US Pat. No. 10,430,897

AUTOMATED RIG ACTIVITY REPORT GENERATION

Schlumberger Technology C...

1. A method for automatically generating a rig activity report, the method comprising:(a) receiving sensor measurements from a plurality of surface sensors deployed on a drilling rig;
(b) processing the sensor measurements received in (a) to compute a plurality of rig states;
(c) computing a high resolution temporal listing of the rig states;
(d) calculating a rig state aggregate of the rig states from the high resolution temporal listing of the rig states by applying user defined aggregation rules, wherein calculating the rig state aggregate comprises:
identifying activities in the high resolution temporal listing of the rig states;
determining that the identified activities are members of a category of activities specified in the user defined aggregation rules; and
clustering the identified activities into the rig state aggregate based on the user defined aggregation rules, wherein the rig state aggregate represents a relationship between the identified activities in the high resolution temporal listing; and
(e) generating an activity report based on the rig state aggregate of the rig states and a user defined report configuration.

US Pat. No. 10,430,896

INFORMATION PROCESSING APPARATUS AND METHOD THAT RECEIVES IDENTIFICATION AND INTERACTION INFORMATION VIA NEAR-FIELD COMMUNICATION LINK

SONY CORPORATION, Tokyo ...

1. An information processing server comprising:processing circuitry configured to receive identification information of a second user from a first near-field communication device of the first user that receives the identification information of the second user from a second near-field communication device of the second user via a near-field communication link;
the processing circuitry is further configured to perform as a specification unit that specifies the second user as an individual registered in a predetermined database on the basis of the identification information received by the first near-field communication device of the first user from the second near-field communication device of the second user via the near-field communication link and collected voice information;
the processing circuitry is further configured to perform as an interaction information generation unit that receives interaction information concerning the second user including posture information indicating a posture of the second user from the first near-field communication device of the first user that receives the posture information indicating the posture of the second user from the second near-field communication device of the second user via the near-field communication link; and
after the specification unit specifies the second user as the individual registered in the predetermined database, the processing circuitry performing as the interaction information generation unit is further configured to inform the first user of the posture of the second user received from the second near-field communication device of the second user via the near-field communication link.

US Pat. No. 10,430,895

SOCIAL MEDIA AND REVENUE GENERATION SYSTEM AND METHOD

Hooley LLC, Los Angeles,...

1. A method of allowing guests of events to interact with one another, the method comprising:utilizing an event system with a plurality of users, the event system including a processor and memory;
logging, by a user of the event system, into the event system;
creating, by the user of the event system, a user profile to be utilized in the event system;
creating, by the user of the event system, an event, the event including a geo-fence surrounding a location of the event;
customizing, by the user of the event system, the event to be a public event or a private event, the customizing of the event includes customizing a name of the event, a start time, an end time, and a date of the event;
creating, by the user of the event system, an event poster of the event, the event poster including details of the event, a location of the event, an ability to invite the guests to the event, and an ability to bookmark the event;
inviting, by the user of the event system, at least some of the plurality of users to be the guests of the event;
determining a geo-location of the guests of the event;
allowing the guests of the event to access features of the event when the geo-location of the guests is within the geo-fence of the event, the features of the event include direct messaging, guest profiles, and friend requests;
receiving media content from the guests of the event, the media content including videos, images, and messages;
organizing the media content into galleries for access by the guests of the event;
providing for tickets for the event to be purchased by the guests of the event, each of the tickets having a ticket value for the event; and
charging the user at least one of a plurality of user fees for utilizing the event system, the plurality of user fees including at least one of a percentage of a ticket value purchased by the guests of the event, a flat rate for each ticket sold to the guests of the event, and a service fee based on the ticket value,
and continuing to allow the guests of the event full access or partial access to the features of the event and to the media content from the guests of the event after the guests of the event have left the geo-fence of the event; and allowing the guests of the event partial access to the features of the event and to the media content from the guests when the guests do not enter the geo-fence of the event.

US Pat. No. 10,430,893

SYSTEMS AND METHODS FOR EXTRACTING INFORMATION FROM A TRANSACTION DESCRIPTION

Capital One Services, LLC...

1. A system for extracting location information from a transaction description, comprising:one or more processors; and
one or more memory devices storing:
a merchant database associating merchant identifiers with a plurality of alphanumeric strings comprising known location information;
data indicative of patterns, the patterns comprising a plurality of known formats for location information; and
instructions that, when executed by the one or more processors, cause the one or more processors to execute operations comprising:
receiving a transaction description associated with a completed transaction from a merchant device, the transaction description including a first alphanumeric string;
determining, from the transaction description, a merchant identifier associated with the transaction description;
determining, from the merchant information database, known location information corresponding to the determined merchant identifier;
comparing the known location information from the merchant database with the first alphanumeric string to identify at least one second alphanumeric string comprising data from the first alphanumeric string corresponding to the known location information from the merchant information database;
removing the at least one second alphanumeric string from the first alphanumeric string;
identifying, by comparison to one or more of the stored patterns, additional location information that is not associated with the location information from the merchant information database and that includes a location name from the transaction description; and
removing the additional location information from the first alphanumeric string.

US Pat. No. 10,430,892

OBJECT BASED ENERGY USAGE AND TRACKING

Honeywell International I...

1. A method comprising:receiving a selection of a building via a touchscreen interface;
identifying, responsive to receipt of the building selection, a plurality of rooms based on a stored data record associated with the selected building;
populating, responsive to identification of the plurality of rooms, the touchscreen interface with visual representations of the plurality of rooms of the selected building;
receiving a selection of a room within the plurality of rooms via the touchscreen interface;
identifying a plurality of predefined assets associated with the selected room;
providing a list of the plurality of predefined assets on the touchscreen interface in a manner facilitating selection of an asset for the selected room via the touchscreen interface;
facilitating entry of make and model information of the selected asset via the touchscreen interface; and
retrieving estimated energy usage information based on the make and model information of the selected asset from a database of building assets via a network connection.

US Pat. No. 10,430,891

ACCOUNT MANAGEMENT SYSTEM AND METHOD

TracFone Wireless, Inc., ...

1. A system for managing a financial account comprising:a fund allocation management system that includes a financial management processor, an input/output port, and a network connection configured to provide communication over a network;
the financial management processor being configured to access the financial account over the network connection and determine a balance and financial transactions associated with the financial account;
the financial management processor being further configured to determine an amount of at least one bill that is due in the future based on historical financial transactions associated with the at least one bill;
the financial management processor being further configured to reserve and allocate funds from the financial account to ensure sufficient funds for payment of the at least one bill that is due in the future based on the historical financial transactions associated with the at least one bill;
the financial management processor being further configured to determine available funds that remain after reserving and allocation of funds from the financial account to ensure sufficient funds for payment of the at least one bill that is due in the future;
the financial management processor being further configured to communicate by transmission of a communication over the network via the network connection to a user wireless device, the communication providing the available funds for display on the user wireless device that remain after allocation of funds from the financial account to ensure sufficient funds for the at least one bill that is due in the future based on the historical financial transactions associated with the at least one bill; and
the financial management processor further configured to prevent the allocated funds from being withdrawn from the financial account by the user,
wherein the financial management processor communicates to the user wireless device via a mobile phone application implemented by a processor of the wireless device to provide the available funds for display on the user wireless device that remain after the allocation of funds; and
wherein a display of the user wireless device displays the communication from the financial management processor via the mobile phone application implemented by the processor of the wireless device.

US Pat. No. 10,430,890

IMAGE-BASED PROCESSING FOR PRODUCTS

Allstate Insurance Compan...

1. An image processing system comprising:an imaging device, the imaging device including at least one of a space-based aerial image sensor and an aerial image sensor; and
a ground-based digital image processing device comprising:
a processor; and
memory storing computer readable instructions that, when executed by the processor, cause the ground-based digital image processing device to:
project, by the processor of the ground-based image processing device, an expected position of the imaging device;
determine, by the processor of the ground-based image processing device, and for a specified geographic region corresponding to the expected position of the imaging device, a plurality of real estate properties not currently insured by a specified insurance entity, and for each of the determined real estate properties in the geographic region not currently insured by the specified insurance entity:
determine, by the processor of the ground-based digital image processing device, one or more digital image capture parameters based on at least one of: a weather condition, type of object to be imaged, and property density, the parameters including a type of sensor to use;
instruct the imaging device to capture a digital image specific to a respective one of the determined real estate properties from the imaging device, the instruction including the one or more capture parameters for capturing the digital image;
perform, by the processor of the ground-based digital image processing device, image analysis on the image to determine one or more of: whether a roof pitch is within a predetermined pitch range by performing edge detection, a roof material type and a roof age of the respective one of the determined real estate properties, including applying a contrast filter to determine the roof age and roof material type;
determine, by the processor of the ground-based digital image processing device, whether to target any of the determined real estate properties based on a determined percentage of properties in the geographic region insured by the specified insurance entity; and
in a case where the ground-based image processing device determines that at least one of the determined real estate properties are to be targeted:
selecting, by the processor of the ground-based digital image processing device, the at least one of the determined real estate properties using a combination of the roof type, the roof pitch and the roof age determined through the image analysis performed by the ground-based digital image processing device; and
designating the at least one of the determined real estate properties to receive home insurance information.

US Pat. No. 10,430,889

DETERMINING AN EVENT

Allstate Insurance Compan...

