Abstract: Aspects described herein may provide determination of a pedestrian route for a user to reach a seating area inside of a venue. Financial transaction data of the user may be reviewed to determine the user purchased one or more tickets to an event at the venue. Information regarding the event or the venue may be determined including seating charts for the venue and whether the tickets are for assigned or unassigned seats. Crowd densities inside and outside of the venue may be determined. The pedestrian route may be determined based on the crowd densities, number of tickets, and type of seating. The route may be updated as conditions change including any change to the crowd densities or change to seating availability. The route may increase a likelihood that the user reaches the seating area prior to a start of the event, and in a less stressful manner.

Abstract: A method for purchasing an item using a mobile device is provided. The method includes but is not limited to inputting identification information into the mobile device which identifies the item for purchase and generating an order for the item identified by the identification information. The method also includes but is not limited to displaying on a display of the mobile device an optical machine-readable representation of the order.

Abstract: Systems, methods, and/or articles of manufacture that utilize omnichannel Artificial Intelligence (AI) restaurant management modeling to accurately compute and update order fulfillment times in an omnichannel ordering environment.

Abstract: A legal event booking interface that provides for selection of a legal service provider including between a court reporter digital reporter, stenographer, videographer, interpreter (not shown), or a combination thereof, and selection means for selecting and reserving a job location.

Abstract: The disclosure relates to a method and system of selectively deploying an application for facilitating quality-of-experience (QoE) in terms of streaming multimedia content in a networking environment comprising a user-equipment (UE) and a networking node provided with a predictive analysis module. The method comprises: capturing parameters pertaining to UE from at least one of a version of the predictive analysis module with respect to the UE, a current processor occupancy within the UE, a power-level within the UE, network conditions pertaining to the access network etc. One or more of the captured parameters and the observed network conditions is analyzed. Based on analysis, inference is drawn for selecting between the predictive analysis model of the UE and of the networking node for thereby enabling a customized streaming of multimedia content at the UE.

Abstract: The present disclosure is directed to systems and methods that enable scanning of any type of card regardless of the shape and design of a given card and/or a font, a shape and a format with which characters such as numbers, letters and symbols are printed on the cards including cards with non-embossed characters printed thereon. In one example, a method includes scanning a card, the card including at least an account number associated with a user of the card and an identifier of the user; detecting, by applying a machine learning model to the card after scanning the card, at least the account number printed on the card; and completing a task using the account number.

Abstract: Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data.

Abstract: In some embodiments, a multi-tenant loyalty program configuration platform is provided for selective configuration of loyalty programs in a multi-tenant environment.

Abstract: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

Abstract: A cash management system comprises a management terminal, a plurality of Electronic Point of Sale (EPOS) terminals and one or more intelligent cash holding unit. There are a greater number of EPOS terminals than intelligent cash holding units, whereby one or more intelligent cash holding unit acts as a virtual cash holding unit for more than one EPOS terminal. The or each intelligent cash holding unit comprises a receiver operable to receive a signal comprising an identifier associated with a user, an access module operable, in response to the received signal, to allow access to the intelligent cash holding unit, and a reporting module operable to send a report comprising an identifier relating to the user and data relating to the contents of the cash holding unit to the management terminal. The intelligent cash holding unit can be an intelligent cash drawer unit, optionally connected to an intelligent point of sale safe.

Abstract: Provided are methods and systems for variable speed playback. In one aspect the disclosure provides for receiving content having a first playback speed, determining a second playback speed for at least a portion of the content based on a playback factor, associating the second playback speed with the portion of the content, and providing at least the portion of the content at the second playback speed to a display device.

Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.

Abstract: Embodiments provide methods, and systems for facilitating a payment transaction utilizing a pre-defined radio frequency allocated by an agency to a merchant. A user may open an application provided and maintained by a payment network on a user device and input the pre-defined radio frequency associated with the merchant. The payment network server is configured to establish a secure radio frequency connection between the user device and a merchant server of the merchant. Post establishment, the user may proceed to make a payment transaction to the merchant by choosing a payment method and authenticating his/her identity. The payment transaction is authorized by an issuer of the payment account and is forwarded to the payment network server. The payment network server is configured to fetch acquirer information of the merchant account and process the payment. Post completion, a confirmation message is sent to the user device over the secure RF connection.

