US Pat. No. 10,460,454

MOTION-BASED FACIAL RECOGNITION

Shanghai XPT Technology L...

1. An apparatus of facial recognition based on profiles of facial motions, comprising:a database that stores a predetermined profile of a default facial motion of a user including a plurality of facial patterns comprising at least one facial landmark and a predefined anchor on the user's face made from a first video clip of the user;
a camera that captures second video clip of the user; and
a processing unit connected to the database and the camera, the processing unit configured to establish the predetermined profile of the default facial motion and to establish a comparison profile from a facial motion captured over a duration from each of the second video clips through a profile establishment process, the processing unit further configured to track facial motions over the duration by comparing the default facial motion stored in the predetermined profile with the second video clips of the user and determine whether the comparison profile matches data stored in the predetermined profile.

US Pat. No. 10,460,453

FEATURE POINT IDENTIFICATION IN SPARSE OPTICAL FLOW BASED TRACKING IN A COMPUTER VISION SYSTEM

TEXAS INSTRUMENTS INCORPO...

1. A method of feature identification for sparse optical flow based tracking in a computer vision system, the method comprising:receiving, by a processor from a monocular camera in the computer vision system, a frame;
detecting, by the processor, feature points in the frame, to generate a plurality of detected feature points;
generating, by the processor, a first binary image indicating locations of the detected feature points with a bit value of one, wherein other locations in the first binary image have a bit value of zero;
generating, by the processor, a second binary image indicating neighborhoods of currently tracked points, wherein locations of the neighborhoods in the second binary image have a bit value of zero and other locations in the second binary image have a bit value of one; and
performing, by the processor, a binary AND of the first binary image and the second binary image, to generate a third binary image, wherein locations in the third binary image having a bit value of one indicate new feature points detected in the frame.

US Pat. No. 10,460,452

ULTRASOUND-BASED VOLUMETRIC PARTICLE TRACKING METHOD

The Regents of the Univer...

1. A method of determining a configuration of constituents in a medium and a rate of motion of the medium, wherein the method comprises:using a volumetric (3D) ultrasound or sonar imaging device to capture ultrasound or sonar images or datasets of at least two volumetric frames of the medium that comprise a change over time in the configuration of the constituents in the medium, wherein the change is related to the rate of motion of the medium;
measuring a field in the at least two volumetric frames;
calculating a 3D velocity vector field for the at least two volumetric frames, using a processor programmed to scale velocities according to voxel size and time gap between volumetric frames,
wherein the 3D velocity vector fields are calculated from the equation relating the configuration of the constituent in the medium to the velocity field by (1):

where B is the acquired brightness scalar field in the region of interest, t is time, v is the local 3D velocity vector, and ? is the gradient operator;
determining the configuration of the constituents in the medium and the rate of motion of the medium from the scaled 3D velocity vector fields; and
displaying an image showing the configuration of the constituents in the medium and the rate of motion of the medium.

US Pat. No. 10,460,451

EVALUATION INFORMATION PROVISION SYSTEM AND EVALUATION INFORMATION PROVISION METHOD

UNIVERSITY OF TSUKUBA, I...

1. An evaluation information provision system for outputting information evaluating a motion of a user, using two or more sets of motion data of a subject stored in association with an attribute and motion data of the user, comprising:a gyro sensor, an acceleration sensor, or a camera configured to acquire motion data of a user;
a processor configured to calculate a statistical distance between two or more sets of motion data and the motion data of the user; and
an interface configured to acquire assignment of an attribute, wherein
the processor is configured to calculate a score of the user for the attribute acquired by the interface,
the interface is configured to output the score of the user calculated by the processor, and
the processor is configured
to select feature data representing a feature of the attribute acquired by the interface, based on the statistical distance calculated by the processor for motion data associated with the attribute acquired by the acquisition unit among the two or more sets of motion data, and
to calculate the score of the user for the attribute acquired by the interface, using a statistical distance between the motion data associated with the attribute acquired by the interface and the feature data, and a statistical distance between the motion data of the user and the feature data.

US Pat. No. 10,460,450

METHOD FOR ESTIMATING THE FAT MASS OF A SUBJECT THROUGH DIGITAL IMAGES

1. A method for determining fat mass of a subject comprising the steps of:acquiring at least one image containing a background and a subject (2) through a digital device (1);
inputting at least a height value of the subject;
generating, within the at least one image, a virtual frame (A, A?, B?, B) that contains at least a part of said subject (2) in the image, the virtual frame (A, A?, B?, B) being generated with two horizontal parallel lines (A-A?, B-B?) to which a value of a distance therebetween is attributed based on the inputted height (h) value of the subject, and with two vertical lines (A-B, A?-B?) to which a value of distance therebetween is attributed also based on a fraction of the height (h) value of the subject,
wherein the virtual frame (A, A?, B, B?) is generated through the digital device that acquires the image, wherein the horizontal lines are translatable, and
wherein, independently from a value of translation of the horizontal lines, a value of a distance between the horizontal lines remains fixed as a reference height (h) value of the subject;
defining an outer profile of the at least a part of said subject, said outer profile delimiting a first area (A_1), the virtual frame delimiting a second area (B_1); and
determining a content of fat mass through an algorithm that uses at least one index which is indicative of the first area (A_1) occupied by the at least a part of the subject (2) in the virtual frame with respect to the second area (B_1) of the virtual frame.

US Pat. No. 10,460,449

IMAGE PROCESSING APPARATUS, IMAGE PROCESSING METHOD, AND IMAGE PROCESSING SYSTEM FOR EXTRACTING REGIONS OF INTEREST

Canon Kabushiki Kaisha, ...

1. An image processing apparatus, comprising:a memory storing a program; and
one or more processors which, by executing the program, function as:
acquiring unit configured to acquire, as a reference information, information including information about a dimension of a reference region of interest and a Graph-Cut coefficient corresponding to the information about the dimension;
generating unit configured to generate a second image based on a first image with a first region of interest such that a second region of interest in the second image corresponding to the first region of interest satisfies a predetermined criterion with respect to the information about the dimension; and
extracting unit configured to extract the second region of interest from the second image generated by the generating unit, by applying a Graph-Cut method using the Graph-Cut coefficient to the second image.

US Pat. No. 10,460,448

METHOD FOR QUANTIFICATION OF UNCERTAINTY OF CONTOURS IN MANUAL AND AUTO SEGMENTING ALGORITHMS

KONINKLIJKE PHILIPS N.V.,...

1. A method for quantification of irregularity of a boundary of a lesion, said method comprising:receiving an image including the lesion;
receiving a band of uncertainty delineating a region in the received image, the region including the boundary of the lesion;
delineating the boundary of the lesion in the region using iterative filtering of the region, the iterative filtering of the region including applying n iterations of an iteratively running edge-enhancing iterative algorithm including, for each of at least one of a plurality of sub-regions defining the region;
iteratively filtering the sub-region until the boundary in the sub-region can be delineated with a confidence level exceeding a predetermined level; and,
delineating the boundary in the filtered sub-region;
determining at least one metric of uncertainty of the delineated boundary of the lesion for the region based on the number of iterations n according to uncertainty(x)=100*exp(?F(x)/n), where n is a specific iteration, x is the number of iterations and F(x) is strength gradient of the sub-region;
controlling a display device to display a contour representing the delineated boundary of the lesion, the contour being color coded according to metric of uncertainty to determine irregularity of the boundary of the lesion.

US Pat. No. 10,460,447

METHOD AND SYSTEM FOR PERFORMING SEGMENTATION OF IMAGE HAVING A SPARSELY DISTRIBUTED OBJECT

Shenzhen Keya Medical Tec...

1. A computer-implemented method for segmenting an image having a sparsely distributed object, comprising:predicting, by at least one processor, object potential areas in the image using a preliminary fully convolutional neural network;
segmenting, by the at least one processor, a plurality of sub-images corresponding to the object potential areas in the image using a refinement fully convolutional neural network, wherein the refinement fully convolutional neural network is trained to segment images on a resolution higher than that is utilized by the preliminary fully convolutional neural network; and
combining the segmented sub-images to generate a final segmented image.

US Pat. No. 10,460,446

IMAGE-BASED CIRCULAR PLOT RECOGNITION AND INTERPRETATION

NANT HOLDINGS IP, LLC, C...

1. A device comprising:a non-transitory, computer readable memory storing software instructions that comprise an encoding of a machine executable circular plot analysis agent and at least one circular plot definition;
at least one processor coupled with the memory wherein the at least one processor is configurable, upon execution of the software instructions to operate as the circular plot analysis agent, to:
obtain a digital image of a circular plot;
detect a perimeter of the circular plot within the digital image;
detect a plurality of edges within the perimeter;
convert the plurality of edges into a set of chords within the perimeter as a function of the plurality of edges and according to the circular plot definition;
identify, from the set of chords, a set of endpoints on the perimeter as a function of the plurality of edges;
generate a plot descriptor from the set of endpoints wherein the descriptor represents sets of endpoints distributed around at least one perimeter track associated with the perimeter;
and
initiate a transaction with at least a second device as a function of the plot descriptor.

US Pat. No. 10,460,445

OBJECT DIGITIZATION

MICROSOFT TECHNOLOGY LICE...

1. A computer-implemented method for generating a rendition of an object, the method comprising:receiving images capturing the object from different views;
in at least two separate images, identifying at least two different sides of the object;
creating constructions of the at least two different sides of the object from the at least two images;
determining points of one of the constructions to connect to points of another construction;
aligning the constructions at the points;
merging the constructions together into a rendition of the object; and
storing the rendition of the object.

US Pat. No. 10,460,444

MEMORY DEVICE AND OPERATION METHOD THEREOF

MACRONIX INTERNATIONAL CO...

1. A memory device, comprising:a plurality of bit lines, configured to receive a plurality of pixel data of an image;
a plurality of word lines, each of the word lines comprising a plurality of factor units, and each of the word lines coupled to the bit lines via the factor units, wherein the factor units of each of the word lines are configured according to a plurality of factors of a filter, and the configurations of the factor units of the word lines are different from each other; and
a control circuit, coupled to the bit lines and the word lines,
wherein when processing a first area of the image by the filter, the control circuit inputs the pixel data within the first area of the image to the bit lines, and enables one of the word lines for operation, when processing a second area of the image by the filter, the control circuit maintains the pixel data within the second area overlapping the first area on the bit lines, and inputs the pixel data within the second area which doesn't overlap the first area to the bit lines, and enables another one of the word lines for operation.

US Pat. No. 10,460,443

ELECTRONIC DEVICE AND METHOD FOR APPLYING CORRECTION SCHEME(S) TO AN IMAGE

Samsung Electronics Co., ...

1. An electronic device comprising:a display configured to display a first image; and
one or more processors electrically connected with the display,
wherein the one or more processors are configured to:
identify a region which includes a first object comprising a first sub-region which includes a first part of the first object and a second sub-region which includes a second part of the first object from the first image, identify a first ratio of the first sub-region to the first image and a second ratio of the second sub-region to the first image, adjust the first ratio by applying a first correction scheme to the first sub-region which includes the first part of the first object, and the second ratio by applying a second correction scheme to the second sub-region which includes the second part of the first object, and provide a second image comprising the corrected first sub-region which includes the first part of the first object and the corrected second sub-region which includes the second part of the first object,
wherein the first correction scheme is a correction scheme that changes a size of the first sub-region which includes the first part of the first object, and the second correction scheme is a correction scheme that performs perspective transformation with respect to the second sub-region which includes the second part of the first object.

US Pat. No. 10,460,442

LOCAL DISTORTION OF A TWO DIMENSIONAL IMAGE TO PRODUCE A THREE DIMENSIONAL EFFECT

INTERNATIONAL BUSINESS MA...

1. A computer-implemented method for distorting a region of a display, the method comprising:determining that a gaze direction of a user is not aligned with the display;
selecting the region of the display;
determining a first subset of distortion elements of a plurality of distortion elements, wherein the first subset of distortion elements correspond to the selected region of the display;
determining a second subset of distortion elements of the plurality of distortion elements to not activate in order to mitigate an extent of distortion of the selected region of the display and to cause an unselected region of the display to remain undistorted, the second subset of distortion elements being determined by identifying a set of distortion elements of the plurality of distortion elements that excludes the first subset of distortion elements; and
activating the first subset of distortion elements of the plurality of distortion elements to cause the selected region of the display to locally distort, wherein, upon distortion, the selected region of the display is aligned with the gaze direction of the user.

US Pat. No. 10,460,441

TRACHEA MARKING

COVIDIEN LP, Mansfield, ...

1. A non-transitory computer-readable storage medium storing instructions for marking a trachea of a patient, the instructions, when executed by a processor, cause a computing device to:generate a three-dimensional (3D) model based on a plurality of two-dimensional (2D) images of the patient;
receive, via a graphical user interface (GUI), a first mark at a main carina in one of the plurality of two-dimensional (2D) images of the patient;
adjust a view plane of the three-dimensional (3D) model around a rotation axis defined by the first mark; and
receive, via the GUI, a second mark at an upper end of the trachea in one of the plurality of 2D images of the patient.

US Pat. No. 10,460,440

DEEP CONVOLUTIONAL NEURAL NETWORK WITH SELF-TRANSFER LEARNING

General Electric Company,...

1. A convolutional neural network system, comprising:a memory that stores computer executable components;
a processor that executes computer executable components stored in the memory, wherein the computer executable components comprise:
a machine learning component that generates learned medical imaging output regarding an anatomical region based on a convolutional neural network that receives medical imaging data, wherein the machine learning component performs a first convolutional layer process associated with sequential downsampling of the medical imaging data followed by a second convolutional layer process associated with sequential upsampling of the medical imaging data, and wherein a first convolutional layer of the first convolutional layer process corresponds to a last convolutional layer of the second convolutional layer process;
a medical imaging diagnosis component that determines a classification and an associated localization for a portion of the anatomical region based on the learned medical imaging output associated with the convolutional neural network; and
a visualization component that generates a multi-dimensional visualization associated with the classification and the localization for the portion of the anatomical region.

US Pat. No. 10,460,439

METHODS AND SYSTEMS FOR IDENTIFYING CELLULAR SUBTYPES IN AN IMAGE OF A BIOLOGICAL SPECIMEN

CIRECA THERANOSTICS, LLC,...

1. A method for identifying biologic subtypes in a biological specimen executed by a computer device comprising a memory and a processor, the method comprising:receiving an Infrared Spectroscopy (IR) data set for a plurality of biological samples associated with a cohort of biological specimens, wherein the data set includes spectral images that represent a chemical or biochemical composition for each of the plurality of biological samples;
determining one or more clusters associated with the data set based upon applying a cluster analysis to the spectral images of the plurality of biological samples;
generating cluster labeled images for the plurality of biological samples by associating each pixel of the spectral images with a cluster label for the one or more clusters;
establishing quantitative metrics for the one or more clusters based at least upon the chemical or biochemical composition of the spectral images by analyzing the cluster labeled images;
performing a comparative analysis of the plurality of biological samples in a cluster of the one or more clusters to identify similarities or differences in the plurality of biological samples based upon the quantitative metrics and analyzing the cluster composition of the spectral image corresponding to the plurality of biological samples;
identifying at least one region of interest in at least one biological sample of the plurality of biological samples based upon the identified similarities or differences in the plurality of biological samples; and
associating a biologic subtype with the at least one region of interest,
wherein when the biologic subtype associated with the at least one region of interest is different from known biologic subtypes;
identifying a new biologic subtype; and
outputting a new diagnostic, prognostic, predictive, or therapeutic biologic subtype by correlating the new biologic subtype with patient, prognostic, predictive, therapeutic or clinical trial data, and
wherein when the biologic subtype associated with the at least one region of interest is the same as a known biologic subtype:
outputting a diagnostic, prognostic, predictive, or therapeutic biologic subtype by correlating the biologic subtype with patient, prognostic, predictive, therapeutic or clinical trial data of the known biologic subtype.

US Pat. No. 10,460,438

APPARATUS AND METHOD FOR RECOGNITION OF MEDICATION ADMINISTRATION INDICATOR

AIC Innovations Group, In...

1. A non-transitory computer readable storage medium having a computer program stored thereon, the computer program causing a computing device to perform operations comprising:providing one or more first set of instructions on a display of the computing device instructing placement of a medical measurement apparatus for measurement of a medical value directly from a user including placement of a numerical indicator indicative of the measured medical value by the medical measurement apparatus within a field of view of an image capture device of the computing device;
imaging, by the image capture device of the computing device, the numerical indicator representative of the measured medical value of the medical apparatus;
comparing, through recognition of the numerical indicator representative of the measured medical value imaged by the image capture device of the computing device, the measured medical value to a predetermined amount; and
providing one or more second set of instructions on the display of the computing device to a user in response to the comparison between the measured medical value and the predetermined amount;
Wherein the computer program causes the computing device to perform operations further comprising confirming that post-measurement operation of a second medical device in response to a user following the provided one or more second set of instructions satisfies one or more criteria;
wherein the one or more first set of instructions on the display of the computing device comprise an outline of the medical measurement apparatus,
wherein the medical measurement apparatus is a glucose meter.

US Pat. No. 10,460,437

METHOD FOR PLACING A LOCALIZATION ELEMENT IN AN ORGAN OF A PATIENT FOR FOUR DIMENSIONAL SOFT TISSUE NAVIGATION

Veran Medical Technologie...

1. A method comprising:preparing a segmented image dataset to match the anatomy of a patient by
(i) forming a gated point cloud of data by moving a first catheter having a localization element through a plurality of locations in the patient's anatomy,
(ii) using a processor to density filter the gated point cloud to reduce the number of duplicate data points in the gated point cloud,
(iii) classifying data points of the density filtered gated point cloud according to anatomical points of reference,
(iv) registering the classified gated point cloud to the segmented image dataset,
(v) comparing the classified gated point cloud to the segmented image data set to determine the weighting of points comprised by the gated point cloud,
(vi) distinguishing regions of greater weighting from regions of lesser weighting, and
(vii) modifying the registered segmented image dataset to correspond to the classified data points of the gated point cloud;
navigating a second catheter to a target tissue in an organ using the registered segmented image dataset, the target tissue having a position;
attaching a first localization element to the target tissue to fix a position of the first localization element relative to the position of the target tissue;
registering the first localization element to the segmented image dataset; and
identifying the position of the first localization element from outside the patient's organ using an electromagnetic field generator with a 3D coordinate system, wherein the the electromagnetic field generator determines the position of the first localization element and a position of a second localization element relative to the electromagnetic field generator even if the patient has been manipulated such that the first localization element is no longer registered to the segmented image dataset.

US Pat. No. 10,460,436

INSPECTION METHOD, INSPECTION SYSTEM, AND METHOD OF FABRICATING SEMICONDUCTOR PACKAGE USING THE SAME

Samsung Electronics Co., ...

1. A method comprising:obtaining a reference value by measuring a surface profile of a reference pattern;
scanning reference images of the reference pattern by using a plurality of optical inspection conditions;
obtaining estimation values of the reference pattern measured from the reference images;
selecting a desired optical inspection condition among the plurality of optical inspection conditions by comparing the reference value with the estimation values;
scanning a target image of a target pattern by using the desired optical inspection condition; and
obtaining an error value by quantitatively comparing the target image with a design image of the target pattern.

US Pat. No. 10,460,435

PATTERN INSPECTION METHOD AND PATTERN INSPECTION APPARATUS

NuFlare Technology, Inc.,...

1. A pattern inspection method comprising:calculating a first coefficient of a filter function for generating a reference image, by using data of an optical image of each of a plurality of small regions each having a predetermined size selected from an inspection region of a substrate to be inspected on which a plurality of figure patterns are formed, and data of a developed image generated by performing image development of a pattern arranged in the each of the plurality of small regions based on design data used as a basis for forming the plurality of figure patterns on the substrate to be inspected;
calculating a second coefficient of a filter function for generating a reference image, by using data of an optical image of a reference small region selected from the plurality of small regions, and data of a developed image of the reference small region selected;
determining, for each pixel, whether there exists a pixel for which a difference, between a first temporary reference image to be compared with the optical image of the reference small region generated using the filter function in which the first coefficient is defined and a second temporary reference image to be compared with the optical image of the reference small region generated using the filter function in which the second coefficient is defined, is larger than a threshold; and
inspecting a pattern in the inspection region by using the reference image generated based on the filter function in which the first coefficient is defined, for each of a plurality of inspection unit regions into which the inspection region of the substrate to be inspected is divided by a size same as the predetermined size,
wherein, based on the determining, in a case where the pixel for which the difference is larger than the threshold exists, the inspecting the pattern in the inspection region is stopped beforehand.

US Pat. No. 10,460,433

MEASUREMENT METHOD, MEASUREMENT APPARATUS, LITHOGRAPHY APPARATUS, AND METHOD OF MANUFACTURING ARTICLE

CANON KABUSHIKI KAISHA, ...

1. A measurement method of measuring a rotational shift amount of pattern regions arranged on a substrate with respect to a reference portion provided at an outer edge of the substrate, the method comprising:capturing a target region including a target object on the substrate during detecting a position of the reference portion while rotating the substrate to obtain a first image;
capturing the target object in a state where the substrate remains still to obtain a second image;
obtaining a third image indicating a difference between the first image and the second image by correcting the second image with the first image; and
obtaining a position of the target object based on the third image and obtaining the rotational shift amount of the pattern regions with respect to the reference portion based on the obtained position of the target object.

US Pat. No. 10,460,432

DIGITAL IMAGE CORRELATION PATTERN APPLICATION WITH ASPIRATED INK

The Boeing Company, Chic...

1. A method for strain testing comprising:creating a stochastic pattern with ink from a permanent marker having a porous tip by supplying aspirating gas through an orifice in a conduit positioned adjacent the porous tip to spray the ink on an article to be tested;
performing a strain test on the article inducing a strain in the article with a resulting change in the stochastic pattern of the ink; and,
measuring the strain using a digital image correlation (DIC) imaging and calculation system viewing the stochastic pattern.

US Pat. No. 10,460,431

PART RECOGNITION AND DAMAGE CHARACTERIZATION USING DEEP LEARNING

OTIS ELEVATOR COMPANY, F...

8. A computer program product tangibly embodied on a computer readable medium, the computer program product including instructions that, when executed by a processor, cause the processor to perform operations comprising:capturing real data of a conveyance system;
capturing synthetic data of the conveyance system;
performing domain adaption to bridge between the synthetic data and the real data;
determining a supervised deep learning model in response to the real data, the synthetic data, and the bridge adaption;
determining an unsupervised deep learning model in response to the real data, the synthetic data, and the bridge adaption;
capturing an image of a part of the conveyance system using a sensor;
classifying the part of the conveyance system using the image and at least one of the supervised deep learning model and the unsupervised deep learning model;
displaying a classification of the part on a mobile computing device;
determining a reconstruction error in response to the classification of the part and the nearest neighbor; and
determining an amount of damage to the part in response to the reconstruction error using recurrent architectures and feature extraction modules.

US Pat. No. 10,460,430

IMAGE PROCESSING APPARATUS AND METHOD FOR DETECTING AND REDUCING AN UNNECESSARY LIGHT COMPONENT IN AN IMAGE BASED ON MULTIPLE VIEWPOINTS

Canon Kabushiki Kaisha, ...

1. An image processing apparatus, comprising:one or more processors; and
a memory storing instructions which, when the instructions are executed by the processors, cause the image processing apparatus to function as:
a detection unit configured to detect an unnecessary component generating region, which is a region of an image in which an unnecessary component is generated, based on a first viewpoint image and a second viewpoint image with different viewpoints, the image being obtained by combining the first viewpoint image and the second viewpoint image, the detection unit being configured to detect the unnecessary component generating region based on a plurality of correlation values between a first region of interest in the first viewpoint image and a plurality of second regions of interest in the second viewpoint image; and
a reduction unit configured to perform processing of reducing the unnecessary component,
wherein the detection unit is configured to detect the unnecessary component generating region based on comparison between of the plurality of correlation values and a threshold value.

US Pat. No. 10,460,429

AUTO-RANGING PARAMETRIC SPATIAL FILTERING

United States of America ...

1. A method for enhancing an image comprising the steps of:receiving image data for a tactical scene including a target object;
determining a first target distance measured from a first reference point to a first position of the target object;
selectively creating a first filtered scene comprising a first subset of content from the tactical scene and including the target object, by
receiving a first parametric variable, and
applying at least one spatial filter using the first target distance and the first parametric variable; and
displaying the first filtered scene.

US Pat. No. 10,460,428

METHOD, HEAD-UP DISPLAY AND OUTPUT SYSTEM FOR THE PERSPECTIVE TRANSFORMATION AND OUTPUTTING OF IMAGE CONTENT, AND VEHICLE

Bayerische Motoren Werke ...

1. A method for perspective transformation and display of a rendered image content by a head-up display, comprising the acts of:dividing the rendered image content into a plurality of tiles;
transforming individual ones of the plurality of tiles by perspective transformation;
storing the perspectively transformed tiles in a buffer memory;
combining the perspectively transformed tiles into a transformed image content; and
projecting the perspectively transformed image content onto a projection surface assigned to the head-up display,
wherein
only a portion of the individual ones of the plurality of tiles is perspectively transformed,
the portion of the individual ones of the plurality of tiles is perspectively transformed includes individual ones of the plurality of tiles which are changed relative to tiles of a perspectively transformed image previously stored in the buffer memory, and
during the act of combining the individual perspectively transformed tiles, the remaining individual ones of the plurality of tiles which were not changed relative to the perspectively transformed image previously stored in the buffer memory are retrieved from the buffer memory and combined with the portion the individual ones of the plurality of tiles perspectively transformed to form the perspectively transformed image content.

US Pat. No. 10,460,426

METHODS AND DEVICES FOR OPTICAL ABERRATION CORRECTION

eSight Corp., Kanata, On...

1. A device comprising:a near-to-eye (N2I) display for displaying a processed image to an eye of a user;
an optical train disposed between N2I display and the user's eye for coupling an image displayed upon the N2I display to the user's eye;
an image processing pipeline for processing input comprising digital image content relating to an image to be displayed and storing the processed image to be accessed by the N2I display; wherein
the processing of the digital image content to generate the processed image is performed in dependence upon a static vertex buffer with the image processing pipeline, the static vertex buffer defining for each point within a grid representing an effective visual frame to be presented to the user a plurality of pixel locations within an image to be displayed to the user; wherein
each pixel location of the plurality of pixel locations is associated with a predetermined colour pixel within the image; and
each pixel location of the plurality of pixel locations when subjected to the chromatic aberration of the optical train which couples the N2I display to a user's eye approximately aligns to a point within the grid;
the processing is performed using a graphical processing unit (GPU) comprising at least a vertex shader and fragment shader; and
colour-dependent spatial transforms and spatially-dependent amplitude transforms are implemented by the fragment shader and not the vertex shader.

US Pat. No. 10,460,425

METHOD, DEVICE, AND RECORDING MEDIUM FOR PROCESSING IMAGE

Samsung Electronics Co., ...

1. A method of processing an image in a device, the method comprising:determining a distortion correction ratio of each of a plurality of vertices comprised in a source image, based on information about a lens through which the source image is projected;
determining corrected location information including depth values of the plurality of vertices, based on the distortion correction ratio of each of the plurality of vertices and a distance between a point of view and a display on which the source image is projected; and
rendering a distortion-corrected image comprising pixels determined based on the determined depth values.

US Pat. No. 10,460,424

PROJECTOR AND METHOD FOR CONTROLLING PROJECTOR PROVIDING SUPPRESSION REGION

SEIKO EPSON CORPORATION, ...

1. A projector comprising:a light source;
a light modulator that has an image drawing region where an image is drawable and modulates light emitted from the light source by using the image drawn in the image drawing region;
a projection system that includes a projection lens and projects image light modulated by the light modulator;
a lens shift mechanism that moves the projection lens in a direction perpendicular to an optical axis of the projection lens; and
a control section that controls the image drawing performed by the light modulator, wherein
the control section determines a current position of the projection lens and provides, based on the position of the projection lens, the image drawing region of the light modulator with a suppression region where an amount of the image light is suppressed, and
the control section
identifies a preset shift range of the projection lens,
performs a comparison of the current position of the projection lens with the identified preset shift range, and
in response to the comparison indicating that the position of the projection lens is outside the identified preset shift range, provides the suppression region.

US Pat. No. 10,460,423

SYSTEM AND METHOD FOR MEDICAL IMAGE QUALITY ENHANCEMENT USING MULTISCALE TOTAL VARIATION FLOW

1. A method for denoising an image, the steps of the method comprising:a) providing an image to be denoised to a computer system;
b) generating a smoothed image from the provided image by computing a total variation flow of the provided image according to a scale parameter using the computer system;
c) updating the provided image by storing the smoothed image as an updated version of the provided image in a memory of the computer system;
d) iteratively repeating steps b) and c) with the computer system until a stopping criterion is satisfied, wherein each repetition of step b) includes generating the smoothed image from the updated version of the provided image using a different scale parameter;
e) storing the updated version of the provided image that satisfies the stopping criterion in step d) as a denoised image; and
wherein a speed at which the stopping criterion is satisfied is controlled using a speed function that is a monotonically increasing continuous function.

US Pat. No. 10,460,422

IMAGE PROCESSING DEVICE AND IMAGE PROCESSING METHOD

SONY CORPORATION, Tokyo ...

1. An image processing device comprising:a demosaicing unit configured to use a pixel signal of a target pixel of a polarized image including pixels for each of a plurality of polarization components and a pixel signal of a pixel for each of identical polarization components located near the target pixel to calculate a pixel signal for each polarization component different from the polarization component of the polarized image in the target pixel,
wherein the demosaicing unit calculates the pixel signal for each polarization component in the target pixel on a basis of a low frequency component for each polarization component and component information indicating a relationship between the low frequency component of the polarization component of the polarized image and the pixel signal of the target pixel, the low frequency component for each polarization component being calculated by using the pixel signal of the pixel located near the target pixel for each of the identical polarization components, and
wherein the demosaicing unit is implemented via at least one processor.

US Pat. No. 10,460,421

IMAGE PROCESSING APPARATUS AND STORAGE MEDIUM

Brother Kogyo Kabushiki K...