1. A method of improving detection of an abnormal operation condition, comprising:receiving a first signal indicative of an insurance event from a first device located in a first building at a first geographical location, the first signal indicative of an insurance event comprising an abnormal operation condition of the first building;
querying a database for information regarding one or more previous insurance events associated with reception of a second signal indicative of a second insurance event from a second device located at a second building at a second geographical location that is different from the first geographical location;
filtering and identifying, by a computer processor, that at least one of the one or more previous insurance events has an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building;
determining a nature of the insurance event, based at least in part on the identifying that at least one of the one or more previous insurance events has an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building; and
configuring, by the computer processor based on the determined nature of the insurance event, a controller in the first geographical location to control at least one of a mechanical function and electrical function of the first building, wherein the at least one of the mechanical function and electrical function comprises at least one of: locking a door of the first building, unlocking a door of the first building, shutting off water to the first building, initiating an audio alarm device in the first building, turning on a light in the first building, and turning off a light in the first building.

US Pat. No. 10,430,888

SYSTEM FOR ACCESSING AND VALIDATING CLIENT DATA WITH THIRD PARTY SYSTEMS

Hartford Fire Insurance C...

1. A computer system, the system comprising:(a) an insurance processing computer system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
receiving a tuition debt policy request from an individual via a mobile computing device executing an application program configured for display of fields for entry of covered individual information, including name, a school attended by the individual, a major, and a performance characteristic associated with the individual at the school and for transmission of data entered in the displayed fields to the insurance processing computer system, the request being received during an enrollment period prior to a graduation date of the covered individual;
generating pricing information based at least in part on the request data;
providing the pricing information and one or more tuition debt insurance coverage options corresponding to the pricing information to the mobile computing device for display by the application program of the one or more tuition debt insurance coverage options and a user-selectable display element associated with each of the one or more tuition debt insurance coverage options for transmission of a selection of one of the one or more tuition debt insurance coverage options;
receiving the selection of the selected one of the tuition debt insurance coverage options from the mobile computing device;
storing, in a policy record data storage device, a policy record associated with the selected tuition debt insurance coverage option, the policy record including graduation and job search requirements to qualify for claim payments;
transmitting to the mobile computing device an indication of coverage for the individual for the tuition debt coverage option, the coverage being active after the graduation date and job search requirements have been validated; and
performing an audit function, after policy issue, by causing the mobile application to generate a display on the mobile computing device for the user to respond to one or more questions to confirm one or more of: current enrollment school, current enrollment status, current major and current grade point average; receiving from the mobile computing device data responsive to the one or more questions; comparing the received data with stored data relating to the policy; responsive to, based on the comparison, determining that the data is unchanged or within one or more thresholds, determine that there is no premium change and generate a message for display on the mobile computing device stating that there is no premium change; and responsive to, based on the comparison, determining that one or more data items have changed, performing a premium recalculation, and notifying the covered individual of the recalculated premium;
(b) an information server system, in communication with the insurance processing computer system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
during a time period after the enrollment period and after a graduation date, accessing and storing job search data from data sources including job search sites and job agency databases relating to a covered individual, based on data received from the insurance processing computer system;
and
(c) a claims management server system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
receiving information identifying a claim and a tuition debt coverage policy from a user device operated by a covered individual;
retrieving, from a policy database, information associated with the tuition debt coverage policy;
requesting covered individual information related to at least a graduation date and job search data from the information server system;
validating the covered individual information related to the graduation date and job search data, including obtaining data relating to covered individuals connections on a business social media site;
determining a claim payment amount based on the validated covered individual information, the determining based at least in part on a number of the connections of the covered individual data on the business social media site, weighting the connections based on pertinence of field of the connections to a degree of the covered individual; and
issuing claim payment instructions for the determined claim payment amount.

US Pat. No. 10,430,887

DEVICE SENSING

Allstate Insurance Compan...

1. A system comprising:a processing unit comprising a processor; and
a memory unit storing computer-executable instructions, which when executed by the processing unit, cause the system to:
receive first data from signals received from a first sensing device, the first sensing device being in communication with a home device associated with a user and the first data comprising operating characteristics of the home device that are indicative of a performance of the home device and an approximate age of the home device;
receive second data from signals received from a second sensing device, the second sensing device being in communication with a vehicle associated with the user and the second data comprising operational parameters of the vehicle;
receive, from a third sensing device, third data comprising data indicative of a lifestyle habit of the user;
aggregate the first data, the second data, and the third data;
analyze the aggregated first data, second data, and third data to determine an overall risk associated with the user; and
in response to determining a likelihood of failure of the home device, based on the operating characteristics of the home device indicating an atypical performance or the approximate age exceeding an age threshold:
identify, based on the likelihood of failure of the home device and the overall risk associated with the user, an insurance premium for the user which is greater than a current insurance premium for the user;
generate a first offer including an incentive to maintain the current insurance premium upon replacement or repair of the home device;
cause a user device to display a notification of the identified insurance premium and the first offer;
receive additional first data from signals received from the first sensing device, the first sensing device being in communication with a repaired or replaced home device, the additional first data comprising operating characteristics of the repaired or replaced home device that are indicative of a performance and an approximate age of the repaired or replaced home device; and
maintain the current insurance premium for the user, based on a determination that the operating characteristics of the repaired or replaced home device indicate a typical performance or the approximate age does not exceed the age threshold.

US Pat. No. 10,430,886

PROCESSING INSURED ITEMS HOLISTICALLY WITH MOBILE DAMAGE ASSESSMENT AND CLAIMS PROCESSING

Allstate Insurance Compan...

1. A non-transitory computer-readable storage medium having computer-executable program instructions stored thereon that when executed by a processor, cause the processor at least to:transmit, to a mobile device, user instructions to capture images depicting damage to an insured item;
receive, from a software application executing on the mobile device, a first plurality of images depicting a plurality of damaged areas of an insured vehicle;
automatically identify the plurality of damaged areas of the insured vehicle within the first plurality of images by applying an object recognition algorithm to the first plurality of images;
access a database storing a plurality of reference images depicting damaged vehicles;
determine at least one reference image that depicts a damaged vehicle most similar to the insured vehicle and depicts damage most similar to damage in a first damaged area of the plurality of damaged areas of the insured vehicle;
access, within the database, a damage template associated with the at least one reference image and comprising a damage estimate associated with the at least one reference image;
compare three-dimensional coordinates of the first plurality of images to three-dimensional coordinates of the at least one reference image;
generate, based on a result of the comparing and the damage estimate, a modified damage estimate;
generate a second damage estimate for a second damaged area of the plurality of damaged areas;
automatically generate a total damage estimate based on the modified damage estimate and the second damage estimate;
generate at least one interaction term that represents a modified cost associated with collectively repairing the first damaged area and the second damaged area;
automatically generate an effective total damage estimate based on the total damage estimate and the at least one interaction term;
determine a settlement based on the effective total damage estimate;
generate a user interface screen comprising the settlement; and
transmit, to the mobile device, the user interface screen.

US Pat. No. 10,430,885

PROCESSING INSURED ITEMS HOLISTICALLY WITH MOBILE DAMAGE ASSESSMENT AND CLAIMS PROCESSING

Allstate Insurance Compan...

1. A method comprising:executing, by an enhanced claims processing server, an automated claims processing process comprising:
transmitting, by an enhanced claims processing server, instructions to a mobile device to capture image data related to a damage of an insured item;
receiving, by the enhanced claims processing server, from a software application executing on the mobile device, and via a website interface of the enhanced claims processing server, captured image data related to the damage of the insured item;
automatically applying an optical character recognition system to the captured image data to extract data from the captured image data;
automatically determining that the captured image data is acceptable based on the data extracted from captured image data;
automatically identifying one or more edges surrounding a plurality of damaged areas of the insured item by applying one or more edge filters to the captured image data;
automatically extracting the plurality of damaged areas of the insured item from the captured image data based on the one or more edges;
automatically accessing, via a communications link, a database storing a plurality of reference data images related to damaged items similar to the insured item based on the captured image data related to the damage of the insured item;
automatically determining at least one of the plurality of reference data images that depicts a first item most similar to the insured item and that depicts damages most similar to the plurality of damaged areas associated with the insured item, wherein the determining is performed by the enhanced claims processor by using one or more object recognition algorithms to compare the captured image data and the plurality of reference data images;
automatically accessing, within the database, at least one damage template associated with the at least one of the plurality of reference data images, wherein the database stores historical damage estimate data;
automatically retrieving a confidence factor associated with the damage template; and
responsive to a determination that the confidence factor is above a threshold, automatically adjusting, by the enhanced claims processor, at least one damage estimate associated with the at least one damage template to calculate a new damage estimate for the insured item based on a difference between damage to the insured item and damage to the first item.

US Pat. No. 10,430,884

APPARATUS AND METHOD FOR TRADE AGGREGATION OF TRADE ALLOCATIONS AND SETTLEMENTS

Virtu ITG Software Soluti...

1. An automated data tracking system, comprising:a data interface for managing a plurality of electronic orders transmitted to one or more executing brokers, said plurality of electronic orders including at least one wrap block order and at least one institutional block order;
an automated system for receiving data for said plurality of electronic orders and automatically merging the plurality of electronic orders into a single merged block order, apportioning the single merged block order into a plurality of smaller electronic orders, and electronically communicating the plurality of smaller electronic orders to a plurality of order destinations; and
a post-trade aggregation system configured to receive execution data from the plurality of order destinations for individual executions corresponding to the plurality of smaller electronic orders and automatically to compress the individual executions into a single net marked-up step-out for wrap orders and a single average-priced block for institutional orders;
wherein the system for merging is an algorithmic trading and routing server remotely located from data interface;
the plurality of order destinations are electronic destinations that automatically execute matches of electronic orders without human intervention and, for each match, automatically generates and transmits execution data for each individual executions; and
said post-trade aggregation system is further configured to intercept execution data transmitted by the plurality of order destinations to said data interface.

