Abstract: In an example involving a transaction conducted between a first party using a user mobile-identification-credential device (UMD) and a second party using a relying party system (RPS), RPS receives a request from UMD for transfer of an item, requests identification information of the first party from UMD, receives, based on consent of the first party, some or all user ID information associated with a mobile identification credential (MIC) which UMD received from an authorizing party system (APS), receives verification of the received user ID information, uses the verified user ID information to verify or not verify an identity of the first party, grants the request to transfer the item in exchange for payment or another item to be transferred from the first party to the second party when the identity of the first party is verified, and denies the request when the identity of the first party is not verified.

Abstract: Apparatus and methods for call management is provided. The apparatus may include system architecture comprising a first I/O platform, a processing engine and a second I/O platform. The first I/O platform may receive a call from a calling source and augment the call by pulling data from a calling sources database. The call may then be routed to the processing engine for a determination of whether cached data can satisfy a data request stored in the call. If the cached data cannot respond to the data request in the call, the processing engine may transmit the call to the second I/O platform. The second I/O platform may leverage a vendor data intelligence engine for selecting an appropriate data source to receive the call. The second I/O platform may subsequently format the call for transmission to the appropriate data source and, after the formatting, route the call.

Abstract: A method, computer program product, and computer system for receiving a first scan of an identifier from a first computing device is disclosed. The identifier is associated with a financial transaction. A second scan of the identifier is received from a second computing device. The financial transaction is processed based upon, at least in part, receiving the second scan of the identifier from the second computing device.

Abstract: An exemplary system includes a blockchain system that includes a blockchain, a smart contract template, and a smart contract generated based on the smart contract template, the smart contract executable to facilitate, by way of the blockchain, exchanges between parties to the smart contract. The system further includes an interface system communicatively coupled to the blockchain system and configured to perform a set of operations to provide an interface to the blockchain system, the set of operations including receiving a user input from an application executed on a user computing device, translating the user input to a call to the blockchain system, and issuing the call to the blockchain system. The blockchain system is configured to perform, based on the call and the smart contract, an action on the blockchain that represents an exchange between the parties to the smart contract.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: Embodiments of the present disclosure provide a method and apparatus for document recommendation by obtaining a plurality of first data for a source recommendation task from activities related to a source user using a plurality of first documents; obtaining a plurality of second data for a target recommendation task from activities related to a target user using a plurality of second documents; performing the target recommendation task based on the plurality of first data, the plurality of second data, and knowledge transferred from the source recommendation task to obtain a target recommendation model; and conducting document recommendation to the target user using the target recommendation model.

Abstract: A policy-based printing system is implemented to allow access to a private domain to print using a public domain. The private domain includes private servers that store documents. The public domain includes servers and a printing device. A public policy server uses a domain list and a protocol connection with a private authentication server to validate a user and identify which private domain to access. The public policy server receives requests from the printing device to process a print job of a document in the private domain. A mobile device is used to coordinate the retrieval and printing of the document using an application. A kiosk may be used to send the document to the printing device from the mobile device.

Abstract: In certain embodiments, a system includes a processing system and tangible computer-readable media accessible by the processing system. The tangible computer-readable media may store software and purchase order identifications. Each purchase order identification indicates a respective one of a plurality of purchase orders, and each purchase order identification is globally unique with respect to each other. The software when executed by the processing system is configured to access a request comprising a first purchase order identification. The request had been generated at a client device that had decoded the one of the plurality of purchase order identifications from an optical scan of a code provided with packaging of one or more products of the respective purchase order indicated by the first purchase order identification. The software further generates data comprising information that facilitates returning at least one of the one or more products for receipt by the client device.

Abstract: Systems and methods include a computer-implemented method for autonomous procurement. User inputs defining a procurement request are received through a user interface. A pro forma contract is created, including performing a syntax analysis, a semantics analysis, and a pragmatic analysis on the user inputs to create a variables matrix of variables defining the pro forma contract. Bidders for the pro forma contract are selected, including creating a bidder list identifying suppliers who are to be invited to participate in bidding or submitting a quotation. A statement of work (SOW) is created based on the variables defining the pro forma contract. Solicitations of interest including the SOW are issued by the autonomous procurement system to bidders identified in the bidder list. Bidding parties are evaluated to identify qualified bidders. A winning bidder is selected from the bidding parties, and a final contract for the winning bidder is created.