1. An image processing apparatus to generate a digital postcard which is printable by a printer on a recording medium comprising:a processor; and
a memory storing instructions that, when executed by the processor, cause the image processing apparatus to perform:
acquiring target image data indicating a target image, which is a target of an image processing, and template image data indicating a digital postcard;
specifying an object in the target image;
calculating an aspect ratio of the object, which is a ratio of a vertical length of the object in the target image to a horizontal length of the object in the target image;
specifying an inscribed figure inscribed in a composition target area in the digital postcard, the inscribed figured having an aspect ratio equivalent to the aspect ratio of the object and having a maximum size among a plurality of figures inscribed in the composition target area in the digital postcard, and a shape of the composition target area in the digital postcard being different from a shape of the inscribed figure,
calculating a size ratio between the specified inscribed figure and an area determined based on the object in the target image;
determining whether a first area including the object is capable of being extracted from the target image based on the calculated size ratio;
extracting the first area including the object from the target image based on the calculated size ratio in a case where the first area is determined to be capable of being extracted from the target image; and
generating a composited image in which an image, which is in the extracted first area of the target image and whose size has been adjusted based on the size ratio, is composited in the composition target area in the digital postcard,
wherein the first area is extracted such that, when the image in the first area whose size has been adjusted based on the size ratio is superimposed on the composition target area in the digital postcard, the object contacts with the inscribed figure,
wherein the instructions stored in the memory, when executed by the processor, cause the image processing apparatus to further perform:
generating an amended image by using a partial image which includes the object and is in an area smaller than the first area in a case where the first area is determined to be incapable of being extracted from the target image, and
wherein the generating the composited image generates the composited image in which the amended image is composited in the composition target area of the digital postcard in a case where the first area is determined to be incapable of being extracted from the target image; and
sending the digital postcard including the generated composited image to a printing device for printing on a recordable medium.

US Pat. No. 10,460,420

CONVERTING SPATIAL FEATURES TO MAP PROJECTION

The Government of the Uni...

1. A method for converting spatial features to a map projection, comprising:obtaining a map request that specifies the map projection for a geographic area, wherein the map projection is a two dimensional representation of a three dimensional region in the geographic area, and wherein the map projection corresponds to a polar coordinate system;
identifying a spatial feature for projecting into the map projection;
until a bisect threshold is satisfied for each of a plurality of line segments in the spatial feature:
determining a bisect for each of the plurality of line segments;
projecting each of the plurality of line segments into the map projection; and
if the bisect threshold is not satisfied for a line segment of the plurality of line segments, dividing the line segment into a plurality of subsegments, wherein the bisect threshold specifies an error distance for the line segment after projection;
projecting the modified spatial feature into the map projection to obtain a projected spatial feature; and
using the polar coordinate system to render the projected spatial feature in a spatial map.

US Pat. No. 10,460,419

GRAPHICS RENDERING USING A HIERARCHICAL ACCELERATION STRUCTURE

Intel Corporation, Santa...

1. A method comprising:building, by a computing device, a hierarchical acceleration structure using a N bit address space format to reference child nodes;
determining, by the computing device, whether a node in said hierarchical acceleration structure is internal and, only if the node is not an internal node, checking whether the node uses a M bit address space format where M is greater than N;
if the node uses the M bit address space format, processing the node as a M bit extension; and
if the node does not use the M bit address space format, processing the node as a leaf node.

US Pat. No. 10,460,418

BUFFER INDEX FORMAT AND COMPRESSION

Microsoft Technology Lice...

1. A method of index compression in a computer device, comprising:reading, at a processing unit in the computer device, a plurality of groups of indices, each group of the plurality of groups of indices corresponding to at least a part of one of a plurality of primitives of a mesh of an object to be rendered;
identifying a smallest index in each of the plurality of groups of indices;
calculating a plurality of control bits for each of the plurality of groups of indices, wherein each of the plurality of control bits indicate a location of the smallest index in each of the plurality of groups of indices;
calculating unsigned delta encoded values relative to the smallest index in each of the plurality of groups of indices for remaining indices in each of the plurality of groups of indices;
converting the plurality of groups of indices and the plurality of control bits into a plurality of compressed groups of indices, wherein each one of the plurality of compressed groups of indices includes a first value corresponding to an absolute value of the smallest index of the one of the plurality of groups of indices followed by the unsigned delta encoded values of the remaining indices of the one of the plurality of groups of indices and a corresponding control bit of the plurality of control bits; and
storing the plurality of compressed groups of indices.

US Pat. No. 10,460,417

COMPUTE CLUSTER PREEMPTION WITHIN A GENERAL-PURPOSE GRAPHICS PROCESSING UNIT

Intel Corporation, Santa...

1. An apparatus comprising:a graphics processor comprising:
a thread dispatcher to dispatch a thread for execution by the graphics processor;
a compute unit having a single instruction, multiple thread architecture, the compute unit to execute multiple concurrent threads; and
a memory coupled with the compute unit and on a same integrated circuit as the compute unit, the memory to store thread state for a suspended thread, wherein the compute unit is to:
detect that all threads on the compute unit are blocked from execution, select a victim thread from the multiple concurrent threads, suspend the victim thread, store thread state of the victim thread to the memory, store a blocking condition for the victim thread, wherein the blocking condition is a page fault or hardware-based synchronization event, and replace the victim thread with an additional thread to be executed.

US Pat. No. 10,460,416

INLINE IMAGE PREPROCESSING FOR CONVOLUTION OPERATIONS USING A MATRIX MULTIPLIER ON AN INTEGRATED CIRCUIT

XILINX, INC., San Jose, ...

1. A preprocessor circuit for formatting image data into a plurality of streams of image samples, the preprocessor circuit comprising:a plurality of memory banks configured to store the image data;
multiplexer circuitry coupled to the memory banks;
a first plurality of registers coupled to the multiplexer circuitry;
a second plurality of registers coupled to the first plurality of registers, outputs of the second plurality of registers configured to provide the plurality of streams of image samples; and
control circuitry configured to
generate addresses for the plurality of memory banks,
control the multiplexer circuitry to select among outputs of the plurality of memory banks,
control the first plurality of registers to store outputs of the multiplexer circuitry, and control the second plurality of registers to store outputs of the first plurality of registers,
wherein the control circuitry comprises:
bank address and control circuitry coupled to control inputs of the plurality of memory banks, the multiplexer circuitry, and the first plurality of registers;
output control circuitry coupled to control inputs of the second plurality of registers; and
a control state machine coupled to the bank address and control circuitry and the output control circuitry.

US Pat. No. 10,460,415

CONTEXTUAL CONFIGURATION ADJUSTER FOR GRAPHICS

Intel Corporation, Santa...

1. An electronic processing system, comprising:a graphics subsystem to run a graphics application;
persistent storage media communicatively coupled to the graphics subsystem;
memory communicatively coupled to the graphics subsystem;
a display communicatively coupled to the graphics subsystem;
a contextual configuration adjuster communicatively coupled to the graphics subsystem to adjust a configuration of the graphics subsystem based on contextual information;
a profiler to determine profile information for the graphics application that is run by the graphics subsystem; and
a neural network trainer to train a neural network to develop a configuration decision network for the graphics application based on the profile information.

US Pat. No. 10,460,414

DIGITAL WATERMARK INFORMATION DETECTING DEVICE AND DIGITAL WATERMARK INFORMATION DETECTING METHOD

FUJITSU LIMITED, Kawasak...

1. A digital watermark information detecting device comprising:a processor that executes a process comprising:
dividing image data into a plurality of areas, wherein the image data includes first image data and second image data that are respectively projected by a first projecting device and a second protecting device, the image data is captured by an imaging device, in the first image data and the second image data, first watermark information and second watermark information are respectively embedded, the first watermark information and the second watermark information are each represented by a string of first-type information or second-type information and are respectively embedded in the first image data and the second image data as first watermark data and second watermark data that temporally change each period with a constant amplitude to represent the first-type information, or the second-type information by a reversed phase of a phase for the first-type information, and the first watermark data and the second watermark data are so projected by the first projecting device and the second projecting device as to be synchronized with each other;
first extracting an amplitude of the first watermark data in an area among the plurality of areas;
identifying other areas that are adjacent with each other, wherein at least one of the other areas is adjacent to the area, and in the other areas the first watermark data changes in phase with a same amplitude that is extracted as the area, identifying the area and the identified other areas, as a first target area for extraction, and identifying a second target area for extraction as to the second image data; and
second extracting the first watermark information which is embedded in the first target area for extraction and the second watermark information which is embedded in the second target area for extraction.

US Pat. No. 10,460,413

FEATURE-BASED SIGNAL LOCALIZATION IN DIGITAL CAPTURE SYSTEMS

Digimarc Corporation, Be...

1. A method comprising:obtaining data representing optically captured imagery, the optically captured imagery depicting packaging or a label including an encoded signal, the encoded signal including a synchronization signal that is detectable in a transform domain;
generating a feature set of the data representing the optically captured imagery, the feature set representing the optically captured imagery in a spatial domain;
employing a classifier to predict the presence of the synchronization signal in a transform domain from the feature set in the spatial domain.

US Pat. No. 10,460,412

AUTHENTICATION OF NORMAN ROCKWELL PAINTINGS

1. A process for authenticating an image, comprising:providing a digital photograph of the image;
converting the digital photograph to a CMYK color model;
adjusting saturation of the CMYK color model of the digital photograph to 60% of complete saturation;
adjusting the hue of the CMYK model of the digital photograph to 57 degrees on a red-zeroed color wheel;
converting the saturation-adjusted and hue-adjusted CMYK model of the digital photograph to an HSV color model of the digital photograph;
in the HSV color model of the digital photograph shifting input color components having a hue of between about 46 degrees and about 66 degrees on the red-zeroed color wheel to a hue of between about 281 degrees and about 315 degrees on the red-zeroed color wheel;
posterizing the hue-adjusted HSV model of the digital photograph to include three colors; and
determining whether the hue-adjusted HSV model of the digital photograph contains one or more steganographic symbols.

US Pat. No. 10,460,411

REAL-TIME RESOURCE MANAGEMENT FOR ON-DEMAND SERVICES

Uber Technologies, Inc., ...

1. A method of performing real-time updates for a network-based service, the method being performed by one or more processors and comprising:periodically computing respective values of a parameter of the network-based service for a plurality of geographic regions, including computing a first value of the parameter for a first geographic region and a second value of the parameter for a second geographic region based, at least in part, on data received over a network from a plurality of provider devices and a plurality of requester devices during a first time period;
in response to receiving a request for the network-based service over the network from a first requester device, determining whether to perform real-time update of the first value for the first geographic region, wherein the request for the network-based service is associated with the first geographic region; and
in response to determining to perform real-time update of the first value for the first geographic region, (i) determining an updated value of the parameter for the first geographic region based, at least in part, on the second value of the parameter for the second geographic region that is physically adjacent to the first geographic region, (ii) associating the updated value, rather than the first value, with the request for the network-based service, (iii) causing the first requester device to display content reflective of the updated value, rather than the first value, being associated with the request for the network-based service, and (iv) storing the updated value as the value of the parameter for the first geographic region.

US Pat. No. 10,460,410

LOCATION SERVICES PLATFORM, APPARATUS AND METHOD FOR INFORMING LAW ENFORCEMENT PERSONNEL PLACEMENT

HERE Global B.V., Eindho...

1. A location services platform comprising:a map database comprising map data that provides information regarding a plurality of road segments of a road network;
a processor configured to:
receive probe data associated with vehicles traversing the road network;
analyze the probe data in conjunction with map data from the map database in order to identify one or more traffic violations and respective locations at which the one or more traffic violations occur;
receive probe data associated with law enforcement personnel that identifies a location of the law enforcement personnel; and
correlate the respective locations at which the one or more traffic violations occur to the location of the law enforcement personnel;
a traffic violation database for storing information regarding that one or more traffic violations that were identified by the processor and the respective locations at which the one or more traffic violations occur; and
a law enforcement placement database for storing information regarding the location of the law enforcement personnel,
wherein the processor is further configured to determine, based upon information regarding traffic violation citations that have been issued by the law enforcement personnel, a relationship between the traffic violation citations that have been issued at a respective location and the one or more traffic violations that occur at the respective location in an instance in which the probe data associated with law enforcement personnel indicates that law enforcement personnel were present at the respective location.

US Pat. No. 10,460,409

SYSTEMS AND METHODS FOR AND DISPLAYING PATIENT DATA

AirStrip IP Holdings, LLC...

1. A computer-implemented method for providing a user of a mobile device access to patient information and patient physiological data, the method being executed using one or more processors and comprising:receiving, by the one or more processors, a first user input, the first user input indicating a user command to display a location screen;
determining, by the one or more processors, that the user command comprises a first request for a first patient data recorded by a first medical device and stored within a first patient record module of a first facility and a second request for a second patient data recorded by a second medical device and stored within a second patient record module of a second facility, the first patient data and the second patient data corresponding to a plurality of patients;
processing, by a data management system, the first request for the first patient data and the second request for the second patient data to enable retrieval of the first patient data and the second patient data from the first facility and the second facility, respectively by using a user-facility index that maps an identifier associated with the user the first facility and the second facility that the user is associated with as a healthcare provider, the data management system being configured to operate in a pass-through mode and a reposed mode to improve performance of retrieval of the first patient data and the second patient data;
transmitting, by the data management system, the first request to a first host module of the first facility, and the second request to a second host module of the second facility, the first host module and the second host module respectively orchestrating processing of the first request and the second request received from the data management system;
receiving, by the data management system, the first patient data and first graphical representations corresponding to the first facility from the first host module of the first facility and the second patient data and second graphical representations corresponding to the second facility from the second host module of the second facility;
transmitting, by the data management system to the mobile device, the first patient data, the second patient data, the first graphical representations and the second graphical representations;
displaying the location screen on the mobile device, the location screen comprising one or more display regions and one or more of the first graphical representations and the second graphical representations, each graphical representation depicting as a perspective schematic view at least a portion of a respective facility of one of the first facility and the second facility and comprising visual indicators locating one or more of the plurality of patients within the portion of the respective facility;
receiving, by the one or more processors, a second user input, the second user input indicating a selection of one of the plurality of patients within the portion of the facility; and
in response to the second user input, displaying on the mobile device a patient window that is specific to the one of the plurality of patients within the portion of the facility, the patient window displaying at least a portion of the patient physiological data that is updated in real-time and overlapping at least a portion of the perspective schematic view of the portion of the respective facility.

US Pat. No. 10,460,408

PRESENTATION OF CRITICAL PATIENT DATA

Mayo Foundation for Medic...

1. A computer-implemented patient information presentation method, comprising:identifying with a computer system, a plurality of groups of patient-related data that is a subset of possible groups of patient-related data that captures actual physical patient condition at the time of capture, to be displayed to a caregiver of a patient who is under care in a healthcare facility, the identifying based at least in part on a determined present physical condition of the patient, wherein the groups each represent multiple aspects about the patient;
extracting, with a data extractor of the computer system programmed to identify relevant data for the patient, a subset of parameters that represent values for particular ones of the multiple aspects in each of the plurality of identified groups, so as to form a particular subset of data about physical patient condition from a first set of data;
grouping, with the computer system, the subset of parameters into particular ones of the plurality of identified groups that each contain a plurality of parameters that represent physical patient condition, based on a determined relatedness among parameters in each of the plurality of groups, so as to form groups separate from a set of data from which the subset of parameters is extracted;
providing, with a real-time patient-monitoring application executing on the computer system, data in a form for visual display to the caregiver that shows at least some of the subset of parameters arranged visually in the groups, with values for the plurality of parameters organized according to the groups to which each of the plurality of parameters corresponds, with individual ones of the groups that are displayed being selected based on the current physical condition of the patient, and the displayed groups being displayed in physical layout position relative to each other as a result of the identifying based on the determined present physical condition;
receiving, in response to providing the data in the form for visual display in displayed groups input from a caregiver to order a procedure or change a therapy; and
in response to receiving the input, ordering the procedure or change in therapy through an integrated computerized physician order entry system,
wherein the extracting step selects parameters to be extracted based on a stored score that aggregates results from submitting to multiple caregivers questions regarding importance they placed on particular parameters in treating patients and receiving answers to the questions from the multiple caregivers.

US Pat. No. 10,460,407

SYSTEMS AND METHODS FOR PROVIDING COMMUNICATION SERVICES

1. A computer-aided communication system useful in making content accessible to users, the system comprising:an interpretation platform comprising memory coupled with at least one server, the at least one server connected to a network and comprising at least one application capable of interacting with data stored at least partially in the memory of the interpretation platform;
one or more workstations in communication with the network, each workstation located in any geographic location that has access to the network, configured to transmit recorded video content to the interpretation platform, and comprising a workstation user interface comprising at least a first portion and a second portion that are concurrently displayed, the first portion configured to record, edit and playback video content and the second portion for playing aural content; and
a learning management system configured to provide a networked environment for the delivery of course content to a second set of credentialed users, the learning management system comprising:
at least one learning management server,
one or more user interfaces through which the second set of credentialed users can access course content stored on one or more of the at least one learning management servers, and
a plurality of user devices in communication with the at least one learning management server, each user device capable of displaying at least one of the one or more user interfaces,
wherein a first interface of the one or more user interfaces comprises an interpretation request interface configured such that a requesting user of the second set of credentialed users can interact with the interpretation platform via a first user device of the plurality of user devices and submit a request for interpretation to the at least one server of the interpretation platform, the request associated with at least a portion of the course content and comprising prerecorded audible content to be interpreted into a non-audible language; and
wherein the interpretation platform is configured to:
receive, on the at least one server, the request for interpretation from the requesting user,
identify, by executing at least one of the at least one application of the server, a prescreened set of users of the first set of human users that satisfy a set of established criteria,
transmit the request for interpretation to the prescreened set of users over the network,
provide the prerecorded audible content to an accepting user of the prescreened set, the accepting user accessing the prerecorded audible content via the second portion of the workstation user interface,
receive, on the server, a converted response that comprises a recording prepared directly from the prerecorded audible content, the recording comprising video content showing the accepting user performing an interpretation of the prerecorded audible content into the non-audible language, and
provide the converted response to only the requesting user or to the second set of credentialed users through a second interface of the one or more user interfaces of the learning management system.

US Pat. No. 10,460,406

AUTOMATICALLY DETERMINING MARKET RENTAL RATES FOR PROPERTIES

Zillow, Inc., Seattle, W...

1. A method for estimating a market rental rate for a home located in a specific geographic area, comprising:retrieving data for the specific geographic area, the data comprising a plurality of entries each for a home located in the specific geographic area that was listed for rental after a specific date, each entry indicating (1) a rental listing price for the home, and, (2) values for each of a plurality of attributes including (a) rental attributes, (b) property attributes, and (c) an estimated home value attribute;
training, by a computer, a forest of classification trees to estimate a market rental rate for a home in the specific geographic area using the data retrieved for the specific geographic area;
receiving attributes of a plurality of homes in the specific geographic area;
periodically generating a market rental rate index for the specific geographic area at least in part by, for each home of the plurality of homes in the specific geographic area, applying the trained forest of classification trees to the received attributes of the home to determine a market rental rate for the home;
determining a market rental rate index for the specific geographic area using the market rental rates determined for each home of the plurality of homes in the specific geographic area; and
causing the determined market rental rate index for the specific geographic area to be provided to a user to enable the user to make a determination regarding a home in the specific geographic area.

US Pat. No. 10,460,405

SERVER AND METHOD FOR TIMELY ADJUSTING PRICE OF A PLAN VOUCHER

Rakuten, Inc., Tokyo (JP...

1. An information processing device comprising:at least one memory configured to store computer program code; and
at least one processor configured to access said at least one memory and operate as instructed by said computer program code, said computer program code including:
first registering code configured to cause at least one of said at least one processor to register a plurality of fare items each indicating at least a transportation fare in a first database in accordance with a registration request from a first terminal connected to the information processing device through a network, wherein the first terminal includes an airline terminal;
second registering code configured to cause at least one of said at least one processor to register a plurality of facility items each indicating at least a facility plan charge in a second database in accordance with a registration request from a second terminal connected to the information processing device through the network, wherein the second terminal includes a facility terminal;
obtaining code configured to cause at least one of said at least one processor to obtain sets of desired purchase conditions, each set indicating at least a budget specified by a user of a third terminal connected to the information processing device through the network, wherein the third terminal includes a user terminal;
detecting code configured to cause at least one of said at least one processor to detect a reduction in a transportation fare indicated by a first item included in a combination of the first item registered in the first database and a second item registered in the second database that satisfies none of the sets of desired purchase conditions obtained, wherein the plurality of fare items includes the first item, and the plurality of facility items includes the second item;
identification code configured to cause at least one of said at least one processor to identify at least one active user based on: i) a search by the at least one active user within a predetermined time of a current time, and ii) a number of the at least one active user is less than or equal to an upper threshold value; and
notification code configured to cause at least one of said at least one processor to automatically notify, via: i) an email sent to an email address, wherein the email address is stored in the second database in association with a facility identifier, or ii) a web page sent to the facility terminal, when a reduction in the transportation fare indicated by the first item is detected, information to prompt reduction in a charge indicated by the second item included in a combination that fails to satisfy any of the sets of desired purchase conditions, among combinations of the first item whose transportation fare has been reduced and the second item, to a provider of the second item, through the network, wherein the provider includes a facility operator, and wherein the information to prompt reduction in a charge is received by the facility operator in a timely manner to allow promotion of purchase of the combination by the at least one active user.

US Pat. No. 10,460,404

DEVICES AND METHODS FOR ENERGY BENCHMARKING OF BUILDINGS

Tata Consultancy Services...

1. A method for energy benchmarking of a building, the method comprising:determining an actual weather independent energy consumption value and an actual weather dependent energy consumption value for the building based on actual energy consumption data and building information, wherein the actual weather independent energy consumption value represents energy consumption by one or more devices present in the building operating independently of weather of an environment in the vicinity of the building, and wherein the actual weather dependent energy consumption value represents energy consumption by the one or more devices present in the building operating in correlation to the weather;
obtaining energy simulation information corresponding to the building from a data source, and wherein the energy simulation information comprises information indicative of building attributes including building shell, layout and thermal zoning, operational hours of the building, activities carried out in the building, type of interiors of the building, and energy load intensities of energy loads installed at multiple locations inside building premises;
generating an ideal weather independent energy consumption value and one or more ideal loads based on the obtained energy simulation information, building information, and total actual energy consumption of the building; and
determining a benchmarking score for the building using the actual weather independent energy consumption value, the actual weather dependent energy consumption value, the ideal weather independent energy consumption value, and the one or more ideal loads for managing energy consumption associated with the building, wherein the benchmarking score is used for determining efficiency of energy consumption of the building and wherein the benchmarking score is a two-dimensional tuple comprising a ratio based on the actual weather independent energy consumption value to the ideal weather independent energy consumption value and, a ratio based on the actual weather dependent energy consumption value to the ideal loads.

US Pat. No. 10,460,403

SYSTEM AND METHOD TO REDUCE HUMAN ACTIVITY DAMAGE-INDUCED POWER OUTAGE

International Business Ma...

1. A method for predicting and managing an occurrence of a power outage resulting from a human activity event, the method comprising the steps of:obtaining at least one notification indicative of a planned human activity event occurring within a prescribed period of time;
generating, using a data correction circuit, a corrected human activity notification as a function of said at least one notification indicative of the planned human activity event and data corresponding to at least one of power grid information, geographical information relating to a power grid and customers utilizing the power grid, power grid customer information, and historical information corresponding to prior power outages resulting from human activity events;
generating, using a first predictive modeling circuit, an outage probability as a function of the corrected human activity notification and trained predictive modeling data, the outage probability indicative of a likelihood of said power outage resulting from the planned human activity event;
generating, using a response optimization circuit, an optimization model indicative of an outage probability as a function of said outage probability; and
initiating at least one action for mitigating the occurrence of said power outage resulting from the planned human activity event as a function of said optimization model;
wherein generating said optimization model indicative of the outage probability comprises:
obtaining at least a subset of said data corresponding to said at least one of power grid information, geographical information relating to the power grid and customers utilizing the power grid, and power grid customer information;
clustering, using a first processing circuit, human activity events as a function of said obtained data;
estimating, using a second processing circuit, an impact of assigning supervisors to monitor at least a subset of the human activity events; and
generating, using a third processing circuit, the optimization model as a function of prescribed cost and operational constraints, said clustered human activity events, and an outage risk per human activity event.

US Pat. No. 10,460,402

LARGE SCALE MULTI-OBJECTIVE OPTIMIZATION

Microsoft Technology Lice...

1. A computer system, comprising:a processor;
a memory device holding an instruction set executable on the processor to cause the computer system to perform operations comprising:
for each respective member account in a plurality of member accounts of a social network service:
determining a probability, for each content item in a set of content items, of the respective member account performing a content item action on the content item, wherein each content item is an object displayable in a feed area of a graphical user interface, and wherein each content item action is a graphical user interface interaction, by a member associated with the respective member account, with the content item when the content item is displayed in the feed area of the graphical user interface;
identifying, according to the probability for each content item, a select content item from the set of content items based on determining display of the select content item will meet (i) a first target amount of actions received from the respective member account in response to display of the select content item to the respective member account and (ii) a second target amount of total actions received from at least a subset of the member accounts in response to display of a preferred content item in the set of content items to the subset of the member accounts; and
causing display of the select content item in a content slot in the respective member account's social network feed based on satisfaction of the first and second targets.

US Pat. No. 10,460,401

SYSTEMS, METHODS, AND APPARATUS FOR EVENT PLANNING

Facebook, Inc., Menlo Pa...

1. A computer-implemented method comprising:presenting, to a first user of a social network, a user interface for generating media content related to an event, the user interface comprising a plurality of selectable actions;
receiving, from the first user, a selection of an action of the plurality of selectable actions of the user interface;
receiving, from the first user using the user interface, first user media content associated with the selected action;
determining to include the first user media content in an event presentation;
generating the event presentation comprising the first user media content;
receiving, from the first user, a request to invite a second user of the social network;
presenting, to the second user, the user interface for generating second user media content related to the event, the user interface comprising the plurality of selectable actions;
receiving, from the second user, second user media content associated with a second selected action of the user interface;
determining to include the second user media content in an updated event presentation;
updating the event presentation based on the second user media content, wherein the updated event presentation comprises the first user media content and the second user media content; and
transmitting the updated event presentation to a recipient on a date of the event.

US Pat. No. 10,460,400

SYSTEMS AND METHODS FOR PROVIDING ANNIVERSARY INFORMATION

Facebook, Inc., Menlo Pa...

1. A computer-implemented method comprising:determining, by a computing system, one or more anniversary events associated with a first user, wherein,
the one or more anniversary events are events that took place on a social networking system,
the one or more anniversary events occurred on the social networking system on an anniversary date that has a month and a day that is identical to a current month and a current day, and
the one or more anniversary events comprise at least one of:
a friendship anniversary event indicating that the first user became a connection of a second user on the anniversary date in a previous year, or
a content post anniversary event indicating that the first user posted a content item to the social networking system on the anniversary date in a previous year;
filtering, by the computing system, the one or more anniversary events based on filtering criteria, wherein the filtering criteria comprise a negative event filter that removes anniversary events involving at least one of an ex-friend, an ex-significant other, or a deceased user; and
generating, by the computing system, an indication relating to one or more approved anniversary events, wherein the one or more approved anniversary events exclude anniversary events that have been filtered out based on the filtering criteria.

US Pat. No. 10,460,399

SOCIAL MEDIA ASSESMENT TOOL

WELLS FARGO BANK, N.A., ...

1. A system for controlling electronic structural connectedness to a networked computing system that comprises an element of an electronic social media property, comprising:a computer memory that contains an identification logic and an assessment logic, and a plurality of hardware processors,
wherein at least a subset of the plurality of hardware processors are changed, with execution of the computer memory, to being configured to:
prior to an initial use of the electronic social media property,
identify, through configuration by the identification logic, interactivity criteria of the electronic social media property including at least one feature, wherein the interactivity criteria is associated with access characteristics of the electronic social media property as an element of the networked computing system;
determine, through configuration by the assessment logic, that interactivity criteria satisfies a threshold value based, at least in part, on the at least one feature, wherein the threshold value is based at least in part on an availability of the element of the electronic social media property in the networked computing system, and at least in part on a potential of the social media property;
calculate, through configuration by the assessment logic, a score for the at least one feature from a predetermined category in response to the electronic social media property satisfying the threshold, wherein the score is calculated at least in part prior to use of the electronic social media; and
generate, through configuration by the assessment logic, a recommendation for an initial adoption or rejection of the electronic social media property based, at least in part, on the score;
wherein the system electronically structurally connects to the element of the electronic social media property of the networked computing system based on acceptance of the recommendation, else prevents electronically structural connection to the element of the electronic social media property of the networked computing system.

US Pat. No. 10,460,398

METHOD AND SYSTEM FOR CROWDSOURCING THE DETECTION OF USABILITY ISSUES IN A TAX RETURN PREPARATION SYSTEM

Intuit Inc., Mountain Vi...

1. A computing system implemented method for detecting usability issues in one or more user experience pages of a tax return preparation system, comprising:providing, with one or more computing systems, a tax return preparation system;
providing, with the tax return preparation system, tax return interview content data representing one or more user experience pages of a tax return preparation interview, to obtain user characteristics data from a user computing system for a user to enable the tax return preparation system to prepare a tax return for the user, the user characteristics data representing user characteristics of the user;
monitoring system access data representing one or more system access activities by the user within one or more of the user experience pages of the tax return preparation interview;
storing the user characteristics data and the system access data of the user in memory allocated for use by the tax return preparation system;
providing predictive model data representing one or more predictive models that are trained to determine a likelihood of a potential issue with one or more of the user experience pages of the tax return preparation interview, at least partially based on segmentation of users based on the user characteristics of users of the tax return preparation system;
applying one or more of the user characteristics data and the system access data to the predictive model data to transform one or more of the user characteristics data and the system access data into potential issue score data representing one or more potential issue scores that represent the likelihood of a potential issue in one or more of the user experience pages;
applying threshold data to the potential issue score data to determine if one or more of the potential issue scores exceed one or more thresholds represented by the threshold data;
if one or more of the potential issue scores exceed one or more of the thresholds, providing issue resolution content data to the user to receive user response data that characterizes the potential issue and that indicates whether the potential issue is a user question related to one or more of the user experience pages or a usability issue in one or more of the user experience pages;
if the user response data indicates that the potential issue is the user question, displaying similar user questions and responses to the similar user questions, to improve a user experience of the user in the tax return preparation system; and
if the user response data indicates that the potential issues is the usability issue, alerting one or more service provider support personnel of the potential issue, to facilitate designing around the usability issue to improve user experiences of subsequent users of the tax return preparation system.

