Based On User History Patents (Class 705/14.25)
  • Patent number: 10348842
    Abstract: Methods and apparatus related to determining and/or utilizing one or more attributes for an Internet Protocol (IP) address. In some of those implementations, the attributes may include a physical address associated with the IP address. Some implementations are directed to determining physical addresses for inclusion in a postal campaign based on computing devices having IP addresses associated with those physical addresses having retrieved content of one or more electronic resources (e.g., webpages) assigned to the campaign.
    Type: Grant
    Filed: February 19, 2016
    Date of Patent: July 9, 2019
    Assignee: EL TORO.COM, LLC
    Inventors: Stacy B. Griggs, David T. Stadler, III, Richard M. Teachout, III, Benjamin Charles Woolley
  • Patent number: 10339538
    Abstract: A method and system for generating recommendations across multiple product or service domains are disclosed. The system includes a plurality of domain servers for handling user events and for interfacing with users via the Internet, a database for storing the user events, and a recommendation engine. The recommendation engine further includes one or more computer programs containing instructions for collecting the user events across a plurality of product or service domains in the database, receiving a triggering event for recommendations, analyzing the user events to formulate correlations between the user events in the database, and generating recommendations in response to the triggering event in accordance with the correlations between the user events in the database. The disclosure uses user input data from different domains for producing recommendations in any of those domains. The disclosure allows for access to a greater amount of user input data which in turn improves the quality of recommendations.
    Type: Grant
    Filed: February 26, 2004
    Date of Patent: July 2, 2019
    Assignee: OATH INC.
    Inventors: Steven K. Souders, Lars P. Nilsen, Scott A. Gatz, Ashvinkumar P. Patel
  • Patent number: 10325250
    Abstract: A system and method that links point-of-sale purchases to shopper membership accounts includes a database in which each of one or more electronic payment systems specified by a customer is associated with one of a plurality of enterprise membership service identification codes stored in the database that uniquely identifies the customer as one of a plurality of shopper members of an enterprise membership service program associated with a retail enterprise. In response to tender of an electronic payment system to the point-of-sale system as part of a transaction for the purchase of items, information about the items is stored in one of a plurality of purchase histories that is associated with the one of the plurality of enterprise membership service identification codes that is associated with one of at least two specified electronic payment systems that matches the tendered electronic payment system.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: June 18, 2019
    Assignee: Meijer, Inc.
    Inventors: Brian Pugh, Elmer L. Robinson, Jr., David Scott Pallas, K. Michael Ross
  • Patent number: 10304083
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: May 28, 2019
    Assignee: Capital One Services, LLC
    Inventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Patent number: 10304077
    Abstract: Methods, apparatus and computer program products are provided for providing real time incentives during browsing sessions on a promotional system. The real time incentives may convert browsing consumers to buyers by providing incentives (e.g., discounts) that may be redeemed during the browsing sessions. Qualification constraints may be evaluated using an event handler to determine whether an incentive should be offered. Participation constraints may define terms which should be met for a consumer to redeem the incentive.
    Type: Grant
    Filed: September 27, 2013
    Date of Patent: May 28, 2019
    Assignee: Groupon, Inc.
    Inventors: Michael Merz, Kevin Jungmeisteris, Brandon Arp, Selvam Velmurugan, Abhishek Prasad
  • Patent number: 10272339
    Abstract: An incentive granting device includes: a second game notifying unit which notifies an existing user of the existence of a second game during the execution by the existing user of a first game application; an introduction code issuing unit which issues an introduction code during the execution of the second game application by the existing user who has received the notification; and an incentive granting unit which grants a prescribed incentive for the existing user's first game, with respect to a new user receiving an introduction from the existing user and downloading the second game application. This allows an existing user to be aware of the existence of a second game during the execution of a first game, and to obtain an incentive for the first game by executing the second game.
    Type: Grant
    Filed: August 1, 2016
    Date of Patent: April 30, 2019
    Assignee: POKELABO, INC.
    Inventor: Yuta Maeda
  • Patent number: 10275785
    Abstract: Methods and systems for generating signals or indicators from distributed data sources controlled by a multiplicity of owners are also provided. Signals are indicators of data that are derived from data sources and abstracted to protect the underlying data. Each entity that sells data in the virtual marketplace first converts data into a “signal” or indicator that represents the data without disclosing it or providing it. The value of the signal cannot be determined separately from one or more buyers and their objectives. Sellers of signals determine if it wants to share information based upon buyer, price, and other rules.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: April 30, 2019
    Assignee: COMMERCE SIGNALS, INC.