US Pat. No. 10,430,883

DYNAMIC USAGE-BASED POLICIES

Allstate Insurance Compan...

1. A usage-based insurance system, comprising:a telematics computing device located within a vehicle and communicatively coupled to a plurality of sensors associated with the vehicle, the telematics computing device including at least one first processor and at least one first memory storing computer readable instructions that, when executed by the at least one first processor, cause the telematics computing device to:
receive, from the plurality of sensors in near real-time, driving data associated with operation of the vehicle during a first driving trip, the driving data including at least location information captured during the first driving trip, velocity information captured during the first driving trip, and acceleration information captured during the first driving trip, wherein the driving data is received periodically, and wherein time information is associated with the driving data; and
send, to an insurance system server, the driving data; and
the insurance system server including one or more second processors and at least one second memory storing second computer-readable instructions that, when executed by the one or more second processors, cause the insurance system server to:
retrieve, from one or more insurance system databases, insurance information associated with the vehicle or a driver of the vehicle, the insurance information corresponding to a usage-based insurance policy comprising a cost per day and a cost per mile;
determine, based on the insurance information, the cost per day for insuring the vehicle based on the usage-based insurance policy;
determine, based on the insurance information and the usage-based insurance policy, a plurality of rates for calculating the cost per mile for insuring for the vehicle, wherein the cost per mile is calculated based on at least a time duration of a given driving trip, a road type of a road traveled during the given driving trip, and a driving behavior identified from at least the acceleration information;
receive, from a user associated with the vehicle, a predetermined amount of funds for a premium for the usage-based insurance policy; store the predetermined amount of funds in a first account;
receive, from the telematics computing device, the driving data for the first driving trip;
analyze the driving data to determine, for a plurality of segments of the first driving trip, a time of day that the vehicle traveled each of the plurality of segments, a first road type upon which the vehicle traveled during each of the plurality of segments, and whether one or more driving behaviors occurred;
determine, based on the analyzed driving data, a cost of the first driving trip based on a cost calculated for each of the plurality of segments; and
reduce a balance of the premium in the first account by the cost of the first driving trip.

US Pat. No. 10,430,882

DISTRIBUTED DATA PROCESSING

Nasdaq, Inc., New York, ...

1. A computer system comprising:a front end interface configured for data communications over a network;
one or more hardware processors, wherein the one or more hardware processors are configured to implement multiple distributed data processors, wherein the multiple distributed data processors are in communication with the front end interface, and wherein the multiple distributed data processors include a first distributed data processor and a second distributed data processor; and
an information bus in communication with the multiple distributed data processors and to multiple independent consumer modules;
wherein the first distributed data processor is configured to perform operations related to a first security, the operations related to the first security including:
receiving data order messages for the first security;
processing the received data order messages for the first security;
maintaining, in first random access memory, a first order book that stores outstanding orders for the first security; and
wherein the second distributed data processor is configured to perform operations related to a second security that is different from the first security, the operations related to the second security including:
receiving data order messages for the second security;
processing the received data order messages for the second security; and
maintaining, in second random access memory, a second order book that stores outstanding orders for the second security;
wherein the processing by the first distributed data processor of the received data order messages for the first security includes executing a matching process;
wherein the matching process is the only process in the first distributed data processor permitted to access the first order book in the first random access memory; and
wherein one or more other processes are permitted to access the received data order messages for the first security.

US Pat. No. 10,430,881

SYSTEMS AND METHODS FOR ITERATIVE OPTIMIZATION OF RELATED OBJECTS

Chicago Mercantile Exchan...

1. A computer implemented method for reducing or minimizing the number of data sets and/or operations performed when computing settlement in a trading system, the computer implemented method comprising:(i) receiving, by a processor in communication with a memory, a plurality of values for each of a plurality of base objects that represent outright contracts;
(ii) receiving, by the processor, a plurality of values for each of a plurality of composite objects that represent tradable spread instruments, wherein each composite object is associated with at least two of the base objects;
(iii) generating, by the processor, and storing in the memory the solution set including combinations of values of at least two of the base objects whose values have not previously been included in the combinations of values in the solution set;
(iv) for each combination of values in the solution set, generating, by the processor, transaction results by computing transactions between the values of the at least two base objects;
(v) comparing, by the processor, each of the transaction results to a range of values including values of a composite object associated with the at least two outright contract base objects;
(vi) removing, by the processor, from the solution set and from the memory, the combinations of the values of the at least two base objects corresponding to the transaction results that are outside of the range of values;
(vii) repeating steps (iii) to (vi) until the values of all of the base objects have been included in the combinations of values in the solution set;
(viii) determining, by the processor, how many combinations of values of base objects are included in the solution set;
(ix) removing, by the processor, from the memory, after determining that the solution set includes one combination of values of base objects, all the values of each base object other than the values in the one combination of values of base objects; and
(ix) calculating, by the processor, a settlement value using at least values in the combination of values of base objects.

US Pat. No. 10,430,880

MARGIN REQUIREMENT DETERMINATION AND MODELING FOR CLEARED CREDIT

Chicago Mercantile Exchan...

1. A credit default swap (CDS) risk modeling computing system comprising:a data repository storing a risk model for cleared credit (RMCC), the RMCC being reactive to current market conditions and persistent to extreme events and including both a margin model and a stress model, the stress model being an extension of the margin model;
at least one processor; and
one or more non-transitory memory devices communicatively coupled to the at least one processor, the non-transitory memory devices storing instructions that, when executed by the at least one processor, cause the CDS risk modeling computing system to:
retrieve, the RMCC from the data repository;
process, the RMCC based on a statistical analysis of risk factors underlying components of a portfolio;
receive, from a user interface screen via a network, an input identifying whether a stress evaluation is to be performed using the stress model or a margin calculation is to be performed using the margin model;
calculate, using a spread risk factor calculator, a spread risk factor based on the input and an identification of whether the stress evaluation is being performed or the margin calculation is being performed, the spread risk factor corresponding to a value at risk (VaR) associated with a plurality of correlation scenario sets, wherein the correlation scenario sets correspond to characteristics of at least one of a single name credit default swap or an index credit default swap of the portfolio;
calculate, using an idiosyncratic risk factor calculator, an idiosyncratic risk factor corresponding to a jump-to-default (JTD) charge and a jump-to-health (JTH) charge associated with the portfolio;
calculate, using an interest rate risk factor calculator, an interest rate risk factor corresponding to losses associated with the portfolio due to a change in interest rates, wherein the interest rate risk factor corresponds to at least an upshot loss and a down shock loss;
calculate, using a liquidity risk factor calculator, a liquidity risk factor corresponding to a liquidity charge associated with the portfolio;
when the input indicates the margin calculation is being performed, calculate, by a margin calculator, a margin requirement for the portfolio based, at least in part on the spread risk factor, the idiosyncratic risk factor, the interest rate risk factor, and the liquidity risk factor; or
when the input indicates the stress evaluation is being performed, calculate a stress requirement associated with the portfolio based, at least in part on the spread risk factor, the idiosyncratic risk factor, the interest rate risk factor, and the liquidity risk factor; and
present information corresponding to the calculated stress requirement or the calculated margin requirement.

US Pat. No. 10,430,879

SYSTEMS AND METHODS FOR TRADES PRICED RELATIVE TO A REFERENCE BENCHMARK VALUE ASSOCIATED WITH AN UNDERLYING INDEX FUTURE

NYSE MKT LLC, New York, ...

1. A system for efficient data retrieval, comprising:a computer processor;
a communication device that receives an indication of a trade in a first time zone that is to be priced relative to a reference benchmark value associated with multiple time zones, the indication including information associated with the trade and the trade having a basis that is determined at least one day prior to a determination of a final price and quantity of the trade, and that transmits the indication to the computer processor; and
a memory, coupled to the computer processor, storing an interactive application for execution by the computer processor,
wherein the interactive application causes the computer processor to execute specialized program instructions to:
retrieve components of the reference benchmark value associated with the multiple time zones from at least one external data source via an electronic network, wherein each of said components are retrieved according to a specific time associated with a respective one of the multiple time zones, said specific time differing from a closing time of the first time zone;
generate a trade identifier and link the trade identifier with the information associated with the trade, said trade identifier comprising a unique alphanumeric code;
map the trade identifier and the information associated with the trade to predefined fields in a data table;
store the trade identifier and the linked information associated with the trade in the data table until a last of the components of the reference benchmark value associated with the multiple time zones is available, thereby delaying execution of said trade;
upon determining that the last of the components of the reference benchmark value is available, automatically retrieve said last component and determine the reference benchmark value based on all of said components of the reference benchmark value associated with the multiple time zones;
determine the final price and the quantity for the trade based on the automatically determined reference benchmark value associated with the multiple time zones;
retrieve at least a portion of the information associated with the trade by searching for the trade identifier in a predefined field among the predefined fields of the data table, such that retrieval of the trade identifier also retrieves the at least portion of information that is linked to said trade identifier; and
assign the final price and the quantity of the trade to the at least portion of information retrieved from the data table to create an executable trade.

US Pat. No. 10,430,878

MATCHED ORDER FULFILLMENT WITH LINEAR OPTIMIZATION

Chicago Mercantile Exchan...