US Pat. No. 10,460,397

TRANSACTION-HISTORY DRIVEN COUNTERFEIT FRAUD RISK MANAGEMENT SOLUTION

MASTERCARD INTERNATIONAL ...

1. A method comprising the steps of:gathering transaction data for a plurality of successful payment device transactions in a first environment;
filtering said transaction data to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist;
carrying out propensity modeling on said whitelist to identify a subset of said payment devices for which said offline authentication is not supported which are more likely than a remainder of said payment devices for which said offline authentication is not supported to be used at a specific merchant, to obtain a further-refined whitelist, said propensity modeling in turn comprising:
conducting a learning process with an artificial neural network analyzer; and
applying said artificial neural network analyzer which has undergone said learning process to said successful payment device transactions associated with said payment devices for which said offline authentication is not supported to identify said subset of said payment devices for which said offline authentication is not supported which are more likely than said remainder of said payment devices for which said offline authentication is not supported to be used at said specific merchant, to obtain said further-refined whitelist; and
making said further-refined whitelist available to a plurality of payment device readers in a second environment which does not support real-time online authorization, to permit inferring said offline authentication of said subset of said payment devices for which said offline authentication is not supported, in said second environment.

US Pat. No. 10,460,396

DATA PROCESSING FOR DATA REPLICATION SYSTEM

SAP SE, Walldorf (DE)

1. A non-transitory machine-readable medium storing a program executable by at least one processing unit of a computing device, the program comprising sets of instructions for:receiving from a first computing system an expense report comprising a set of expense entries, wherein each expense entry in the set of expense entries comprises a set of fields, wherein the set of expense entries of the expense report is generated by the first computing system based on data replicated from a second computing system to the first computing system;
determining, for each expense entry in the set of expense entries of the expense report, an entry use case from a plurality of entry use cases based on a plurality of use case entry definitions associated with the plurality of entry use cases, wherein each use case entry definition in the plurality of entry use case definitions specifies a value for a field, wherein the entry use case definition associated with the determined entry use case for each expense entry in the set of expense entries specifies a value for a field that is the same as the value for a corresponding field in the expense entry;
processing, for each expense entry in the set of expense entries of the expense report, the expense entry based on the determined entry use case; and
generating a document based on the processed set of expense entries of the expense report.

US Pat. No. 10,460,395

GRAPHICAL USER INTERFACE FOR TRACKING TRANSACTIONS

Square, Inc., San Franci...

15. A computer-implemented method comprising:receiving, at a server logically located between a merchant-acquirer server and a system of record server, a plurality of financial transactions;
storing, at the server, a transaction record in a database, wherein each transaction record comprises data for a respective financial transaction;
receiving, at a client application upon a selection of an interface element on a user interface, a request to view data for a plurality of the transaction records;
generating, by the server, one or more transaction summary messages, wherein the transaction summary messages are based on previous transaction data from the plurality of transaction records;
generating, by the server, instructions to display one or more transaction summary messages as a conversational view on the user interface of the client application; and
transmitting, by the server to the client application, the instructions so as to cause the conversational view to be displayed by the client application.

US Pat. No. 10,460,394

AUTONOMOUS OR PARTIALLY AUTONOMOUS MOTOR VEHICLES WITH AUTOMATED RISK-CONTROLLED SYSTEMS AND CORRESPONDING METHOD THEREOF

Swiss Reinsurance Company...

1. An automotive car system, comprising:a plurality of autonomous or partially autonomous driving motor vehicles, including:
exteroceptive sensors or measuring devices configured to sense environmental parameters, the environmental parameters including at least distances to objects, intensity of an ambient light, or sound amplitude;
proprioceptive sensors or measuring devices configured to sense operating parameters of the motor vehicles, the operating parameters including at least a motor speed, wheel load, heading, or battery status of the motor vehicles;
automotive control systems configured to identifying appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive and proprioceptive sensors or measuring devices; and
telematics devices with one or more wireless connections or wired connections between the automotive control systems and an external system, the telematics devices having a plurality of interlaces for connection with at least one of a vehicle's data transmission bus or a plurality of interfaces for connection with the exteroceptive and proprioceptive sensors or measuring devices;
a first risk-transfer system configured to provide a first risk-transfer based on first risk transfer parameters from at least some of the motor vehicles to the first risk-transfer system, the first risk-transfer system including a plurality of payment transfer modules configured to receive and store first payment parameters associated with risk-transfer of risk exposures of the motor vehicles for pooling of risks of the motor vehicles; and
a second risk-transfer system configured to provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, the second risk-transfer system including second payment transfer modules configured to receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems for pooling of risks of the first risk-transfer system,
wherein
the autonomous or partially autonomous driving motor vehicles or the automotive control systems are connected to a central, expert-system based circuit through the telematics devices, a data link between the central, expert-system based circuit and the motor vehicles being based on the wireless connections, the motor vehicles transmitting at least usage-based, user-based, or operational automotive data via the telematics devices to the central, expert-system based circuit, the usage-based, user-based, or operational automotive data being based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of the automotive control systems,
risk-related automotive data captured from the transmitted automotive data of the motor vehicles are processed by the central, expert-system based circuit, the first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the first risk-transfer system, and, in the case of triggering an occurrence of one of defined risk events associated with the transferred risk exposure of the motor vehicles, occurred loss being automatically covered by the first risk-transfer system based on the first risk transfer parameters and correlated first payment transfer parameters,
second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by the second risk-transfer system based on the second risk transfer parameters and correlated second payment transfer parameters, and
the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous driving motor vehicles and based on the pooled risks of the first risk-transfer systems.

US Pat. No. 10,460,393

CONVERTIBLY TRIGGERED INSURANCE SYSTEM WITH A LAYERED TRIGGER STRUCTURE AND CORRESPONDING METHOD THEREOF

SWISS REINSURANCE COMPANY...

17. An optimized method for a stable, automated system for sharing risks of occurring and measurable risk events of a variable number of defined risk exposure components with a mutually tuned trigger structure, the method comprising:capturing and transmitting loss parameters measuring a loss at risk exposure components to a first insurance system, in a case of an occurrence of one of defined risk events;
automatically covering an occurred loss by a first automated resource pooling system of the first insurance system based on equitable, mutually aligned second risk transfer parameters;
capturing and automatically aggregating captured loss parameters overall risk exposure components and all occurrences of risk events within a predefined time period by incrementing an associated stored aggregated loss parameter; and
triggering the aggregated loss parameter exceeding a defined stop loss threshold value, whereby the occurred loss exceeding the defined stop threshold value is automatically covered by a second automated resource pooling system of an automated second insurance system based on the equitable, mutually aligned second risk transfer parameters, and a second layer trigger structure of the system is automatically activated by a switching device of an intermediate layer trigger structure, wherein
when the second layer trigger structure is activated via the switching device by triggering loss parameters measuring the loss at the risk exposure components not to be transmitted to the system within the predefined time period and falling outside a retention threshold value of the first insurance system, the occurred loss exceeding said retention threshold value is automatically covered by the second automated resource pooling system of the automated second insurance system based on the equitable, mutually aligned second risk transfer parameters;
risk exposure components are connected to the first automated resource pooling system of the automated first insurance system of the system and transfer risk exposure associated with the occurrence of defined risk events from the risk exposure components to the first insurance system based on equitable, mutually aligned first risk transfer parameters and correlated aligned first payment transfer parameters; and
the first insurance system is connected to the second automated resource pooling system of the automated second insurance system of the system and transfers risk exposure associated with the occurrence of the defined risk events from the first insurance system to the second insurance system based on the equitable, mutually aligned second risk transfer parameters and correlated aligned second payment transfer parameters.

US Pat. No. 10,460,392

INSURANCE APPLICATION PROCESS PROVIDING BOUND ONLINE COVERAGE FOR LIFE INSURANCE PRODUCTS

STATE FARM MUTUAL AUTOMOT...

1. A computer-implemented method for generating a user interface for collecting customer information from a customer and binding insurance coverage to the customer, comprising:displaying, via a display of a client computing device, a web-based application including at least the following portions of a single screen: (i) an input portion including a plurality of interactive fields for receiving customer information and (ii) a summary portion including summary information regarding a life insurance policy;
receiving, by one or more processors, information entered via the input portion of the web-based application;
determining, by one or more processors, details associated with the life insurance policy for the customer based upon the information, wherein the details include a premium associated with the life insurance policy;
displaying, to the customer via the display of the client computing device, the premium associated with the life insurance policy in the summary portion of the web-based application;
determining, by one or more processors, whether the life insurance policy requires a medical underwriting procedure in accordance with a rule-based conditional analysis that analyzes responses to a series of knockout questions that are presented sequentially in the input portion of the web-based application in an adaptive manner based upon one or more of: (i) the customer information, (ii) a type of the life insurance policy, or (iii) the customer's answers to previously-presented knockout questions;
receiving, at one or more processors, user input entered sequentially, in response to each knockout question of the series of knockout questions presented in the input portion of the web-based application;
in response to the user input received in response to each knockout question, (i) dynamically adjusting, by one or more processors, the premium associated with the life insurance policy based upon the user input and (ii) displaying, to the customer via the display of the client computing device, the dynamically adjusted premium in the summary portion of the web-based application; and
displaying, at the summary portion of the web-based application, a notification of insurance coverage and corresponding instructions based upon whether the life insurance policy requires a medical underwriting procedure to facilitate providing life insurance to the customer, wherein the notification includes the premium as adjusted based upon the user input received in response to the series of knockout questions; and
providing, at the summary portion of the web-based application, a notification of binding insurance coverage based upon the user input received in response to the series of knockout questions.

US Pat. No. 10,460,391

HISTORICAL TRANSACTION-BASED ACCOUNT MONITORING

MX TECHNOLOGIES, INC., L...

1. An apparatus comprising:a display device;
a semiconductor integrated circuit device comprising:
one or more pins configured to receive, over a computer network, aggregated transaction data for a plurality of accounts, the transaction data comprising transaction data for a historical time period and transaction data for a current time period, the historical time period comprising at least one historical time frame that corresponds to a current time frame of the current time period;
one or more hardware circuits configured to determine one or more transactions of the historical transaction data that correspond to one or more transactions of the current transaction data, the determined transactions selected from a historical time frame of the historical time period that corresponds to the current time frame of the current time period;
one or more hardware circuits configured to normalize the determined transactions of the historical transaction data for the historical time frame such that the historical transaction data for the historical time frame is comparable to corresponding transaction data for the current time frame;
one or more hardware circuits configured to generate a graphical representation of the historical transaction data and a graphical representation of the current transaction data;
one or more hardware circuits configured to display the graphical representation of the historical transaction data and the graphical representation of the current transaction data within an interface on the display device, the graphical representation of the current transaction data overlaying the graphical representation of the historical transaction data such that one or more transactions of the current transaction data that occurred within the current time frame of the current time period graphically corresponds to one or more transactions of the historical transaction data for a corresponding historical time frame of the historical time period;
one or more hardware circuits configured to graphically display a line representing a threshold balance on the display of the graphical representation of the historical transaction data and the graphical representation of the current transaction data, the threshold balance determined according to a selected budget plan; and
one or more hardware circuits configured to one or more of:
send a notification to a user in response to an account balance satisfying the threshold balance; and
refuse processing of a payment from the account associated with the threshold balance in response to the payment decreasing an amount in the account beyond the threshold balance.

US Pat. No. 10,460,390

COMPUTING ARCHITECTURE FOR MANAGED-ACCOUNT TRANSACTIONS

Bank of America Corporati...

1. A method comprising:receiving, via a communication interface of a computing system comprising at least one processor and a memory, data indicating an allocation of investments prescribed by a first investment manager and an allocation of investments prescribed by a second investment manager;
generating, by the at least one processor and in accordance with the allocation of investments prescribed by the first investment manager, a first investment strategy;
generating, by the at least one processor and in accordance with the allocation of investments prescribed by the second investment manager, a second investment strategy; and
responsive to receiving, via the communication interface, a request to allocate funds of a client amongst the first investment strategy and the second investment strategy:
loading, by the at least one processor, a client object associated with the client and stored in the memory;
instantiating, by the at least one processor and in an account object associated with the client and stored in the memory, a sleeve object for the first investment strategy and a sleeve object for the second investment strategy, wherein the client object associated with the client and stored in the memory contains the account object associated with the client and stored in the memory;
for each asset of a plurality of assets prescribed by the first investment manager:
determining, by the at least one processor and based on a percentage to be invested in the asset indicated by the first investment strategy and a percentage of the funds allocated by the request to the first investment strategy, a number of units of the asset to be purchased for the client; and
instantiating, by the at least one processor, in the sleeve object for the first investment strategy, and for each unit of the units, an object representing the unit;
for each asset of a plurality of assets prescribed by the second investment manager:
determining, by the at least one processor and based on a percentage to be invested in the asset indicated by the second investment strategy and a percentage of the funds allocated by the request to the second investment strategy, a number of units of the asset to be purchased for the client; and
instantiating, by the at least one processor, in the sleeve object for the second investment strategy, and for each unit of the units, an object representing the unit;
for each asset of the plurality of assets prescribed by the first investment manager and each unit of the units:
generating, by the at least one processor, instructions to purchase the unit; and
communicating, via the communication interface and to one or more trading platforms, the instructions to purchase the unit, wherein communicating the instructions to purchase the unit to the one or more trading platforms causes the one or more trading platforms to purchase the unit;
for each asset of the plurality of assets prescribed by the second investment manager and each unit of the units:
generating, by the at least one processor, instructions to purchase the unit; and
communicating, via the communication interface and to the one or more trading platforms, the instructions to purchase the unit, wherein communicating the instructions to purchase the unit to the one or more trading platforms causes the one or more trading platforms to purchase the unit;
responsive to receiving, via the communication interface, from the one or more trading platforms, and for each asset of the plurality of assets prescribed by the first investment manager and each unit of the units, data indicating a price and time at which the unit was purchased:
instantiating, by the at least one processor and in the client object associated with the client and stored in the memory, an object comprising a variable for storing a basis for the unit; and
storing, by the at least one processor and in the object comprising the variable for storing the basis for the unit included in the client object associated with the client and stored in the memory, an indication of the price and time at which the unit was purchased and data associating the indication with the object representing the unit; and
responsive to receiving, via the communication interface, from the one or more trading platforms, and for each asset of the plurality of assets prescribed by the second investment manager and each unit of the units, data indicating a price and time at which the unit was purchased:
instantiating, by the at least one processor and in the client object associated with the client and stored in the memory, an object comprising a variable for storing a basis for the unit; and
storing, by the at least one processor and in the object comprising the variable for storing the basis for the unit included in the client object associated with the client and stored in the memory, an indication of the price and time at which the unit was purchased and data associating the indication with the object representing the unit.

US Pat. No. 10,460,389

SYSTEM AND METHOD FOR OPERATING A FAMILY OF MUTUAL FUNDS OR ETFS

1. A computer-based method of operating a plurality of funds comprising afirst fund and a second fund, comprising:
computing, by a programmed hardware computer processor coupled to a computer memory, a first weighted average maturity of the first fund;
comparing, by the programmed hardware computer processor coupled to the computer memory, the first weighted average maturity of the first fund computed, with a first range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund;
determining, by the programmed hardware computer processor coupled to the computer memory, whether the first weighted average maturity of the first fund computed is outside the first range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund;
if the first weighted average maturity of the first fund computed is outside the first range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund, identifying, by the programmed hardware computer processor coupled to the computer memory, a first set of at least one security that should be sold from the first fund, and a second set of at least one security that should be purchased for the first fund, so as to cause a second weighted average maturity of the first fund to fall within the first range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund;
computing, by the programmed hardware computer processor coupled to the computer memory, a first weighted average maturity of the second fund;
comparing, by the programmed hardware computer processor coupled to the computer memory, the first weighted average maturity of the second fund computed, with a second range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund;
determining, by the programmed hardware computer processor coupled to the computer memory, whether the first weighted average maturity of the second fund computed is outside the second range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund;
if the first weighted average maturity of the second fund computed is outside the second range of weighted average maturities advertised to purchasers of shares of the first fund and to purchasers of shares of the second fund, identifying, by the programmed hardware computer processor coupled to the computer memory, a third set of securities that should be sold from the second fund and a fourth set of securities that should be purchased for the second fund so as to cause a second weighted average maturity of the second fund to fall within the second range of weighted average maturities advertised to purchasers of the shares of the first fund and to purchasers of the shares of the second fund, the second range being different from the first range;
trading the first set of at least one security and second set of at least one security using the first fund; and
trading the third set of securities and fourth set of securities using the second fund.

US Pat. No. 10,460,388

SYSTEM AND METHOD FOR PROVIDING LATENCY PROTECTION FOR TRADING ORDERS

BGC PARTNERS, INC., New ...

1. An apparatus comprising:a memory operable to store an order associated with a first price;
a processor communicatively coupled to the memory and operable to:
identify a latency value;
receive a counterorder;
identify a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price;
determine that the latency value satisfies a configurable condition;
responsive to determining that the latency value satisfies a configurable condition, and responsive to identifying the potential trade, initiate a configurable period of time;
determine that the potential trade is not valid upon expiration of the configurable period; and
responsive to determining that the potential trade is not valid upon expiration of the configurable period, prevent the execution of the potential trade.

US Pat. No. 10,460,387

DYNAMIC INFORMATION CONFIGURATION AND DISPLAY

Trading Technologies Inte...

1. A method of displaying information to a user, the method comprising:receiving, by a trading device, market data from at least one electronic exchange, wherein the market data relates to a first tradeable object and a second tradeable object being traded at the at least one electronic exchange;
receiving the market data related to the first tradeable object by a first control application and responsively displaying the market data related to the first tradeable object in a first portion of a display unit of the trading device;
receiving the market data related to the second tradeable object by a second control application and responsively displaying the market data related to the second tradeable object in a second portion of the display unit of the trading device;
determining, by the trading device, that a user is in front of the display unit of the trading device;
determining, by the trading device, gaze position data for a user with a sensor of a tracking mechanism of the trading device, wherein the gaze position data represents the user's gaze with respect to the display unit;
determining, by the trading device, a user focus area with respect to the first portion of the display unit based on the gaze position data with a gaze control application of the trading device;
in response to determining the user focus area with respect to the first portion of the display unit, sending a request from the trading device to an electronic exchange of the at least one electronic exchange at which the second tradeable object is traded to discontinue delivery of updated market data related to the second tradeable object to the second control application such that the second control application does not receive and does not display the updated market data related to the second tradeable object; and
receiving updated market data related to the first tradeable object by the first control application and responsively displaying the updated market data related to the first tradeable object in the first portion of the display unit.

US Pat. No. 10,460,386

SYSTEM AND METHOD FOR FACILITATING A WIRELESS FINANCIAL TRANSACTION

CFPH, LLC, New York, NY ...

1. An apparatus, comprising:at least one processor;
a memory configured to store instructions which, when executed by the at least one processor, cause the at least one processor to:
receive, via a communications network, an identifier associated with a base station in communication with a device, wherein the base station is a component of the communications network;
identify a geographic area associated with the identifier in a database;
determine whether the geographic area associated with the identifier is within a restricted area or within an allowed area;
in response to determining that the geographic area associated with the identifier is within the restricted area, prevent the device from receiving real-time trading data and permit limited types of trades when the device is within the restricted are;
in response to determining that the geographic area associated with the identifier is within the allowed area, permit the device to access real-time trading data and to execute all available types of trades when the device is within the allowed area;
receive, from the device, a request to engage in a given trade; and
in response to receiving the request to engage in the given trade:
execute the given trade if a type of the given trade is permitted in a current location of the device; and
decline the given trade if a type of the given trade is not permitted in a current location of the device.

US Pat. No. 10,460,385

COMMUNICATING PROPERTY DATA

Bank of America Corporati...

1. A system for communicating property data, comprising:one or more interfaces operable to receive at a centralized repository:
lien data from a first resource, the lien data including:
an identification of a lien on a property;
an identification of a category of lien;
an identifier of a property;
an identification of the holder of the lien,
a balance of debt associated with the lien; and
a repayment schedule for the balance of debt associated with the lien;
wherein the first resource is as least one of a commercial bank, a savings and loan association, a credit union, an Internet bank, a mutual fund company, a brokerage firm, or a credit card company; and
lien authenticating data from a second resource, the lien authenticating data including one or more from the set comprising:
an agreement memorializing the lien;
a property title memorializing the lien; and
a government record memorializing the lien;
wherein the second resource is independent from the first resource and is at least one of a tax records database, a property records database, or a real estate database;
one or more memories coupled communicatively to the one or more interfaces, the one or more memories operable to store at the centralized repository the received lien data from the first resource and the received lien authentication data from the second resource;
one or more processors communicatively coupled to the one or more memories, the one or more processors operable to:
determine, based on the received lien authentication data from the second resource, that the received lien data is valid; and
determine, based on the received lien data from the first resource, that the received balance of debt associated with the lien needs to be updated;
wherein the determination that the received balance of the debt associated with the lien needs to be updated is based on at least:
the repayment schedule for the balance of the debt associated with the lien; or
the receipt of a property payment request from the holder of the lien; and
the one or more interfaces further operable to:
display an indication that the received balance of debt associated with the lien needs to be updated;
communicate a request to the holder of the lien to submit updated lien information;
receive updated lien data from the holder of the lien, wherein the updated lien data comprises a payment related to a property; and
display the updated lien data;
the one or more memories further operable to store the updated lien data; and
the one or more processors further operable to:
allocate a payment for the property between a property owner and the holder of the lien; and
disburse the payment for the property between the property owner and the holder of the lien.

US Pat. No. 10,460,384

AUTOMATED RISK MONITORING METHOD AND SYSTEM

SWISS REINSURANCE COMPANY...

1. An automated monitoring and signaling device for automated adaption and real-time adjustment of monitored portfolios of entities based on automatically determined recovery rate factors and entity-specific MonteCarlo parameters comprising:processing circuitry configured to, for each entity of a plurality of entities of a portfolio
extract one or more asset parameters of the entity, wherein entity-specific data, including control data of externally accessible entity data and of internally accessible entity data, is updated and transferred in real-time to the monitoring device via a communication network, the control data including one or more of a time since foundation of the entity, a number of employees of the entity, and a balance sheet of the entity, and wherein the one or more asset parameters of the entity are extracted from the control data for the entities concerned by the processing circuitry,
determine stochastically and store, a corresponding entity-specific asset distribution by stochastically evaluating the one or more asset parameters,
determine and standardize by a standardization factor of the processing circuitry a recovery rate factor in an event the entity defaults based on a particular entity-specific asset distribution, the recovery rate factor indicating an expected percentage share of a loan that will be recovered from the entity in an event of default on the loan by the entity,
determine and store an associated threshold value based on the particular entity-specific asset distribution, wherein the associated threshold value corresponds, in each case, to an expected value of one or more asset parameters, wherein default by the entity occurs when an asset parameter of the entity falls below the threshold value time-dependently varying default probability and recovery rate stochastically whereby the occurring defaults follow a stochastic intensity process depending on timing, and probability comprises a probability for unforeseeable default occurrings, and wherein the recovery rate depends on a probability of default that is negatively correlated with the recovery rate, such that the recovery rate is decreased in response to a detected failure rate being above a predetermined threshold,
perform a MonteCarlo simulation to identify one or more entities in the portfolio that have recovery rates above a predetermined probability threshold, wherein MonteCarlo parameters are generated for each entity to determine entities in which a corresponding recovery rate factor can be expected, and wherein based on the determined recovery rate factors and the threshold value chosen in each case a particular positive or particular negative risk influence of each entity on the portfolio is determined, and
adjust directly, and dynamically in real-time, the portfolio based on the recovery rates and the threshold values for the one or more entities identified in the MonteCarlo simulation based on specified recovery rate factors and the MonteCarlo parameters by using receiver devices to transmit access-controlled portfolio management data via a physical interface to a connected transaction server for automated real-time adjustment of the monitored portfolios of entities, wherein the receiver devices comprise configurable filter facilities and simultaneously receive more than one DB channel, wherein the processing circuitry is further configured to
identify and store, in a database, expected recovery rates that are determined to be a minimum value of the recovery rate expected by the MonteCarlo simulation,
output, via a network interface of the device, the minimum value of the recovery rate to remote user devices, wherein
the one or more asset parameters are extracted from control data used to assess a credit risk of the entity, and the processing circuitry is further configured to:
update the control data at regular intervals, and
repeat performance of the MonteCarlo simulation and adjustment of the portfolio based on the updated control data.

US Pat. No. 10,460,383

SYSTEM FOR TRANSMISSION AND USE OF AGGREGATED METRICS INDICATIVE OF FUTURE CUSTOMER CIRCUMSTANCES

BANK OF AMERICA CORPORATI...

1. An entity system for transmission and use of aggregated metrics, the entity system comprising:a network communication interface;
a memory device storing an anomaly utilization application and a resource application;
a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to:
present a user profile on an application, wherein the user profile includes user accounts, assets, transactions, and financial events, wherein the financial events comprise a gain, loss, or exchange of assets;
identify occurring financial activities and transaction history of the user and store the activities and transaction history in the user profile as historic financial practice data;
identify existence of an anomalous situation for the user, wherein the anomalous situation is a financial event outside of the historic financial practice data of the user;
acquire aggregated data from third parties about the anomalous situation, wherein the aggregated data further comprise metrics indicating a geographical location change of the user, wherein metrics comprise inputs from third parties comprising a cost of living of the geographic location change and aggregated financial practices of individuals residing in the geographic location; and
display the anomalous situation for the user into the user profile on a display of a user device.

US Pat. No. 10,460,382

FRAUD REDUCTION SYSTEM FOR TRANSACTIONS

Visa International Servic...

1. A computer-implemented method, comprising:in response to a request, from a merchant computer, to perform a fraud assessment process for a payment account that is being used to conduct a payment transaction prior to initiation of authorization processing for the payment transaction:
receiving, by an access control server and from a risk management engine, an early warning message for the payment transaction in an authentication request message prior to generation of an authorization request message by the access control server, wherein the risk management engine generates the early warning message based at least in part on the fraud assessment using rules generated from authentication history data, the authentication history data comprising an archive of authentication operations performed or attempted using an authentication protocol that requires a user to provide an authentication credential prior to the authorization processing; and
transmitting, by the access control server to the merchant computer associated with the payment transaction, a decline message for the authentication request message based at least in part on the early warning message.

US Pat. No. 10,460,381

SYSTEMS AND METHODS FOR OBTAINING AN IMAGE OF A CHECK TO BE DEPOSITED

United Services Automobil...

1. A negotiable instrument processing system comprising:a memory; and
a processor in communication with the memory and configured to:
communicate, via a network, with a depositor-controlled computing device;
send, via the network, instructions to the depositor-controlled computing device, the instructions configured for execution on the depositor-controlled computing device, the instructions further configured, upon execution to:
request data listed on a negotiable instrument;
receive depositor input indicative of the data listed on the negotiable instrument;
set at least one parameter on a hardware image capture device of the depositor-controlled computing device in order to generate an image of the negotiable instrument;
receive depositor input indicative of authorizing activation of the image capture device;
in response to receiving the depositor input indicative of authorizing activation of the image capture device, command the image capture device to obtain an image of the negotiable instrument using the image capture device set at the at least one parameter; and
send the image of the negotiable instrument and the depositor input indicative of the data listed on the negotiable instrument for analysis of the image of the negotiable instrument in order to verify that the input indicative of the data listed on the negotiable instrument matches the data listed on the negotiable instrument in the image,
wherein the instructions, upon execution by the depositor-controlled computing device, causes the setting of the at least one parameter on the image capture device to enable, upon activation of the image capture device, the image capture device to capture the image with the setting of the at least one parameter.

US Pat. No. 10,460,380

WEIGH SCALE CERTIFICATION SYSTEM AND ASSOCIATED METHOD

CAT Scale Company, Walco...

1. An improved method of weighing a vehicle, the method comprising:driving a vehicle having at least two axles onto at least two weight scales, each weight scale having a scale platform and receiving at least one axle of the vehicle, the scale platforms each having a separate communications device; wherein driving the vehicle onto the scale platforms results in at least one axle resting on each scale platform;
communicating from the communications devices of the scale platforms that the at least one axle of the vehicle are on the scale platform;
providing notification whether the vehicle is being weighed or reweighed, whereby in response to the vehicle being reweighed, the vehicle is eligible for a discounted cost of the weighing;
communicating from the communications devices the vehicle identifying information to place a weighment request;
communicating from the communications device to a communications device on each weight scale to authorize the weighment request,
determining a weighment of the vehicle by the communications devices from weight of the vehicle located on the scale platforms; and
providing notification of the weighment through a communications device once the determining step is complete;
the improvement comprising:
obtaining GPS coordinates of the vehicle through an application on a wireless device;
correlating through the application the GPS coordinates of the vehicle with weight scale locations stored in a memory of the wireless device, whereby the wireless device displays the weight scale location associated with the GPS coordinates;
determining through stored information in the wireless device whether the vehicle is eligible for a discounted weighment, in which case if it is the wireless device automatically populates vehicle identifying information into the application, and in which case if it is not vehicle identifying information is inputted into the application;
communicating vehicle identifying information from the application to the weight scale to place a weighment request;
communicating from the communications devices of the scale platforms that a vehicle on the weight scale needs to be verified for proper placement on the scale platform of each of the at least two weight scales, wherein verification of proper placement on the scale platforms is entered into the weight scale;
replying from the communications devices of the weight scale to a scales server containing a weighment type and providing appropriate weighment fee;
relaying the appropriate weighment fee from the scales server containing a weighment type to the wireless device, whereby a user accepts or rejects the weighment fee on the application;
sending an authorization request from the wireless device to the scales server once the weighment fee has been accepted, whereby the scale server then relays, through a communications network, the authorization request to a credit authorization server to process payment of the weighment fee using payment data provided to the application;
relaying weighment data from the application to a web server once the authorization request is accepted, whereby the scale server then forwards the weighment data to the weight scale; and
relaying weighment data from the weight scale to the web server, whereby a host server stores and archives the weighment data and relays the weighment data to the application for display on the wireless device.

US Pat. No. 10,460,379

FINANCIAL MANAGEMENT SYSTEM AND METHOD WITH CUSTOMIZABLE USER INTERFACE

Wells Fargo Bank, N.A., ...