Abstract: Systems and methods for providing a transportation marketplace are provided. A transportation server receives, from a client device of a user, a request for a transportation service. The transportation server determines a set of drivers in response to the request, the set of drivers further being available to provide the transportation service when the request is received. The transportation server provides the set of drivers to the client device, wherein each driver within the set of drivers is selectable by the user of the client device.

Abstract: The present invention is directed towards systems and methods for matching buyers to dealers of the same type of vehicle. Buyer bids are ranked based on receipt time. Buyers specify a search radius corresponding to dealers. Dealer offers correspond to an acceptable amount for the vehicle. A high price is computed for each vehicle from dealers relative to buyers based on dealer offers and MSRP. A final price is computed for each vehicle based on dealer offers, the search radius, and the high price. Final prices are ranked based on the distance from buyer to dealer and the buyer bid dealer offer difference. The match is based on the highest rank final price for the corresponding dealer to an earliest received buyer bid that has not been matched if the vehicle offered by the corresponding dealer is available.

Abstract: At least one next-action relevant to a publisher application and at least one service provider application associated with the at least one next-action is received at the publisher application and from a backend service. The at least one next-action is rendered, where a user's interaction with the rendered at least one next-action enables the user to preview inventory information from the at least one service provider application and to place an order. Payment information of the user is received at the publisher application and from a payment provider. The order and the payment information is sent to the service provider application though the backend service, and a status of the order is presented to the user.

Abstract: A system receives information for a plurality of invoices having invoice amounts owed by a debtor-buyer to a plurality of creditor-suppliers, a cash pool amount for a cash pool available by the debtor-buyer for early payment of at least some of the invoice amounts, and a desired return rate, receives a plurality of offers, each offer from a corresponding creditor-supplier and comprising an offer return rate, determines whether each of the plurality of offers is eligible for acceptance based on each offer return rate from each offer and the desired return rate for the buyer and selects one or more invoices each having an invoice amount, and transmits award information to the debtor-buyer.

Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.

Abstract: A computer system processes a message from a user mobile device by receiving the message from the user mobile device, wherein the message comprises a purchase request, and then determining a matching purchase offer in a database containing a plurality of purchase offers, wherein the matching purchase offer corresponds to an offer identified in the purchase request. The system then transmits a purchase request to a purchase agent at a third party provider that is associated with the matching purchase offer, and processing a purchase transaction received from the purchase agent at the third party provider.

Abstract: A system and a method for determining whether a refund has been issued by at least one of multiple parties having potential responsibility for issuing a refund. Issuance of multiple refunds to a claimant or claimants, or chargebacks to acquirers when a refund has been issued is prevented. The system includes an electronic storage device that has a database of data concerning transactions, including data as to whether a refund has been issued, an access path that allows access to and supplementing of data concerning a transaction, and a processor for assembling the data concerning the transaction so that access is provided to the multiple parties granted selected access to the data.

Abstract: A computer-based method for obtaining repair estimates for a vehicle, and a related network server, are provided. The method comprises receiving a vehicle identification number (VIN) over a network from a customer computer, retrieving vehicle information, associated with the VIN, from a database, sending the vehicle information and a graphical representation of the vehicle, including a plurality of selectable vehicle damage locations, over the network to the customer computer, receiving a selection of at least one vehicle damage location over the network from the customer computer, receiving at least one image of the vehicle over the network from the customer computer, storing the vehicle information, the selected damage location and the vehicle image as a repair job in a non-volatile memory or the database, and sending a notification, indicating that the new repair job is available for review, over the network to at least one repair provider computer.

Abstract: A system and method for automatically changing the operation of a mobile device in response to a presence of information is described. In some examples, the system determines an information capture device is proximate to text, automatically changes operation of the capture device to a certain mode, captures the text, and performs an action associated with the captured text.