1. A computer implemented method for matching compound orders, the method comprising:receiving, by a server computer system in communication with a plurality of computer devices via a communication network, compound order data from a group of market participants for a plurality of financial instruments, the compound order data for each market participant of the group of market participants representing a single composite order for multiple financial instruments of the plurality of financial instruments, the compound order data specifying, for at least one of the market participant of the group of market participants, at least one non-listed combination of two or more of the plurality of financial instruments, the compound order data specifying a maximum amount of each financial instrument of the plurality of financial instruments to be bought or sold by each market participant of the group of market participants;
accessing a memory in which price data is stored, the price data indicating a respective price of each financial instrument of the plurality of financial instruments at which the compound orders are to be executed;
implementing, with a processor of the server computer system, a linear solver configured for fulfillment of the compound orders, the fulfillment being via order matching for execution at the respective price of each financial instrument of the plurality of financial instruments; and
transmitting trade data indicative of the order matching for execution of trades among the market participants at the respective price of each financial instrument of the plurality of financial instruments;
wherein implementing the linear solver comprises:
configuring the linear solver via a number of constraints on an integer operant function directed to maximizing the fulfillment for the group of market participants, the number of constraints comprising the maximum amounts specified in the compound order data, a respective maximum net risk exposure level for each market participant, and that a net zero number of positions is created for each financial instrument;
determining net risk exposure levels for each market participant by offsetting, for each market participant, risk exposure values resulting from buy orders with risk exposure values resulting from sell orders; and
optimizing the integer operant function using the linear solver;
wherein each respective maximum net risk exposure level specifies long and short bounds on net risk exposure level that allow each market participant to be allocated an unbalanced portfolio as a result of the fulfillment; and
wherein the compound orders to buy the financial instruments are indicated in the integer operant function via integer numbers of contracts having an opposite sign of the orders to sell the financial instruments.

US Pat. No. 10,430,877

ANONYMOUS TRADING SYSTEM

Chicago Mercantile Exchan...

1. A method for reducing the processing power required to trade an instrument on a computerized trading system, the method comprising:storing information in the computerized trading system which identifies a benchmark fixing time at which a benchmark price for the instrument is set;
the computerized trading system receiving a plurality of orders for the instrument during a fixed matching period which precedes the benchmark fixing time, each of the plurality of received orders being from, and associated with, a respective trading entity, wherein each of the plurality of received orders, at the time it is received, includes a quantity, but not a price, at which the trading entity associated with the respective received order is willing to trade the instrument at the benchmark price;
the computerized trading system receiving instructions to cancel at least one of the plurality of received orders before it is matched with another of the plurality of received orders and before the end of the fixed matching period;
the computerized trading system matching, as a function of credit allocated to each of the respective trading entities, at least some the plurality of received orders which have not been cancelled with other of the plurality of received orders as they are received so as to distribute the process of matching orders over the fixed matching period, thereby resulting in a plurality of pairs of matched orders at the end of the fixed matching period;
the computerized trading system setting the benchmark price for the instrument at or after the benchmark fixing time; and
after the benchmark price has been set by the computerized trading system, the computerized trading system executing the plurality of pairs of matched orders at the benchmark price.

US Pat. No. 10,430,876

IMAGE ANALYSIS AND IDENTIFICATION USING MACHINE LEARNING WITH OUTPUT ESTIMATION

Capital One Services, LLC...

1. A system for processing an image including a vehicle using machine learning, comprising:a processor in communication with a client device; and
a storage medium storing instructions that, when executed, configure the processor to perform operations comprising:
receiving an image of a vehicle from the client device;
inputting the image to an input layer of a first convolutional neural network;
extracting one or more features from an output layer of the first convolutional neural network;
inputting the extracted features to an input layer of a second convolutional neural network;
identifying one or more attributes of the vehicle from an output layer of the second convolutional neural network, wherein the identified one or more attributes of the vehicle include a make, model, year, and trim of the vehicle;
obtaining comparison information based at least in part on the identified attributes of the vehicle;
estimating a quote for the vehicle based on the comparison information; and
transmitting the estimated quote for display on the client device.

US Pat. No. 10,430,875

INTEGRATION AND ENHANCEMENT OF BUSINESS SYSTEMS WITH EXTERNAL SERVICES

1. A system comprising:an accounting system of a business running on a first machine under control of said business;
a system integration tool providing an external service running in conjunction with the accounting system of the business, the system integration tool comprising:
a front-end component configured to remotely access accounts receivable data from the accounting system over a digital network, the accounts receivable data comprising a plurality of prior financial transactions, a plurality of entities associated with the plurality of financial transactions, and a plurality of dates associated with the plurality of transactions;
a back-end component comprising a processor and a network interface communicably coupled to the front-end component, the back-end component comprising a program memory including instructions configured to, when executed on a second machine separate from the first machine, at least:
generate a computer-executable service from merging each particular financial transaction of the plurality of prior financial transactions with a historic credit score of an entity at the date of the particular prior financial transaction, wherein the entity is a business or individual having engaged in the particular financial transaction with the business, such that each of the plurality of prior financial transactions for the entity is merged with each of the respective historic credit scores for each of the respective dates of the respective plurality of prior financial transactions;
embed, through access provided by the front-end component, the computer-executable service as part of the accounting system; and
wherein the accounting system, in response to said embedding, is configured to protect the business against insecure financial transactions violating said computer-executable service by locking said accounting system from user entry of a first set of the insecure financial transactions while entering secure financial transactions in the accounting system.

US Pat. No. 10,430,874

VERIFYING A CUSTOMER ADDRESS BY DEVICE LOCATION PRIOR TO SENDING REPLACEMENT CARD

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

1. A method, comprising:storing, by a card management computing system in an account database, an address associated with an account of a user;
determining, by the card management computing system, a location of a mobile device associated with the user via geolocation monitoring of the mobile device;
determining, by the card management computing system, that a card associated with the user needs to be replaced;
upon determining that the card needs to be replaced, determining, by the card management computing system, an address for the user based on the geolocation monitoring by:
comparing an address frequented by the mobile device to the address associated with the account of the user; and
sending an alert to the mobile device in response to determining that the address frequented by the mobile device does not match the address associated with the account;
selecting one of the address frequented by the mobile device or the address associated with the account based on an indication received from the mobile device indicating that the user has selected the of the address frequented by the mobile device or the address associated with the account; and
sending, by the card management computing system, instructions indicating that a replacement card is being sent to at least one of the address frequented by the mobile device or the address associated with the account.

US Pat. No. 10,430,873

METHOD AND APPARATUS TO EVALUATE AND PROVIDE FUNDS IN ONLINE ENVIRONMENTS

Kabbage, Inc., Atlanta, ...

1. A computer implemented method to approve a transfer of funds, the method comprising:performing the following operations on a server, wherein a user is using a remote computer in a remote location from the server:
receiving access to mandatory information about the user and storing the mandatory information in an electronic computer database;
displaying a window on the remote computer of the user comprising a list of a plurality of levels, each level out of the plurality of levels comprising a different type of optional information;
enabling the user to select selected levels in any combination of the plurality of levels in the list in the window, wherein the list indicates which of the plurality of levels is selected;
displaying at least one or more further separate windows on the remote computer of the user corresponding to each of the selected level which thereby receives optional information from the user corresponding to the selected levels in the further separate windows;
storing the optional information in the electronic computer database;
determining an amount of funds to provide to the user using the mandatory information and the optional information; and
allowing the user to request the amount of funds for transfer to the user, and upon the request, initiating an electronic transfer of funds to an account associated with the user, wherein as a result of entering the optional information the user receives an incentive,
wherein the incentive is the amount of funds is greater when the user provides the optional information than the amount of funds if the user had not provided the optional information.

US Pat. No. 10,430,872

METHOD OF VALUATION OF GEOLOGICAL ASSET OR INFORMATION RELATING THERETO IN THE PRESENCE OF UNCERTAINTIES

SCHLUMBERGER TECHNOLOGY C...

1. A method for exploiting a hydrocarbon reservoir in the presence of private and public sources of uncertainties, the method comprising:a) performing a measurement on the hydrocarbon reservoir to obtain data associated with a physical property of the hydrocarbon reservoir, wherein the measurement is made using at least one of (i) well logging, (ii) a seismic survey, and (iii) an electromagnetic survey;
b) defining a public uncertainty associated with the hydrocarbon reservoir and a private uncertainty associated with the hydrocarbon reservoir, wherein the private uncertainty comprises uncertainty associated with the physical property of the hydrocarbon reservoir;
c) constructing a multi-dimensional lattice incorporating the private uncertainty and the public uncertainty, the lattice having a plurality of time-based nodes;
d) assigning risk neutral probabilities to each public uncertainty;
e) assigning subjective probabilities to each private uncertainty;
f) performing a backward recursion through the multi-dimensional lattice including keeping a tally of delta hedging coefficients at each time-based node resulting from the risk neutral probabilities and the subjective probabilities to obtain a value for the hydrocarbon reservoir, wherein each time-based node represents a potential operation to be performed on the hydrocarbon reservoir;
g) developing an operational map for exploiting the hydrocarbon reservoir using the delta hedging coefficients and the value of the hydrocarbon reservoir; and
h) exploiting the hydrocarbon reservoir by implementing the operational map, wherein exploiting the hydrocarbon reservoir comprises at least one of (i) drilling a well within a formation that contains the hydrocarbon reservoir, (ii) producing hydrocarbons from the hydrocarbon reservoir, and (iii) performing a measurement on the hydrocarbon reservoir to obtain data associated with a physical property of the hydrocarbon reservoir;
wherein processes b) through g) are each performed by a processor.