1. A computer-implemented data processing system comprising:a data storage device; and
a processor and program logic stored in memory and executable by the processor, the program logic including
account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and
interface logic coupled to the account management logic and the data storage device, the interface logic configured to:
connect the data processing system to computing systems associated with the plurality of users via the Internet;
provide the plurality of users with web access to an on-line banking area of a website of a financial institution;
establish a connection with one of the plurality of users;
identify a plurality of viewable display areas based on a plurality of factors, the plurality of factors including at least one of the types of accounts the user has open, the types of planning services the user is currently utilizing, an age of the user, and a debt of the user;
provide a customized user interface including the plurality of viewable display areas, the plurality of viewable display areas including a savings planning display area, a graphical spending summary display area, and a textual spending summary display area provided on a single page display, wherein each of the plurality of display areas has substantially the same peripheral size and shape on the customized user interface;
direct the user to additional information regarding at least one of the savings planning display area, the graphical spending summary display area, or the textual spending summary display area based on a second user input indicating a user selection of one of the plurality of display areas;
automatically arrange the relative positions of the plurality of viewable display areas on the single page display based on criteria associated with the user, the criteria associated with the user regarding at least one of the plurality of factors, account activity of the user, saving habits of the user and spending habits of the user;
rearrange the relative positions of the plurality of viewable display areas of the customized user interface, including the savings plan display area, the graphical spending display area, and the textual spending display area, based on the user selecting and moving selected ones of the plurality of viewable display areas in a drag and drop fashion.

US Pat. No. 10,460,378

PAYMENT CARD POLICY ENFORCEMENT

ONDOT SYSTEMS, INC., Mil...

1. A computer-implemented method, in a card server device on a data communication network, for real-time verification by correlating transaction location reported within an authorization message requesting authorization of the transaction from an acquirer system over a first data path of the data communication network, to a mobile device location determined directly from the mobile device over a second data path distinct from the first data path, the method including steps of:periodically updating location information of the mobile device received, at a network communication interface of the card server, over a second data path of the data communication network from the card server device to the mobile device;
receiving, at the network communication interface of the card server, the transaction location from within the authorization message by intercepting the authorization request message from the first data path, prior to authorization, as it is transmitted to an authorization processing server device within the acquirer system;
accessing, from a memory associated with the card server device, a set of transaction policy rules;
applying, by a processor of the card server device, the set of transaction policy rules determining approval or denial of the card authorization request message comprising:
recommending, in real-time, approval of the card authorization request for a cardholder associated with the transaction by correlating a transaction location with a latest location update for the mobile device associated with the cardholder, and
recommending, in real-time, denial of the card authorization request for the cardholder associated with the transaction by failing to correlate the transaction location with the latest location update for the mobile device location associated with the cardholder,
wherein the acquirer system incorporates the recommendation of the card server to make a final decision on authorization and transmits a modified version of a response to the card authorization request message to back to the transaction location.

US Pat. No. 10,460,377

SYSTEM AND METHOD FOR PRESENTING SUSPECT ACTIVITY WITHIN A TIMELINE

FIS FINANCIAL COMPLIANCE ...

1. A computer system for fraud detection, the system comprising:a processor;
a presentation engine;
an analytics engine;
a memory:
storing data describing:
activity data of a suspect activity, the suspect activity being associated with an account; and
account data of at least one balance metric for the account, the account data including at least two of:
a ledger balance representing an amount of money reported to a customer of the account,
an available balance representing an accessible amount of money, and
a collected balance representing an amount of money collected by a financial institution; and
storing executable instructions that when executed by the processor cause the presentation engine and the analytics engine to perform operations comprising:
receiving, via the analytics engine, an indication of a suspect activity;
displaying, via the presentation engine, a representation of the suspect activity on a graphical user interface, based on the indication of the suspect activity;
displaying, via the presentation engine, a representation of differences on the graphical user interface, the representation comprising differences between at least two of a ledger balance, an available balance, and a collected balance;
determining, by the analytics engine, local minimums of the representation of differences;
displaying, via the presentation engine, a lower concave hull between the local minimums of the representation of differences on the graphical user interface;
determining, by the analytics engine, a set of user interface components associated with at least one reason code, wherein the reason code is indicative of the suspect activity;
selecting, by the analytics engine, based on the at least one reason code, one of the representations of the suspect activity, the representation of the differences, or the representation of a timeline;
selecting, by the analytics engine, a period of time based on the at least one reason code associated with the suspect activity and indicative of at least one basis for classifying the activity as suspect;
determining, by the analytics engine, a priority order of the representation of the suspect activity, the representation of the differences, and the representation of the timeline to reflect the selection;
displaying, via the presentation engine, based on the priority order, a representation of the timeline on the graphical user interface, the timeline comprising an indication of activity during the period of time identified as potentially fraudulent; and
emphasizing a subset of data displayed on the graphical user interface, based on one or more determinations for an improved end-user workflow.

US Pat. No. 10,460,376

SYSTEM AND METHOD FOR DATA MANAGEMENT AND FINANCIAL BUDGETING

WELLS FARGO BANK, N.A., ...

1. A data management system comprising:a storage device provided by a financial institution and comprising a financial management database configured to store financial data for a plurality of financial transactions, the financial data for the plurality of financial transactions being associated with a plurality of different accounts held by a user at the financial institution, each of the plurality of financial transactions being associated with one of a plurality of transaction categories; and
a financial management server provided by the financial institution and coupled to the storage device and configured to provide users with access to an on-line banking area of a website of the financial institution, the financial management server further configured to:
retrieve user information from the financial management database including data access preferences and communication preferences for the user;
receive a request from the user to display aggregate information for the user;
determine that the plurality of different accounts for the user are eligible for real-time processing by the financial management server based on the user information retrieved from the financial management database;
process the plurality of financial transactions in connection with the plurality of different accounts for the user;
select a plurality of selectable links to be displayed to the user, the plurality of links being custom-selected for the user by the financial management server based on a type of financial account for one of the plurality of accounts held by the user at the financial institution, the type of financial account being a payment account, including at least one of a checking account, a credit card account, and a check card account, the plurality of selectable links enabling the user to request generation of a budget; and
provide, via a display device of the user, a display of the plurality of selectable links;
receive, via the display device, a request from the user to generate a budget for the user, the budget including budget cash flow amounts for the plurality of transaction categories;
determine an average cash flow amount for each of the plurality of transaction categories, the average cash flow amount for each of the transaction categories being based on the financial data for financial transactions associated with the transaction category and stored in the storage device provided by the financial institution;
generate the budget report including the budget cash flow amount for each of the plurality of transaction categories, the budget cash flow amount for each transaction category being determined based on the average cash flow amount for the transaction category;
provide, via the display device, the budget report to the user via the on-line banking area of the website of the financial institution; and
receive, via the display device, a user input modifying one of the budget cash flow amounts and update the budget report based on the user input;
wherein the budget report is generated with the average cash flow amounts for the transaction categories and provided to the user, on the display device of the user, automatically in response to receiving the request from the user to generate the budget, such that no further budget criteria inputs are received from the user after receiving the request and prior to providing the user with the budget report; and
wherein the budget report identifies each of the plurality of transaction categories, and adjacent each of the transaction categories, further includes:
a bar chart of a historical cash flow amount;
a bar chart of a budget cash flow amount; and
a bar chart of a comparison of the budget cash flow amount relative to a current cash flow amount for the transaction category.

US Pat. No. 10,460,375

DEVICE AND METHOD FOR IMPLEMENTING A VEHICLE SHARING REWARD PROGRAM

INTERNATIONAL BUSINESS MA...

1. A computer-implemented method, comprising:providing, by a server operably coupled to a processor and communicatively coupled to a kiosk and a vehicle sharing station that stores shared vehicles, a prescribed travel distance for a user of the vehicle sharing station, wherein the providing is to the kiosk;
receiving, by the server, from the kiosk, at least one selected destination from the user;
providing, by the server, to the kiosk, a selectable travel plan satisfying the prescribed travel distance and the at least one selected destination for travel by the user on a shared vehicle of the shared vehicles, wherein the selectable travel plan comprises at least two kiosks that the user must check into and an associated travel distance;
and evaluating, by the server, from at least one of the at least two kiosks, information uploaded by the user via a global positioning device communicatively coupled to the at least one kiosk and that recorded a path traveled by the user on the shared vehicle;
upon the server receiving notification, from the at least two kiosks, that the user has checked into the at least two kiosks, providing, by the server, a credit to a rental cost, wherein the credit is based on cost-sharing between two parties other than the user, wherein the credit to the rental cost is comprised of:
a first credit based on first payment from a first party of the two parties towards a first cost, wherein the first cost is accumulated based on a first duration of time that the shared vehicle obtained at the vehicle sharing station is in motion by the user and based on the user satisfying the prescribed travel distance and;
a second credit based on second payment from a second party of the two parties towards a second cost, wherein the second cost is accumulated based on a second duration of time that the shared vehicle is at rest at the at least one selected destination, wherein the first party comprises a service provider and the second party comprises an owner of the at least one selected destination, and wherein the server processes geographical coordinates indicative of a location of the shared vehicle and generated by the GPS device to determine whether the user satisfied the prescribed travel distance, wherein the server, the kiosk, the at least two kiosks, vehicle sharing station work together to provide a program that allows users to exercise and travel from place to place while having reduced or no cost to use the shared vehicle.

US Pat. No. 10,460,374

CAPTURING AND EXTRACTING FRAGMENTED DATA AND DATA PROCESSING USING MACHINE LEARNING

Bank of America Corporati...

1. A method comprising:generating a display for receiving fragmented data associated with a user, the generated display including an option to upload data;
sending, to a user device associated with the user, the display for receiving fragmented data and including the option to upload data;
receiving, by a computing device, from the user device, and via the display for receiving fragmented data, first fragmented data associated with the user and a user selection of a data type for the first fragmented data;
extracting, by the computing device, a plurality of data entries from the first fragmented data, the plurality of data entries being identified for extraction based on metadata in the first fragmented data;
sending, to the user device, a request for data associated with a first data entry of the plurality of data entries;
determining, by the computing device and using machine learning, a data category for each data entry of the plurality of data entries; and
based on the determined data category for each data entry of the plurality of data entries, determining one or more of a number of entries in each data category or an amount associated with each data category.

US Pat. No. 10,460,373

RECOMMENDATION METHOD AND APPARATUS

ALIBABA GROUP HOLDING LIM...

1. A method for recommending potential users to a network service provider, the method comprising:identifying, by a processor, at least one core user of a network service provider and a set of users similar to the core user and associated with one or more network-related behaviors with respect to a first predetermined association item, the network-related behaviors comprising monitored interactions with a network service;
sampling, by the processor, the set of users to identify a set of sample users;
calculating, by the processor, a similarity between the sample users to identify a list of similar users; and
sending, by the processor, a recommendation of potential users to a network service provider, the recommendation of potential users based on the list of similar users and the at least one core user of a network service provider.

US Pat. No. 10,460,372

METHOD AND APPARATUS OF CREATING ELECTRONIC FORMS TO INCLUDE INTERNET LIST DATA

OPEN INVENTION NETWORK LL...

1. A method, comprising:querying, via a server executing a form creating application, information provided by at least one network based on a search term;
receiving at least one web page including at least one data table as a result of the query;
automatically extracting, by the form creating application, the at least one data table from the at least one web page as a result of the query;
automatically recognizing different columns of content in the at least one data table;
automatically displaying contents of the different columns recognized in the at least one data table within the form creating application, the contents of the different columns displayed separately from the at least one web page;
automatically generating and displaying selectable icons for corresponding ones of the different columns recognized in the at least one data table; and
when one or more of the selectable icons are selected, then via the form creating application creating one or more corresponding form fields in the electronic form and populating the one or more form fields as corresponding drop down lists containing the contents of the one or more columns that correspond to selected ones of the one or more selectable icons.

US Pat. No. 10,460,371

DURABLE MEMENTO METHOD

DURAGIFT, LLC, Windham, ...

1. A durable memento method comprising:obtaining a code that is human-readable or machine-readable from a memento,
wherein said code is associated with data stored remote to said memento and wherein said data is not directly associated with a value of the memento, and
wherein said code provides a one to one mapping between said data and one memento, and wherein said data is provided by a person who gives the memento or a person who receives the memento or both;
storing and retrieving memento related information for each of a plurality of disparate mementos from a plurality of disparate manufacturers to and from data storage remote to said memento comprising a single domain name, wherein said plurality of disparate mementos are associated with a plurality of persons, wherein said data storage comprises:
the code that is obtained from the memento;
memento metadata that identifies said memento;
giver data corresponding to said person that gives the memento;
receiver data corresponding to said person that receives the memento;
the data associated with said code that is human-readable or machine-readable in said one to one mapping between said code and said one memento,
wherein said data includes at least pictures, movies or sound or any combination thereof that is
indirectly associated with the memento via said code, and
directly associated with
 said person who gives the memento, or
 a place where the memento was given, or
 an event where the memento was received, or any combination thereof,
and;
wherein the data storage is coupled to
a computer and
a communications network; and,
providing said single domain name to said computer in human-readable form to said plurality of persons at least who receive said each of said plurality of said disparate mementos from said plurality of disparate manufacturers;
accepting by said computer,
said data comprising at least said pictures, said movies or said sound or any combination thereof,
said memento metadata and
said giver data for said each of said plurality of disparate mementos from said plurality of disparate manufacturers associated with said receiver data;
retrieving said data by said computer, comprising at least said pictures, said movies or said sound or any combination thereof, said memento metadata and said giver data for said each of said plurality of disparate mementos from said plurality of disparate manufacturers associated with said receiver data; and,
providing said data comprising at least said pictures, said movies or said sound or any combination thereof, said memento metadata and said giver data associated with said receiver data to an authorized user comprising said person who receives said plurality of said disparate mementos from said plurality of disparate manufacturers wherein when the data is in an obsolete format, translating the obsolete format into an up-to-date current format in order to enable access to said data.

US Pat. No. 10,460,370

PROXY AGENT INTERFACE TO PEER-TO-PEER TRANSACTIONS

ELECTRONIC ARTS INC., Re...

1. A computer-implemented method, comprising:initiating a connection to an application programming interface (API) of an online transaction repository accessible to a plurality of participant devices in a computer-operated multiplayer interactive environment, the online transaction repository including a collection of items associated with the computer-operated multiplayer interactive environment, the connection being initiated by a proxy agent including a plurality of shards;
associating a first shard of the plurality of shards to a peer-to-peer transaction channel to the online transaction repository, at least two of the plurality of participant devices interacting with one another over the peer-to-peer transaction channel;
determining a first item from the collection of items having a transactional history that does not exceed a threshold number of transactions, the first item being associated with a first item listing accessible exclusive to the first shard;
providing the first item to the peer-to-peer transaction channel via the first shard;
determining that a trigger event associated with the first item occurred on the peer-to-peer transaction channel;
obtaining value data associated with the trigger event from the peer-to-peer transaction channel;
generating a weighted distribution of the obtained value data;
determining a base value for the first item from the weighted distribution; and
applying the base value to a second item of a same type as that of the first item for an electronic acquisition transaction with the online transaction repository by the proxy agent, the second item being associated with a second item listing accessible exclusive to a second shard of the plurality of shards.

US Pat. No. 10,460,369

AUTO REPAIR QUOTE PLATFORM

1. A method for providing auto repair quotes, comprising:storing, on a server, a platform of providers with firm quotes, the platform of providers with firm quotes comprising a plurality of service provider profiles, each of the plurality of service provider profiles being associated with one of a plurality of automotive service providers, each of the plurality of service provider profiles comprising service provider geographic information, a service provided by the automotive service provider, and quote information provided by the automotive service provider and corresponding to that particular service, wherein each stored service is selected from a set of predefined services, wherein the quote information is individual to each automotive service provider, wherein each stored service is associated with a particular make, model, and year of automobile, wherein a service request from a customer comprises automobile information, and wherein each of the plurality of service provider profiles is configured to be accessed and edited directly through a shop owner section by the automotive service provider with which it is associated,
displaying, on a user interface, a set of predefined services, each of the set of predefined services being selectable to directly generate a repair request form;
receiving, by the server and from the user interface, a service request from a customer identifying a service selected from the set of predefined services, and further comprising customer geographic information;
maintaining, by the server, an aggregator database of updated available service provider appointment data that is associated with and individual to each automotive service provider, wherein maintaining the database comprises:
receiving, by the server, scheduling information for an automotive service provider,
storing, by the server, in the aggregator database, the received automotive service provider scheduling information, and associating the received automotive service provider scheduling information with an automotive service provider,
receiving, by the server, new automotive service provider scheduling information indicating a booked appointment, and
updating, by the server, the available service provider appointment data in the aggregator database;
processing, by the server, the service request, for each automotive service provider having the identified service stored in the aggregator database, wherein processing comprises:
generating, from the stored automotive service provider scheduling information, a plurality of individual start times,
determining if there is quote information corresponding to the identified service and the selected automotive service provider, and if so retrieving said quote information;
dynamically displaying, to the customer, a limited list of data comprising a plurality of services offered by a plurality of automotive service providers, and automatically populating the limited list of data based on a selection of services provided in the automotive service provider profile of each of the plurality of automotive service providers and based on retrieved quote information;
booking a service appointment at the customer-selected automotive service provider at a customer-selected start time and for the identified service request, wherein booking comprises:
receiving, by the server and from a user interface, a customer address for an electronic communication, wherein the customer address is withheld prior to the booking step;
sending, via the server, an electronic communication providing information on the appointment, and
updating the available service provider appointment data in the aggregator database by modifying at least one unfilled timeslot to a filled timeslot indicating the booked appointment.

US Pat. No. 10,460,368

SYSTEM FOR PRESENTING AND UPDATING A CONTEXTUAL VISUALIZATION OF MULTIPLE PRODUCTS INSTALLED IN AN INSTALLATION LOCATION FOR MULTIPLE USERS

Pella Corporation, Pella...

1. A system for facilitating a dynamic home-improvement shopping experience, the system comprising:a portable device comprising:
an imaging device configured to capture a digital image of a scene, wherein the scene comprises a portion of a structure that includes an installation location for installation of a home-improvement product; and
a processor that instantiates at least one component stored in a memory, the at least one component comprising a visualizer, wherein the visualizer is configured to receive the digital image of the scene from the imaging device; and
a server communicably coupled to the portable device, the server configured to:
obtain a list of currently available products from a quoting database, the quoting database comprising the list of currently available products, a list of currently available product features, and at least one current price corresponding to each of the currently available products, wherein the currently available products comprise products that are available for purchase as of the time that the server obtains the list of currently available products from the quoting database;
provide, to the visualizer, the list of currently available products, wherein the visualizer provides a first graphical user interface (GUI) that presents the list of currently available products to a first user;
receive, from the visualizer, an indication of a first selected product, wherein the first selected product comprises a first product selected, via the first GUI, by the first user from the list of currently available products;
create a project file associated with the first user;
save the project file on a memory device; and
provide, to the visualizer, an image file corresponding to the first selected product, wherein the visualizer is configured to use the image file corresponding to the first selected product to present a contextual visualization of the first selected product, wherein the contextual visualization comprises an image depicting the first selected product installed in the installation location;
a scheduling component configured to:
receive, from the server, an indication of a first product quote;
reference calendar information corresponding to at least one representative; and
automatically schedule, based on the calendar information, an appointment or provide a notification to the at least one representative indicating that an appointment needs to be scheduled; and
a quoting component configured to:
reference the quoting database to determine a current price corresponding to the first selected product, wherein the current price comprises a price that is valid as of the time that the quoting component references the quoting database; and
generate a first product quote, the first product quote comprising the price corresponding to the first selected product, wherein the price comprises at least one of a materials price, a delivery price, and an installation price; and
wherein the server is further configured to provide a web service, the web service configured to:
provide a second GUI, the second GUI providing access to the project file to a second user;
receive an indication of at least one of a second selected product and a selected product feature;
create an updated project file by updating the project file to include at least one of a second selected product and a selected product feature;
provide the updated project file to the quoting component, wherein the quoting component is configured to generate a second product quote, the second product quote comprising a price corresponding to the at least one of the second selected product and the selected product feature, wherein the price comprises at least one of a materials price, a delivery price, and an installation price;
receive the second product quote from the quoting component; and
provide the second product quote to the second user.

US Pat. No. 10,460,367

SYSTEM FOR USER AUTHENTICATION BASED ON LINKING A RANDOMLY GENERATED NUMBER TO THE USER AND A PHYSICAL ITEM

BANK OF AMERICA CORPORATI...

1. A system for authenticating a recipient of a physical item, the system comprising:a mobile device including a memory and one or more processors in communication with the memory;
a mobile application stored in the memory, executable by the one or more processors and including:
a random number generator configured to generate a random number;
a linking application configured to:
link the random number with a physical item, a presenter of the physical item, a recipient of the physical item, and a period of time for conducting an event using the physical item, and
store the random number and a physical item identifier, a presenter identifier, a recipient identifier and a period of time identifier in an authentication database; and
a physical item-generator configured to generate the physical item that includes the random number in place of information associated with the presenter,
wherein (i) generating the random number, (ii) linking the random number with the physical item, the presenter, the recipient and the period of time, and (iii) generating the physical item are all conducted in unison in response to receiving an input request via the mobile application; and
an authentication module stored in second memory, executable by one or more second processors and configured to:
in response to receiving (i) an input of a number and (ii) an a recipient identifier from the recipient or a source associated with the recipient, access the authentication database to compare (i) the inputted number to the random number, and (ii) the inputted recipient identifier to the stored recipient identifier, and
in response to determining a match between the inputted number and the random number and between the inputted recipient identifier and the stored recipient identifier, authenticate the recipient.

US Pat. No. 10,460,366

COMMERCIAL TRANSACTION SYSTEM, ADMINISTRATION SERVER, AND PROGRAM

ACD INC., Toyko (JP)

1. A commerce system comprising: a plurality of EC servers that connect to a user terminal in a first economic zone and execute E-commerce; a customs clearance authentication server that connects to a customs terminal run by customs authorities in a second economic zone and administers pre-customs clearance information; and an administration server that is connected to the customs clearance authentication server and the plurality of EC servers;the administration server including at least one first processor that executes the steps of:
generating a registration request that includes product information regarding a product provided by a product administration server to the administration server;
transmitting the registration request to the customs clearance authentication server;
receiving pre-customs clearance information regarding the product from the customs clearance authentication server, wherein the pre-customs clearance information indicates whether or not the product has been cleared by the customs authorities in the second economic zone, the pre-customs clearance information including information on a tariff; and
notifying the pre-customs clearance information to at least one of the plurality of EC servers such that the pre-customs clearance information is displayed together with the product information on a site accessed by the user terminal;
the customs clearance authentication server including at least one second processor that executes the steps of:
generating pre-customs clearance information based on the product information, in response to a request from the at least one of the plurality of the EC servers; and
transmitting the generated pre-customs clearance information to the administration server, and
each of the plurality of EC servers including at least one third processor that executes the steps of:
transmitting the received pre-customs clearance information along with the product information to the user terminal in response to a search request made by a user, wherein the user terminal displays a search results list including the product information for one or more products, and the search results list includes an indication associated with each product of the one or more products, the indication indicating whether or not pre-customs clearance has been performed for a respective product of the one or more products; and
accepting, from the user terminal, an instruction to circulate a product specified by the product information via customs;
thereby improving customs clearance efficiency when circulating products between the first economic zone and the second economic zone.

US Pat. No. 10,460,365

GENERATING AN ELECTRONIC CATALOG FOR ONLINE COMPUTER USERS

eBay Inc., San Jose, CA ...

1. A system for generating a multi-page electronic catalog, the system comprising:at least one hardware processor; and
a memory storing instructions that are executable using the at least one hardware processor to cause the system to perform operations including:
generating a graphical user interface in a first web browser, the user interface including a search display area, a search element, and a catalog page display area that represents a page of the multi-page electronic catalog;
receiving, from a first user, a search query via the search element;
searching a data store for images in response to the search query;
displaying at least a portion of the searched images in the search display area;
receiving, from the first user, a drag and drop input of an image of the searched images displayed in the search display area, the drag and drop input comprising dragging the image from the search display area to a position on the catalog page display area;
in response to the drag and drop input, displaying the image at the position on the catalog page display area;
associating the image with the page of the multi-page electronic catalog represented by the catalog page display area;
associating the image with the position on the page of the multi-page electronic catalog; and
publishing the multi-page electronic catalog for access by a second user via a second web browser, the publishing the multi-page electronic catalog comprising publishing the image at the position on the page of the multi-page electronic catalog where the image was dragged and dropped by the first user.

US Pat. No. 10,460,364

SYSTEM AND METHOD FOR SOCIAL GIFTING AND GIFT REDEMPTION

INMAR BRAND SOLUTIONS, IN...

1. A gift processing system comprising:a point-of-sale (POS) terminal;
a gift-recipient mobile wireless communications device associated with a gift recipient, and having a mobile application stored thereon;
a gift-provider electronic device associated with a gift provider; and
a gift-processing server coupled to the gift-recipient mobile wireless communications device and the gift-provider electronic device, the gift-processing server comprising:
a memory configured to store a list of gifts and associated redemption locations, and
a processor coupled to the memory and configured to:
obtain, via the gift-provider electronic device, a gift recipient identifier associated with the gift recipient;
determine a geographic location of the gift recipient based upon communication with the gift-recipient mobile wireless communications device and the gift recipient identifier;
determine available gifts from the list of gifts for redemption at a given one of the associated redemption locations based upon the determined geographic location;
obtain, via the gift-provider electronic device, a selected gift from the determined available gifts for gifting to the gift recipient;
communicate notification of the selected gift to the gift recipient via the gift-recipient mobile wireless communications device; and
receive, via the gift-recipient mobile wireless communications device, a redemption request for the selected gift, and when the redemption request for the selected gift is received:
generate a gift verification identifier associated with the selected gift and the gift recipient identifier; and
communicate the gift verification identifier to the POS terminal at the given associated redemption location;
the POS terminal configured to print the gift verification identifier on a guest check, wherein the guest check is associated with a transaction:
the gift-recipient mobile wireless communications device configured to:
obtain, via the mobile application, the gift verification identifier from the guest check for redemption of the selected gift; and
in response to obtaining the gift verification identifier from the guest check, redeem the selected gift and complete the transaction associated with the guest check via the mobile application, wherein the redemption of the selected gift and the completion of the transaction are performed at the gift-recipient mobile wireless communications device without cooperation with the POS terminal.

US Pat. No. 10,460,363

SYSTEM, METHOD AND COMPUTER PROGRAM FOR INTEGRATING DIVERSE POINT OF SALE SYSTEMS

ETHOR MEDIA LTD., Calgar...

1. A system for integrating a plurality of diverse point of sale systems, the system comprising:a first computer processor in communication with the plurality of diverse point of sale systems, wherein each diverse point of sale system of the plurality diverse point of sale systems generates non-compatible point of sale data, the first computer processor configured to communicate with each of the plurality of diverse point of sale systems using a point of sale agent;
a second computer processor linked to the first computer processor, the second computer processor configured to operate an order manager; and
a memory storage unit for storing a point of sale database, wherein the point of sale database provides a common data model configured to be recognized by the order manager, the common data model including fields corresponding to at least one of a point of sale system identifier, pricing, and promotions,
wherein the point of sale agent receives the non-compatible point of sale data from each of the plurality of diverse point of sale systems and the order manager, the point of sale agent further configured to map the point of sale data to the common data model.

US Pat. No. 10,460,362

ADAPTIVE POWER MANAGEMENT OF A CLUSTER OF HOST COMPUTERS USING PREDICTED DATA

VMWARE, INC., Palo Alto,...

1. A method performed by a computing device, the method comprising:generating predicted demand data for clients executed in a cluster of host computers, the predicted demand data based on observed resource demands of the clients;
determining a host utilization setting to apply for a particular time period, the host utilization setting based on the predicted demand data; and
causing, prior to the particular time period, a gradual adjustment from an initial host utilization setting to the host utilization setting, the gradual adjustment comprising at least one intermediate host utilization setting, wherein a host computer of the cluster performs one of: a power-down or a power-up based on the gradual adjustment.

US Pat. No. 10,460,361

SYSTEMS FOR REAL-TIME ANALYSIS AND REPORTING OF UTILITY USAGE AND SPEND

Mountain Vector Energy, L...