Abstract: Disclosed herein are system, method, and computer program product for a transporting of a good. An embodiment operates by receiving a user request for the transporting of the good from a pickup location to a destination location. Thereafter, a corresponding pickup, first intermediate, a second intermediate, and destination node are identified on a pre-generated graph, and transportation edges each relating to a transit cost associated with one of the pickup, first intermediate, second intermediate, and destination locations. Subsequently, a subgraph of of the pre-generated graph comprising the pickup, first intermediate, second intermediate, and destination node, as well as the transportation edges, are generated. Based on the subgraph, Based on subgraph, a preferred route from the pickup location to the destination location having a lowest transit cost for transporting the good is generated.

Abstract: Methods and systems for facilitating group payment are disclosed. In one embodiment, a group payment system is configured to execute instructions to perform operations that include receiving, from a first computing device, a request to create a group payment event and, in response, providing to the first computing device a first interface associated with the group payment event. The operations further include receiving, from a second computing device, a request to join the group payment event and, in response, providing a second interface to the second computing device. The operations further include receiving, from the first and/or second computing devices, messages associated with the group payment event and modifying the first and second interfaces to display the messages. The operations further include receiving, from the first and/or second computing devices, financial contributions for the group payment event and modifying the first and second interfaces to display the financial contributions.

Abstract: A system for monitoring planogram compliance on a store shelf is disclosed. The system may include a plurality of detection sensors and a processor. The processor may be configured to receive first signals from a first subset of detection sensors after a plurality of products are placed on the store shelf, and use the first signals to identify at least one pattern associated with a product type of the products. The processor may further be configured to receive from a second subset of detection sensors second signals indicative of no products being placed on at least one area of the store shelf, and use the second signals to determine at least one empty space on the store shelf. The processor may also be configured to determine, based on the at least one pattern and the at least one empty space, at least one aspect of planogram compliance.

Abstract: Methods, processes, and devices for dynamic service matching include collecting provider data from a plurality of providers, receiving a service request by a user, processing the service request based on the collected provider data, sending, via a network, the processed service request to at least one of the plurality of providers, receiving at least one service bid from the at least one of the plurality of providers wherein the at the least one service bid includes service data, filtering the at least one service bid based on the service data, sending, via a network, the at least one filtered service bid to the user, receiving a selection input from the user, and establishing a direct communication channel between the user and the provider based on the received selection input.

Abstract: System and methods for aggregating key metrics across an account hierarchy are disclosed. The server system accesses a first transaction record, wherein the first transaction is categorized into a first category. The server system analyzes an account record associated with the first account to determine a parent account of the first account. The server system identifies a second transaction record associated with a second account. The server system compares a first address of record for the first account to a second address of record for the second account. In accordance with a determination that the first address of record matches the second address of record, the server system aggregate the first transaction and a second transaction listed in the second transaction record into a combined transaction. The server system categorizes the combined transaction into a second category, wherein the second category is different from the first category.

Abstract: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.

Abstract: A computer-implemented method of enabling distributed computers to communicate more effectively in an enterprise that provides flexible approval notifications in an organization, wherein at least one of the distributed computers stores a graph database in which attributes regarding individuals of the organization are stored. The computer-implemented method includes receiving, at a server computer in the distributed computers, a request for a task to be performed, wherein the task requires approval by at least a first person in the organization who has authority to approve the request. The computer-implemented method also includes traversing, by the server computer, the graph database, to determine an identity of the first person, wherein traversing is performed based on criteria determined at least partially by information automatically extracted from the request.

Abstract: A method includes: deploying a frontend system (FIES); registering a current deployment location of the FIES; detecting a close-proximity interaction between a user and the FIES that specifies a first category; generating a product recommendation that includes a first product of the first category; detecting a respective prior purchase record of the user for a second product in a second category associated with the first category; if the prior purchase record indicates a purchase or delivery location outside of a geographic region of the registered current deployment location, automatically augmenting the product recommendation to include a third product from the second category selected based on characteristics of the second product; and otherwise, automatically refining the first product recommendation to further define characteristics of the first product based on the characteristics of the second product; and providing the product recommendation to the first user after the automatic augmenting or refining

Abstract: A mobile terminal inputs a sound effect output from a communication device through a microphone in response to completion of access to an IC module, and determines whether a sound pattern of the input sound effect indicates a preset sound pattern. When it is determined that the sound pattern of the input sound effect indicates the preset sound pattern, the mobile terminal displays provision information on a location where the communication device exists, on the display device that is display-controlled by the mobile terminal.