Abstract: A handle for a product vending system includes a housing configured to be secured to a door of a product storage cabinet having a lock. The handle includes a display arranged on the housing, that is configured to show product information. A payment processing unit is arranged on the housing and is configured to detect or receive a payment. A control unit is configured to communicate with the lock of the product storage cabinet, such that when the payment is detected by the payment processing unit, the control unit is configured to unlock the lock of the product storage cabinet so as to provide access to a product stored in the product storage cabinet.

Abstract: Customer-device application sites (e.g., content presented via a progressive web applications) that are accessible via merchant-managed identifiers (e.g., identification codes) are described. An identification of a physical location associated with a merchant can be associated with an identification code. The identification code can be received from a computing device of a customer and, based at least in part on receiving the identification code, merchant data associated with the merchant can be caused to be presented via a web browser of the computing device of the customer. In an example, the merchant data can be presented via the web browser by a progressive web application downloaded onto the computing device of the customer via the web browser. An indication of an input received via the progressive web application can be received by the computing device of the customer and an operation based at least in part on the input can be performed.

Abstract: Described are a system and method for dynamic promotional offers during user interaction at an automated teller machine (ATM). The method includes receiving, at the ATM, a transaction request based on an account identifier associated with an account of a user. The method also includes determining, based on the account identifier, that the account of the user was issued by an issuer that is different than an acquirer associated with the ATM. The method further includes, in response to determining that the account was issued by the issuer, generating, with at least one processor, an authorization request message based on the transaction request and the account identifier. The method further includes receiving an authorization response message comprising embedded user profile data and generating, on a display of the ATM, at least one offer based on the embedded user profile data.

Abstract: A system including one or more processors, a merchant account database including a plurality of merchant identifiers being associated with a plurality of merchants, a transaction database, and one or more non-transitory computer-readable media storing computing instructions that, when executed by the one or more processors, cause the one or more processors to perform certain acts.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.

Abstract: A television service provider system includes interactive elements embedded within advertisements or other content related to a particular product or service that a user may select to receive an initially non-redeemable coupon for the product. The system then electronically communicates to the seller or advertiser system the indications of such electronic interactivity between the viewers of content and content related to the product being sold or advertised. The advertiser or seller may then electronically activate and thus convert the non-redeemable coupon into a redeemable coupon. A system for processing retail transactions redeems the coupons for the product for a particular user using an identifier of the user associated with the account of the user with the television service provider.

Abstract: A system for generating and applying a secure token in a resource distribution network is provided. For example, a headend system generates a time-based token based on a time duration specified for a meter. The time-based token indicates the time duration for the meter. The time-based token is further generated based on an identifier of the meter. The headend system transmits the time-based token to the meter via at least a mesh network. After receiving the time-based token, the meter validates the time-based token to determine that the time-based token is generated for the meter based on information related to the identifier of the meter. If the meter determines that the time-based token is valid, the meter connects premises associated with the meter to a resource distribution network for at least the time duration specified in the time-based token.

Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.

Abstract: A processor-implemented method is disclosed.

Abstract: A method of facilitating the dispensing of foreign currency from a foreign ATM to a user traveling in a foreign country wherein a system provider establishes a system home account and system foreign accounts each funded by deposit of the corresponding local currencies by users of the system.

Abstract: A computing system including a processor configured to receive, from a device, ride information associated with scheduling a ride to pick up a rideshare rider at a scheduled time; with or without user intervention, start to look, at a predetermined time prior to the scheduled time, for a candidate ride to pick up the rideshare rider at the scheduled time; without user intervention, book the candidate ride to pick up the rideshare rider upon determining that the candidate ride can pick up the rideshare rider at the scheduled time; determine occurrence of a potential failure associated with the candidate ride picking up the rideshare rider at the scheduled time; and without user intervention, book a replacement ride to pick up the rideshare rider upon determining that the replacement ride can pick up the rideshare rider at the scheduled time is disclosed. Various other aspects are contemplated.