1. A system to universally assess composite utility consumption comprising:at least one utility-provided sensor that provides direct information on consumption of at least one particular consumption type;
multiple disparate utility data inputs, each specific to sense consumption of a particular commodity type;
at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data that is redundant as to said utility-provided sensor and that provides direct information on consumption of at least one particular commodity type as part of a local device;
a utility data input consumption sensor cross check responsive to said at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data that is redundant as to said utility-provided sensor and that provides direct information on consumption of at least one particular commodity type as part of a local device for at least one utility data input and responsive to at least one of said multiple disparate utility data inputs;
an automatic cross check alert that alerts a user if desired in response to said utility data input consumption sensor cross check that acts in response to said at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data for at least one utility data input to inform a user if existing utility-provided sensor information does not match said utility-provided independent redundant sensor information;
a local, on-site collected utility use information storage responsive to each of said multiple disparate utility data inputs;
a collected composite utility data information time correlator that correlates information from at least one of said multiple disparate utility data inputs to at least one of the other of said multiple disparate utility data inputs;
a collected composite utility data information data-frequency correlator having a new frequency-approximate data generation capability specifically configured to act automatically through processor programming that is configured to act in a way that generates missing utility sensor data for consumption of a particular commodity type to create a new data frequency that makes sensor data correspond even if data intervals are different, and that is not provided by at least one of said multiple disparate utility data inputs, and that is specifically configured in a way that accomplishes data-frequency correlation among the different sensors by generating approximate data for consumption of a particular commodity type in a way that accounts for differing sensor collection intervals so periods in between such data points are similar even among multiple disparate utility sensor data inputs having otherwise different utility data collection intervals, and wherein said collected composite utility data information data-frequency correlator is responsive to each of said multiple disparate utility data inputs;
a data approximation utility estimated cost generator responsive to said collected composite utility data information data-frequency correlator;
a superset format transformer that is specifically configured to act automatically through processor programming configured to act in a way that creates a standard formatted composite utility data in an output that includes consumption information, consumption units, and time of measurement information, and wherein said superset format transformer is responsive to said local, on-site collected utility use information storage, and wherein said superset format transformer that is specifically configured to act automatically through processor programming is also specifically configured to act in a way that provides said output in a format selected from a group consisting of: a comma separated value format, a tab-delimited format, an MS-XLS binary file format, an MS-XLSX binary file format, a delimiter separated format, a tab separated value format, and an open standard file data format, and wherein said superset format transformer is configured to act automatically through processor programming to automatically normalize said standard formatted composite utility data;
a composite utility cost indication storage responsive to said superset format transformer;
an automatic utility rate information locator;
a multiple access capability, disparate utility rate information acquisition capability that has a plurality of active capabilities, each corresponding to one of said multiple disparate utility data inputs and that is responsive to said automatic utility rate information locator;
a disparate utility rate information data storage responsive to said multiple access capability, disparate utility rate information acquisition capability;
a user settable, data frequency selector that is specifically configured to instruct processor programming to act automatically through said processor programming in a way to set a data frequency for each of said multiple disparate utility data inputs, each specific to consumption of a particular commodity type and which is specifically configured through processor programming to act automatically to re-generate approximate utility data to achieve a set desired data frequency for each sensor that senses consumption of a particular commodity type;
real-time current rate of composite utility estimated economic spend generator that provides current composite utility economic spend information across all of said multiple disparate utility data inputs and said at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data that is redundant as to said utility-provided sensor and that provides direct information on consumption of at least one particular commodity type as part of a local device for at least one utility data input, and in a way that generates a range totaled composite economic spend indication totaled across similar ranges for each of said multiple disparate utility data inputs and said at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data that is redundant as to said utility-provided sensor and that provides direct information on consumption of at least one particular commodity type as part of a local device for at least one utility data input, and that provides said real-time current rate of composite utility estimated economic spend in response to said local, on-site collected utility use information storage and said disparate utility rate information data storage and that is responsive to said user settable, data frequency selector, and that is configured through processor programming to automatically transform disparate sensor data to values that span comparable unit ranges and to automatically generate composite utility cost indications in real-time in response to all of said multiple disparate utility data inputs and said at least one utility-provider independent redundant sensor that provides utility-provider-independent sensed utility data that is redundant as to said utility-provided sensor and that provides direct information on consumption of at least one particular commodity type as part of a local device for at least one utility data input;
a visual composite utility cost display responsive to said composite utility cost indications storage; and
an historical composite utility cost comparator responsive to said composite utility cost indication storage;wherein said multiple disparate utility data inputs are selected from a group consisting of:a utility electrical voltage information input;
a utility electrical current information input;
a utility water flow information input;
a utility gas flow information input; and
any combination of the above, all without limiting other aspects,and wherein each of said multiple disparate utility data inputs are provided to a unitary collection device.

US Pat. No. 10,460,360

TECHNIQUE FOR PRICING A SOLAR POWER SYSTEM

Sunrun, Inc., San Franci...

1. A computer-implemented method for generating pricing solutions for a solar power system configuration, each pricing solution reflecting one or more pricing parameters, the method comprising:receiving a solar power system configuration generated by, beginning with an initial solar power system configuration at a first level of a decision tree comprised of a plurality of sequential levels and traversing the decision tree in one direction until a final level is reached, selecting one solar power system configuration of a plurality of solar power system configurations at each level of the decision tree beginning with the first level and ending with a selection of an optimized solar power configuration at the final level, wherein the selection at each level includes determining an outcome to one design decision associated with the given level by computing results from one value function applied to the plurality of solar power system configurations;
receiving, via a graphical user interface (GUI displayed by a display device, a set of pricing parameters, wherein a first pricing parameter in the set of pricing parameters reflects a first attribute of the solar power system configuration and a corresponding first range of possible values for the first attribute;
receiving, via the GUI, a selection of a subset of the first range of possible values associated with the first pricing parameter;
generating, by a processing unit coupled to the display device, at least one pricing solution based on the selection of the subset of the first range of possible values, wherein the at least one pricing solution comprises a price for the solar power system configuration that is constrained by the subset of the first range of possible values; and
displaying, on the display device, the at least one pricing solution.

US Pat. No. 10,460,359

COMPUTER-IMPLEMENTED METHOD FOR ARRANGING HYPERLINKS ON A GRAPHICAL USER-INTERFACE

Coupang, Corp., Seoul (K...

1. A computer-implemented system comprising:a memory storing instructions; and
at least one processor programmed to execute the instructions to perform a method for arranging hyperlinks on a graphical user-interface (GUI) of a computerized system, the method comprising:
receiving, via the GUI, a user selection to display a plurality of hyperlinks, the hyperlinks corresponding to one or more nodes of a first set;
determining, by a processor, a rank of each hyperlink in the plurality of hyperlinks, wherein determining a rank comprises:
constructing a first bipartite graph between the one or more nodes of the first set and one or more nodes of a second set, the first set and the second set being mutually exclusive, wherein edges of the first bipartite graph are weighted according to a first criterium;
constructing a second bipartite graph between the one or more nodes of the first set and the one or more nodes of the second set, wherein edges of the second bipartite graph are weighted according to a second criterium, different from the first criterium;
aggregating the first bipartite graph and the second bipartite graph to form an aggregated bipartite graph; and
ranking the one or more hyperlinks ordinally according to an aggregate weight of the corresponding node in the aggregate bipartite graph;
automatically moving the first-ranked hyperlink to a first position on the GUI; and
automatically moving the second and subsequently ranked hyperlinks to second and subsequent positions, respectively, on the GUI.

US Pat. No. 10,460,358

INTEGRATION OF AN ADVERTISING UNIT CONTAINING INTERACTIVE RESIDUAL AREAS AND DIGITAL MEDIA CONTENT

Viacom International Inc....

15. A computer program product, tangibly embodied in a non-transitory computer readable storage medium, for dynamic integration and presentation of advertising content and media content, the computer program product including instructions operable to configure a data processing apparatus to:receive a request for media content from a remote computing device;
provide, in response to the request, an interactive advertising unit comprising:
a first content layer including the requested media content;
a second content layer including the advertising content, wherein the advertising content comprises video content and website content; and
an integration module configured to operate on the remote computing device to:
display the video content in an initial display area;
extend the display area of the video content beyond the boundaries of the initial display area to an extended display area;
reduce the display area of the video content from the extended display area to the initial display area after a period of time;
display the website content in an area outside of the initial display area; and
display the requested media content; and
transmit the interactive advertising unit for presentation on the remote computing device.

US Pat. No. 10,460,357

SYSTEMS AND METHODS FOR ENHANCED ADVERTISEMENTS

Amazon Technologies, Inc....

1. A system, comprising:at least one memory storing computer-executable instructions; and
at least one processor configured to access the at least one memory and to execute the computer-executable instructions to:
receive, from a user device, a request for content;
generate, based at least in part on the request for content, an advertisement request;
transmit, to a first server device, the advertisement request;
receive an advertisement based at least in part on the advertisement request over a first communication network from the first server device;
identify a product or service associated with the advertisement;
determine that the product or service is available for sale;
generate, based at least in part on the determination that the product or service is available for sale, functionality that directs the user device to display a selectable visual element as part of the advertisement, the selectable visual element based at least in part on the product or service and configured to facilitate a purchase of the product or service; and
transmit the content, the advertisement, and the functionality over a second communication network to the user device.

US Pat. No. 10,460,356

GENERIC MESSAGE INJECTION SYSTEM

GROUPON, INC., Chicago, ...

1. An apparatus for facilitating transmission of a plurality of electronic messages in a message system, the apparatus comprising at least one processor and at least one non-transitory memory including program code, the at least one non-transitory memory and the program code configured to, with the processor, cause the apparatus to at least:receive generic configuration data by a master module of the message system, wherein the generic configuration data comprises a plurality of data paths, time data, and channel data associated with the plurality of electronic messages, wherein each of the plurality of data paths pointing to one of work chunks associated with the plurality of electronic messages;
retrieve, by a worker module, a first work chunk based on the time data and data paths of the generic configuration data, wherein the time data indicates transmission time for each of the plurality of electronic messages;
generate, by the worker module, a first electronic message based on the first work chunk;
transmit the first electronic message based on the channel data of the generic configuration data;
subsequent to transmitting the first electronic message, receive a status update indication associated with the work chunks;
dynamically generate, by the master module, updated data paths based on the status update indication and the time data of the generic configuration data;
retrieve, by the worker module, a second work chunk based on the updated data paths and the time data of the generic configuration data; and
generate, by the worker module, a second electronic message based on the second work chuck.

US Pat. No. 10,460,355

SYSTEMS AND METHODS FOR AUGMENTING REAL-TIME ELECTRONIC BIDDING DATA WITH AUXILIARY ELECTRONIC DATA

Oath (Americas) Inc., Ne...

1. A computer-implemented method for augmenting real-time bidding data with user-specific proprietary data, the method including:receiving, at an intermediary data augmenting server over an electronic communications network, from a real-time bidding exchange, a request to augment user-specific data in a bid request with user-specific proprietary data, the bid request comprising a user identifier, the intermediary data augmenting server being intermediary to the real-time bidding exchange and at least one real-time impression bidder on the electronic communications network;
accessing, by the intermediary data augmenting server from an internal database, user-specific proprietary data of a data augmenting service based on the user identifier of the bid request;
determining, by the intermediary data augmenting server, user-specific proprietary data to include in an augmented bid request based on the bid request and the user identifier;
generating, by the intermediary data augmenting server, the augmented bid request based on the bid request and the user identifier, the augmented bid request comprising the user-specific proprietary data from the internal database and the user-specific data from the bid request;
formatting, by the intermediary data augmenting server, the augmented bid request into a standardized, augmented bid request;
transmitting, by the intermediary data augmenting server over the electronic communications network, the standardized, augmented bid request to the at least one real-time impression bidder;
receiving, at the intermediary data augmenting server over the electronic communications network from the real-time bidding exchange, a second request to augment user-specific data in a second bid request with user-specific proprietary data;
accessing, by the intermediary data augmenting server from the internal database, user-specific proprietary data of the data augmenting service based on a user identifier of the second bid request;
determining, by the intermediary data augmenting server, user-specific proprietary data to include in a second augmented bid request based on the received second bid request and the user identifier of the second bid request;
generating, by the intermediary data augmenting server, the second augmented bid request, the second augmented bid request comprising the user-specific proprietary data from the internal database and the user-specific data from the second bid request;
formatting, by the intermediary data augmenting server, the second augmented bid request into a second standardized, augmented bid request; and
transmitting, by the intermediary data augmenting server over the electronic communications network, the second standardized, augmented bid request to the real-time bidding exchange, wherein the second standardized, augmented bid request is used to adjust the bid request by the real-time bidding exchange.

US Pat. No. 10,460,354

SYSTEMS AND METHODS FOR CUSTOMER VALUATION AND MERCHANT BIDDING

eBay Inc., San Jose, CA ...

1. A process comprising:receiving customer profile data by a mediator system, the customer profile data identifying actions that explicitly indicate preferences by a customer for one or more merchants including identification of goods purchased by the customer from the one or more merchants;
detecting, via a message received from a communication device by the mediator system, a first location of the communication device associated with the customer, the first location determined via a positioning system receiver of the communication device;
identifying, using the mediator system, a subset of merchants of the one or more merchants that are within a certain distance of the first location of the communication device;
triggering a determination, by the mediator system, of first valuations of the customer, each of the first valuations specific to the first location of the communication device and specific to a different merchant in the subset of merchants, each of the first valuations further based on the customer profile data,
the triggering of the determination of the first valuations of the customer is in response to the detecting of the first location of the communication device in the message and a request from the communication device to access a website of the one or more merchants;
providing, via the mediator system, each of the first valuations to the specific merchant;
recalculating the valuations of the customer in response to changes in the communication device's location, and providing the recalculated valuations to the one or more merchants, the recalculating comprising:
detecting, via a second message received from the communication device by the mediator system and in response to the communication device moving away from the first location, a second location of the communication device associated with the customer, the second location determined via the positioning system receiver of the communication device,
in response to detecting the second location, triggering a second determination by the mediator system of second valuations of the customer specific to a second location of the communication device, each of the second valuations being specific to a different merchant in the subset of merchants, and
providing, via the mediator system, each of the second valuations to the second valuation's specific merchant, including providing, to the first merchant, a second valuation specific to the first merchant;
receiving one or more bids, by the mediator system, from one or more of the second set of merchants in response to the providing of the second valuations to the merchants; selecting a merchant based on the received bids; and
providing to the selected merchant, via the mediator system, a connection to the customer including transmitting data received from the merchant to the communication device of the customer.

US Pat. No. 10,460,353

REAL-TIME CROSS-DEVICE USER CATEGORY SYNCHRONIZATION IN AN ADVERTISING CAMPAIGN

ORACLE INTERNATIONAL CORP...

1. A method comprising:receiving, from a first user device, a first electronic communication over a network, the first electronic communication including a first device data record, wherein the first device data record includes one or more first device attributes associated with a first user device identifier, and wherein the one or more first device attributes include one or more of: a device connection characteristic, an Internet Protocol (IP) port number, an IP address, a Wi-Fi network associated with the first user device, a Wi-Fi Service Set Identifier (SSID), a web site visited, or a portion of a header of the first electronic communication;
generating a first user profile, the first user profile including a first user profile identifier, the first user device identifier, and one or more first user categories, wherein the one or more first user categories are associated with the first device data record;
storing the first user profile in a user profile database;
receiving, from a second user device, a second electronic communication over a network, the second electronic communication including a second device data record, wherein the second device data record includes one or more second device attributes associated with a second user device identifier;
determining that the second electronic communication cannot be unambiguously associated with the first user profile;
generating, based on determining that the second electronic communication cannot be unambiguously associated with the first user profile, a second user profile, the second user profile including a second user profile identifier, the second user device identifier, and one or more second user categories, the one or more second user categories being associated with the one or more second device attributes;
storing the second user profile in the user profile database;
receiving, from the second user device, a third electronic communication over a network, the third electronic communication comprising an additional device data record, wherein the additional device data record comprises one or more additional device attributes pertaining to the second user device identifier;
determining, based on the third electronic communication originating from the second user device, that the third electronic communication is associated with the second user profile;
modifying, based on determining that the third electronic communication is associated with the second user profile, the second user profile to include the one or more additional device attributes of the third electronic communication;
determining, based in part on the first user profile and the modified second user profile, that a same user is associated with the first user profile and the second user profile;
synchronizing, based on that the first user profile and the modified second user profile are associated with the same user, the first user profile and the modified second user profile, wherein synchronizing the first user profile and the second user profile forms an updated first user profile that includes an association between the updated first user profile and the one or more second user categories, wherein the updated first user profile and the modified second user profile are synchronized upon receiving the third electronic communication;
generating, based on synchronizing the first user profile and the second user profile, a cross-device map that identifies an association between the updated first user profile identifier, the second user profile identifier, the first user device identifier, and the second user device identifier; and
transmitting, based on one or more categories of the updated first user profile, content to the first user device, wherein subsequent to transmitting content the association between the first user profile and the one or more second user categories is not saved.

US Pat. No. 10,460,352

MEDIATION ROUTER

1. A system, comprising:a processor; and
a memory that stores executable instructions that, when executed by the processor, facilitate performance of operations, comprising:
determining performance data that represents respective rates of receiving a compliant advertisement from vendor devices, wherein the compliant advertisement is an advertisement that adheres to a defined criterion associated with a communication device that has requested the advertisement, and
based on the performance data, selecting a vendor device of the vendor devices to provide a subsequent advertisement.

US Pat. No. 10,460,351

SALES ASSISTANCE BASED ON PURCHASING PREDICTION

International Business Ma...

1. A computer program product for managing responses in a communication with a user, the computer program product comprising:one or more computer readable storage media and program instructions stored on the one or more computer readable storage media, the stored program instructions comprising:
program instructions to identify one or more items searched for by a user on a client device;
program instructions to determine if a location of the client device is within a threshold distance of an item of the one or more searched for items;
program instructions to, in response to determining that the client device is within a threshold distance, generate a communication that the item of the one or more searched items presents to the user of the client device, wherein the communications includes details about the item and personalized information about the user;
program instructions to send the generated communication to the item to be displayed as text directly by the item;
program instructions to determine if a received response to the generated communication exceeds a threshold probability that the user will purchase the item based upon the response of the user to the generated communication; and
program instructions to, in response to determining the response exceeds the threshold probability, identify a sales representative to assist the user.

US Pat. No. 10,460,350

DIGITAL CONCIERGE APPLICATION

Visa International Servic...

1. A method comprising:receiving, by a communication element of the portable electronic device, a plurality of offers from an application management server over a communication network, the plurality of offers including global offers and local offers;
storing, on a data storage memory of the portable electronic device, the plurality of offers in an offer data database, the offer data database providing access to the plurality of offers without a connection to the application management server via the communication network;
receiving, by the communication element of the portable electronic device over the communication network from a concierge service computer, concierge data including a travel itinerary with at least one of a hotel reservation, restaurant reservation, and travel arrangement, the concierge service computer associated with a concierge service provider that previously scheduled the at least one of the hotel reservation, the restaurant reservation, and the travel arrangement on behalf of a user, wherein the concierge data is associated with the user of the portable electronic device, the concierge service computer different from the application management server, the plurality of offers different from the concierge data including the travel itinerary with at least one of the hotel reservation, the restaurant reservation, and the travel arrangement;
storing, on the data storage memory of the portable electronic device, the concierge data in a concierge data database;
retrieving, from the data storage memory of the portable electronic device in response to a menu selection by the user via a user interface of the portable electronic device, the plurality of offers from the offer data database without using the connection to the application management server via the communication network;
determining, by a processor of the portable electronic device, a current location of the portable electronic device using a GPS receiver of the portable electronic device;
determining, by the processor of the portable electronic device, based on the concierge data, one or more future locations associated with the user of the portable electronic device by interpreting the travel itinerary to identify when and where the user will be located by determining a future location and a future time for each of the at least one hotel reservation, restaurant reservation, and the travel arrangement in the travel itinerary and mapping each of the future locations of the user on a timeline according to the future location and the future time of each of the at least one hotel reservation, restaurant reservation, and travel arrangement in the travel itinerary; and
filtering, by the processor of the portable electronic device, without using the connection to the application management server via the communication network, the plurality of offers retrieved from the data storage memory of the portable electronic device according to the current location of the portable electronic device, the one or more future locations, and the timeline by:
determining, by the processor of the portable electronic device, a relevance score for each offer of the plurality of offers retrieved from the data storage memory of the portable electronic device, wherein higher relevance scores are provided to the local offers and to offers associated with the one or more future locations according to the timeline, wherein higher relevance scores are provided to future locations at future times closer to a current time compared to future locations at later future times according to the timeline, wherein the relevance score for each offer of the plurality of offers changes according to the current location of the portable electronic device and the current time; and
ordering, by the processor of the portable electronic device, the plurality of offers retrieved from the data storage memory of the portable electronic device according to the relevance score for each offer of the plurality of offers to obtain a filtered plurality of offers;
presenting, via the user interface of the portable electronic device, the filtered plurality of offers to the user of the portable electronic device, wherein offers of the filtered plurality of offers having higher relevance scores are presented before offers having lower relevance scores;
receiving, via the user interface of the portable electronic device, a selection of a selected offer of the filtered plurality of offers from the user;
generating, by the processor of the portable electronic device, a message including the selected offer and a request to redeem or purchase the selected offer;
sending, when the communication element of the portable electronic device has the connection to the application management server, the message including the selected offer and the request to redeem or purchase the selected offer to the application management server over the communication network;
receiving, by the application management server from the portable electronic device, the message including the selected offer and the request to redeem or purchase the selected offer over the communication network; and
redeeming, by the application management server, the selected offer for the user by communicating with a provider associated with the selected offer.

US Pat. No. 10,460,349

SYSTEMS AND METHODS FOR OPTING-OUT OF TARGETED ADVERTISING IN AN ONLINE ADVERTISING ENVIRONMENT

Oath Inc., Dulles, VA (U...

1. A computer-implemented method for opting-out of targeted advertising in online advertising environments, comprising:receiving, at a server, an opt-out request, wherein the opt-out request includes an IP address of a user device associated with a user, a plurality of HTTP header fields of an HTTP request of the user device, and an opt-out value, wherein the opt-out value is generated based on a user-agent value, a geographic area, and a timestamp, wherein the timestamp indicates a time and date the opt-out value was generated, wherein the opt-out request further includes a user-agent value of a web browser associated with the user device;
hashing, by the server, the user-agent value of the web browser associated with the user device;
determining, by the server, a geographic area of the user device based on the IP address of the user device;
accessing, by the server, an opt-out database having entries of user devices that opted-out of receiving targeted advertising based on at least one HTTP header field of the HTTP request;
determining, by the server, whether the user device has opted-out of receiving targeted advertising based on the determined geographic area of the user device, the plurality of HTTP header fields of the HTTP request, and the entries of user devices of the opt-out database;
encrypting, by an encryption system, the opt-out value using asymmetric key pairs;
generating, by the server, an opt-out response, wherein the opt-out response includes the encrypted opt-out value and an opt-out request honored flag;
transmitting, by the server, the opt-out response to the user device; and
based on the transmitted opt-out response, deleting, at the user device, cookies associated with selected ad networks, and deleting unique identifiers contained in the cookies.

US Pat. No. 10,460,348

SELECTION OF CONTENT ITEMS BASED ON INTERNET ACTIVITY DATA AGGREGATED FROM A CONTENT PROVIDER NETWORK

Google LLC, Mountain Vie...

1. A method of selecting content items for an online ad campaign in a computerized network environment, comprising:receiving, by a data processing system having one or more processors and a database, from a first content provider computing device, an event call comprising an account identifier and an action type, wherein the account identifier includes one or more client device identifiers of client devices that performed the action type;
receiving, by the data processing system and from a client computing device, a request for content comprising a search query, wherein the client computing device is associated with the account identifier;
determining, by the data processing system and based at least on a determination that the client computing device is associated with one of the one or more client device identifiers that performed the action type, one of a subject matter similarity and a semantic similarity between the search query of the request for content and a relevance keyword, wherein the relevance keyword is designated by a second content provider computing device and by a third content provider computing device;
generating, by the data processing system and based at least on a determination that the client computing device is associated with one of the one or more client device identifiers that performed the action type, a first bid value factor for a content item of the second content provider computing device and a second bid value factor for a content item of the third content provider computing device, wherein each of the first bid value factor and the second bid value factor are based at least on the subject matter similarity or the semantic similarity between the search query of the request for content and the relevance keyword, wherein the first bid value factor and the second bid value factor are each represented by a respective data structure and stored in the database;
determining, by the data processing system, a first bid value for the content item of the second content provider computing device based on the first bid value factor retrieved from the database and a second bid value for the content item of the third content provider computing device based on the second bid value factor retrieved from the database; and
selecting, by the data processing system via an online auction, for transmission to the client computing device associated with the account identifier, the content item of the second content provider computing device based on the first bid value and the second bid value.

US Pat. No. 10,460,347

EXTRACTING PREDICTIVE SEGMENTS FROM SAMPLED DATA

CERTONA CORPORATION, San...

1. A computer implemented web-based predictive modeling method to extract predictive segments from sampled data used for predicting subject response, comprising the steps of:providing segmentation attributes and sampled data; and
analyzing the distribution of sampled data;
wherein said analysis of the distribution of sampled data comprises the steps of:
ordering the transactions and occurrences by dimension and treating each dimension one at a time and independently;
creating a cumulative sequence, Dpa,j for item j, by adding P to the previous value when the next transaction contains the item of interest and subtracting A when the item is not present, such that P=1/NP, where NP is the total number of transactions containing the item of interest, and A=1/NA, where NA is the total number of transactions not containing the item of interest, and where the total number of transactions is Ntotal=NP+NA;
preparing a composite sequence Dpa for analysis by evaluating the cumulative sum Dpa=w1Dpa,1+w2Dpa,2+w3Dpa,3+ . . . one term at a time in the order j=1, 2, 3 . . . , where Dpa,j is the cumulative sequence for item j (or item-subset j) and y is an associated weight, with the weight chosen from the set {?1, 0, +1} that results in the larger significance for Dpa after the jth term is included; determining the sequence of maximum relative probability of the item wherein the max and the min correspond to the candidate partition points of the dimension;
partitioning the dimension using the point furthest from the edge of the domain of the dimension in sample order; and
calculating the density factor d=r/s, whereby r=(number of items of interest in peak sequence) and s=(number of all items in peak sequence) and d is a number between 0 and 1;
whereby the density factor is considered significant if

 where ravg=s·NP/Ntotal and T is a predetermined user specified significance threshold.

US Pat. No. 10,460,346

APPARATUS FOR MONITORING A PERSON HAVING AN INTEREST TO AN OBJECT, AND METHOD THEREOF

SIGNIFY HOLDING B.V., Ei...

12. A method of monitoring a person having an interest to an object, the method comprising steps of:by a data processor, obtaining interaction data related to a remote interaction between the person and at least one of a plurality of objects, and analyzing the interaction data to identify a particular one of the objects to which the person has the interest, and
by the data processor, obtaining additional data related to the particular object to provide additional data to the person,
wherein the interaction data comprises touch data indicative of one or more touches by the person to a window located in front of the plurality of objects, and
wherein identifying the particular object comprises detecting a position of touches on the window based on the touch data and then projecting the touch position onto coordinates of the objects to identify the particular object.

US Pat. No. 10,460,345

CONTENT TARGETING WITH PROBABILISTIC PRESENTATION TIME DETERMINATION

INTERNATIONAL BUSINESS MA...

1. A method for targeted presentation of information on a mobile device, the method comprising:detecting, at an application executing using a processor and a memory, a presence of the device at a given time in a zone;
detecting a pause in a movement of the device in the zone;
associating, responsive to an item in the zone being situated proximate to a location of the pause, a location of the item with the location of the pause;
predicting a hangout pattern of the device, wherein the hangout pattern includes an expected pause duration of the pause;
computing, using the processor and the memory, for the item, whether the hangout pattern indicates a historical pause at the location of the detected pause resulting in a historical transaction relating to the item;
computing, responsive to the historical pause at the location of the detected pause resulting in the historical transaction relating to the item, using the processor and the memory, using the hangout pattern and the detected pause, a time within the detected pause to present a content on the device, wherein the content presented at the time is expected to have a higher than a threshold probability of receiving an input at the device;
computing a probability of receiving the input by using a historical information from a data source, wherein the historical information includes a past interactivity information about a past input received from other devices while in the zone responsive to a past content, and wherein the probability of receiving the input is based upon the past interactivity information, the hangout pattern, and the detected pause;
selecting the content according to the probability of receiving the input, the content relating to the item; and
transmitting the content to the device such that the content is presented at the device at the computed time.

US Pat. No. 10,460,344

REGION MERGING AND CODING PARAMETER REUSE VIA MERGING

GE VIDEO COMPRESSION, LLC...

1. A decoder for decoding arrays of information samples encoded in a data stream each representing a picture, the decoder comprising:an extractor configured for:
extracting, from the data stream, a merge indicator with respect to a region currently being decoded within an array of information samples, wherein the region currently being decoded is one of a plurality of regions obtained by dividing the array of information samples and the merge indicator is indicative of whether the region currently being decoded is to be reconstructed based on at least one motion coding parameter determined based on a candidate motion coding parameter,
identifying a set of candidate motion coding parameters,
extracting information related to a candidate identifier from the data stream, and
selecting the candidate motion coding parameter from the set of candidate motion coding parameters in accordance with the candidate identifier; and
a reconstructor configured for:
copying, if an indication is to copy, a motion vector of the candidate motion coding parameter as a motion vector of the at least one motion coding parameter,
computing, if the indication is to compute, the at least one motion coding parameter based on the candidate motion coding parameter, the computing including:
determining a prediction of a motion vector of the at least one motion coding parameter based on a motion vector of the candidate motion coding parameter,
extracting, from the data stream, a prediction residual of the motion vector of the at least one motion coding parameter, and
combining the prediction and the prediction residual of the motion vector of the at least one motion coding parameter to obtain the motion vector of the at least one motion coding parameter, and
reconstructing the region currently being decoded based on the motion vector of the at least one motion coding parameter.

US Pat. No. 10,460,343

ESTIMATING RADIUS OF A TARGET AREA FOR SERVING AN ADVERTISEMENT

Facebook, Inc., Menlo Pa...

1. A method comprising:receiving information at an online system including one or more processors describing an ad target location identified by an advertising user of the online system and one or more ad parameters for an ad from a user interface generated by the online system and displayed by a client device;
determining geographic coordinates of the ad target location based at least in part on the received ad target location information;
retrieving population density information maintained by the online system for the determined geographic coordinates;
based at least in part on the retrieved population density and one or more ad parameters, selecting, by the online system, an estimated radius for serving the ad to online system users within a target area around the geographic coordinates of the ad target location;
generating, for display to the advertising user of the online system via the user interface displayed by the client device, a map portion displaying an indicator corresponding to the ad target location and displaying the target area including locations within the selected estimated radius around the geographic coordinates of the ad target location;
receiving, via a radius selection field displayed in the user interface displayed by a client device, a selection of a modified estimated radius from the client device;
computing, by the online system, an updated estimated ad reach for serving the ad based at least in part on the modified estimated radius;
displaying the updated estimated ad reach and the modified estimated radius via the map portion of the user interface displayed by the client device;
receiving, via the user interface displayed by the client device, information describing an additional ad target location associated with the advertising user;
determining, by the online system, geographic coordinates of the additional ad target location based at least in part on the additional ad target location information;
retrieving a measure of population density associated with the determined geographic coordinates of the additional ad target location from information stored by the online system;
retrieving information associating the retrieved measure of population density with information specifying a dimension of an additional target geographic region for serving the ad from information stored by the online system, the dimension of the additional target geographic region defined relative to the determined geographic coordinates of the additional ad target location; and
computing, by the online system, a cumulative estimated ad reach for publishing the ad based at least in part on a dimension of the ad target location, the dimension of the additional target geographic region, the one or more ad parameters, and a scaling factor based on a ratio of the measures of the population densities associated with the ad target location and the additional ad target location, respectively.