Abstract: One embodiment is a method that receives a description of services desired by a service requestor and then crawls web sites to extract information on services offered by service providers. The extracted information is used to transform the description of services desired by the service requestor into an improved description of services.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: Provided are systems, devices, and methods for routing events. In one example, an application server includes a network interface to receive demographic information and a request from a mobile application executing on a mobile device, and a processor configured to identify an item that corresponds to the request, identify a web server that corresponds to the item, generate an event based on the request, and determine whether the event corresponds to the application server or the web server based on a combination of the item and the received demographic information. The processor may further process the event or control the network interface to transmit the event to the web server, based on determining whether the event corresponds to the application server or the web server.

Abstract: Methods, systems and programs are provided for facilitating group-based and role-based logical access security mechanism and community funds on a new generation online social networking and e-commerce system to effectively protect user data privacy, to increase online advertising results, and to significantly increase online traffic and online purchasing volume. These are revolutionary technologies to disrupt the traditional non-group and non-role based logical access of a traditional social networking or e-commerce website, so as to enhance data privacy, to pool resources, to dramatically increase Internet usage and to create a win-win situation for all parties involved.

Abstract: A social media platform and system provides a graphical user interface for creating social media posts and tagging one or more products. The platform and system further provides a graphical user interface for presenting social media posts which include the tags of products. In response to a user input via the graphical user interface, the platform and system can present product elements representative of the tagged products in a content stream.

Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

Abstract: Systems and methods are described herein for activating internet of things (IoT) devices, and other non-carrier provided devices, to data and other communication plans associated with a subscriber of a telecommunications carrier. The systems and methods may generate and publish a single API that, when called by an IoT device (e.g., an associated activation client for the IoT device) receives information associated with the IoT device and activates the IoT device to the subscriber's plan.

Abstract: Embodiments include systems and methods for providing comparative bid analysis and purchase order preparation. In one embodiment, a method can include receiving price data from one or more vendors; based at least in part on the received price data, identifying similar items from the two or more vendors; comparing the identified similar items to determine a lowest price; generating one or more indications for output to a user to verify price data; based at least in part on the received price data, generating a proposed purchase order selecting the lowest price for some or all of the identified items; providing the proposed purchase order for the user to select one or more items; after user approval, generating a purchase order for the two or more vendors utilizing some or all of the user-selected items in the proposed purchase order; and transmitting the purchase order to the two or more vendors.

Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.

Abstract: A 3D printer management application collects execution history of a job executed by a 3D printer, and generates, based on the collected execution history, a report including an actual result of use of a specific setting for control of 3D object creation and an actual result value related to productivity according to the setting.

Abstract: Methods, systems and programs are disclosed for facilitating dynamic online wish fulfillment and for transforming non-interactive assets into user-interactive assets. Such methods, systems and programs are to effectively increase online purchasing activities through joint wish fulfillment, as well as to effectively address low membership reach rates of websites and poor online advertising response rates through seamlessly integrating digital currency and dynamic online wish fulfillment with online sponsor advertisements to empower Internet users to conduct more online shopping, control online advertisement display, and to have a say and stake in the online advertising process. These are revolutionary technologies to disrupt the traditional non-dynamic wish fulfillment and non-user-participated online advertising technologies to improve social commerce and deep penetration of digital currency, to dramatically increase Internet usage and to create a win-win situation for all parties involved.

Abstract: Methods, systems and programs are provided for transforming traditional isolated access to distributed websites on the Internet into centralized access to functionalities of said distributed websites and for transforming distributed and siloed digital rewards on the Internet into a centralized digital currency through a social networking and e-commerce website for any account associated with any user on said website, and for transforming unwanted assets of other accounts associated with other users on said social networking and e-commerce website into desirable assets of any account associated with any user.

Abstract: A status management framework is provided that manages status information of a system. The status management framework receives messages from fulfillment systems, where the messages include status values. The status management framework propagates the received status values within the system. The status management framework includes a status service that receives status values from task layer services, and propagates the status values throughout objects of the system.