    Inventor: Thomas Noyes
  • Patent number: 10275793
    Abstract: A system and method to identify targeting criteria for online advertising campaigns based on natural query event data are described. A request to determine targeting criteria is received from an advertiser entity. Natural or algorithmic query event data related to the advertiser entity is retrieved from a data storage module. Attribute data associated with targeted customers is extracted based on the retrieved natural query event data. Finally, the attribute data is further processed to determine a set of criteria to target advertisements to the customers.
    Type: Grant
    Filed: April 18, 2014
    Date of Patent: April 30, 2019
    Assignee: EXCALIBUR IP, LLC
    Inventor: Joshua M. Koran
  • Patent number: 10248851
    Abstract: Apparatus, methods, and articles of manufacture for implementing crowdsourcing pipelines that generate training examples for machine learning expression classifiers. Crowdsourcing providers actively generate images with expressions, according to cues or goals. The cues or goals may be to mimic an expression or appear in a certain way, or to “break” an existing expression recognizer. The images are collected and rated by same or different crowdsourcing providers, and the images that meet a first quality criterion are then vetted by expert(s). The vetted images are then used as positive or negative examples in training machine learning expression classifiers.
    Type: Grant
    Filed: September 25, 2017
    Date of Patent: April 2, 2019
    Assignee: Emotient, Inc.
    Inventors: Javier Movellan, Marian Stewart Bartlett, Ian Fasel, Gwen Ford Littlewort, Joshua Susskind, Jacob Whitehill
  • Patent number: 10223732
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for using location data to identify and provide services in association with items appearing in captured images. One of the methods includes receiving, from a device, an image and location data representing the device's physical location, determining, based on the location data, that a particular set of one or more locations are within a threshold distance of the device's physical location, accessing, for each of the one or more locations in the particular set, item information that indicates one or more items that are associated with the location, determining, based on the accessed item information, that the image likely shows a particular item that is associated with one or more locations in the particular set, and providing, to the device, instructions for presentation of information about (i) the particular item and (ii) one or more locations in the particular set that are associated with the particular item.
    Type: Grant
    Filed: September 2, 2016
    Date of Patent: March 5, 2019
    Assignee: Accenture Global Solutions Limited
    Inventors: Matthew Thomas Short, Mary Elizabeth Hamilton, Robert Dooley, David T. Nguyen, Leeann Chau Tuyet Dang
  • Patent number: 10223755
    Abstract: Methods, computer-readable media and apparatuses for providing additional information are disclosed. For example, a method receives from a device of a customer, an identification code identifying a product, obtains social media information regarding the customer from a social network, and provides the additional information to the device of the customer, wherein the additional information relates to the product, and wherein the additional information is based upon the social media information.
    Type: Grant
    Filed: April 12, 2013
    Date of Patent: March 5, 2019
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Venkata Satya Satish Alapati, Guy Bevente
  • Patent number: 10217130
    Abstract: Systems and methods are provided for determining the presence of a location-based event by receiving information from one or more sellers. The information may include seller location and/or types of items sold. The type of event may be determined. Optionally, a guide for the event can be generated based on the information received from the sellers. Information about the event and/or the guide may be accessed by a mobile device of a potential buyer or via a web directory.
    Type: Grant
    Filed: November 27, 2013
    Date of Patent: February 26, 2019
    Assignee: SQUARE, INC.
    Inventors: Ajit Varma, Jack Dorsey, Jesse Reiss
  • Patent number: 10204350
    Abstract: Computer systems for facilitating the sale and distribution of vouchers (e.g., restaurant vouchers) that may, for example, only be redeemable during a particular time window on a particular day. The system may display fixed prices for vouchers or allow consumers to bid on day and/or time-specific vouchers having a particular value. The system may sell the same day and/or time-specific voucher at different prices and set the price of the voucher based on, for example: (1) purchaser/bidder status; (2) the number of the vouchers that have already been sold; or (3) a substantially random methodology. The restaurant may set fixed criteria that must be satisfied before the system will award a bidding consumer a particular voucher. In other embodiments, in cases where a particular bid does not satisfy a pre-determined set of minimum bid criteria, the system may facilitate direct negotiations between the bidding consumer and the restaurant.