US Pat. No. 10,460,342

METHODS AND SOFTWARE FOR PROVIDING TARGETED ADVERTISING TO A PRODUCT PROGRAM

1. A method of providing targeted advertising to furnish user assistance in a computer assisted design (“CAD”) program, the method being executed by a computer-implemented targeted-advertising software system operating on a computing device and comprising:receiving, by the computing device, at least a design document comprising a plurality of design data associated with a CAD model generated by the CAD program;
wherein the plurality of design data is linked to a first trigger and a second trigger;
receiving, by the computing device, a first advertisement and a second advertisement,
wherein:
each of the first advertisement and the second advertisement provides user assistance in using the CAD program;
receiving the first advertisement further comprises receiving the first advertisement from a first advertiser; and
receiving the second advertisement further comprises receiving the second advertisement from a second advertiser, wherein the second advertiser is distinct from the first advertiser;
storing, by the computing device, each of the first advertisement and the second advertisement in an advertisement event database linking the first advertisement to the first trigger and the second advertisement to the second trigger;
receiving, by the computing device, as a function of interaction between an end-user, the CAD model, and the CAD program, end-user usage data regarding the interaction, wherein the interaction causes the CAD program to implement functionality of the CAD program, and wherein receiving usage data further comprises receiving data describing at least a user action associated with the CAD model;
comparing, by the computing device, the user action to triggers specified by an action-trigger database;
identifying, by the computing device, the first trigger and the second trigger, wherein each of the first trigger and second trigger are listed in the action-trigger database as corresponding to the at least a user action;
retrieving, by the computing device, using the first trigger and second trigger, from the advertisement event database, the first advertisement, the second advertisement, a first rank associated with the first trigger and a second rank associated with the second trigger;
selecting, based on at least a user action, the first advertisement, wherein the first advertisement is configured to assist the end-user with rendering the CAD model and the selecting is based on one or more features of the CAD model
displaying the first advertisement to the end-user, wherein displaying the first advertisement further comprises displaying the first advertisement in a dedicated display area of a user interface of the CAD program.

US Pat. No. 10,460,341

SYSTEM AND METHOD FOR OFFER TARGETING

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented method for offer targeting to a plurality of groups, the method maximizing offer distribution and controlling an envelope weight based on an envelope weight limit for mailing a plurality of offers to each group, the method comprising:storing, in one or more storage devices, computer-readable information associated with the plurality of offers and the plurality of groups, wherein at least some of the plurality of groups comprise multiple accounts and each offer has a priority;
maintaining, by a data processor in communication with the one or more storage devices and having access to at least a portion of the computer-readable information, an offer counter for each of the plurality of groups, the offer counter for each group tracking a number of offers received by each group;
implementing the data processor to perform steps including:
identifying a highest priority offer for assignment;
performing an assignment process by assigning the identified offer to at least one qualified group by:
selecting, based on an offer counter ranking of each of the plurality of groups, one or more prequalified groups for receiving the selected offer, wherein a group having received the fewest offers has a highest ranking for selection;
assigning the selected offer to the selected one or more prequalified groups from the plurality of groups, wherein the one or more prequalified groups are pre-qualified for the selected offer based on a plurality of business rules;
incrementing offer counters associated with the one or more selected prequalified groups receiving the offer;
sorting and ranking the plurality of groups based on the incremented offer counters;
modifying a number of available accounts within at least one of the groups based on a pre-determined lift percentage due to the envelope weight limit;
determining whether any additional offer is available for assignment;
repeating all of the steps of the assignment process when any additional offer is available for assignment, the processor recording the assignment of the plurality of offers accomplished through assignment process to the plurality of groups, wherein the assigned offers are physically inserted into an envelope for each group, such that the total envelope weight does not exceed the envelope weight limit when including each of the assigned offers;
recording, in a storage device, the assignment of the plurality of offers accomplished through the assignment process to the plurality of groups; and
dynamically adjusting the lift percentage during the offer assignment process based on an actual number of offers that are inserted into the envelope, wherein the actual number of offers that are inserted into the envelope is determined by an actual envelope weight.

US Pat. No. 10,460,340

VERIFYING AD REQUESTS

WIDEORBIT INC., San Fran...

1. A method comprising:receiving, by an ad verifier from a first entity involved in real-time transactions for sale of ad impressions, a first ad request and a first digital signature, wherein the first ad request comprises a first request for a first advertisement to be placed on a first ad space within a first piece of web content, the first ad request is generated in response to a loading of the first piece of web content, a first set of code of the first piece of web content indicates a presence of the first ad space, and the first digital signature is generated using a first key associated with a first publisher of the first piece of web content;
determining that the first publisher is associated with the first ad request;
selecting the first key, from a plurality of keys, based on the first publisher;
executing a signature generation algorithm using the first ad request and the first key, selected from the plurality of keys, to generate a second digital signature;
determining if the first digital signature matches the second digital signature;
responsive to determining the first digital signature matches the second digital signature:
verifying that the first ad request is associated with the first publisher that is associated with the first key;
transmitting, by the ad verifier to a second entity involved in the real-time transactions for sale of ad impressions, a first verification message corresponding to the first ad request;
wherein transmitting the first verification message is further responsive to:
identifying a first nonce included in the first ad request, wherein the first nonce serves as a first unique identifier of the first ad request;
determining that the first nonce included in the first ad request does not match any nonce included in a first set of previously received ad requests;
determining that the first ad request is not a duplicate of any of the first set of previously received ad requests;
receiving, by the ad verifier from a third entity involved in the real-time transactions for sale of ad impressions, a second ad request and a third digital signature, wherein the second ad request comprises a second request for a second advertisement to be placed on a second ad space within a second piece of web content, the second ad request is generated in response to a loading of the second piece of web content, a second set of code of the second piece of web content indicates a presence of the second ad space, and the third digital signature is generated using a second key associated with a second publisher of the second piece of web content;
determining that the second publisher is associated with the second ad request;
selecting the second key, from the plurality of keys, based on the second publisher;
executing the signature generation algorithm using the second ad request and the second key, selected from the plurality of keys, to generate a fourth digital signature;
determining if the third digital signature matches the fourth digital signature;
responsive to determining the third signature matches the fourth signature:
verifying that the second ad request is associated with the second publisher that is associated with the second key;
transmitting, by the ad verifier to a fourth entity involved in the real-time transactions for sale of ad impressions, a second verification message corresponding to the second ad request;
wherein transmitting the second verification message is further responsive to:
identifying a second nonce included in the second ad request, wherein the second nonce serves as a second unique identifier of the second ad request;
determining that the second nonce included in the second ad request does not match any nonce included in a second set of previously received ad requests;
determining that the second ad request is not a duplicate of any of the second set of previously received ad requests;
wherein the method is executed by at least one device including a hardware processor.

US Pat. No. 10,460,339

HIGHLY SCALABLE INTERNET-BASED PARALLEL EXPERIMENT METHODS AND APPARATUS FOR OBTAINING INSIGHTS FROM TEST PROMOTION RESULTS

EVERSIGHT, INC., Palo Al...

1. A computer-implemented method for performing promotion optimization that is performed by a promotion optimization system including a processor, containing a promotion module, an administration module, and a monitoring module, the method comprising:generating a plurality of test promotions for a plurality of products from a plurality of manufacturers;
selecting a subset of the plurality of test promotions as promotions of interest;
administering the plurality of test promotions to a plurality of segmented subpopulations of consumers through a webpage where a single one of the promotions of interest is displayed together with a fixed selection of the plurality of test promotions to a given subpopulation of consumers in real-time, wherein the real-time administration of test promotions includes concurrent testing of the plurality of test promotions, and wherein the single one of the promotions of interest is randomized upon each viewing of the webpage;
obtaining responses from said segmented subpopulations of consumers;
tracking the obtained responses for each consumer over time and across different test promotions;
analyzing the tracked obtained responses to generate insights, wherein the insights are relative performance of the single one of the promotions of interest in achieving a desired response from the segmented subpopulations of consumers; and
generating a general population promotion using the promotion optimization system to at least one of gain market share, increase revenue and increase profit using the insights.

US Pat. No. 10,460,338

NETWORK CENTRIC LOYALTY SYSTEM

VISA U.S.A. INC., San Fr...

1. A method comprising:determining, by a host computer, an issuer identifier for an issuer in a plurality of issuers, the issuer identifier usable to generate a portable device identifier for a portable device issued by the issuer, wherein the portable device identifier is enabled to be used at an acceptance point device associated with a merchant that is remote from the host computer and the issuer;
deriving, by the host computer, an issuer credential for the issuer from a root credential associated with the host computer, wherein the issuer credential is usable to derive a portable device credential that is associated with the portable device;
storing, by the host computer, the portable device identifier, the portable device credential, and one or more loyalty parameters associated with one or more eligible loyalty programs in the host computer;
determining the one or more eligible loyalty programs based on the portable device identifier and the portable device credential; and
after determining the one or more eligible loyalty programs, performing the one or more eligible loyalty programs.

US Pat. No. 10,460,337

INTERACTIVE USE AND ATHLETIC PERFORMANCE MONITORING AND REWARD METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT

NIKE, Inc., Beaverton, O...

1. A method, comprising:measuring, by a measurement device, activity information indicating performance of a physical activity by a first user, wherein the measurement device is removably attachable to a piece of athletic equipment;
transmitting, by the measurement device, the activity information to a reward kiosk, wherein the kiosk is associated with and operatively connected to a remote reward determination location;
transmitting, by the measurement device and to the reward kiosk, an identification code identifying the measurement device;
receiving input corresponding to a user identification code that distinguishes between users of the piece of athletic equipment;
determining, by the measurement device, reward information based on the transmitted activity information, wherein the reward information comprises at least a redeemable reward;
requesting, from a computing device, information comparing the transmitted activity information with athletic activity information corresponding to a second user; and
receiving the comparison information.

US Pat. No. 10,460,336

INCENTIVIZING ADOPTION OF PREDEFINED PRACTICES USING DIGITAL TRANSACTABLE ASSETS

International Business Ma...

1. A computer-implemented method, comprising:measuring, by multiple tamper-resistance activity meters over a pre-determined period of time, proof-of-work measurements of one or more user activities in furtherance of a predefined objective, wherein the predefined objective comprises usage of a renewable energy source, and wherein the proof-of-work measurements comprise one or more of power consumption values and power production values:
collecting, via the multiple tamper-resistant activity meters, the proof-of-work measurements; processing the proof-of-work measurements from the multiple tamper-resistant activity meters, wherein each of the multiple tamper-resistant activity meters is linked to at least one user;
generating units of a digital transactable asset to be allocated among the users in connection with the predefined objective;
allocating the generated units of the digital transactable asset among the users based at least in part on (i) said processing, (ii) the total number of digital transactable asset units, (iii) the time at which the digital transactable asset units convert to an alternative value source, (iv) the predetermined period of time, (v) a monotonically increasing reward function, (vi) current digital transactable asset demand, and (vii) the amount of the predefined objective reached at the time of allocation, wherein the monotonically increasing reward function comprises R(t) =(M/N) (G(t)/G)3 when G(t)?G, and 0 otherwise, wherein R(t) represents a reward for each digital transactable asset unit at time period t, M represents a maximum monetary corpus that can be awarded, N represents a maximum number of digital transactable asset units that can be awarded, and G(t) represents aggregate work done up to time period t; and
converting the generated units of the digital transactable asset allocated to each of the users to the alternative value source upon completion of (i) the predefined objective and/or (ii) the predetermined period of time;
wherein the steps are carried out by at least one computing device.

US Pat. No. 10,460,335

GEO-FILTERING CONSUMERS

Comenity LLC, Columbus, ...

1. A computing device comprising: one or more processors to:access a mobile device location information regarding a mobile device at a location to achieve the accessed mobile device location information, the accessed mobile device location information obtained by the mobile device via a network-based location system provided by a service provider of said mobile device; access a mobile device identification information regarding said mobile device at said location to achieve the accessed mobile device identification information;
determine, based on said accessed mobile device location information and said accessed mobile device identification information, said location of said mobile device to achieve a determined location;
create a plurality of geofences for a plurality of retailers to achieve a plurality of retailer geofences;
compare said determined location with a database containing said plurality of retailer geofences;
identify a retailer geofence, from said plurality of the retailer geofences, within which said mobile device is located to achieve an identified retailer geofence;
identify a customer relating to said accessed mobile device identification information to achieve an identified customer;
determine, based on said determined location of said mobile device, said identified retailer geofence, said identified customer, and a stored customer information relating to said identified customer, a brand of interest for which one or more credit card offers will be communicated to said identified customer, the one or more credit card offers being offers for one or more new credit card accounts;
compare a brand policy of said brand of interest, said stored customer information relating to said identified customer, said identified retailer geofence relating to said determined location of said mobile device and credit offer conversion factors, wherein said credit offer conversion factors assign values to combinations of subsets of information of at least any of the following types of information:
said brand policy;
the stored customer information relating to said identified customer; and
said identified retailer geofence relating to said determined location of said mobile device; and
generate, based on said comparison, a credit card offer to be transmitted to said identified customer, the credit card offer being an offer for a new credit card account.

US Pat. No. 10,460,334

USING MEDIA INFORMATION FOR IMPROVING DIRECT MARKETING RESPONSE RATE

International Business Ma...

1. A method comprising:at a hardware processor configured to execute computer program instructions stored on a non-transitory computer readable medium:
training a prediction model to compute a probability of customer response to direct marketing, wherein the training comprises:
extracting samples of language usage in one or more social media activities performed by customers and potential customers on one or more online social media platforms;
deriving language usage features indicative of product interest of one or more of the customers and potential customers in one or more products by searching text of the extracted samples for mentions of the one or more products, and converting speech responses of the extracted samples to text using speech recognition to search for mentions of the one or more products;
mapping the language usage features to personal features including one or more personality traits and emotional states;
storing the mapped language usage features and the personal features in a repository comprising a storage device;
extracting time and date information for the one or more social media activities;
deriving temporal activity patterns based on statistics for the extracted time and date information, wherein the temporal activity patterns are indicative of particular days of week and times of day that one or more of the customers and potential customers are most likely to be using the one or more online social media platforms, and the temporal activity patterns are stored in the repository; and
training the prediction model based on the temporal activity patterns; and
improving rate of customer response to direct marketing, wherein the improving comprises:
determining, based on the trained prediction model, probabilities of the customers and potential customers receiving and viewing direct marketing information at the particular days of week and times of day;
identifying at least one customer or potential customer of the customers and potential customers who is not ready to receiving direct marketing information by determining, based on the probabilities, at least one of: device readiness of at least one customer or potential customer, device connectivity of the at least one customer or potential customer, or whether the at least one customer or potential customer is engaged in a task that is interruptible;
filtering out the at least one customer or potential customer who is not ready to receive direct marketing information; and
timing one or more electronic offers of the one or more products to one or more remaining customers or potential customers of the customers and potential customers who are ready to receive direct marketing information via the one or more online social media platforms in accordance with the particular days of week and times of day.

US Pat. No. 10,460,333

METHOD AND SYSTEM FOR AUTOMATED TARGETED POLLING VIA AN E-COMMERCE PROMOTIONS PLATFORM

TRANSFORM SR BRANDS LLC, ...

1. A method of operating an e-commerce promotions platform that supports automated targeted polling of a plurality of consumers, the method comprising:in a computer system configured to manage a promotional activity on an e-commerce platform that communicatively couples to a respective communication device of each of a plurality of users,
configuring, via a creation user interface, one or more graphical user interfaces for generating questions, wherein the creation user interface is configured to set for a particular question, via one or more graphical elements, a poll class, a poll category identification, a poll status, a question type, and a question format;
causing, via a selection of one or more graphical elements of a graphical user interface, the graphical user interface to filter promotional activities by question format including one or more of questions with images, questions with videos, and questions with write-in responses;
identifying, from the promotional activities supported by the e-commerce platform, one or more available promotional activities that are suitable for polling based on input from a poll sponsor;
selecting, by the poll sponsor, a promotional activity from the one or more available promotional activities;
providing a first set of questions comprising one or more questions;
receiving, from the poll sponsor, information representative of a consumer demographic, and information identifying a second set of questions comprising one or more questions chosen by the poll sponsor;
receiving, from the poll sponsor, tag information;
associating the received tag information with tags that correspond to the one or more questions chosen by the poll sponsor;
receiving a request to participate in a promotional activity supported by the computer system, from a communication device of a first consumer of the plurality of consumers;
in response to receiving the request to participate, selecting one or more particular questions from the second set of questions, wherein the selection of the one or more particular questions is performed according to personal information of the first consumer stored in a loyalty program and accessed by the computer system;
forming a third set of questions from the first set of questions and the one or more particular questions, such that the third set of questions includes the one or more particular questions;
presenting the questions of the third set of questions to the first consumer via the communication device of the first consumer;
collecting, via the communication device of the first consumer, any responses of the first consumer to the questions of the third set of questions; and
delivering, to a recipient identified to the computer system by the poll sponsor, responses of the first consumer to the one or more particular questions.

US Pat. No. 10,460,332

PREDICTING PERFORMANCE FOR PROVIDING AN ITEM

Amazon Technologies, Inc....

1. A computer-implemented method, comprisingstoring, by a computer system, performance metrics for item providers offering an item at an electronic marketplace, the performance metrics indicative of past performances of the item providers associated with providing units of the item to destinations and of past contexts and past conditions corresponding to the past performances, a past context associated with a particular source and a particular destination of one of the units of the item, a past condition associated with a past route between the particular source and the particular destination, the past context and the past condition stored in one or more databases;
generating, by the computer system, a performance prediction model based at least in part on the performance metrics, the performance prediction model comprising a machine learning algorithm trained to output, for an item provider of the item providers, expected performances associated with providing a unit of the item, the expected performances varying based at least in part on potential contexts and potential conditions, wherein the machine learning algorithm is trained based at least in part on a tuple that comprises a nested hierarchy of elements, wherein the elements comprise merchant identifiers, source locations, destination locations, contexts, and conditions, wherein, upon completion of training, the machine learning model outputs the expected performances corresponding to levels of the nested hierarchy;
receiving, by the computer system from a computing device of a consumer, a web search request for information about the item based at least in part on a web site hosted by the computer system and on an access of the computing device to the web site;
determining, by the computer system, a context associated with providing the unit of the item from a source location associated with the item provider to a destination location associated with the consumer, the destination location determined as a geo-location of the computing device based at least in part on the access to the web site;
determining, by the computer system from the one or more databases, a condition associated with a route for providing the unit of the item to the destination location;
generating, by the computer system based at least in part on input to the machine learning algorithm, a performance prediction associated with the item provider, the performance prediction comprising a predicted delivery time for providing the unit of the item and a likelihood for meeting the predicted delivery time, the input comprising an identifier of the provider, the context, and the condition, the performance prediction corresponding to a particular level of the nested hierarchy, wherein the particular level comprises the elements of the tuple;
sending, by the computer system to the computing device of the consumer, a web page of the web site for presentation in response to the web search request, the web page comprising the performance prediction, the identifier of the item provider, the predicted delivery time, and the likelihood for meeting the predicted delivery time;
initiating, by the computer system, the providing of the unit of the item via a carrier based at least in part on a selection of the item provider, the selection received from the computing device of the consumer based at least in part on the web page;
sending, by the computer system to the computing device of the consumer, notifications about progress of the providing of the unit of item, the notifications generated based at least in part on location tracking of the unit of the item, the location tracking comprising receiving a time and a location from a subscription service based at least in part on a scan of a barcode associated with the unit of the item, the subscription service available based at least in part on a subscription with the carrier, the notifications generated based at least in part on times and locations;
detecting, by the computer system based at least in part on the location tracking, a deviation between at least one of: the context and an updated context, or the condition and an updated condition, the updated context and the updated condition associated with the providing of the unit of the item;
generating, by the computer system, an update to the performance prediction based at least in part on inputting the deviation to the machine learning algorithm, the update comprising at least one of: an updated predicted delivery time or an updated likelihood for meeting the predicted delivery time; and
sending, by the computer system to the computing device of the consumer, a notification about the update to the performance prediction, the notification sent based at least in part on the deviation being detected and comprising a link to an updated web page, the updated web page comprising the updated predicted delivery time or the updated likelihood for meeting the predicted delivery time.

US Pat. No. 10,460,331

METHOD, MEDIUM, AND SYSTEM FOR SERVICE DESIGN AND ORDER FULFILLMENT WITH TECHNICAL CATALOG

Oracle International Corp...

1. A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor, cause the processor to optimize a technical catalog, the optimizing comprising:defining one or more items comprising metadata associated with a fulfillment solution, wherein each item is used by the fulfillment solution, wherein the metadata defines a pattern of work to be performed;
selecting a process logic at runtime from a set of selectable process logic;
generating a transformation sequence using the selected process logic;
generating dynamically a runtime process flow comprising a customized output based on the transformation sequence, wherein the transformation sequence is customized based on the metadata; and
storing the one or more items within the technical catalog, wherein the technical catalog comprises a data store that stores metadata, and wherein the technical catalog defines a structure of the one or more items;
wherein the runtime process flow further comprises selecting the fulfillment solution to use at least one item of the one or more items and generate the fulfillment solution using the at least one item.

US Pat. No. 10,460,330

INTELLIGENT FACE IDENTIFICATION

Capital One Services, LLC...

1. A system for enhancing customer service, the system comprising:a first client computing system comprising:
one or more image sensors;
a local visitor profile database;
one or more input/output devices;
a processor that is operably connected to the one or more image sensors, the local visitor profile database, and the one or more input/output devices; and
a computer-readable data storage device, operably connected to the processor and storing program instructions that, when executed by the processor, control the system to perform operations comprising:
detecting a plurality of individuals at a first location of a plurality of remote locations using the one or more image sensors;
performing facial recognition on the plurality of individuals using existing visitor profiles stored by the local visitor profile database;
determining, based on the facial recognition, known visitors and unknown visitors among the plurality of individuals;
generating new visitor profiles for the unknown visitors, wherein generating the new visitor profiles comprises capturing unique facial features of the unknown visitors based on the facial recognition and storing the unique facial features of each unknown visitor in association with a temporary visitor identification, wherein the temporary visitor identification comprises an alphabetic code, a numeric code, or an alphanumeric code;
obtaining identity information for the unknown visitors using the one or more input/output devices;
associating the identity information of the unknown visitors with the new visitor profiles;
accessing identity information of the known visitors based on the existing visitor profiles stored by the local visitor profile database;
obtaining personalized information for the known visitors from a central profile database of a central computing system based on the identity information of the known visitors;
providing the personalized information to the known visitors using the one or more input/output devices;
updating the existing visitor profiles and the new visitor profiles based on actions of the known visitors in the area and actions of the unknown visitors in the area, wherein the identity information for the unknown visitors is combined with the unique facial features and the temporary visitor identification of each of the unknown visitors to update the new visitor profiles, and wherein the actions comprise entering a retail location with a package and leaving the package unattended in the retail location; and
providing the updated visitor profiles to the central computing system, wherein the central computing system is configured to provide the updated visitor profiles to a second client computing system at a second location.

US Pat. No. 10,460,329

MANAGING POWER CONSUMPTION THROUGH AN INTERCONNECT SOCKET ADAPTER

1. A method of managing power consumption through an interconnect socket adapter, comprising:measuring, by a measurement module of a power regulation module, a user load power consumption amount consumed by a plurality of user loads, the plurality of user loads comprising at least one electrical sink;
measuring, by the measurement module, an electrical sink power consumption amount consumed by the at least one electrical sink connected to the power regulation module of the interconnect socket adapter;
determining, by the measurement module an overall power consumption amount, the overall power consumption amount based on the user load power consumption amount;
determining, by the measurement module, a threshold power consumption value by identifying a panel rating from a meter to which the interconnect socket adapter is connected and calculating the threshold power consumption value based on the panel rating; and
comparing the overall power consumption amount with the determined threshold power consumption value;
wherein, if the overall power consumption amount exceeds the threshold power consumption value, reducing the overall power consumption.

US Pat. No. 10,460,328

RATING AGGREGATION AND PROPAGATION MECHANISM FOR HIERARCHICAL SERVICES AND PRODUCTS

International Business Ma...

1. A method, in a hierarchical feedback aggregation (HFA) system implemented in a plurality of data processing systems, each data processing system comprising a processor and a memory, for collecting and presenting user feedback information for a computer provided composite offering, the method comprising:registering, by a backend engine of the HFA system executing in a first data processing system, a hierarchical feedback model for the computer provided composite offering, wherein the computer provided composite offering is one of a composite service or composite product comprising a plurality of computer implemented components operating in one or more computing devices, wherein the plurality of computer implemented components comprise at least one of computer implemented sub-services or computer implemented sub-products, and wherein the hierarchical feedback model comprises nodes representing the computer implemented components of the computer provided composite offering and edges representing relationships between the computer implemented components;
receiving, via a frontend engine of the HFA system executing in a second data processing system providing at least one computer implemented component of the computer provided composite offering, user feedback for an identified computer implemented component of the computer provided composite offering;
generating, by the backend engine of the HFA system, an aggregate user feedback score for the identified computer implemented component based on a combination of the user feedback for the identified computer implemented component and aggregate user feedback scores for child components of the identified computer implemented component in the hierarchical feedback model;
dynamically updating, by the backend engine of the HFA system, the hierarchical feedback model, to generate a modified hierarchical feedback model, based on the aggregate user feedback score for the identified computer implemented component, wherein dynamically updating the hierarchical feedback model comprises updating weights associated with edges in the hierarchical feedback model based on a function of a usage metric associated with the identified computer implemented component, and a distance of the edge from a first node, in the hierarchical feedback model, corresponding to the identified computer implemented component; and
outputting, by the backend engine, a representation of the generated aggregate user feedback score for the identified computer implemented component for decision support utilization, wherein the representation further comprises a representation of the modified hierarchical feedback model.

US Pat. No. 10,460,327

SYSTEMS AND METHODS FOR PERSISTENT CONTEXT-AWARE GUIDES

PALO ALTO RESEARCH CENTER...

1. A method for creating and using context-aware guides comprising:displaying, by a computer, a visible content portion from a corpus in a reading pane to a user;
deriving, by the computer, user interest information from the visible content portion;
determining, by the computer, a set of index items based on the corpus by combining a manually generated index with a list of entities extracted from the corpus, paid placement or advertising material, and protected works which are indexed, to obtain a combined list;
lexographically ordering and merging items in the combined list;
determining, by the computer, a set of user interface guide elements for the corpus that correspond to information items from a content portion that includes the visible content portion, wherein the information items from the content portion include annotations indicated by subscripts and are determined using the extracted entities, and wherein the user interface guide elements are based on the combined list;
determining, by the computer based on a degree of semantic overlap, an item of interest by comparing a determined index item to the derived user interest information,
wherein the item of interest comprises information in the reading pane which corresponds to a user interface guide element;
displaying, for a respective information item, an indicator in the reading pane indicating additional costs for accessing associated reference items;
displaying the user interface guide elements and corresponding interesting item indicators as a context-aware guide in a guide pane,
wherein a respective interesting item indicator provides an indicator of how much corpus information is associated with the determined item of interest and further provides fees or costs associated with access to the protected works,
wherein access to a displayed user interface guide element is purchased by selecting the displayed user interface guide element in the context-aware guide,
wherein the user interacts with the displayed user interface guide elements to purchase access to a single page of a work, a section of a work, a chapter, an entire work, and a collection of works, and
wherein a plurality of pages, including at least one recently-visited page and at least one page immediately linked-to by the current page, are used to provide context for creating the context-aware guide;
in response to receiving a request via a displayed user interface guide element to expand the item of interest, updating the context-aware guide displayed in the guide pane to display a new set of user interface guide elements associated with and displayed as sub-entries of the item of interest,
wherein at least one user interface guide element of the new set of user interface guide elements is not displayed in the visible content portion in the reading pane; and responsive to a user navigating to a new document or a new visible content portion, dynamically updating the displayed reading pane and the displayed user interface guide elements in the guide pane based on the user's current location within the new document or the new visible content portion.

US Pat. No. 10,460,326

COUNTERFEIT INTEGRATED CIRCUIT DETECTION BY COMPARING INTEGRATED CIRCUIT SIGNATURE TO REFERENCE SIGNATURE

Global Circuit Innovation...

1. A method, comprising:identifying connections between a device under test and a curve tracer to produce an optimal response, comprising:
selecting initial connections between the device under test and the curve tracer;
connecting, by the initial connections, the device under test-to the curve tracer;
displaying an initial device signature corresponding to the device under test;
selecting different connections, in response to different connections are available, between the device under test and the curve tracer;
connecting, by the different connections, the device under test to the curve tracer;
displaying a different device signature corresponding to the device under test;
repeating selecting different connections, connecting by the different connections, and displaying different device signatures for all possible different connections; and
selecting one of the initial connections and the different connections that produces the optimal response on the curve tracer;
connecting the device under test to the curve tracer with the identified connections;
displaying a device signature corresponding to the device under test on a screen of the curve tracer; and
comparing the device signature to a reference signature to determine if the device under test is counterfeit.

US Pat. No. 10,460,325

CUSTOMER SERVICE DASHBOARD

T-Moblie USA, Inc., Bell...

1. A method of interacting with a customer service agent for managing an account of a customer, comprising:generating a graphical customer interface, the graphical customer interface having first content relating to the account of the customer;
providing the graphical customer interface to a first device used by the customer for visible presentation by the first device, the graphical customer interface being used by the customer to manage the account of the customer;
generating a graphical administrative interface, the graphical administrative interface having second content relating to the account of the customer, the second content including administrative content that is not part of the first content;
providing a module selection menu as part of the graphical administrative interface, the module selection menu having multiple controls that are individually selectable to open respectively corresponding module panes, each module pane having content relating to the account of the customer, and a first module pane of the module panes presenting a list of one or more interrupted multi-step account management tasks that includes an indication of a most recently completed step of the one or more interrupted multi-step account management tasks;
generating a customer service dashboard comprising a composite of the graphical customer interface and the graphical administrative interface;
providing the customer service dashboard to a second device used by the customer service agent for visible presentation by the second device;
interacting with the customer service agent through the graphical customer interface to conduct at least part of a multi-step account management task;
interrupting the multi-step account management task in response to an action by the customer service agent;
receiving a selection from the list, by the customer service agent, of the multi-step account management task; and
in response to receiving the selection, resuming the multi-step account management task in the graphical customer interface.

US Pat. No. 10,460,324

CUSTOMIZED COMMUNICATION SCHEDULER

Square, Inc., San Franci...