US Pat. No. 10,430,870

METHOD AND SYSTEM FOR REPURPOSING LEASE ANALYSIS, ACCOUNTING, ADMINISTRATION, AND MARKET DATA COMPARISONS

LeaseCalcs, Inc., Irvine...

1. A system that comprises:at least one processor configured to execute program instructions;
a memory configured to store the program instructions, the program instructions comprising:
a lease administration component configured to:
receive at least one of:
at least one lease analysis output element;
at least one lease accounting output element; or
at least one real estate property lease comparables output element;
wherein the at least one lease analysis output element, the at least one lease accounting output element, or the at least one real estate property lease comparables output element includes lease analysis data, lease accounting data, or lease comparables data related to a first user and lease analysis data, lease accounting data, or lease comparables data related to a second user not affiliated with the first user;
receive one or more lease administration input data elements, wherein the one or more lease administration input data elements includes first data elements related to the first user and second data elements related to the second user;
repurpose the at least one lease analysis output element, the at least one lease accounting output element, and/or the at least one real estate property lease comparables output element using at least one of the one or more lease administration input data elements to generate at least one additional lease administration input element;
generate at least one lease administration output element automatically, based on the one or more lease administration input elements and the at least one additional lease administration input element; and
provide a lease administration report that includes the at least one lease administration output element to the first user via a user interface and to a database from which the second user is enabled to obtain the lease administration report.

US Pat. No. 10,430,869

METHOD AND SYSTEM FOR REPURPOSING LEASE ANALYSIS, ACCOUNTING, ADMINISTRATION, AND MARKET DATA COMPARISONS

LeaseCalcs, Inc., Irvine...

1. A system that comprises:at least one processor configured to execute program instructions;
a memory configured to store the program instructions, the program instructions comprising:
a lease analysis component configured to:
receive at least one lease analysis input data element that includes first analysis information related to a first user and second analysis information related to a second user not affiliated with the first user;
generate at least one lease analysis output element based on the at least one lease analysis input data element; and
provide a lease analysis report including the at least one lease analysis output element to the first user via a first user interface; and
a lease accounting component configured to:
receive the at least one lease analysis output element;
receive one or more lease accounting input data elements that include first accounting information related to the first user or second accounting information related to the second user;
repurpose the at least one lease analysis output element using at least one of the one or more lease accounting input data elements to generate at least one additional lease accounting input element;
generate at least one lease accounting output element automatically, based on the one or more lease accounting input elements and the at least one additional lease accounting input element; and
provide a lease accounting report that includes the at least one lease accounting output element to at least the first user via a second user interface and to a database from which the second user is enabled to obtain the at least one lease accounting output element, the lease accounting report also including a financial reporting analysis of a lease with at least one financial reporting requirement associated with one or more first lease accounting rules of a first lease accounting standard and one or more second lease accounting rules of a second lease accounting standard.

US Pat. No. 10,430,868

CONTENT PURCHASES AND RIGHTS STORAGE AND ENTITLEMENTS

COX COMMUNICATIONS, INC.,...

17. A system for maintaining and allowing access to purchased and rented media content, the system comprising:a media provider server having a processing system, a network interface configured to communicate with a plurality of network-connected devices, and a memory for storing a plurality of media content, a media contents account, and instructions that, when executed by the processing system, cause the media provider server to:
register one or more network-connected devices with the media contents account by automatically capturing a unique identification of the one or more network connected devices upon accessing the media contents account;
receive a request to purchase or rent media content over a first platform, the first platform accessing the media content via a first network;
associate the media content with the media contents account;
provide asset identification and entitlement data associated with the media content, the entitlement data identifying the one or more network-connected devices that are authorized to access the media content associated with the asset identification;
store the asset identification and entitlement data associated with the purchased or rented media content in the media contents account such that the media content purchased or rented over the first platform is available from a second platform, the second platform accessing the media content via a second network, the first network and the second network are each selected from a hybrid fiber-coaxial network or a wireless network, and the second network is different from the first network;
manage network-connected device registration information, asset identification, and entitlement data to enable access to purchased and rented media content from a registered network-connected device;
provide an on demand menu on the second platform, the on demand menu having media content available to view, purchase, or rent from a plurality of content providers;
determine whether any of the media content available in the on demand menu match any of the media content associated with the media contents account;
indicate the matched media content in the on demand menu as available over the second platform via the media contents account according to the stored asset identification and entitlement data; and
when the media content becomes no longer available in the on demand menu:
permit continued access to the media content over the second platform by streaming the media content to an authorized device from which the request was sent according to the stored asset identification and entitlement data.

US Pat. No. 10,430,867

VIRTUAL GARMENT CAROUSEL

SelfieStyler, Inc., San ...

1. Tangible, non-transitory computer-readable media comprising instructions encoded therein, wherein the instructions, when executed by one or more processors, cause a computing system to perform a method comprising:generating a first virtual garment carousel for a user, wherein the first virtual garment carousel comprises a plurality of garment images of a first type of garment, wherein generating the first virtual garment carousel for the user comprises: (i) selecting a set of garments for the first virtual garment carousel from a plurality of candidate garments based at least in part on rules relating to a user's activity data, wherein the user's activity data comprises daily, weekly, and monthly activity, and wherein the rules relating to the user's activity data refresh candidate garments most frequently for users with daily activity, less frequently for users with weekly activity, and least frequently for users with monthly activity and (ii) storing at least one garment image for each garment in the selected set of garments in the first virtual garment carousel;
generating a first composite image of the user wearing a first outfit comprising a first garment and a second garment, wherein the first composite image comprises a user image, a first garment image, and a second garment image, wherein the first garment image is a garment image in the first virtual garment carousel, wherein the second garment image is an image of a second type of garment, and wherein garment fit points in the first and second garment images align with corresponding fit points in the user image;
displaying the first composite image in a graphical user interface;
receiving a garment change command via the graphical user interface to change from the first garment image to a next garment image in the first virtual garment carousel;
in response to receiving the garment change command, generating a second composite image of the user wearing a second outfit comprising the second garment and a third garment, wherein the second composite image comprises the user image, the second garment image, and a third garment image, wherein the third garment image is the next garment image in the first virtual garment carousel, and wherein garment fit points of the second and third garment images align with corresponding fit points in the user image; and
displaying the second composite image in the graphical user interface.

US Pat. No. 10,430,866

PERSONALIZED WEBPAGE GIFTING SYSTEM AND METHOD

Gift Card Impressions, LL...

1. A personalized webpage gifting system comprising:a server in communication with a computing device and comprising at least one processor; and
an application executable by the at least on processor to:
generate a first graphical user interface (GUI) to display a dashboard webpage including a plurality of hypertext links to a corresponding plurality of personalized uniform locators (URLs);
receive a selection of one of the personalized URLs;
responsive to the selection of the one of the personalized URLs, generate a second GUI to display a personalized webpage comprising personalized content for a recipient that has been received from a plurality of participants; and
combine the personalized content into a personalized content structure,
wherein the personalized content comprises information associated with a gift purchased by the participants for the recipient,
wherein the gift is selected by the participants from a group of suggested gifts presented via the second GUI,
wherein the suggested gifts are selected by an analytics management module by analyzing information associated with the recipient,
wherein the information associated with the recipient is continually updated based at least in part on click-throughs performed by at least the recipient;
wherein the personalized content structure comprises individual segments of the personalized content from at least one of the plurality of participants,
wherein the personalized content is provided in the form of a multimedia presentation,
wherein at least a portion of the personalized content structure is received from a peripheral device accessible via the second GUI,
wherein the personalized content structure comprises a celebration video,
wherein the personalized content is added to the celebration video at predetermined placement areas that are marked and tracked within the celebration video.

US Pat. No. 10,430,865

PERSONALIZED WEBPAGE GIFTING SYSTEM

Gift Card Impressions, LL...

1. A personalized webpage gifting system comprising:a server in communication with a computing device and comprising at least one processor; and
an application executable by the at least one processor to:
generate a graphical user interface (GUI) for receiving recipient information associated with a recipient and one or more participants from a host;
create a personal uniform resource locator (URL) based upon at least a portion of the recipient information, wherein text of the personal URL comprises at least a portion of the recipient information;
receive, from the recipient, information associated with a wish list to be used by at least one of the host or participants for selection of at least one of a plurality of stored value cards;
receive a selection of whether the selection of the one of the plurality of stored value cards should be delivered electronically or via physical delivery;
generate a personalized webpage addressed by said personal uniform resource locator, the personalized webpage comprising personalized content received from the host and the one or more participants;
receive an individual video message from each of the host and the one or more participants; and
composite the received individual video messages into a single sequential video message by rendering the individual video messages in one or more pre-defined fields having a specified duration, the sequential video comprising the personalized content,
wherein the host is presented with an option to limit the specified duration of the individual video messages to be received.

US Pat. No. 10,430,864

TRANSACTION BASED LOCATION ASSIGNMENT SYSTEM AND METHOD

1. A method of building a physical location computer database including assigned location for items located in a store, the method comprising:forming a first memory matrix including a plurality of logical columns each comprising an identity of one of a corresponding plurality of checkout stands in a given store, the first memory matrix further including a plurality of logical rows each associated with the plurality of logical columns, each of the plurality of logical rows corresponding to a location within the store where an item may be located;
forming a second memory matrix including a plurality of logical columns corresponding to the plurality of checkout stands in the given store, the second memory matrix further including a plurality of logical rows each associated with the plurality of logical columns, each of the plurality of logical rows corresponding to an item purchased in the store at the corresponding one of the checkout stands in the intersecting one of the plurality of logical columns;
performing a best fit of the second memory matrix with the first memory matrix to produce a distribution of probable ones of probable locations within the store that the purchased item was located;
ranking, with a physical processor, the distribution of probable ones of probable locations of each purchased item, based on point of sale (POS) transaction data;
extracting from the probability memory matrix, a highest ranked probable location for each item; and
storing in a logical row in the physical location computer database, the extracted highest ranked probable location for each of a plurality of items,
wherein the best fit generates the most probable location of the plurality of items based on transaction data obtained from the plurality of checkout stands, and the highest ranked probable location for each of the plurality of items is assigned as the location of the respective one of the plurality of items.