Abstract: Vehicle pricing such as used vehicle pricing is improved by supplementing statistical modeling techniques with additional algorithms to accommodate factors such as geography and dealer reputation that do not readily yield to regression analysis or similar tools that might be used to characterize a population.

Abstract: Systems, methods and computer program products that determine wholesale prices for durable goods such as used vehicles. In one embodiment, a system includes a computer processor, a network interface, a data storage device, and an output device. The system collects and stores, via the network interface, historical sales information from external data sources. A retail price for a target vehicle is determined based on the collected information. Condition information for the vehicle is collected and used to adjust the retail price to arrive at a wholesale price, which is output to a user. The system may also adjust the price based on repair costs associated with identified vehicle conditions. The system may collect cost information associated with a wholesale sale transaction and deduct these costs and a profit margin from the wholesale price to produce a trade-in price.

Abstract: Apparatus, systems, and methods may operate to present a plurality of searched items by a plurality of points in a matrix view, which includes a first axis and a second axis, respectively representing a price attribute and one of other attributes of the plurality of items. Additional apparatus, systems, and methods are disclosed.

Abstract: A guest engagement system and associated methods provide seamless engagement with guests of facilities through the use of wireless sensing technologies. The system makes use of individual guest devices which are carried by guests and used to automatically identify and authenticate the guests throughout the facility. Services can thereby be seamlessly provided to the guests throughout the facility. The services include automatic unlocking of doors, including hotel or state room doors, based on the guests' immediate proximity to their assigned room's door. The services also include automated payment services provided at checkout or vending terminals, and automated log-on to interactive displays and portals, among others, based on secure wireless authentication of the guest devices.

Abstract: A system and method for efficiently responding to electronic requests for quote (“RFQ”). Through use, a user, such as a merchant, can automatically create and deliver an electronic RFQ response, without need for any interaction by the merchant. The merchant may establish certain criteria in order to allow the system and method to automatically respond to electronic RFQ's received by the merchant.

Abstract: Providing subscriber options can include receiving a message including a selected service design option from a subscriber device, identifying the subscriber based on the message, fetching data pertinent to the selected service design option and the identified subscriber, and providing a set of service design options, dependent to the selected service design option, to the subscriber device based on the data.

Abstract: Embodiments disclosed herein can produce and present sustainable price information to help dealers to price vehicles for sustainability and facilitate consumers in making purchase decisions. In one approach, a sustainable price range for a specific vehicle configuration may be based on an average profit margin (APM) determined utilizing historical sale prices and an estimated actual dealer cost. Other approaches may utilize some or all of the following steps: determine APM and build a model of distribution of profit margins by APM, build a model to adjust APM by certain variables, identify sustainable levels for the inventory, production, and incentives variables feeding into the APM model, plug those in to get the averages for those sustainable levels, identify sustainable percentile cutoffs for a given profit margin, then use this relationship with the now identified sustainable levels as inputs to find the overall sustainable profit margin.

Abstract: A method for installing a photovoltaic system is presented and may involve receiving an identity of a building, and accessing a data store to obtain physical characteristics of the building based on an address of the building. The method may also include accessing a second data store to obtain weather information for a geographic region that includes the building, determining an available installation area to install a photovoltaic system on the building based on the physical characteristics of the building, and calculating an installation area for the photovoltaic system based at least in part on the weather information and the available installation area to maximize average efficiency of photovoltaic cells within the photovoltaic system. Further, the method may include adjusting the size of the PV system based on a building specific non-energy based constraint.

Abstract: A horizontal structure of components (or disparate business provider entities) for retail sales of merchandise is integrated by a server computer. The plurality of components are capable of collectively performing and completing the sale. Each component can be performed by a plurality of independent businesses, which are integrated or dis-integrated automatically and electronically by an integration engine within the structure on demand by the customer.

Abstract: A method and system for reducing the time it takes for a trader to place a trade when electronically trading commodities on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable prices and quantities. Click based trading, as described herein and specifically the “Click” and “Dime” methods of the present invention, enables a trader to execute single mouse click trades for large volumes of commodities at a price within a pre-specified range.