    Type: Grant
    Filed: July 1, 2011
    Date of Patent: February 12, 2019
    Assignee: CHARTER SOLUTIONS INTERNATIONAL
    Inventors: Vishrut Patel, Derek Beveridge, Thomas Pfeffer
  • Patent number: 10176484
    Abstract: A system for providing an online advertising platform includes a first non-transitory machine-readable medium storing instructions executable by one or more data processors to group impression inventory units based at least in part on performance characteristics of the impression inventory units.
    Type: Grant
    Filed: March 16, 2011
    Date of Patent: January 8, 2019
    Assignee: AppNexus Inc.
    Inventors: Andrew S. Dilling, David M. Himrod, Michiel C. Nolet
  • Patent number: 10173141
    Abstract: A system that may be utilized for sending and locking text messages is provided. The system may allow a user to send an electronic message that is encrypted, locked, hidden, or otherwise made unviewable by the system to form a locked message. The locked message may be formed by associating a game with the message and requiring that a recipient play the game and satisfy an objective of the game before the message is “unlocked” or made viewable and displayed for the recipient. The locked messages may be sent to multiple recipients or to groups and may provide opportunities for competitive or cooperative play between recipients. Promotions, coupons, incentives, coupons, and marketing materials may be sent as locked messages and require or incentivize engagement by recipients.
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: January 8, 2019
    Assignee: TEXTA, INC.
    Inventors: Oren Schindler, Kristen Nelson, Kris Fernando, Dana Deskiewicz
  • Patent number: 10176636
    Abstract: Various approaches discussed herein enable augmenting an image of a person wearing an article of clothing to provide an augmented reality (i.e., virtual) article of clothing to a viewer in order to overlay, replace, and/or augment an actual article of clothing being worn by the user. The augmented reality article of clothing is positioned on the user's real-world piece of clothing according to various markings and/or data that allow the augmented reality article of clothing to appear as if it were being worn by the user, even during movement of the user.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: January 8, 2019
    Assignee: A9.com, Inc.
    Inventors: Adam Moshe Neustein, William Brendel, Nityananda Jayadevaprakash, Zur Nehushtan, Mark Jay Nitzberg
  • Patent number: 10176640
    Abstract: Embodiments of the present disclosure relate generally to generating, conducting, and reporting digital surveys utilizing augmented reality devices and/or virtual reality devices. In particular, in one or more embodiments, the disclosed systems and methods assist administrators in generating digital surveys utilizing interactive virtual environments via a virtual reality device and/or augmented reality elements via an augmented reality device. Similarly, the disclosed systems and methods can provide digital surveys via augmented reality devices and/or virtual reality devices, for instance, by monitoring user interactions via the augmented reality and/or virtual reality devices and providing digital surveys based on the monitored user interactions. Furthermore, the disclosed systems and methods can present survey results and allow administrators to interact with survey results utilizing augmented reality devices and/or virtual reality devices.
    Type: Grant
    Filed: August 2, 2016
    Date of Patent: January 8, 2019
    Assignee: QUALTRICS, LLC
    Inventors: Blake Andrew Tierney, Milind Kopikare, Larry Dean Cheesman
  • Patent number: 10178291
    Abstract: A wearable apparatus and method are provided for executing actions based on triggers identified in an environment of a user. In one implementation, a wearable apparatus for storing information related to objects identified in an environment of a user is provided. The wearable apparatus includes a wearable image sensor configured to capture a plurality of images from the environment of the user and at least one processing device. The processing device may be programmed to process the plurality of images to detect an object entering a receptacle, process at least one of the plurality of images that includes the object to determine at least a type of the object, and based on the type of the object, generate information related to an action to be taken related to the object.
    Type: Grant
    Filed: July 23, 2015
    Date of Patent: January 8, 2019
    Assignee: OrCam Technologies Ltd.