Abstract: A vending apparatus includes an interface configured to allow a user to select a consumable for use in an aerosol generating device. A first compartment stores the selected consumable. A dispenser apparatus is configured to dispense the selected consumable from the first compartment to the user. A controller is operably coupled to the user interface and the dispenser apparatus and is configured to cause the dispenser to retrieve the selected consumable from the first compartment and to dispense the selected consumable to the user. A communication apparatus is operably coupled to the controller and is configured to receive data regarding the aerosol generating device.

Abstract: An online recommendation system can choose recipes to recommend to a customer based on a set of ingredients the customer is inferred to have on hand (a customer pantry model). For example, the recommendation system can look at recent or historical purchases made by the customer and determine what items the customer still has available based on an assumed shelf life for the purchased items. Using the customer pantry model, the recommendation system selects recipes based on overlapping ingredients between recipe's ingredient lists and ingredients available to the customer (including the customer pantry model and their current shopping cart). In some implementations, the recommendation system first selects a set of candidate recipes based on the overlap, then selects the final set of recipes to recommend based on a score optimization (for example, performed using a machine learning model).

Abstract: A method is provided that includes receiving, in a server, a request from a service provider, the request including a consumer identification code associated with a consumer, and obtaining a personalized list of universal product codes based on the consumer identification code and a purchase history log in a database. The method also includes providing the personalized list of universal product codes to the service provider, and receiving a tracking pixel indicative that the consumer has interacted with a consumer payload, wherein the consumer payload is associated with at least one product from the personalized list of universal product codes. A system and a non-transitory, computer-readable medium storing instructions which cause the system to perform the above method are also disclosed.

Abstract: Methods and systems disclosed herein relate generally to temporally prioritizing queries of queue-task partitions based on distributions of flags assigned to bits corresponding to access rights.

Abstract: A product substitution system may include a shopper device associated with a given shopper, and a product substitution server. The server may obtain descriptive purchased product data for purchased products from a retailer, and iteratively operate a natural language processing (NLP) algorithm to accept, as input thereto, the descriptive purchased product data, and generate, as output therefrom, a multi-dimensional representation of a relationship among the purchased products. The server may also, for each iteration, determine a product-to-product affinity based upon the multi-dimensional representation of the relationship, and determine a recommended substitute product for one of the products based upon the determined product-to-product affinity, and communicate the recommended substitute product to the shopper device. The server may also, for each iteration, obtain updated descriptive purchased product data for an updated plurality of purchased products from the retailer.

Abstract: A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files. An alternative computer-implemented includes connecting to a POI through a computer network, receiving a transaction request from a TMC through the computer network, confirming access to the POI, transmitting a request for consumer information to the POI, receiving requested consumer information from the POI, transmitting the requested consumer information to the TMC, receiving a transaction approval message or a transaction decline message from the TMC, and transmitting the transaction approval message or the transaction decline message to the POI.

Abstract: This disclosure is directed to item-identifying carts that may be utilized by users to automatically identify items that the users place in their carts. In addition, these carts may automatically determine the outcome of respective events that occur with respect to these identified items. For example, the carts may be configured to identify one or more items that are placed into or removed from the cart, and thereafter determine one or more actions taken with respect to the identified items and a quantity of the items involved. For example, after identifying a first item and a second item either placed into or removed from the cart, the cart may determine that the user added two instances of the first item and removed one instance of the second item. In response to making this determination, the cart may update a virtual cart of a user operating the physical cart.

Abstract: Methods and systems are provided for extending ranges of a plurality of voice assistant systems and interacting with the plurality of voice assistant systems using a common beacon network system. In one example, the beacon network system includes at least one primary beacon device communicatively coupled to and/or within corresponding listening ranges of one or more voice assistant systems, and a plurality of secondary beacon devices communicatively coupled to the primary beacon device and distributed within an operating environment. The beacon network system enables multi-user interaction with the plurality of voice assistant systems. Further, the beacon network system is scalable and may be deployed in a wide range of operating environments (e.g., operating environments of various sizes).