1. A computer-implemented method for scheduling communication between a merchant associated with a point-of-sale (POS) terminal and a service agent associated with a payment processing system (PPS), the method comprising:providing, by a processor of the PPS, an engagement option on a user interface of a POS application executing on the POS terminal, the engagement option which when selected by the merchant indicates a technical failure;
detecting, by the processor of the PPS, an indication of the technical failure of a POS application executing on the POS terminal or a payment object reader connected to the POS terminal, wherein the detection is based at least on an interaction between the merchant and the engagement option;
obtaining, by a state machine of the PPS, a current state of the POS application or the payment object reader in response to the detected indication of the technical failure;
generating, by a processor of the PPS, a ticket including the current state, wherein the ticket indicates a merchant's request to establish communication of the PPS with the POS terminal or the merchant with the service agent;
obtaining, by a processor of the PPS, transaction history and transaction activity associated with the POS terminal;
predicting, by the processor of the PPS and using the transaction history, a time window within which the merchant or the POS terminal will be available to communicate with the PPS or service agent;
monitoring, a status of a current transaction on the POS terminal within the time window and prior to establishing communication between the PPS and the POS terminal;
wherein if the status indicates the current transaction has been completed or POS terminal is idle, establishing a communication channel between the POS terminal and the PPS during the time window; and
wherein if the status indicates that the current transaction is in progress,
deferring the establishment of the communication channel to another time window, wherein the other time window is determined by the PPS based on the status of the current transaction, the transaction history or on a merchant-specified time window; and
establishing the communication channel between the POS terminal and the PPS during the other time window;
and
wherein in response to establishing the communication channel between the POS terminal and the PPS either at the time window or the other time window, executing one or more remedial steps based on the identified troubleshooting path to resolve the technical failure and close the ticket.

US Pat. No. 10,460,323

SYSTEMS AND METHODS FOR COMMUNICATING INFORMATION

Facebook, Inc., Menlo Pa...

1. A computer-implemented method comprising:determining, by a computing system, that a user operating a first wireless communication device has selected a web-based option for establishing a wireless Voice over Internet Protocol (VOIP) communication with a second computing device, the web-based option associated with a content item provided to the first wireless communication device by the computing system;
determining, by the computing system, based on the selected web-based option, information to be provided to the second computing device;
correlating, by the computing system, at least one phone number from a set of available phone numbers with the information to be provided to the second computing device, wherein the at least one phone number is not an actual phone number of the first wireless communication device, wherein the information to be provided is stored by the computing system, and wherein the at least one phone number references the information to be provided;
establishing, by the computing system, the wireless VOIP communication between the first wireless communication device and the second computing device using the at least one phone number;
providing, by the computing system, to the second computing device, the at least one phone number as caller ID phone number information associated with the first wireless communication device when establishing the wireless VOIP communication; and
providing, by the computing system, to the second computing device, the information describing the content item associated with the web-based option and at least one or more attributes of a user operating the first wireless communication device, the information further describing the first wireless communication device and a network carrier through which the first wireless communication device is communicating, wherein the at least one or more attributes of the user include at least one of demographic information of the user and a rating indicating an importance of the user to an operator of the second computing device, wherein the demographic information includes information about whether the user is in a targeted gender and age group.

US Pat. No. 10,460,322

METHODS AND SYSTEMS FOR VERIFYING CARDHOLDER AUTHENTICITY WHEN PROVISIONING A TOKEN

Mastercard International ...

1. A computer-implemented method for verifying cardholder authenticity when provisioning a token, said method using an authentication server system having a processor and a memory, said method comprising:receiving, by the processor from a token requestor, a token request including a payment card account identifier provided by a payment requestor to the token requestor, the payment card account identifier identifying a payment card account associated with a cardholder;
determining, by the processor, a type of verification required by an issuer of the payment card account in association with the provisioning of the token;
receiving, by the processor from the token requestor, a plurality of authentication data, the plurality of authentication data responsive to the type of verification required and configured to determine if the payment requestor is the cardholder;
generating, by the processor, a network confidence score by evaluating the plurality of authentication data;
transmitting, by the processor, the network confidence score to the issuer, wherein the network confidence score enables the issuer to perform a threshold test to determine whether to allow the provisioning of the token;
receiving, by the processor from the token requestor, an accountholder authentication value (AAV);
determining, by the processor and based on the AAV, that the payment requestor has been authenticated through a separate authentication process initiated by the issuer;
determining, by the processor, an assurance level associated with the type of verification for the token, wherein the assurance level is determined based on the plurality of authentication data and represents a level of confidence in the type of verification;
generating, by the processor and based on the determination that the payment requestor has been authenticated through the separate authentication process initiated by the issuer, the token for the payment card account;
storing, in the memory, the token with the payment card account identifier and the assurance level; and
after storing the token and the assurance level in the memory, said method further includes:
receiving, by the processor via a payment card interchange network, a plurality of authorization requests from the token requestor for a corresponding plurality of payment card transactions, wherein each of the payment card transactions includes the token instead of the payment card account identifier;
retrieving, from the memory in response to each of the payment transactions, the assurance level captured when the token was generated and the payment card account identifier associated with the token, the assurance level and the payment card account identifier retrieved using the token; and
transmitting, by the processor via the payment card interchange network, the plurality of transaction authorization requests to the issuer, wherein each of the plurality of transmitted transaction requests is accompanied by at least one of (i) the retrieved assurance level and (ii) one or more transaction confidence scores, the one or more transaction confidence scores generated by the processor based on the retrieved assurance level.

US Pat. No. 10,460,321

REDUCING FALSE POSITIVES USING CUSTOMER FEEDBACK AND MACHINE LEARNING

STATE FARM MUTUAL AUTOMOB...

1. A computer-implemented method of reducing a future amount of electronic fraud alerts generated that are false positives using customer feedback, the method comprising:receiving, by one or both of (i) one or more processors and (ii) one or more transceivers, data detailing a financial transaction associated with a customer, the data detailing the financial transaction being transmitted from a merchant computer terminal over one or more radio links;
inputting, by the one or more processors, the data detailing the financial transaction into a rules-based engine that generates an electronic fraud alert based upon the data detailing the financial transaction;
transmitting, by one or both of (i) the one or more processors and (ii) the one or more transceivers, the electronic fraud alert to a mobile device of the customer via a wireless communication channel to alert the customer;
receiving, by one or both of (i) the one or more processors and (ii) the one or more transceivers, customer feedback from the mobile device of the customer via the wireless communication channel, the customer feedback indicating that the electronic fraud alert was a false positive or otherwise erroneous; and
inputting, by the one or more processors, the data detailing the financial transaction into a machine learning program that is trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of false positive fraud alerts generated in the future.

US Pat. No. 10,460,320

FRAUD DETECTION IN HETEROGENEOUS INFORMATION NETWORKS

Electronic Arts Inc., Re...

1. A fraud detection computing system comprising:a fraud detection data store configured to store a fraud detection model generated based at least in part on a metapath including a plurality of heterogeneous data nodes associated with transaction data and also based at least in part on a feature vector indicative of chances that a plurality of transactions were fraudulent; and
a fraud detection server including one or more processors in electronic communication with a transaction processing system and with the fraud detection data store;
wherein the fraud detection computing system is configured to:
access transaction data for an electronic transaction from the transaction processing system, wherein the electronic transaction comprises transaction data including a transaction identifier and heterogeneous data values associated with the plurality of heterogeneous data nodes;
during processing of an electronic transaction,
analyze the transaction data using the fraud detection model;
determine a fraud detection indicator based at least in part on an output of the fraud detection model, the fraud detection indicator indicating a chance that the electronic transaction is fraudulent;
based on a determination that the fraud detection indicator exceeds a fraud detection threshold, generate instructions for the transaction processing system to cancel the electronic transaction; and
provide the instructions to cancel the electronic transaction to the transaction processing system before completion of the electronic transaction;
wherein, to iteratively improve the fraud detection model, the fraud detection computing system is configured to:
evaluate a plurality of test transactions using the fraud detection model to generate a plurality of risk scores associated with the test transactions;
determine a test feature vector based at least in part on the plurality of test transactions and the plurality of risk scores associated with the test transactions; and
regenerate the fraud detection model based at least in part on the test feature vector.

US Pat. No. 10,460,319

MULTI-COMMERCE CHANNEL WALLET FOR AUTHENTICATED TRANSACTIONS

MASTERCARD INTERNATIONAL ...

1. A method for eliminating the need for an authentication pop-up window during an authentication process of an electronic transaction between a cardholder and a merchant over a payment network, the cardholder using a mobile device having an electronic wallet application that enables entry by the cardholder of authentication credentials within the electronic wallet application, and that is in communication with a merchant plug-in via an electronic wallet API, the method being carried-out by the merchant plug-in and comprising the steps of:receiving, by the merchant plug-in, a cardholder authentication request from the electronic wallet application via the electronic wallet API;
sending, by the merchant plug-in, a payer authentication request to an access control server device;
receiving, by the merchant plug-in, cardholder authenticating criteria in HTML markup from the access control server device and in response to the payer authentication request;
extracting, by the merchant plug-in, the cardholder authenticating criteria from the HTML markup;
translating, by the merchant plug-in, the cardholder authenticating criteria from the HTML markup into a protocol compatible with the electronic wallet API;
sending, by the merchant plug-in, the translated authenticating criteria to the electronic wallet application via the electronic wallet API;
receiving, by the merchant plug-in, from the electronic wallet API, cardholder authentication credentials entered by the cardholder via an interface of the electronic wallet application;
translating, by the merchant plug-in, the cardholder authentication credentials into a format for communication by the merchant plug-in to the access control server device using a HTTP POST command; and
sending, by the merchant plug-in, the translated cardholder authentication credentials to the access control server device for validation.

US Pat. No. 10,460,318

EVENT NOTIFICATIONS FOR MULTIPLE SERVICES

1. A method comprising:receiving, by a processor of a telecommunications network operated by a network service provider, a first event notification of a first event from a device of a first service provider that is providing a service to a user, wherein the network service provider is distinct from the first service provider;
determining, by the processor, that the first service provider and the first event are of a type of service provider and a type of event, respectively, that the user has consented to receive the first event notification;
sending, by the processor, a message in a unified message format to a device of the user, the message comprising the first event;
receiving, by the processor, a response from the device of the user containing a first indication of whether the first event is an authorized event;
sending, by the processor, the first indication of whether the first event is an authorized event to the device of the first service provider;
receiving, by the processor, a second event notification of a second event, from a device of a second service provider, wherein the network service provider is distinct from the second service provider;
determining, by the processor, whether the second event is an authorized event based upon the response from the device of the user containing the first indication of whether the first event is an authorized event; and
sending, by the processor, a second indication of whether the second event is an authorized event to the device of the second service provider.

US Pat. No. 10,460,317

HANDS-FREE TRANSACTION TOKENS VIA PAYMENT PROCESSOR

GOOGLE LLC, Mountain Vie...

1. A computer-implemented method to conduct automatic, hands-free transactions by transmitting transaction tokens to merchant computing systems based on beacon identifiers and transaction tokens received from user computing devices, comprising:generating, by the payment processing computing system, a beacon identifier associated with a merchant computing system;communicating, by the payment processing computing system, the beacon identifier to a merchant computing system computing device associated with the merchant computing system;receiving, by the payment processing computing system, an automatic communication from a hands-free payment application on a user computing device, the communication comprising a transaction token, an identification of a user account associated with a user, and the beacon identifier;
verifying, by the payment processing computing system, the transaction token, wherein the transaction token is verified by comparing the received beacon identifier to a list of approved beacon identifiers;
transmitting, by the payment processing computing system, the transaction token to the merchant computing system computing device associated with the beacon identifier;
after transmitting the transaction token to the merchant computing system computing device, receiving, by the payment processing computing system, from the merchant computing system computing device, a transaction request, the transaction request comprising the transaction token and transaction data associated with a purchase transaction;
verifying, by the payment processing computing system, that the transaction token received from the merchant computing system computing device matches the transaction token received from the a-hands-free payment application on the user computing device; and
based on the matched transaction token, authorizing, by the payment processing computing system, the transaction between the user account and the merchant computing system based on the received transaction token and transaction request.

US Pat. No. 10,460,316

TWO DEVICE AUTHENTICATION

PAYPAL, INC., San Jose, ...

1. A method of performing on-line transactions, comprising:generating, by a processor of a payment provider, a transaction identifier (ID) based on information received from a first user device for a transaction that is initiated by a user without the user entering authentication information of the user, the authentication information including a password, wherein the transaction ID is generated without the authentication information of the user;
transmitting the transaction ID to the first user device;
receiving the transaction ID from a second user device that is electronically coupled to the first user device via one of the following protocols: Bluetooth, Radio Frequency (RF), Infrared (IR), microwave, Near Field Communication (NFC), RF identification (RFID), or Ultra Wideband, wherein the transaction ID is automatically communicated electronically from the first user device to the second user device, in response to an electronic discovery or electronic pairing process between the first user device and the second user device;
receiving, from the second user device, user identification information that identifies an account of the user with the payment provider;
after the receiving of the transaction ID and the user identification information, initially authenticating, by the processor of the payment provider and without manually-entered user authentication information, the user for the transaction, wherein the initially authenticating comprises:
locating the account of the user by matching the received user identification information with stored user identification information of a plurality of users;
locating the transaction based on the received transaction ID; and
granting, to the first user device or the second user device, access to the account of the user in response to the locating of the account of the user and the locating of the transaction; and
processing the transaction in response to the initially authenticating.

US Pat. No. 10,460,315

REMOTE ACCOUNT CONTROL SYSTEM AND METHOD

JPMORGAN CHASE BANK, N.A....

1. A computer-implemented account control system for providing security to and preventing unauthorized use of a financial account associated with an account holder and with a financial institution, the system comprising:at least one computer memory having stored instructions; and
a computer processor accessing and executing the stored instructions to:
provide a graphical user interface operable to display a website on an account holder device, the website being hosted by a host server associated with the financial institution and providing selectable options for financial account activation and financial account deactivation, wherein the graphical user interface is further operable to receive prior to an unauthorized use an account holder command requesting the financial account activation or deactivation with respect to one or more of a plurality of selected goods or services during a specified time frame, thereby enabling transmission of the account holder command entered through the website to the host server;
receive and process the account holder command and transmit an alert to an account holder mobile device;
verify and authenticate the account holder command and indicate a change in a financial account status from an active state to an inactive state or from the inactive state to the active state with respect to the one or more of a plurality of selected goods or services during the specified time frame; and
change the financial account status from the active state to the inactive state or from the inactive state to the active state with respect to the one or more of a plurality of selected goods or services during the specified time frame in accordance with the received account holder command in real time and alert the account holder in real time to the change in the financial account status and to an attempted transaction by transmitting an alert to the account holder mobile device and providing, an option on the account holder mobile device to accept or dispute the attempted transaction in real time,
wherein the processor is further configured to access and executed the stored instructions to use at least one from among an image captured by an image capturer and biometric data collected by a sensor to authenticate a requestor as the account holder.

US Pat. No. 10,460,314

PRE-GENERATION OF SESSION KEYS FOR ELECTRONIC TRANSACTIONS AND DEVICES THAT PRE-GENERATE SESSION KEYS FOR ELECTRONIC TRANSACTIONS

CA, Inc., New York, NY (...

1. A method of securing a transaction between a user terminal and a transaction terminal, comprising:generating, using a processing circuit of the user terminal, a plurality of session cryptographic keys from a master cryptographic key on the user terminal and based on a plurality of possible values of a transaction counter;
securing the plurality of session cryptographic keys, wherein said securing comprises:
deleting the master cryptographic key from the user terminal after generating the plurality of session cryptographic keys to prevent regeneration of the plurality of session cryptographic keys; and
encrypting, using the processing circuit of the user terminal, the plurality of session cryptographic keys to provide a plurality of encrypted session cryptographic keys;
storing the plurality of encrypted session cryptographic keys and one of the plurality of possible values of the transaction counter in the user terminal;
generating, using the processing circuit of the user terminal after deleting the master cryptographic key from the user terminal, a cryptogram that is based on a first one of the plurality of encrypted session cryptographic keys and based on transaction data for the transaction;
transmitting the cryptogram to the transaction terminal over a computer network between the transaction terminal and the user terminal;
updating the transaction counter; and
deleting the first one of the plurality of encrypted session cryptographic keys from the user terminal after generating the cryptogram.

US Pat. No. 10,460,313

SYSTEMS AND METHODS OF INTEGRATED IDENTITY VERIFICATION

United Services Automobil...

1. A computer-based system of electronic identity verification across multiple services, comprising:at least one processor; and
at least one storage medium in communication with said processor, said at least one storage medium storing instructions that when executed by a processor causes the processor to perform:
receiving, by a password vault software module, a plurality of credential for respective user-chosen services;
storing, by the password vault software module, the plurality of credentials for the respective user-chosen service;
performing, by a federated identity software module, a single sign-on credential for a plurality of subscribing services;
receiving, by a common login software module, logins from a user, wherein the common login software module is accessible to both the password vault software module and the federation identity software module;
authenticating, by the common login software module, the user based on the logins;
providing, by the common login software module to the user, access to both the user-chosen services and the plurality of subscribing services based on the authentication;
migrating stored user credentials in said password vault software module to said federated identity software module when one of the user-chosen service becomes a subscribing service among the plurality of subscribing services.

US Pat. No. 10,460,312

SYSTEMS AND METHODS FOR DIGITAL ACCOUNT ACTIVATION

WELLS FARGO BANK, N.A., ...

21. A computer-implemented method, comprising:receiving, by a financial institution computing system associated with a financial institution, a first input from a customer to establish an account at the financial institution and to have a physical payment card associated with the financial institution account;
approving, by the financial institution computing system, the customer for the financial institution account based on registration information received from the customer that establishes the financial institution account;
establishing, by the financial institution computing system, the financial institution account for the customer based on the registration information, wherein establishing the financial institution account includes generating a card number for the physical payment card and associating the card number with a first status indicator, the first status indicator being associated with an inactive status of the physical payment card;
in response to establishing the financial institution account, transmitting, by the financial institution computing system, a prompt instructing the customer to establish a personal identification number (PIN) for the financial institution account;
receiving, by the financial institution computing system, a customer-input PIN that establishes the PIN for the financial account in response to the prompt;
receiving, by the financial institution computing system, a second input from the customer via an interface generated by a mobile wallet application on a mobile device associated with the customer, the second input including customer mobile wallet information comprising identification information and mobile wallet application login information;
identifying, by the financial institution computing system, the financial institution account based on the customer mobile wallet information;
receiving, by the financial institution computing system, a third input from the customer to provision the financial institution account to the mobile wallet application before creation of the physical payment card;
provisioning, by the financial institution computing system, the account to the mobile wallet application by creating a token for the card number; and
associating, by the financial institution computing system, the card number with a second status indicator, the second status indicator associated with a digitally-active status that enables the customer to perform transactions with a merchant using the token via the mobile wallet application.

US Pat. No. 10,460,311

KIOSK GIFT CARD SYSTEM AND METHOD

ARCH HOLDINGS, LP, Carro...

1. A kiosk gift card manufacturing system communicating with a gift card management server (GMS) by means of a computer communications network (CCN), said kiosk gift card manufacturing system comprising:(a) a kiosk processor interface (KPI);
(b) a kiosk card reader (KCR);
(c) a gift card dispenser (GCD);
(d) a gift card collector (GCC); and
(e) a gift card printer (GCP);
wherein:
said KPI is configured to electronically communicate with said GMS through said CCN;
said KPI is configured to enable users to interact with said GMS through said CCN;
said GMS is configured to provide said users with options to purchase user-selected gift cards;
said GMS is configured to provide said users with options to redeem value within or consolidate monetary value from within one or more pre-existing gift cards;
said GCP is configured to print said user-selected gift cards upon receiving a payment from said user;
said user-selected gift cards are associated with a gift card value;
said GCS is configured to provide blank cards for said user-selected gift card printing to said GCP;
said KPI is configured to communicate with a second kiosk gift card manufacturing system via said CCN to affect printing of said user-selected gift cards on said second kiosk gift card manufacturing system.

US Pat. No. 10,460,310

MOBILE TRANSACTION DEVICE ENABLING DYNAMIC ELECTRONIC CHECKINS

PayPal, Inc., San Jose, ...

1. A system, comprising:a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determining an indication of an event based on transactions associated with a plurality of merchants within a geographical boundary;
accessing a merchant group for the event, wherein the merchant group is associated with the geographical boundary and comprises the plurality of merchants;
receiving, from a merchant device associated with a first merchant, a merchant group request;
determining that a location of the merchant device is within the geographical boundary;
in response to determining that the location of the merchant device is within the geographical boundary, adding the first merchant to the merchant group associated with the geographical boundary, wherein the adding the first merchant to the merchant group enables the first merchant to be discoverable by a mobile transaction device located within the geographical boundary; and
providing, on the mobile transaction device, a user interface configured to allow a user of the mobile transaction device to conduct an electronic transaction with a merchant of the merchant group when the mobile transaction device is detected to be within the geographical boundary.

US Pat. No. 10,460,309

PAYMENT VERIFICATION METHOD, APPARATUS AND SYSTEM

Alibaba Group Holding Lim...

1. A method implemented by one or more computing devices, the method comprising:receiving, from a receiver access point (AP), a verification request by a terminal of a payer to be verified to wirelessly connect to a wireless router of the receiver AP and geographical location information of the receiver AP, the verification request including account information of the payer to be verified;
verifying the account information of the payer to be verified according to the verification request to determine whether the account information of the payer to be verified matches with pre-stored payment account information registered by a user at a payment server;
returning a verification result of the verification request to the receiver AP, wherein a matching verification result causes the receiver AP to allow the terminal of the payer to wirelessly connect to the wireless router, and a non-matching verification result causes the receiver AP to prevent the terminal of the payer from wirelessly connecting to the wireless router;
receiving a payer terminal geographical location information verification request from the payment server in response to the verification result of the verification request indicating a match;
comparing the geographical location information of the receiver AP with pre-stored geographical location information of a registered receiver AP and determining a verification result of the payer terminal geographical location information verification request, wherein the verification result indicates that the terminal of the payer is located at an authorized payment site if the geographical location information of the receiver AP matches the pre-stored geographical location information, and otherwise indicates that the terminal of the payer is not located at the authorized payment site;
and returning the verification result to the payment server.

US Pat. No. 10,460,308

CROWD-LOCATION BASED TRANSACTIONS

1. A method, comprising:identifying, by a system comprising a processor, identities of respective business entities located within a cell sector of wireless service coverage;
determining, by the system, that a number of mobile devices that occupy the cell sector at a defined time satisfies a defined function that is based on an average occupation of the cell sector by the mobile devices over a defined time interval and a business type of the respective business entities, wherein the number of the mobile devices that occupy the cell sector at the defined time satisfies the defined function at least in part by the number of the mobile devices being determined to be greater than a defined threshold number that is equal to an average occupation number representing the average occupation of the cell sector by the mobile devices over the defined time interval in addition to an occupation offset number associated with a business entity of the respective business entities; and
in response to the determining,
determining, by the system, demand information representative of a transactional demand of a mobile device of the mobile devices based on a profile of the mobile device,
matching, by the system, the transactional demand to a commerce supply of the business entity, wherein the business entity is determined to be occupying the cell sector, and
determining, by the system, based on the transactional demand, a commerce asset associated with the commerce supply for a transaction between the mobile device and a device associated with the business entity, wherein the device is configured to fulfill a portion of the transaction.

US Pat. No. 10,460,307

METHODS AND DEVICES FOR FRAUD DETECTION BASED ON ROAMING STATUS

Rogers Communications Inc...

1. A computer-implemented method comprising:receiving, by a wireless service provider server associated with a wireless service provider, an indication that an electronic device associated with a subscription service package of the wireless service provider has connected to a network;
identifying, by the wireless service provider server based on the indication, a roaming condition associated with the electronic device by determining that the network to which the electronic device has connected is not a home network of the electronic device;
determining, by the wireless service provider server, that subscription preferences associated with the electronic device authorize a request for authorization to notify a financial institution of the roaming status of the electronic device to be sent to the electronic device;
in response to determining that the subscription preferences authorize the request to be sent, sending, by the wireless service provider server to the electronic device via the network, the request for authorization, wherein the electronic device is configured to generate a prompt requesting confirmation to authorize the wireless service provider to notify the financial institution as to the roaming status of the electronic device in response to receiving the request;
receiving, by the wireless service provider server from the electronic device via the network, confirmation of authorization to notify the financial institution of the roaming status of the electronic device; and
in response to receiving the confirmation of authorization to notify the financial institution:
retrieving, by the wireless service provider server, financial institution information associated with the electronic device, the financial institution information identifying the financial institution; and
sending, by the wireless service provider server to a financial institution server associated with the identified financial institution, a notification of the roaming status of the electronic device, wherein the financial institution server is configured to:
identify, based on the notification of the roaming status of the electronic device, a region where the electronic device is roaming;
identify a location associated with a point of sale terminal originating a financial transaction; and
determine whether to allow the financial transaction based on whether the location associated with the point of sale terminal is within or near the region where the electronic device is roaming.

US Pat. No. 10,460,306

CREDIT DATA ANALYSIS

Capital One Services, LLC...

1. A method, comprising:receiving, by a device, transaction data associated with a plurality of merchants,
the transaction data including data specifying a first set of transactions and, for each transaction included in the first set of transactions:
data identifying a merchant from the plurality of merchants, and
a method of payment from a plurality of methods of payment;
identifying, by the device and from the first set of transactions, a second set of transactions,
each transaction included in the second set of transactions being associated with a credit account method of payment from the plurality of methods of payment;
training, by the device and based on the first set of transactions and the second set of transactions, a merchant model,
the merchant model being trained to:
receive, as input, data identifying the merchant, and
produce, as output, a measure of likelihood that the merchant accepts the credit account method of payment;
providing, by the device and as particular input to the merchant model, particular data identifying a particular merchant of the plurality of merchants;
receiving, by the device and as particular output from the merchant model, a particular measure of likelihood that the particular merchant accepts the credit account method of payment;
determining, by the device and based on the particular output, that the particular merchant does not accept the credit account method of payment;
determining, by the device and based on the transaction data and for the particular merchant, a measure of demand for the credit account method of payment;
providing, by the device and to a merchant device associated with the particular merchant, data indicating the measure of demand for the credit account method of payment; and
providing, by the device, to the merchant device, and based on determining that the particular merchant does not accept the credit account method of payment, data identifying at least one credit account acceptance option.

US Pat. No. 10,460,305

GEOFENCED PAYMENTS

WELLS FARGO BANK, N.A., ...

1. A computer-implemented method for providing a payment to a recipient for completion of a task assignment, the method comprising:receiving, by a processor, based on a user selection, the task assignment specified by a user and assigned to a recipient by the user, the task assignment including a geographic location in which the recipient is to perform the task assignment and a scheduled start time indicating when the recipient is to start performing the task assignment;
determining, by the processor, that the recipient is within the geographic location based on information received from a mobile device of the recipient, wherein the information is received before and after the scheduled start time, wherein determining that the recipient is within the geographic location comprises communicating with a tracking device located within the geographic location, and wherein the tracking device includes a wireless connection;
monitoring, by the processor, a position of the recipient within the geographic location:
determining, by the processor, movements of the recipient within the geographic location based on monitoring the position of the recipient within the geographic location; and
transferring, by the processor and responsive to determining that the recipient is within the geographic location before or at the scheduled start time, the payment to the recipient for completion of the task assignment via a payment network, wherein transferring the payment to the recipient is further based on determining, by the processor, that the movements of the recipient within the geographic location fit predefined movement parameters associated with the task assignment.

US Pat. No. 10,460,304

METHOD AND SYSTEM FOR INTERROGATING AND PROCESSING CODES

United States Postal Serv...

1. A coupon code scanning and processing system, comprising:a wireless computing device comprising:
a scanner configured to scan a coupon and an item code, the coupon relating to an item, and the item code identifying the item;
a memory configured to store data indicative of the coupon and to store data associated with the coupon, the stored data associated with the coupon comprising a whole or partial bitmap of the coupon and a coupon code;
a processor configured to receive the item code and to character recognize the whole or partial bitmap to identify a particular coupon code, and wherein the processor is further configured to determine whether data indicative of the particular coupon code relating to the item identified by the item code is present in the memory;
a display configured to display the whole or partial bitmap of the coupon received in the scanner; and
an automated processing subsystem configured to receive the coupon code from the whole or partial bitmap displayed on the wireless computing device and to provide a benefit associated with the coupon corresponding to the data associated with the coupon in a transaction involving the item identified by the item code.

US Pat. No. 10,460,303

LOSS PREVENTION IN SELF-SERVICE RETAIL CHECKOUT USING SMART ALARMS

Disney Enterprises, Inc.,...

1. A method, comprising:as part of a first purchase transaction for a first grouping of products:
receiving, from a self-checkout platform executed on a mobile device associated with a unique customer identifier, while the mobile device is in a store, data values of one or more barcodes of the first grouping of products;
storing at least one indication in a data store that the first grouping of products has been purchased; and
storing, in association with the at least one indication in the data store, a first count of the first grouping of products;
receiving, from an RFID reader proximate to an entrance or exit of the store, a first set of item-specific identifiers stored in a first set of radio frequency identification (RFID) tags associated with the first grouping of products;
determining a second count for the first set of item-specific identifiers;
cross-referencing the first set of item-specific identifiers and the determined second count with the at least one indication and the first count stored in the data store to attempt to verify the first purchase transaction of the first grouping of products via the self-checkout platform, wherein cross-referencing further comprises determining whether the first set of item-specific identifiers are associated with a respective indication specifying that the first grouping of products have been purchased by the customer associated with a unique customer identifier, wherein the unique customer identifier is associated with the mobile device; and
upon determining that the second count does not match the first count, generating a security notification related to the first grouping of products.

US Pat. No. 10,460,301

OBTAINING INSTANT CREDIT AT A POS WITH LIMITED INFORMATION

PAYPAL, INC., San Jose, ...

1. A method comprising:receiving, by one or more processors of a payment provider, a payment request from a transaction device at a merchant point of sale (POS);
receiving, by the one or more processors of the payment provider, identification information for a user via the merchant POS, wherein the identification information does not include financial information associated with the user;
accessing, by the one or more processors of the payment provider, a database to identify an account from a plurality of accounts that corresponds to the identification information;
receiving, by the one or more processors of the payment provider, verification information of the user via the merchant POS, wherein the received verification information is received after the account of the user is identified, and wherein the received verification information does not include the financial information associated with the user;
in response to determining that the received verification information corresponds to a stored verification information stored in association with the identified account in the database, approving the payment request; and
in response to the approving, processing, by the one or more processors of the payment provider, the payment request, using the account of the user.

US Pat. No. 10,460,300

METHOD OF PREVENTING FRAUD AND THEFT DURING AUTOMATED TELLER MACHINE TRANSACTIONS AND RELATED SYSTEM

MULTIMEDIA IMAGE SOLUTION...