    Inventors: Yonatan Wexler, Amnon Shashua
  • Patent number: 10169776
    Abstract: Methods described herein include prefetching information for a future visitor to a webpage or other resource. Prefetching the information can allow a provider to customize the webpage or resource with reduced latency. The methods can include notifying an experience provider associated with an advertisement prior to the user requesting the webpage or other resource. The notification can provide identification information corresponding to the client device or user. The notification also indicates that the client device or au user is about to be directed to the webpage or other resource. The notification can allow for retrieval of profile information associated with the identification information prior to the direction of the client device to the webpage or other resource.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: January 1, 2019
    Assignee: ADOBE SYSTEMS INCORPORATED
    Inventor: Reza Jalili
  • Patent number: 10165315
    Abstract: Described herein are apparatuses, systems and methods for predicting audience measurements of a television program. A method comprises inputting a target program for acquisition into a prediction model, wherein the prediction model is based on a plurality of television acquisition performance predictors, and generating a recommendation as to whether the target program should be acquired based on the prediction model and the plurality of television acquisition performance predictors.
    Type: Grant
    Filed: October 17, 2016
    Date of Patent: December 25, 2018
    Assignee: Viacom International Inc.
    Inventors: Caroline Epstein, Fabio Luzzi
  • Patent number: 10140634
    Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: November 27, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jonathan Turner, Arthur Koeppel
  • Patent number: 10127578
    Abstract: Embodiments are described for a system and method for providing a list of current offers from retailers to a user operating a mobile client device. Aspects of the method comprise analyzing a transaction history of the user to identify a vendor who has transacted with the user; determining a present geographic location of the user based on a location of the mobile client device; determining a location of the vendor proximate the user based on the transaction history and the present geographic location of the user; searching for a current promotion offered by the vendor; and facilitating the serving of the current promotion to the user through the mobile client device.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: November 13, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua M. Greenough, Cameron M. Geisser
  • Patent number: 10102537
    Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.
    Type: Grant
    Filed: August 25, 2014
    Date of Patent: October 16, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Cindi Pitz, Roopa A. Vaidya
  • Patent number: 10095387
    Abstract: The disclosure includes a system and method for processing a click at a user interface. A method includes partitioning, based on historical data, an offer component associated with additional online content to include a first region and a second region. A method further includes transmitting the offer component to the user interface for display. A method further includes receiving a first user interaction with the offer component. A method further includes determining the received user interaction is within the second region of the offer component. A method further includes presenting, responsive to receiving the second user interaction, a user prompt for a confirmation of the interaction. A method further includes receiving a second user interaction. A method further includes determining the second user interaction is indicative of confirmation of the interaction.
    Type: Grant
    Filed: March 17, 2016
    Date of Patent: October 9, 2018
    Assignee: Google LLC
    Inventors: Allen Huang, Akiva Bamberger, David Lewis
  • Patent number: 10083446
    Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
    Type: Grant
    Filed: November 1, 2017
    Date of Patent: September 25, 2018
    Assignee: PAYPAL, INC.
    Inventors: Sabastien Taveau, John Hastings Granbery
  • Patent number: 10083460
    Abstract: Systems and methods are disclosed for communicating product or service information to a potential purchaser. A product or item describing a service are scanned to obtain both a product or service code and an advertisement promotion code provided by a vendor/retailer or manufacturer of the product or service using a smartphone of a first user. A barcode is generated on the smartphone by combining the product or service code and the advertisement promotion code with information from the smartphone associated with the product or service and with an advertiser code that uniquely identifies the first user. The barcode is communicated to a communication device of a second user that is the potential purchaser of the product or service. When the communication device is presented to a point of sale (POS) terminal, the terminal scans the barcode, decodes the barcode, and compensates the first user according to the advertisement promotion code.
    Type: Grant
    Filed: October 16, 2017
    Date of Patent: September 25, 2018
    Assignee: MOTEDATA INC.
    Inventors: Peter Lupoli, Jay Kesan
  • Patent number: 10083573
    Abstract: One aspect of the disclosure relates to implementing a refund calculator in an online game. The refund calculator may provide the ability to prioritize what users may receive items, troops, and/or any other in-game parameters. The refund calculator may provide the ability to determine how many items and/or troops the user may be refunded, the time frame in which the user receives the items, troops and/or other aspects of a refund.
    Type: Grant
    Filed: June 11, 2013
    Date of Patent: September 25, 2018
    Assignee: Kabam, Inc.