Abstract: Provided is a money handling apparatus that can be easily introduced in a store. The money handling system includes: a money handling apparatus installed in a store and capable of executing basic functions including a checkout function; and a operation terminal connected to the money handling apparatus. When executing the checkout function, the money handling apparatus receives, through the operation terminal, an input of prices and quantities of items a customer purchases in the store, to calculate a transaction amount. The apparatus recognizes and counts money, which is deposited through an inlet for paying the transaction amount, to calculate a deposit amount of deposited money, and stores the deposited money inside the money handling apparatus. When the deposit amount exceeds the transaction amount, the money handling apparatus feeds out money corresponding to a difference therebetween, and dispenses the fed out money as change to an outlet.

Abstract: An example operation may include one or more of detecting, by a promotion processor node, a delivery of a trade promotion token by a retailer node on a blockchain, and executing, by the promotion processor node, a smart contract to: apply the trade promotion token to a purchase item and transfer incentive assets based on the trade promotion token to the retailer node and to a corresponding manufacturer node.

Abstract: One embodiment provides a method, including: receiving, at an information handling device, a command from a user to load an application; determining, using a processor, whether a forecasted loading time for the application exceeds a loading tolerance threshold associated with the user; and providing, responsive to determining that the forecasted loading time exceeds the loading tolerance threshold, a reduced view of the application during a time period that the application is loading. Other aspects are described and claimed.

Abstract: Techniques and arrangements of a point-of-sale (POS) system including a transaction interface control mechanism configured to prevent simultaneous input by a merchant and a customer during a transaction. The POS system can include a merchant user interface (UI) presented on a merchant-facing display and a customer UI presented on a customer-facing display. In some instances, the merchant UI can be on a display of a merchant device, while the customer UI can be on a display of a customer device. In such instances, the merchant device and the customer device can be operably connected via a wired or wireless connection.

Abstract: A recall and promotion processing system may include shopper devices, each associated with a corresponding shopper, and a recall-promotion processing server. The server may obtain historical purchase data associated with the shoppers, and determine whether a given recalled product was purchased by a given shopper based upon the historical purchase data. The server may, when the given recalled product was purchased by the given shopper, generate and communicate a recall notification and a digital promotion to the corresponding shopper device. The digital promotion may be redeemable toward a product for purchase based upon the given recalled product and may have a redeemable value associated therewith. The server may, when the given recalled product was purchased by the given shopper, obtain redemption data associated with the digital promotion for the shoppers, and adjust a subsequent redeemable value for a subsequent digital promotion based upon the redemption data.

Abstract: A processor-implemented method is disclosed.

Abstract: A system, a method, and a program for providing a financial transaction by a virtual card number, a virtual card number generating device, and a virtual card number verifying device are provided. The method includes receiving, by a virtual card number verifying means, a virtual card number provided from a virtual card number generating means, extracting, by the virtual card number verifying means, a plurality of detailed codes included in the virtual card number, searching, by the virtual card number verifying means, for a storage location of a real card number based on the plurality of detailed codes, and proceeding, by the virtual card number verifying means, with the financial transaction or requesting, by the virtual card number verifying means, to proceed with the financial transaction using the real card number extracted from the storage location.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide a store credit issued electronically to a mobile wallet application from a merchant. This credit may be issued to a mobile wallet in the form of an enhanced wallet payment element. This enhanced wallet payment element may include the terms and conditions (e.g., repayment terms) of the credit (e.g., a digital/smart contract). The customer may accept or reject these terms. For example, when the customer accepts the terms, the enhanced wallet payment element digitally signs the agreement and indicates acceptance to the merchant mobile wallet system (e.g., sends the digital signature to the merchant). Once accepted, the enhanced wallet payment element may be utilized to pay for goods or services subject to the terms and conditions.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: The technology disclosed herein enhances security for visually impaired users by presenting haptic notifications to indicate certain input notifications are false. In a particular embodiment, a method includes presenting, from a user system, graphical input elements and presenting a haptic notification. The haptic notification indicates that the next input received after presenting the haptic notification will not be entered by the user system. In response to receiving input of a first input element of the graphical input elements immediately following the haptic notification, the method includes presenting a non-haptic notification. The non-haptic notification falsely indicates the input has been entered.

