: 10223704
    Abstract: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: March 5, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lianghan Chen, Kevin Correll, Leon Telyaz, Nicole E. Pivnick
  • Patent number: 10223707
    Abstract: In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement.
    Type: Grant
    Filed: August 20, 2012
    Date of Patent: March 5, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Walter J. Granville, III