    Inventors: Luc Pieron, Peter Im
  • Patent number: 10078863
    Abstract: Systems and methods are provided for augmented reality payments. An augmented reality display may include product information and/or payment information images displayed over an image of one or more real world background objects. The augmented reality display may be displayed on a display of a mobile user device such as a smartphone or tablet or on a structure of a vehicle such as a vehicle windshield. The real world background objects may include a merchant store. The product information and/or the payment information may be overlaid on the merchant store as viewed through a vehicle windshield or as viewed in an image of the merchant store captured by a camera of the user device. The user may be provided with the ability to select one or more items for purchase, make one or more payments, or execute other transactions by interacting with the augmented reality display.
    Type: Grant
    Filed: December 26, 2013
    Date of Patent: September 18, 2018
    Assignee: PAYPAL, INC.
    Inventor: Balu Epalapalli Loganathan
  • Patent number: 10077988
    Abstract: The present invention provides methods and systems for incorporating user information such as a user's errands, tasks, and/or online behavior in determining a preferred route between an origin and a destination using a web map planning service. Potential advertisers can use the user information to target particular users who are traveling near a particular route to give users various options to optimize their travel plans.
    Type: Grant
    Filed: January 8, 2013
    Date of Patent: September 18, 2018
    Assignee: Excalibur IP, LLC
    Inventor: Gaurav Kamdar
  • Patent number: 10043196
    Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.
    Type: Grant
    Filed: June 19, 2017
    Date of Patent: August 7, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sastry VSM Durvasula, Lucas Saunders Gebb, Rachna R. Govani, Priyadarshini Koul, Sarah Claire Peltier, Stephanie Schultz, Sripriya V. Tiku
  • Patent number: 10019757
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: November 20, 2013
    Date of Patent: July 10, 2018
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Patent number: 10007645
    Abstract: Methods, systems, and apparatus for modifying the presentation of content item are described. In one aspect, a method includes receiving a request for supplemental content to be presented with a publication requested by a user of a client system, wherein the supplemental content comprises a body of text having a plurality of terms; in response to receiving the request, identifying one or more terms of the plurality of terms that are likely to be of interest to the user of the client system; and modifying the supplemental content to cause the one or more identified terms to appear in a presentation style that differs in appearance from other terms of the plurality of terms in the supplemental content.
    Type: Grant
    Filed: July 25, 2012
    Date of Patent: June 26, 2018
    Assignee: Google LLC
    Inventor: Amit Mhatre
  • Patent number: 9998561
    Abstract: Systems and articles of manufacture for enabling access to user-specified and/or user-chosen content via remote third-party systems include communicating with a content provider via use of one or more user credentials, wherein the content provider maintains a list of user content choices and one or more preferences for content, wherein the content is generated by the user and/or by the content provider and/or by one or more other users, automatically downloading an amount of user-specified and/or user-chosen content from the list of user content choices and one or more preferences to a primary enterprise system and/or a secondary enterprise system in conjunction with an interaction between the user and the primary enterprise system, and providing access to the downloaded user-specified and/or user-chosen content to the user in conjunction with an interaction between the user and the secondary enterprise system, the content provider and/or the primary enterprise system.
    Type: Grant
    Filed: August 14, 2013
    Date of Patent: June 12, 2018
    Assignee: International Business Machines Corporation
    Inventors: Salman A. Baset, Sambit Sahu
  • Patent number: 9984451
    Abstract: A system and method that determines multiple linear groups of horizontally placed items in an image is disclosed. The method includes receiving an image including a portion of a shelving unit, identifying a plurality of items in the image, determining a plurality of facings, clustering the plurality of facings, merging a plurality of clusters and determining a list of linear groups in the image.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: May 29, 2018
    Inventors: Michael Gormish, Edward Schwartz
  • Patent number: 9972053
    Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for creating and administering virtual affinity groups are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes receiving, at an insurance processing platform, information identifying at least a first characteristic of a virtual affinity group, receiving, at the insurance processing platform, information identifying at least a first feature of the virtual affinity group and at least a first insurance related benefit to be offered to the virtual affinity group, automatically identifying at least a first individual matching the at least first characteristic, and communicating to the at least first individual information allowing the at least first individual to participate in the virtual affinity group.
    Type: Grant
    Filed: December 30, 2013
    Date of Patent: May 15, 2018
    Assignee: Hartford Fire Insurance Company
    Inventors: Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
  • Patent number: 9972052
    Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: May 15, 2018
    Assignee: JP Morgan Chase Bank, N.A.
    Inventors: Marcia Keld, Manning Field
  • Patent number: 9928514
    Abstract: The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.