Abstract: Systems and methods which provide tokenization of various shipping data for which shielding is desired are described. Embodiments may facilitate controlled and/or protected usage of shielded shipping data, such as may include personally identifiable information, with tokenization. Shielded shipping data tokens of embodiments are matched with an entity, party, system, permitted usage of corresponding shielded shipping data. A data shielding service system may shield usage of shielded shipping data in accordance with applicable regulations according to applicable rules, and/or the like. Permitted accessors may be relieved of demands of maintaining compliance with the regulations and rules with respect to shielded shipping data in light of their enforcement and compliance being imposed through tokenization of the shielded shipping data.

Abstract: Systems and methods for processing encoded symbols to facilitate secured communication between a mobile device and one or more database systems is provided. Communication between the mobile device and the database systems is performed to update database tuples in the database systems based on processing of the encoded symbols. The encoded symbols may correspond to QR codes and updating database systems may include administering quick response (QR) code-enabled payment transactions.

Abstract: A system for automatically determining the location of a user-specified item within a plurality of possible independent inventory systems is described where each inventory system is located in a different unique geographic location. The system comprises a user profile database comprising a plurality of user records associated with a plurality of different users; at least one of the user records comprising a list of items that are required by a corresponding user; an availability database for providing information relating to the availability of specific items at each of the plurality of inventory systems, a central server for interacting with a mobile telecommunications device.

Abstract: A method for purchasing an item using a mobile device is provided. The method includes but is not limited to inputting identification information into the mobile device which identifies the item for purchase and generating an order for the item identified by the identification information. The method also includes but is not limited to displaying on a display of the mobile device an optical machine-readable representation of the order.

Abstract: An example operation may include one or more of receiving, by a first node, a freshness of goods data from a second node over a blockchain, and executing, by the first node, a smart contract to: calculate an initial order quantity based on a pre-set critical order number and a non-expiring goods order quantity and alter a final order quantity based on the initial order quantity and the freshness of the goods data.

Abstract: A support assembly for a data display monitor. The support assembly utilizes a base frame that can be placed on a flat working surface. A hub is connected to the base frame and is free to rotate about a vertical axis. At least one support arm is provided. Each support arm is connected to the hub with a first hinge connection. Each support arm also connects to a mounting plate with a second hinge connection. The second hinge connection enables the mounting plate to rotate at least ninety degrees through a range of motion. The mounting plate is attached to the data display monitor. As the mounting plate moves through its range of motion, the data display monitor moves with the mounting plate. The data display monitor can therefore be moved through the range of motion between a vertical orientation and a horizontal orientation.

Abstract: Disclosed are various embodiments for resilient workflows dependent on external computing systems. In one embodiment, one or more steps in a workflow are determined to invoke a request to an external computing system. Availability information for the external computing system is determined. The external computing system is detected to be potentially unavailable before a request within a workflow is submitted via an application programming interface (API) for processing by the external computing system. An indication is provided that an integration with the external computing system is unavailable in response to detecting that the external computing system is potentially unavailable.

Abstract: A method for identifying a wallet address associated with a virtual asset service provider is provided. The method comprises receiving a target wallet address, obtaining a transaction of a virtual asset associated with the target wallet address, obtaining a list of a plurality of known wallet addresses of virtual asset service providers (VASPs) and identifying a type of the target wallet address, by performing at least one of a cold wallet determination routine and a hot wallet determination routine for the target wallet address, based on the transaction and the list of known wallet addresses of the VASPs.