US Pat. No. 10,430,863

VOICE COMMERCE

VB Assets, LLC, Bellevue...

1. A method for providing voice commerce, the method being implemented on a computer system having one or more physical processors programmed with computer program instructions which, when executed, perform the method, the method comprising:receiving, by the computer system, a user input comprising a natural language utterance;
providing, by the computer system, the natural language utterance as an input to a speech recognition engine;
obtaining, by the computer system, one or more words or phrases recognized from the natural language utterance as an output of the speech recognition engine;
identifying, by the computer system, based on the one or more words or phrases, a product or service to be purchased on behalf of a user;
searching, by the computer system, one or more databases based on the identified product or service to be purchased on behalf of the user;
selecting, by the computer system, without further user input after the receipt of the user input, a seller from which to purchase the identified product or service based on the search; and
completing, by the computer system, without further user input after the receipt of the user input, a purchase transaction for the identified product or service from the selected seller.

US Pat. No. 10,430,862

EXPANDED SHOPPING PRODUCT PAGE AND CATALOG LAYOUT

EOScart LLC, Providence,...

1. A method comprising:displaying, on a computing device, a window including a retailer page that displays a set of available products from an online retailer and a transition area that is displayed alongside the retailer page in the window;
receiving a selection of a product from the retailer page,
wherein the selection comprises a movement of the product to the transition area;
responsive to receiving the selection, requesting expanded details of the selected product from the bag management system;
receiving the expanded details of the expanded product from the bag management system;
modifying the window to present the retailer page and an expanded product page in the window, the expanded product page including the expanded details of the selected product;
receiving an addition of the product to a bag;
displaying a bag of products including the product;
receiving a checkout request; and
providing a purchase flow for the bag of products responsive to receiving the checkout request.

US Pat. No. 10,430,861

THREE-DIMENSIONAL BODY SCANNING AND APPAREL RECOMMENDATION

NIKE, Inc., Beaverton, O...

1. A system, comprising:a three-dimensional (3D) scanning element;
an electronic data storage configured to store a database including fields for 3D scan data and activity data;
a processor, coupled to the 3D scanning element and the electronic data storage, configured to:
download first 3D scan data from a first time from the database;
obtain second 3D scan data from a second time different than the first time from the 3D scanning element;
determine changes between the first 3D scan data and the second 3D scan data;
obtain activity information from the database; and
determine a difference between the changes as determined and anticipated changes based on the activity information; and
a user interface, coupled to the processor, configured to present information indicative of the difference between the changes and the anticipated changes.

US Pat. No. 10,430,860

SYSTEMS AND METHODS FOR ENHANCING SHOPPING EXPERIENCE IN PHYSICAL STORES

Conduent Business Service...

12. A method for assisting users by presenting recommendations for shopping at physical stores, the method comprising:receiving at least one persona associated with a user based on one or more of: ethnographic data obtained from the user, demographic data associated with the user, buying behavioral data associated with the user, social networking data associated with the user, and one or more historical activities of the user inside one or more physical stores, wherein the one or more historical activities are sensed using at least one of:
a sensor installed in the one or more physical stores, and
a combination of a smartphone, comprising a camera, and a wearable device;
receiving one or more constraints associated with the user, the constraints being specified by the user and including one or more of: a time constraint, a budget constraint, a distance constraint, an item to buy constraint, and a location constraint;
analyzing the at least one persona, the one or more constraints, and the one or more historical activities, to generate a pre-defined number of personalized recommendations; and
generating a graphical user interface for displaying the personalized recommendations to the user.

US Pat. No. 10,430,859

SYSTEM AND METHOD OF GENERATING A RECOMMENDATION OF A PRODUCT OR SERVICE BASED ON INFERRING A DEMOGRAPHIC CHARACTERISTIC OF A CUSTOMER

NETSUITE INC., San Mateo...

1. A computer-implemented method for generating a recommendation for a product or service to a customer, comprising:determining one or more of a first name, a last name, or a zip code of the customer in response to a customer interaction with a graphical user interface associated with a product or service recommendation tool, wherein the product or service recommendation tool is associated with a computer application running on a computing device comprising a processor for executing instructions from a memory;
based at least in part on the determined data, determining by the processor a probability that the customer has a specific demographic characteristic, wherein the probability that the customer has a specific demographic characteristic is determined at least in part by accessing census data that provides information regarding an ethnicity or ethnic group of a person based on one or more of their first name, last name or zip code;
based at least in part on the determined probability, accessing a database by the processor and retrieving by the processor data regarding one or more products or services expected to be of interest to the customer; and
generating by the processor accessing the database a recommendation of one of the one or more products or services and presenting the recommendation to the customer via the graphical user interface associated with the product or service recommendation tool.

US Pat. No. 10,430,858

E-COMMERCE REPLACEMENT OR REPLENISHMENT OF CONSUMABLE

EBAY INC., San Jose, CA ...

1. A computer-implemented method for replacing a consumable, the method comprising using a processor to:transmit a request from a server to a sensor associated with the consumable, the request configured to cause the sensor to send sensor data, the sensor configured to sense a condition of the consumable;
receive, in response to the request, the sensor data regarding the consumable from the sensor;
analyze the sensor data from the sensor to determine both a state of the consumable and a physical or functional specification of the consumable related to operation of the consumable;
estimate a time for depletion of the consumable based on the sensor data;
responsive to a determination that the state of the consumable indicates that performance of the consumable is below a threshold, determine whether a replacement consumable of a same model as the consumable is available;
responsive to a determination that the replacement consumable of the same model is not available, identify a replacement consumable that has a second physical or functional specification that is within a threshold range of the physical or functional specification of the consumable as determined by the sensor data from the sensor associated with the consumable; and
determine a supplier of the replacement consumable able to deliver the replacement consumable before an expiration of the time for depletion; and
automatically place an order for the replacement consumable that has the second physical or functional specification from the supplier.

US Pat. No. 10,430,856

SYSTEMS AND METHODS FOR MARKETPLACE CATALOGUE POPULATION

PAYMENTUS CORPORATION, C...

1. A system for populating a marketplace catalogue by extracting recommendations from a plurality of heterogeneous sources, the system comprising:a user terminal connected to internet, wherein the user terminal is configured for providing a recommendation request;
a storefront server configured for displaying a marketplace catalogue;
a plurality of heterogeneous recommendation source servers for providing a plurality of product recommendations to the storefront server for populating the marketplace catalogue, wherein at least a portion of the plurality of product recommendations are structured in a plurality of heterogeneous formats; and
a recommendation pipeline comprising a plurality of layers for normalizing the plurality of product recommendations provided by the plurality of recommendation source servers and then refining the normative plurality of product recommendations,
wherein the storefront server or the recommendation pipeline is configured to transform the plurality of product recommendations into a normalized format.

US Pat. No. 10,430,855

SYSTEM, AND METHODS FOR INTERACTION WITH A RETAIL ENVIRONMENT

Hussmann Corporation, Br...

1. A retail system configured to provide interaction between a user and product supported in a retail environment, the retail system comprising:a plurality of merchandisers each defining a product display area in which product is supported, each merchandiser including one or more light sources positioned to illuminate the product;
an access device including a processing system operable to select a light characteristic associated with the light sources in response to user input, the access device having a user interface for selection of a desired product, and the access device programmed to generate one or more signals indicative of the selected light characteristic and the desired product; and
a controller in communication with the light sources and the access device,
wherein, in response to the one or more signals indicative of the selected light characteristic and the desired product, the controller is programmed to control at least one of the light sources associated with the desired product to illuminate at least partially based on the light characteristic to identify a location of the desired product to a user.

US Pat. No. 10,430,854

SYSTEM, METHOD, AND NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIA FOR EVALUATING SEARCH RESULTS FOR PERSONALIZED PRODUCT SUBSTITUTIONS

WALMART APOLLO, LLC, Ben...

1. A system comprising:a product database stored on a computer server; one or more processors;
one or more non-transitory memory storage devices storing computer instructions configured to run on the one or more processors and perform:
causing a graphical user interface of a software application (“app”) on a customer device accessible to a customer to permit the customer to place an order online for at least one product of a plurality of products;
receiving, from the software app on the graphical user interface of the customer device, the order for the at least one product of the plurality of products;
determining that the at least one product of the plurality of products is not available for delivery;
responsive to determining that the at least one product is not available for delivery, sending to a search engine a request to locate in the product database at least one substitute product for the at least one product, the search engine being configured to:
initiate a search associated with the request in the product database;
build a co-bought model algorithm by importing transaction data from the product database to compute a co-bought score based on analyzing one or more pairs of the plurality of products comprising an anchor product and a co-bought product, wherein the co-bought model algorithm performs a self-join with the transaction data to calculate the co-bought score of the one or more pairs of the plurality of products;
generate, using the co-bought model algorithm, a list of search results associated with the request, the list of the search results comprising one or more substitute products of a plurality of substitute products; and
assign one or more weights to the one or more substitute products based on at least one substitute preference of the customer;
receiving the list of the search results from the search engine;
ranking the list of the search results with ranks based on the one or more weights assigned to the one or more substitute products; and
causing the graphical user interface of the software app on the customer device to present the one or more substitute products of the list of the search results to the customer based on the ranks.