    Type: Grant
    Filed: June 5, 2012
    Date of Patent: March 27, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Robert E. Morgan, Hitesh K. Seth
  • Patent number: 9922371
    Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.
    Type: Grant
    Filed: January 30, 2015
    Date of Patent: March 20, 2018
    Assignee: VANTIV, LLC
    Inventor: Bryan T. Bailey
  • Patent number: 9898772
    Abstract: Techniques for providing a recommendation for an item may be provided. In particular, a system can provide a recommendation for one or more items based at least in part on how easily a system can fulfill the recommended item. The ease of fulfillment may be affected by one or more items selected or selected by the user, so that when two potential items can be recommended for the user, the item that is easier to provide to the user with the selected item can receive a better recommendation by the system (e.g., through a ranked or scored recommendation list, by limiting the recommended items provided to a user).
    Type: Grant
    Filed: October 23, 2013
    Date of Patent: February 20, 2018
    Assignee: Amazon Technologies, Inc.
    Inventor: Jonathan Brian Word
  • Patent number: 9898752
    Abstract: A point storage unit stores points, which are imparted to the user in an electronic commerce, in association with user identification information. A link request receiving unit receives a link request for linking user identification information and membership card identification information for identifying a membership card for receiving points imparted at an actual shop. In a case where the link request is received, a link information storage unit stores link information indicating a link between the user identification information and the membership card identification information. In a case where a point use request with a designation of the membership card identification information is received, a use permission unit permits use of the points stored in association with the user identification information linked to the membership card identification information.
    Type: Grant
    Filed: April 12, 2013
    Date of Patent: February 20, 2018
    Assignee: RAKUTEN, INC.
    Inventors: Yasuharu Watanabe, Manabu Miyamoto
  • Patent number: 9881293
    Abstract: A method includes receiving, at a user identification module of an electronic receipt system in electronic communication with a point of sale terminal, a user identifier transmitted from a mobile communication device to a near-field communication enabled communication device associated with the point of sale terminal. The method also includes verifying, by a validation module of the electronic receipt system, an enrollment status of the user identifier; and based on results of the verifying, transmitting, by a transfer module of the electronic receipt system, the user identifier and data characterizing an electronic receipt to a receipt storage module of the electronic receipt system.
    Type: Grant
    Filed: August 11, 2016
    Date of Patent: January 30, 2018
    Assignee: FLEXRECEIPTS INC.
    Inventors: Jay Pravin Patel, Tomas E. Diaz, Sachin Chand Jaitly
  • Patent number: 9848239
    Abstract: The present disclosure describes techniques for projecting person-level viewership from household-level tuning events. One example method includes accessing tuning data representing television tuning events associated with particular households; accessing panelist viewing data representing television viewing events associated with panelists; and for at least one tuning event represented by the tuning data: accessing household member data associated with the tuning event; determining a member minutes value associated with each individual member of the particular household for the tuning event; and determining a fractional viewership value for each individual member of the particular household associated with the tuning event.
    Type: Grant
    Filed: February 20, 2015
    Date of Patent: December 19, 2017
    Assignee: comScore, Inc.
    Inventors: Frank Eugene Pecjak, Ramzi Joseph Nasr, Magid M. Abraham, Ying Li
  • Patent number: 9836756
    Abstract: Various systems and methods for tracking and analyzing emotional engagement of people while shopping are described herein. A system for tracking and analyzing emotional engagement of people while shopping includes an image processing module to: access image data from an electronic data storage, the image data including a person in a retail environment; and detect the person in the image data; an emotion detection module to determine an emotion expressed by the person; an object detection module to determine an object with which the person is interacting; and a marketing module to: select a sales action based on the emotion and the object; and execute the sales action.