1. A method of preventing fraud and theft during automated teller machine (ATM) transactions, the method comprising:recording a video stream using a camera mounted on or near the ATM, the camera being positioned to record the face of a user of the ATM and a background behind the user;
providing a facial model database containing images of a large number of people taken from different angles, the facial model database containing images of unobscured faces as well as obscured faces;
receiving insertion of a bank card into the ATM;
comparing images captured from the recorded video stream with images contained in the facial model database, and producing a corresponding first face comparison result;
issuing a notice for the user to uncover the user's face when the first face comparison result indicates that the user's face is obscured;
analyzing the recorded video stream to monitor a background behind the user;
detecting at least one unidentified person in the background;
recording the face of the at least one unidentified person;
comparing images of the at least one unidentified person with images contained in the facial model database, and producing a corresponding second face comparison result and
issuing a warning when the second face comparison result indicates that the at least one unidentified person's face is obscured.

US Pat. No. 10,460,299

METHODS AND SYSTEMS FOR SYSTEMATIC RECOGNITION OF RECURRING PAYEES AND PAYMENTS

United Services Automobil...

10. A system comprising:one or more processors; and
a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the system to
categorize payees in a set of user transaction data of a user as a recurring payee or a non-recurring payee of the user based at least in part on:
a schedule of payments to the payees, and
a merchant category code of each of the payees and an amount of a payment by the user to each of the payees as compared to payments made to a same one of the payees by others within a geographic area of the user;
generate a list of the categorized recurring payees;
identify recurring payments associated with the categorized recurring payees; and
in response to the user logging onto an organizational website, automatically update the list of the categorized recurring payees and the associated identified recurring payments.

US Pat. No. 10,460,298

DETECTING AND CORRECTING ACCOUNT SWAP IN BANK FEED AGGREGATION SYSTEM

Intuit Inc., Mountain Vi...

1. A computing system implemented method for detecting and addressing accounts swaps in a financial management system, the method comprising:obtaining financial transaction data including first financial account data and second financial account data, the first financial account data including financial transactions associated with a first financial account, the second financial account data including financial transactions associated with the second financial account;
generating, using first account financial transactions of the first account, first account distribution data including types of first account financial transactions, a frequency of first account financial transactions, parties to the first account financial transactions, amounts of money associated with the first account financial transactions and geographic areas where first account financial transactions have taken place;
generating, using second account financial transactions of the second account, second account distribution data including types of second account financial transactions, a frequency of second account financial transactions, parties to the second account financial transactions, amounts of money associated with the second account financial transactions and geographic areas where second account financial transactions have taken place;
identifying a first change point in the first financial transaction data corresponding to a change in one or more of the types of first account financial transactions, the frequency of first account financial transactions, the parties to the first account financial transactions, the amounts of money associated with the first account financial transactions and geographic areas where first account financial transactions have taken place;
identifying a second change point in the second financial transaction data corresponding to a change in one or more of the types of second account financial transactions, the frequency of second account financial transactions, the parties to the second account financial transactions, the amounts of money associated with the second account financial transactions and the geographic areas where second account financial transactions have taken place;
determining whether the first change point occurred at the same time as the time of the second change point;
generating, upon a determination that the first change point occurred at the same time as the time of the second change point, adjusted financial transaction data by swapping between the first and second financial accounts financial transactions that occurred after the first and second change points;
determining, after generating the adjusted financial transaction data, whether the first and second change points no longer exist; and
adjusting, upon a determination that the first and second change points no longer exist, one or more data collection scripts to properly assign future financial transactions to the first and second financial accounts.

US Pat. No. 10,460,297

SYSTEM AND METHOD FOR INTELLIGENTLY INTERFACING WITH FINANCIAL INFORMATION

CAPITAL ONE SERVICES, LLC...

1. A method of configuring an interactive user interface for intuitively executing a financial transaction request via a mobile computing device, the method comprising:transmitting, to the mobile computing device, the user interface for display on a touch-screen display of the mobile computing device, the user interface including:
a first logical region having first predetermined boundaries, the first logical region being associated with one or more financial accounts associated with a user and being configured to display, responsive to receiving user input corresponding to the first logical region, one or more account subregions, each of the one or more account subregions disposed within the first logical region and associated with a corresponding financial account of the one or more financial accounts; and
a second logical region having second predetermined boundaries, the second logical region non-overlapping with respect to the first logical region and being associated with transactional information of the user account and being configured to transition, responsive to receiving user input corresponding to the second logical region, between displaying a first level of transactional data having a first granularity and a second level of transaction data having a second granularity that is greater than the first granularity, the second level of transaction data comprising a plurality of transactional subregions, each of the transactional subregions being associated with a corresponding future transaction;
receiving, via the user interface, a multi-part selection including:
a first touch input associated with selection of an account subregion of the one or more account subregions; and
a second touch input associated with selection of a transactional subregion of the plurality of transactional subregions, each of the first and second touch inputs including a drag and drop selection, long touch selection, and/or multitouch selection; and
responsive to determining that the received multi-part selection is indicative of the financial transaction request, initiating, via a processor, a financial transaction from the financial account associated with the selected account subregion and for the future transaction associated with the selected transactional subregion.

US Pat. No. 10,460,296

SYSTEM FOR PROCESSING DATA USING PARAMETERS ASSOCIATED WITH THE DATA FOR AUTO-PROCESSING

Bank of America Corporati...

6. A computerized method for processing a set of information associated with a check image using one or more disposition parameters to determine an automated disposition of a check associated with the check image, the method comprising:scanning check images of a batch of physical checks;
initiating batch processing of the batch of physical checks;
determining a quality of the check image;
performing optical character recognition to extract text from the check image;
determining a quality of the extracted text;
identifying an issue associated with the check images based on the quality of the check images or the quality of the extracted text;
determining whether the issue is associated with a specific check or whether the issue is associated with the batch of physical checks;
in response to determining that the issue is associated with the batch of physical checks, determining automated disposition of the batch of physical checks based on the quality of the check image and the quality of the extracted text; and
executing the automated disposition of the batch of physical checks, wherein executing the automated disposition further comprises sending control signals to a mechanical apparatus, the control signals being configured to cause the mechanical apparatus to physically place the batch of physical checks in a check repository associated with a financial institution.

US Pat. No. 10,460,295

SYSTEMS AND METHODS FOR REMOTE DEPOSIT OF CHECKS

UNITED SERVICES AUTOMOBIL...

1. A system comprising:a memory; and
a processor in communication with the memory, the processor configured to:
establish a secure connection over a communication network with a remote user device;
receive an image of a check captured by an image capture device coupled to the remote user device over the secure connection, wherein the image of the check is in a first data format;
perform optical character recognition on the image of the check to determine information about the check, including optical character recognition of a Magnetic Ink Character Recognition (MICR) line in the image of the check, wherein the determined information includes MICR line information;
generate a supplemental image of the check in a second data format from the image of the check in the first data format, wherein an image quality of the check in the first data format is higher than an image quality of the check in the second data format and the second data format is a bi-tonal format;
store both the image of the check and the supplemental image of the check in a log file;
store the information about the check in the log file;
access the log file; and
deposit the check into a customer account based, at least in part, on the image of the check, the supplemental image of the check, and the information accessed from the log file.

US Pat. No. 10,460,294

DETECTION OF ERRORS IN TRANSACTION CHANNELS USING ELECTRONIC TRANSACTION MONITORING

Wells Fargo Bank, N.A., ...

1. A method comprising:generating, using a computer at a plurality of nodes that perform actions in a transaction channel, reception records that memorialize receptions by the nodes of transaction items that represent financial transactions, each of the reception records including:
a transaction item identifier that uniquely identifies the transaction item,
a node identifier that uniquely identifies the computer associated with the node that generated the reception record,
a timestamp that identifies a time when the node received the transaction item,
a transaction channel identifier that identifies the transaction channel, the transaction channel being a series of actions performed internally by a financial institution to execute the transaction represented by the transaction item at the financial institution, and
a transaction expiration time that indicates an expiration time for the reception record,
wherein a separate reception record is generated for each of the plurality of nodes in the transaction channel;
storing, by an operations center computer, the reception records in a reception records database;
updating, by the operations center computer, the reception records in the reception records database as the nodes receive and transmit the transaction items through the transaction channel;
automatically analyzing, by the operations center computer, the reception records to determine whether a given node that performs one of the actions in the transaction channel failed to receive a target transaction item within an expected time, wherein an error has occurred when the given node failed to receive the target transaction item within the expected time, and wherein the target transaction item is one of the transaction items;
performing a remediation process that attempts to remediate the error when the given node failed to receive the target transaction item within the expected time, wherein the remediation process includes determining whether the reception records are a duplicate of a reception record associated with a different transaction channel;
receiving, at a local facility, a paper financial document that represents a target financial transaction;
in response to receiving the paper financial document, generating, at the local facility, a digital version of the paper financial document that represents the paper financial document; and
transmitting, via a computer network, the digital version of the financial document from the local facility to one of the nodes that performs the target financial transaction in response to receiving the digital version of the financial document,
wherein the digital version of the financial document is the target transaction item.

US Pat. No. 10,460,292

PREVENTING ACTIVITY DELAYS USING SMART DEVICE ANALYSIS

International Business Ma...

1. A method, the method comprising:determining, by one or more processors of a biometric device, a heartrate and a blood pressure of a user, wherein the biometric device includes one or more sensors;
predicting, by one or more computer processors, a future activity of a user based on a schedule of the user, the determined heartrate and blood pressure of the user, and a historical database of activities of the user, wherein
the future activity of the user is an activity of a set of scheduled activities of the user in a pre-defined time period;
determining, by the one or more computer processors, a current activity of the user based on the schedule of the user and a current biometric of the user;
determining, by the one or more computer processors, an interest level of the user for the current activity based on the historical database of activities of the user and the current biometric of the user, wherein
the historical database of activities of the user comprises historical biometrics of the user associated with past activities that match the current activity; and
the current biometric is a continuous measurement of biometrics of the user while the user performs the current activity;
determining, by the one or more computer processors, an expected interest level of the user for the future activity based on the historical database of activities;
estimating, by the one or more computer processors, a duration of the current activity;
determining, by the one or more computer processors, that a scheduling conflict exists between the future activity of the user and the current activity of the user based on the schedule of the user, the interest level of the user for the current activity, the expected interest level of the user for the future activity, the relative importance of the future activity compared to the current activity, and the duration of the current activity; and
responsive to determining that the scheduling conflict exists, sending, by the one or more computer processors, a first notification to the user.

US Pat. No. 10,460,291

INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND COMPUTER PROGRAM FOR SCHEDULING ACTIVITIES MODELLED FROM ACTIVITIES OF THIRD PARTIES

SONY CORPORATION, Tokyo ...

1. An information processing apparatus comprising:at least one processor configured to
generate presentation information to present a plurality of selectable action logs based on lifestyle information, each selectable action log corresponding to activity performed by one or more of a plurality of third parties, wherein the presentation information includes
a display process that maps each third party of the one or more third parties corresponding to each selectable action log presented in a navigator selection screen by a classified level of activity of the third party on a first axis and by a frequency of activity of the third party on a second axis,
a scheme for achieving the activity corresponding to each selectable action log, and
feelings of at least one of the plurality of third parties when achieving the activity corresponding to at least one selectable action log;
receive an action log acquisition instruction by a selection by a user of a selected action log corresponding to a selected third party navigator from among the mapped one or more third parties presented in the navigator selection screen; and
incorporate a schedule into schedule information of the user based on the received action log acquisition instruction,
wherein a comparison graph is displayed that compares achievement levels between the user and another user.

US Pat. No. 10,460,290

SYSTEM AND METHOD FOR ESTABLISHING PRESENCE IN A BROKERED CHAT SYSTEM

PATH MOBILE INC PTE. LTD....

1. A method for determining status of an entity in a brokered chat service, the method comprising acts of:establishing the status of the entity in the brokered chat service based on an availability of a plurality of agents representing the entity, wherein establishing of the status of the entity comprises:
establishing the status of the entity as online when at least one agent of the plurality of agents is established as available to represent the entity; and
establishing the status of the entity as offline when no agent of the plurality of agents is available to represent the entity;
transmitting at least one message to the at least one available agent via the brokered chat service while the status of the entity is online;
responsive to not receiving a response to the at least one message from any of the at least one available agent within a predetermined time period, sending an inquiry message to the at least one available agent, the inquiry message being different from the at least one message and the inquiry message inquiring of the at least one available agent about whether to maintain presence status associated with the entity in the brokered chat service;
updating the status of the entity in the brokered chat service base on a response to the inquiry message;
receiving a search request for the entity; and
ranking the entity in search results based on the status of the entity in the brokered chat service.

US Pat. No. 10,460,289

AUDITING CERTIFIED BLOCKCHAIN CHECKPOINTS

International Business Ma...

1. A method of certifying a checkpoint of a blockchain in a peer-to-peer distributed network having a set of computing entities, the method carried out at a computing entity of the set of computing entities, comprising:starting from known position in the blockchain, retrieving a world state associated with the known position;
upon validating a compact representation of the world state associated with the known position, re-running against the world state a set of transactions that are represented in the blockchain and that occurred between the known position and the checkpoint to generate an updated world state, wherein re-running the set of transactions including validating a hash on each block in the blockchain between the known position and the checkpoint; and
determining whether a compact representation associated with the updated world state matches a compact representation of the checkpoint being certified; and
upon a determination that the compact representation associated with the updated world state matches the compact representation of the checkpoint being certified, providing an attestation that the updated world state is a certified checkpoint in the blockchain;
wherein the operations are carried out in software executing in a hardware processor.

US Pat. No. 10,460,288

METHODS AND APPARATUS FOR IDENTIFYING UNSPECIFIED DIAGNOSES IN CLINICAL DOCUMENTATION

Nuance Communications, In...

1. A method comprising:processing documentation of a clinician's encounter with a patient and/or the patient's history to produce a set of one or more clinical facts, a first fact of the set of one or more clinical facts identifying a first diagnosis or a procedure applying to the patient, wherein the processing of the documentation comprises extracting at least one fact of the set of one or more clinical facts from a free-form narration documenting the clinician's encounter with the patient, by processing at least a portion of the free-form narration using natural language understanding;
determining, using at least one processor, whether the set of one or more clinical facts that was produced by the processing of the documentation and that identifies the first diagnosis or procedure indicates one or more additional clinical facts for a second diagnosis that may apply to the patient, is different from the first diagnosis, and is not specified in the documentation, wherein the determining comprises:
processing at least a portion of the set of one or more clinical facts, the portion including the first fact, using the at least one processor and a statistical model trained on past clinical reports and/or medical literature and that associates co-occurrence of clinical facts with complications or comorbidities to identify whether the first fact co-occurs in the set with at least one other fact; and
in response to identifying that the first fact co-occurs in the set with the at least one other fact and that the statistical model associates co-occurrence of the first fact and the at least one other fact with at least the second diagnosis, determining at least one value indicative of a likelihood that the second diagnosis applies to the patient as a complication or comorbidity of the first diagnosis or the procedure; and
in response to determining that the likelihood exceeds a threshold, alerting a user that the second diagnosis may possibly apply to the patient as a complication or comorbidity of the first diagnosis or the procedure.

US Pat. No. 10,460,287

THREE-DIMENSIONAL INDEXING PROTOCOL

Ricoh Co., Ltd., Tokyo (...

1. A method comprising:generating, using one or more processors, a planogram of indexed products;
receiving, by the one or more processors, a captured image of a plurality of products;
identifying, by the one or more processors, the plurality of products in the captured image using the indexed products by:
computing a first set of features for the captured image including a location, an orientation, and an image descriptor for the first set of features;
comparing the first set of features for the captured image to features of a first indexed product to determine whether the first set of features for the captured image can be transformed to the features of the first indexed product by a combination of translation, rotation, and scaling;
determining the captured image matches the first indexed product responsive to determining that the first set of features for the captured image can be transformed to the features of the first indexed product by the combination of translation, rotation, and scaling;
blurring a region of a first product in the captured image to generate a partially blurred image, the first product matching the first indexed product;
computing a second set of features for the partially blurred image and comparing the second set of features for the partially blurred image to features of a second indexed product to determine whether the second set of features can be transformed to the features of the second indexed product by a combination of translation, rotation, and scaling;
determining the partially blurred image matches the second indexed product responsive to determining that the second set of features for the partially blurred image can be transformed to the features of the second indexed product by the combination of translation, rotation, and scaling; and
returning matches found for the plurality of products in the captured image;
analyzing, by the one or more processors, the plurality of products using the captured image and the planogram of indexed products; and
notifying, by the one or more processors, a user of a condition based on the analysis.

US Pat. No. 10,460,286

INVENTORY MANAGEMENT SYSTEM AND METHOD THEREOF

The Joan and Irwin Jacobs...

1. A method for managing inventory of a product in at least one store, wherein the method is performed by an inventory management system with respect to a listing of the product on an electronic commerce (e-commerce) website, comprising:determining, for each store, a seed inventory of the product based at least on distribution data for the product; and
generating, for each store, an estimated current inventory of the product based on the respective seed inventory and at least one seed inventory heuristic determined based on information maintained by entities other than a vendor of the product; and
causing the display of information regarding the estimated current inventory to a virtual point of sale (POS) on a user device.

US Pat. No. 10,460,285

AUTONOMOUS ROBOT VEHICLE WITH SECURABLE COMPARTMENTS

NURO, INC., Mountain Vie...

1. A system for a mobile secure locker, the system comprising:one or more processors; and
at least one memory storing instructions which, when executed by the one or more processors, cause the system to:
provide a user interface for a user to rent a mobile secure locker in an autonomous robot vehicle;
receive information through the user interface from the user, the information including a first destination, a second destination, and a time associated with the second destination;
communicate instructions to the autonomous robot vehicle to travel to the first destination to receive an item;
receive an indication from the autonomous robot vehicle that the item has been received;
communicate instructions to the autonomous robot vehicle to travel to the second destination to deliver the item at the time associated with the second destination;
receive from the autonomous robot vehicle an indication that the item has been retrieved; and
receive a video from the autonomous robot vehicle, the video recording the user placing the item in the autonomous robot vehicle.

US Pat. No. 10,460,284

METHOD AND DEVICE FOR DETERMINING MAIL PATH INFORMATION

1. A method for determining path information, the path information comprising a collector-distributor point to which a sending point is subordinate, halfway collector-distributor points, and a collector-distributor point to which a destination point is subordinate, which are collector-distributor points that a piece of postal mail needs to reach during transmission from the sending point to the destination point, wherein the method comprises:determining, a latitude-longitude coordinate range of each collector-distributor point in advance based on a collection and distribution range of the collector-distributor point, and storing, by a computer system, the latitude-longitude coordinate range for each of a plurality of collector-distributor points in advance;
setting, by the computer system, collector-distributor point information for each collector-distributor point in advance, and storing, by the computer system, the set collector-distributor point information for each collector-distributor point in advance, wherein the collector-distributor point information comprises a level of the collector-distributor point, and collector-distributor points in each level which are superordinate to the collector-distributor point;
acquiring, by a first positioning device of GPS, GLONASS, GALILEO or BDS located at the sending point, a latitude-longitude coordinate of the sending point of the piece of mail, providing the acquired latitude-longitude coordinate of the sending point to the computer system, and determining, by the computer system based on the latitude-longitude coordinate range to which the latitude-longitude coordinate of the sending point belongs, the collector-distributor point to which the sending point of the mail is subordinate;
acquiring, by a second positioning device of GPS, GLONASS, GALILEO or BDS located at the destination point, a latitude-longitude coordinate of the destination point of the piece of mail, providing the acquired latitude-longitude coordinate of the destination point to the computer system, and determining, by the computer system based on a latitude-longitude coordinate range to which the latitude-longitude coordinate of the destination point belongs, the collector-distributor point to which the destination point of the mail is subordinate;
acquiring, by the computer system, collector-distributor point information of the collector-distributor point to which the sending point is subordinate and collector-distributor point information of the collector-distributor point to which the destination point is subordinate, wherein the collector-distributor point information of the collector-distributor point to which the sending point is subordinate records the level of the collector-distributor point to which the sending point is subordinate and collector-distributor points in each level which are superordinate to the collector-distributor point to which the sending point is subordinate, and the collector-distributor point information of the collector-distributor point to which the destination point is subordinate records the level of the collector-distributor point to which the destination point is subordinate and collector-distributor points in each level which are superordinate to the collector-distributor point to which the destination point is subordinate;
determining, by the computer system based on the collector-distributor point information of the collector-distributor point to which the sending point is subordinate and the collector-distributor point information of the collector-distributor point to which the destination point is subordinate, each halfway collector-distributor point that the piece of mail needs to reach and the path information of the piece of mail;
configuring an identifier corresponding to the path information of the piece of mail; and
attaching a bar code, an electronic tag or a RFID recording the identifier to the piece of mail.

US Pat. No. 10,460,283

SMART CONTRACT OPTIMIZATION FOR MULTIPARTY SERVICE OR PRODUCT ORDERING SYSTEM

Vijay Madisetti, Johns C...

1. A method of tracking orders through a blockchain network comprising:receiving a plurality of global variable registration requests from a plurality of linked smart contracts recorded to a first blockchain network responsive to an order placement at a global variable name system (GVNS);
defining a global variable responsive to each global variable registration request;
receiving a first status update related to the order placement from a first smart contract of the plurality of smart contracts, defining a first received status update; and
updating a first global variable comprised by the GVNS responsive to the first received status update, defining a first GVNS variable update;
wherein a reference to the first global variable is comprised by the first smart contract and a second smart contract of the plurality of smart contracts; and
wherein the value of the first global variable on each of the first and second smart contracts is updated responsive to the first GVNS variable update.

US Pat. No. 10,460,282

METHOD FOR DROPPING OFF A SHIPMENT IN A MOTOR VEHICLE, AND ASSOCIATED MOTOR VEHICLE

Audi AG, Ingolstadt (DE)...

1. A method for dropping off of a shipment in a motor vehicle, comprising:generating, by a central device, a temporary digital key, which allows access to the motor vehicle once or repeatedly during a given interval of time;
transmitting the temporary digital key via a communication device of the motor vehicle to a control device of the motor vehicle and storing the temporary digital key in the control device;
detecting, after the shipment has been transported to the motor vehicle, a piece of authentication information transferred onto an authentication element associated with the shipment using a reader of the motor vehicle, wherein the piece of authentication information corresponds to the temporary digital key or to a piece of information associated with the temporary digital key;
actuating a vehicle device to enable access to at least part of an interior of the motor vehicle by the control device upon fulfillment of an authentication condition evaluating both the piece of authentication information and the temporary digital key; and
actuating the vehicle device and/or another vehicle device to close the motor vehicle after the placement of the shipment in the motor vehicle or after a predetermined waiting period,
wherein upon fulfillment of a usage condition, which indicates an intention of a driver of the motor vehicle to move the motor vehicle within a given further interval of time, a driver indicator device is actuated by the control device to give a sign to the driver of the motor vehicle, wherein the sign indicates impending delivery of the shipment to the motor vehicle within the given further interval of time.

US Pat. No. 10,460,281

DELIVERY VEHICLE INCLUDING AN UNMANNED AERIAL VEHICLE SUPPORT MECHANISM

United Parcel Service of ...

1. A primary delivery vehicle configured for delivering parcels via an unmanned aerial vehicle (UAV), the primary delivery vehicle comprising:an interior compartment;
a roof panel defining a portal, wherein the interior compartment is accessible through the portal;
a UAV support mechanism positioned on the roof panel of the vehicle and configured for providing a landing surface for the UAV, the UAV support mechanism comprising:
a pair of opposing rails extending in a longitudinal direction and positioned above the portal, wherein the opposing rails are spaced apart from one another in a lateral direction that is transverse to the longitudinal direction, the opposing rails defining:
a landing region;
a takeoff region positioned opposite the landing region; and
a transport region positioned between the takeoff region and the landing region, wherein the transport region comprises a conveyor comprising a plurality of powered rollers, wherein the plurality of powered rollers is positioned within each of the opposing rails and along a length of each of the opposing rails.

US Pat. No. 10,460,280

METHODS AND SYSTEMS FOR MULTIPLE DRONE DELIVERY SYSTEM

INTERNATIONAL BUSINESS MA...

1. A method, by a processor, for delivering items, comprising:selecting an item to be delivered to a delivery point;
causing the selected item to be loaded onto a first drone;
controlling a second drone to scan the delivery point when a plurality of factors are satisfied such that the second drone is not deployed until a threshold associated with each of the plurality of factors is met; wherein the factors include at least a distance between an originating point and the delivery point of the item, a previous delivery history to the delivery point, a size of the delivery point, and environmental conditions associated with inclement weather at an expected time of delivery of the item;
based on the scanning of the delivery point, determining if the delivery point is in a first condition or a second condition; and
if the delivery point is in the first condition, controlling the first drone to deliver the selected item to the delivery point.

US Pat. No. 10,460,279

INTERACTIVE TRANSPORT SERVICES PROVIDED BY UNMANNED AERIAL VEHICLES

Wing Aviation LLC, Mount...

1. A method comprising:receiving, by a client computing device, a transport request for transport of one or more items by an unmanned aerial vehicle (UAV) to a user-specified target delivery location, wherein a geographic area is defined by a property line of the target delivery location;
responsive to receiving the transport request, the client computing device:
(i) determining two or more UAV-accessible sub-areas for the target delivery location comprising at least a first UAV-accessible sub-area and a second UAV-accessible sub-area, wherein each UAV-accessible sub-area: (a) is within the geographic area and at least the threshold distance from the property line and (b) includes an unobstructed path between a ground surface in the UAV-accessible sub-area and a sky area above the ground surface; and
(ii) displaying, on a graphic display, a graphic map interface indicating the two or more UAV-accessible sub-areas for the target delivery location, wherein both the first UAV-accessible sub-area and the second UAV-accessible sub-area are selectable via the graphic map interface;
receiving, via the graphic map interface of the client computing device, a selection of the first of the two or more UAV-accessible sub-areas; and
responsive to receiving the selection, the client computing device causing the UAV to transport the one or more items to the first UAV-accessible sub-area.

US Pat. No. 10,460,278

REGISTRATION OF DESTINATION IDENTIFIERS

Amazon Technologies, Inc....

1. A method, comprising:receiving, by at least one computing device, a user specification of a destination identifier;
determining, by the at least one computing device, that the destination identifier is available for registration;
receiving, by the at least one computing device, a user request to register the destination identifier as associated with a geographic address; and
registering, by the at least one computing device, the destination identifier in response to the user request by creating a stored mapping between the destination identifier and the geographic address.

US Pat. No. 10,460,276

PREDICTIVE MODEL SEARCH BY COMMUNICATING COMPARATIVE STRENGTH

International Business Ma...

1. A method for generating a plurality of predictive data models based on a predictive model search, the method comprising:receiving a first portion, wherein the first portion comprises a specified target;
receiving a second portion, wherein the second portion comprises a plurality of predictor variables;
based on the received second portion, receiving a model search criterion for simultaneously generating the plurality of predictive data models, wherein the model search criterion is based on a combination of different user selections each for generating different predictive data models and wherein the combination comprises a first user selection including a selected number of one or more predictor variables to use to generate the plurality of predictive data models, a second user selection of a specified range of the one or more predictor variables to use to generate the plurality of predictive data models, and a third user selection specifying which of the one or more predictor variables to use to generate the plurality of predictive data models;
processing user input to simultaneously generate a first specified number of the plurality of predictive data models based on the first user selection, a second specified number of the plurality of predictive data models based on the second user selection, and a third specified number of the plurality of predictive data models based on the third user selection;
simultaneously generating the plurality of predictive data models based on the processed user input and the received model search criterion, wherein the plurality of predictive data models comprises a first variation of the plurality of predictive data models based on the first user selection, a second variation of the plurality of predictive data models based on the second user selection, and a third variation of the plurality of predictive data models based on the third user selection;
applying a criteria to rank the generated plurality of predictive data models based on a predictive strength; and
presenting a spiral chart display of the ranked criteria, wherein the spiral chart display simultaneously comprises the first variation of the plurality of predictive data models based on the first user selection, the second variation of the plurality of predictive data models based on the second user selection, and the third variation of the plurality of predictive data models based on the third user selection, and wherein the first variation, the second variation, and the third variation are collectively ranked and presented on the spiral chart display according to the predictive strength.

US Pat. No. 10,460,275

PREDICTIVE MODEL SEARCH BY COMMUNICATING COMPARATIVE STRENGTH

International Business Ma...

1. A computer system for generating a plurality of predictive data models based on a predictive model search, comprising:one or more processors, one or more computer-readable memories, one or more computer-readable tangible storage devices, and program instructions stored on at least one of the one or more storage devices for execution by at least one of the one or more processors via at least one of the one or more memories, wherein the computer system is capable of performing a method comprising:
receiving a first portion, wherein the first portion comprises a specified target;
receiving a second portion, wherein the second portion comprises a plurality of predictor variables;
based on the received second portion, receiving a model search criterion for simultaneously generating the plurality of predictive data models, wherein the model search criterion is based on a combination of different user selections each for generating different predictive data models and wherein the combination comprises a first user selection including a selected number of one or more predictor variables to use to generate the plurality of predictive data models, a second user selection of a specified range of the one or more predictor variables to use to generate the plurality of predictive data models, and a third user selection specifying which of the one or more predictor variables to use to generate the plurality of predictive data models;
processing user input to simultaneously generate a first specified number of the plurality of predictive data models based on the first user selection, a second specified number of the plurality of predictive data models based on the second user selection, and a third specified number of the plurality of predictive data models based on the third user selection;
simultaneously generating the plurality of predictive data models based on the processed user input and the received model search criterion, wherein the plurality of predictive data models comprises a first variation of the plurality of predictive data models based on the first user selection, a second variation of the plurality of predictive data models based on the second user selection, and a third variation of the plurality of predictive data models based on the third user selection;
applying a criteria to rank the generated plurality of predictive data models based on a predictive strength; and
presenting a spiral chart display of the ranked criteria, wherein the spiral chart display simultaneously comprises the first variation of the plurality of predictive data models based on the first user selection, the second variation of the plurality of predictive data models based on the second user selection, and the third variation of the plurality of predictive data models based on the third user selection, and wherein the first variation, the second variation, and the third variation are collectively ranked and presented on the spiral chart display according to the predictive strength.