US Pat. No. 10,430,853

MULTIPLE FORMAT SEARCH RESULT SETS

eBay Inc., San Jose, CA ...

1. A method comprising:receiving, from a first client device, an item listing describing a physical item, the item listing specifying a first time period and a second time period after the first time period;
publishing, via a first application executed by one or more processors of a machine, the item listing on a website in a auction webpage format, the first application configured to update, in a table, numerical value data input from a plurality of users, the first application further configured to receive updates to the numerical value data through the item listing published using the auction webpage format;
in response to determining that the first time period has ended, automatically publishing, via a second application executed by the one or more processors, the item listing on the website in a fixed webpage format, the second application configured to maintain the numerical value data at a fixed numerical value for the second time period;
receiving, via the website, from a second client device, a search request for the physical item described in the item listing, the search request received from the second client device during the second time period while the item listing is on the website in the fixed webpage format; and
in response to the search request, providing, by the one or more processors, to the second client device a user interface comprising an auction search results window that displays a first set of one or more item listings published in the auction webpage format and a fixed search results window that displays a second set of one or more item listings published in the fixed webpage format, wherein the fixed search results window includes the item listing in the fixed webpage format.

US Pat. No. 10,430,852

SOCIAL RESULT ABSTRACTION BASED ON NETWORK ANALYSIS

International Business Ma...

1. A method for aggregating interests across a social network to influence search results by a user, the method comprising:retrieving, by one or more processors, a set of product documents given a rating by social network connections of a user within a social network;
categorizing, by one or more processors, each product document of the set of product documents such that there is at least a first product category;
receiving, by one or more processors, a search request for a product from the user;
determining, by one or more processors, that the product of the search request corresponds to the first product category; and
presenting, by one or more processors, a search result product based on ratings of product documents and the first product category, wherein presenting the search result product based on the ratings of the product documents and the first product category comprises:
presenting a product of the first product category corresponding to a different product than the product document of the first product category based on unfavorable ratings of the product document.

US Pat. No. 10,430,850

SYSTEMS AND METHODS FOR PREVIEWING CUSTOMIZABLE PRODUCTS

PLANETART, LLC, Calabasa...

1. A system comprising:one or more processors; and
one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform:
receiving input from a user, the input comprising one or more user characters, each of the one or more user characters associated with a different character file of one or more character files;
generating a plurality of thumbnails of the one or more user characters on a plurality of customizable products by, for each thumbnail of the plurality of thumbnails:
composing a monogram file comprising the one or more user characters;
adjusting a spacing of a character within each character file of the one or more character files by performing anti-aliasing with the one or more processors to remove jagged or pixelated edges when rendering a low-resolution file associated with the each character file of the one or more character files; and
combining a monogram container file of one or more monogram container files with the monogram file, wherein the one or more monogram container files each comprise a shape, and a monogram of the monogram file is aligned inside the shape of the monogram container file to form a combined image; and
facilitating a display of the plurality of thumbnails to the user in an online user interface.

US Pat. No. 10,430,849

PROPAGATION OF CUSTOMER PREFERENCES

SQUARE, INC., San Franci...

1. A method comprising:receiving, at a payment service and from a first merchant point of sale (POS) device of a first merchant, a first request to authorize a payment instrument of a user for a cost of a first transaction between the user and the first merchant, the first request indicating at least payment information associated with the payment instrument and order information pertaining to the first transaction, the order information including a first item customization preference of the user customizing an item acquired by the user in the first transaction;
attempting to authorize the payment instrument for the cost of the first transaction;
identifying, using the payment information, a profile of the user at the payment service;
identifying, from the order information, the first item customization preference;
storing the first item customization preference of the user in the profile of the user at the payment service along with at least a second item customization preference of the user;
receiving, from a second merchant POS device of a second merchant and after storing the first item customization preference, a second request to authorize the payment instrument for a cost of a second transaction between the user and the second merchant, the second request indicating at least the payment information and identifying a second item to be acquired by the user in the second transaction;
identifying the profile of the user at the payment service using the payment information in response to receipt of the second request;
ranking a plurality of item customization preferences according to pertinence to the second merchant, wherein the plurality of item customization preferences include the first item customization preference amd the second item customization preference;
identifying one or more most pertinent item preferences of the plurality of item customization preferences based on the ranking of the plurality of item customization preferences according to pertinence to the second merchant, wherein the one or more most pertinent item preferences include the first item customization preference;
sending the one or more most pertinent item preferences to the second merchant POS device of the second merchant in response to identifying the one or more most pertinent item preferences of the plurality of item customization preferences, thereby sending the first item customization preference to the second merchant POS device without sending the second item customization preference to the second merchant POS device; and
attempting to authorize the payment instrument for the cost of the second transaction after sending the one or more most pertinent item preferences to the second merchant POS device, wherein the second transaction includes acquisition by the user of the second item customized according to the first item customization preference.

US Pat. No. 10,430,846

TRANSACTION FACILITATING MARKETPLACE PLATFORM

Panjiva, Inc., New York,...

1. A computer-implemented method for ranking supplier or buyer search results comprising:converting, with a processor, structured data associated with a plurality of suppliers into a unified data format independent of a physical format of delivery and a logical formatting of the structured data;
storing, in a memory device, the structured data in the unified format;
comparing, with a processor, the structured data to search keywords received from a user through a user interface hosted by a server;
generating, with the processor, a candidate search result set of entities based on the comparison, wherein the candidate search result set of entities comprises a filtered number of suppliers from the plurality of suppliers;
weighting a combination of a plurality of entity performance measures for a portion of the entities in the candidate search result set of entities, wherein the plurality of entity performance measures includes at least one measure selected from the list consisting of: number of shipments made by the supplier that matches at least one aspect of a buyer's request, number of similar products the supplier makes that match the buyer's request, export value per category of product exported by the supplier, and number of certifications or clearances that a particular supplier has;
ranking, with the processor, the filtered number of suppliers based on the weighted combination of the plurality of entity performance measures; and
arranging the search results based on the ranking.

US Pat. No. 10,430,845

SYSTEMS AND METHODS FOR AUTOMATED PURCHASE REQUESTS

ADVENTIVE, INC., Rochest...

1. A method for facilitating automated product procurement according to established authorization level data, the method comprising:receiving by a processor of an application provider apparatus a purchase request to purchase at least one product, the purchase request submitted by a specified user within a group of users in a business enterprise and via a shopping cart of a Website, wherein the shopping cart includes transaction detail data comprising the purchase request;
determining and providing by the processor of the application provider apparatus payment option data comprising one or more of a plurality of payment options available for use by the specified user based on an established authority of the specified user;
receiving by the processor of the application provider apparatus a selection of one of the one or more provided payment options from the specified user;
determining by the processor of the application provider apparatus the submitted purchase request does not comply with stipulated approval level data for the specified user based at least in part on at least a portion of the transaction detail data, without user intervention, wherein the stipulated approval level data comprises a level of purchasing authority of the specified user based on designation data for the specified user comprising a designation of the user within the business enterprise, the level of purchasing authority comprising a maximum allowable number of purchase requests for the specified user within a specified time period;
and
denying by the processor of the application provider apparatus the submitted purchase request and transferring the transaction detail data comprising the purchase request from the shopping cart to a computing device associated with another of the group of users having associated authority data indicating an authority to submit the purchase request within the specified time period based on an obtained number of purchase requests previously-submitted by the other of the group of users within the specified time period.

US Pat. No. 10,430,843

METHOD AND SYSTEM FOR PURCHASING NON-FUEL MERCHANDISE

ADDITECH, INC., Sugar La...

1. A system, comprising:a fuel dispenser for dispensing fuel to a vehicle;
a fuel additive system in communication with the fuel dispenser, wherein the fuel additive system comprises:
a computer system; and
a hydraulic controller for dispensing a fuel-additive product to the vehicle; and
a point-of-sale system in communication with the fuel dispenser and the fuel additive system, wherein at least a portion of the point-of-sale system is located inside a retail store, and wherein the computer system of the fuel additive system is for:
monitoring purchase messages between the fuel dispenser and the point-of-sale system for purchase selections made at the fuel dispenser to determine whether purchases at the fuel dispenser include the fuel-additive product;
upon a determination that a first purchase message of the purchase messages between the fuel dispenser and the point-of-sale system does not include the fuel-additive product, subsequently passing the first purchase message to the point-of-sale system; and
upon a determination that the first purchase message includes the fuel-additive product:
creating a new purchase message regarding the fuel-additive product in a format receivable by the point-of-sale system and forwarding the new purchase message to the point-of-sale system; and
upon detecting dispenser fuel pulses from the fuel dispenser indicative of fuel flow, controlling the hydraulic controller to dispense the fuel-additive product for the vehicle; and
wherein the point-of-sale system is for presenting a total amount of the purchase selections at the point-of-sale system.

US Pat. No. 10,430,842

METHOD, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR DYNAMICALLY PRICING PERISHABLE GOODS

ECONOMEMETICS AB, Helsin...