    Type: Grant
    Filed: June 24, 2015
    Date of Patent: December 5, 2017
    Assignee: Intel Corporation
    Inventors: Tomer Rider, Hong Li, Rita H. Wouhaybi, Igor Tatourian, Igor Ljubuncic
  • Patent number: 9817885
    Abstract: A method for grouping network service users includes acquiring attribute and/or behavior data of multiple users within a current period, and converting the attribute and/or behavior data into standardized data; determining multiple group central points according to the standardized data, and placing the standardized data in a group where a group central point having a shortest distance is located; determining group features of groups according to standardized data in the groups; and separately pushing corresponding service push information to users in the groups according to the group features of the groups. In addition, an apparatus for grouping network service users is further described.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: November 14, 2017
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Xiangyong Yang, Zhibing Ai, Lichun Liu, Chuan Chen
  • Patent number: 9799079
    Abstract: Methods, systems, and articles of manufacture for generating a multi-dimensional social network identifier are provided herein. A method includes capturing one or more items of web information pertaining to past activity associated with a given individual; determining one or more user metrics associated with the given individual based on the one or more items of web information; quantifying a measure of similarity of the one or more user metrics associated with the given individual and the one or more user metrics associated with one or more additional individuals; and generating an identifier for the given individual based on the measure of similarity, and wherein said identifier differs from identification information attributable to the given individual on a social network.
    Type: Grant
    Filed: September 30, 2013
    Date of Patent: October 24, 2017
    Assignee: International Business Machines Corporation
    Inventors: Madhu Chetuparambil, Kalapriya Kannan, George T. Jacob
  • Patent number: 9799144
    Abstract: A head mounted display which allows a user to visually recognize a virtual image, includes an image display unit that enables the user to visually recognize the virtual image, a display processing unit that causes the image display unit to form the virtual image indicating a plurality of images used to operate the head mounted display and a background image, and a motion detection unit that detects a motion of the head of the user. The display processing unit changes the background image according to a motion of the head of the user.
    Type: Grant
    Filed: January 28, 2015
    Date of Patent: October 24, 2017
    Assignee: SEIKO EPSON CORPORATION
    Inventors: Fusashi Kimura, Keiichi Okano
  • Patent number: 9792624
    Abstract: Systems and methods are disclosed for communicating product or service information to a potential purchaser. A product or item describing a service are scanned to obtain both a product or service code and an advertisement promotion code provided by a vendor/retailer or manufacturer of the product or service using a smartphone of a first user. A barcode is generated on the smartphone by combining the product or service code and the advertisement promotion code with information from the smartphone associated with the product or service and with an advertiser code that uniquely identifies the first user. The barcode is communicated to a communication device of a second user that is the potential purchaser of the product or service. When the communication device is presented to a point of sale (POS) terminal, the terminal scans the barcode, decodes the barcode, and compensates the first user according to the advertisement promotion code.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: October 17, 2017
    Assignee: MOTEDATA INC.
    Inventors: Peter Lupoli, Jay Kesan
  • Patent number: 9767471
    Abstract: A service provider may receive transaction information from a plurality of merchant devices for a plurality of point of sale transactions conducted between buyers and merchants. The service provider can associate the transaction information with respective buyer profiles of a plurality of buyer profiles. In some examples, the service provider may determine a subset of the buyer profiles based on at least a portion of the buyer profiles in the subset including transaction information that is related to a particular one of the merchants. The service provider may further determine at least one characteristic associated with at least some of the buyer profiles in the subset, and may send a recommendation to the particular merchant related to the at least one characteristic. As an example, the recommendation may be for improving or optimizing the business of the particular merchant.
    Type: Grant
    Filed: May 22, 2014
    Date of Patent: September 19, 2017
    Assignee: Square, Inc.
    Inventors: Gian Perrone, Mai Leduc, John Coughlin, Abhay Kumar
  • Patent number: 9760621
    Abstract: A method for establishing a group of individuals as a single contact entity eligible for contact services within a contact center includes the steps (a) identifying a group and each group member according to existing group rules and member profiles; (b) identifying and quantifying the unifying aspects of the members in the group; (c) aggregating the contact information for each group member relative to communications channels common to the group members and to the contact center; and (d) establishing one or more temporary and or permanent group channels between the contact center and the group members.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: September 12, 2017
    Assignee: GENESYS TELECOMMUNICATIONS LABORATORIES, INC.
    Inventors: Herbert Willi Artur Ristock, Vladimir Mezhibovsky
  • Patent number: 9753675
    Abstract: A method is disclosed for providing promotional content to be printed on a media. The method is performed by a server in a network. A printer is registered and one or more promotional settings are configured for the registered printer. A print request is received from a client device. In response to the receiving the print request, one or more promotional content items are retrieved based on the print request and the one or more promotional settings for the registered printer.
    Type: Grant
    Filed: June 12, 2012
    Date of Patent: September 5, 2017
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventor: Anshuman Parida