1. A method comprising:performing a pricing process for perishable goods on a programmed data processing apparatus,
wherein the programmed data processing apparatus comprises a memory system for storing program code instructions and data, a processing system configured to execute at least some of the program code instructions and to process the data stored in the memory system, and
wherein the processing system is operatively coupled to a database system,
wherein the database system stores information on a plurality of items of goods, wherein the memory system comprises program code instructions for causing the processing system to carry out the pricing process, wherein the pricing process comprises the following acts for each of a plurality of items of goods:
a) monitoring a time parameter T corresponding to the time period from T0 to Tn when an item of goods is good for sale, and if the time parameter T b) periodically updating a current price Pcurrent for the item of goods at every predetermined time interval to dynamically reflect potential buyers' interests, based on an estimation of how many items of goods should have been sold in order for exactly all of the items of goods to be sold at the highest possible average price before Tn, and a real demand for an ongoing sale situation after commerce starts;
c) producing a virtual marketplace displaying in a general buyer interface information of the item of goods including the periodically updated current price Pcurrent viewable by buyers through buyer terminals connected to the virtual marketplace via a network;
d) setting a maximum number of items Vquote for the buyers indicating a maximum number of items of goods purchasable by each buyer during a freeze time period ?Tfreeze, Vquote being equal to or smaller than a maximum cumulative volume of the perishable goods MAX(CV);
e) receiving an indication of interest to buy at least one item of goods from a particular buyer through one of the buyer terminals interacting with the virtual marketplace;
f) in response to receiving the indication of interest to buy the at least one item of goods, generating a buyer specific buyer interface associated with the time of receiving the indication of interest, displaying in the buyer specific buyer interface a temporarily fixed price Pfreeze equal to current price Pcurrent for the freeze time period ?Tfreeze, viewable through the buyer terminal by said particular buyer that indicated the interest to buy the at least one item of goods;
g) automatically updating the current price Pcurrent in response to offering a temporarily fixed price Pfreeze, taking into consideration the indication of interest, and displaying in the general buyer interface the updated current price Pcurrent viewable by buyers through buyer terminals connected to the virtual marketplace;
h) keeping periodically updating the current price Pcurrent for the item of goods displayed in the general buyer interface while keeping the temporarily fixed price Pfreeze displayed in the buyer specific buyer interface unchanged during the freeze time period ?Tfreeze;
i) accepting a purchase order for the at least one item of goods at the temporarily fixed price Pfreeze if a number of the at least one item of goods of the purchase order is equal to or smaller than the maximum number of items Vquote for the particular buyer and the purchase order is received within the freeze time period ?Tfreeze from the buyer terminal interacting with the displayed item of goods in the virtual marketplace;
j) rejecting the purchase order if the number of the at least one item of goods of the purchase order exceeds the maximum number of items Vquote for the particular buyer;
k) rejecting the purchase order if the purchase order is received after the freeze time period ?Tfreeze;
l) automatically updating the current price Pcurrent of the item of goods in response to receiving an accepted and/or rejected order and displaying in the general buyer interface the updated current price Pcurrent viewable by buyers through buyer terminals connected to the virtual marketplace; and
automatically repeating the acts b) through l) until the time parameter T equals the maximum time Tn.

US Pat. No. 10,430,841

SYSTEMS FOR DETERMINING CUSTOMER INTEREST IN GOODS

Capital One Services, LLC...

1. A system for determining customer interest in goods, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive customer location data from a smart device associated with a customer indicating the customer is within a retail venue of a retailer;
monitor, based on the customer location data, a current location of the customer within the retail venue;
receive goods location data from a plurality of transmitter devices indicating locations of goods for sale within the retail venue;
monitor, based on the goods location data, a current location of the goods within the retail venue;
determine that the customer is interested in a particular good for sale within the retail venue based on one of the current customer location remaining in proximity to the current location of the particular good for a predetermined period of time, or a listing of the particular good within proximity to the customer on a customer account;
store each determination that the customer is interested in the particular good for sale within the retail venue;
generate a profile of shopping behavior of the customer based on the stored interest determinations;
conduct a search of pricing of the particular good at one or more other retailers;
send a price comparison to the customer for the particular good based on results of the price search; and
generate a model of the customer interest in a plurality of goods at the retail venues.

US Pat. No. 10,430,840

SYSTEMS AND METHODS FOR CREATING AN INTERSTITIAL AD EXPERIENCE WITHIN A SCROLLING CONTENT FRAME

GOOGLE LLC, Mountain Vie...

1. A method of controlling the display of content of information resources, comprising:receiving, by one or more servers including one or more processors, a request for an information resource from an application executing on a client device; and
transmitting, by the one or more servers, the information resource to the client device, the information resource including at least a first content portion, a second content portion, and a content display management script, the content display management script including computer-executable instructions, which when executed by a processor of the client device, causes the application of the client device to:
set a scroll range of the information resource to a first range extending from a first location in the information resource to a second location in the information resource to allow scrolling through the first content portion and a content item and to restrict scrolling onto the second content portion;
permit, based on the scroll range set to the first range, display of the first content portion and the content item between the first location and the second location of the information resource, the content item including an actionable item configured to cause the application to set the scroll range of the information resource to a second range extending from the first location to a third location; and
responsive to detecting an interaction on the actionable item of the content item, set the scroll range to the second range extending from the first location to the third location of the information resource to allow scrolling through the first content portion, the content item, and the second content portion while maintaining a current scroll position within the information resource.

US Pat. No. 10,430,839

DISTRIBUTED ADVERTISEMENT INSERTION IN CONTENT-CENTRIC NETWORKS

Cisco Technology, Inc., ...

1. A computer-executable method for facilitating delivery of advertisements over a Content-Centric Network, comprising:receiving, by a computing device implementing an affiliate network node in the Content-Centric Network, a content piece from a content producer, wherein the affiliate network node that receives the content piece is not the same as the content producer from which the content piece originated, and wherein the content piece includes a placeholder name prefix associated with a predetermined advertising slot;
modifying, by the affiliate network node, the content piece by replacing the placeholder name prefix with a name prefix of an advertisement or a name prefix associated with an advertiser;
hosting the modified content piece at the computing device implementing the affiliate network node for distribution to one or more clients;
receiving a request over the Content-Centric Network for the content piece from a client; and
delivering, by the affiliate network node, the modified content piece to the client over the Content-Centric Network.

US Pat. No. 10,430,838

METHODS AND SYSTEMS FOR GENERATION, CURATION, AND PRESENTATION OF MEDIA COLLECTIONS WITH AUTOMATED ADVERTISING

Snap Inc., Santa Monica,...

1. A method for automatic curation and editing of video and image content collections with a curation tool, the method comprising:receiving, at a server computer, a first plurality of content messages from a plurality of content sources, each content message comprising media content, and each content message being associated with a first media collection;
generating, using the curation tool and one or more processors, a presentation order for the first plurality of messages of the first media collection;
generating, by the curation tool and the one or more processors, a first continuous presentation group by associating a first content element from a first content message of the plurality of content messages and a second content element from a second content message of the plurality of content messages to associate the first content element and the second content element as the first continuous presentation group;
automatically determining advertising element placement within the presentation order for the first media collection using the curation tool and the one or more processors; and
automatically adjusting placement of a first advertising element within the presentation order, using the curation tool and the one or more processors, based on the association between the first content element and the second content element as the continuous presentation group to generate an adjusted presentation order.

US Pat. No. 10,430,837

DISPLAY REGION ALLOCATION USING CATEGORY-BASED CONTEXTUAL TECHNIQUES

PAYPAL, INC., San Jose, ...

1. A method, comprising:receiving, at a computer system from a user, a search query entered by the user via an input interface displayed on a user device;
causing allocation, by the computer system in response to the search query, of a first display region of the user device for displaying a combination of variable revenue ads and fixed price ads, the first display region including a first display portion allocated for display of only variable revenue ads and a second display portion allocated for display of only fixed price ads;
in response to a determination that there are not enough fixed price ads in a paid inventory of fixed price ads to fill positions allocated for fixed price ads in the first display region, the computer system moving at least one variable revenue ad into a position in the first display region that would otherwise be occupied by a fixed price ad, wherein the at least one variable revenue ad is selected to occupy the position based at least in part on a number of clicks associated with the at least one variable revenue ad;
causing display, by the computer system, of the first display region on the user device, including the first display portion including only variable revenue ads and the second display portion including only fixed price ads;
receiving a selection of one of the variable revenue ads or one of the fixed price ads; and
causing a view item page to be presented on the user device, the view item page being associated with the selected one of the variable revenue ads or one of the fixed price ads, the view item page being a different page than a first page, the view item page including a link to a merchant website that is associated with the selected one of the variable revenue ads or the one of the fixed price ads.

US Pat. No. 10,430,836

TARGETING AN AGGREGATE GROUP

Google LLC, Mountain Vie...

1. A computer implemented method for providing content comprising:identifying, using a processor, a relevant content item to be provided in a content slot associated with a content site at a first user device;
providing, for presentation with the relevant content item, a first user selectable re-publishing control, wherein selection of the first re-publishing control causes display of one or more second-republishing controls;
receiving first user input indicative of a selection of the first re-publishing control;
displaying, in response to receiving the first user input indicative of the selection of the first re-publishing control, one or more second re-publishing controls, wherein the one or more second re-publishing controls were not displayed prior to selection of the first re-publishing control, and wherein the one or more second re-publishing controls allow a user of content site to enter text to be associated with the relevant content item as a comment;
receiving, via the one or more second re-publishing controls, second user input including text to be associated with the relevant content item as a comment;
receiving third user input selecting a portion of the one or more second re-publishing controls and designating a group of recipients that is designated by the user and does not include the user as recipients of the relevant content item;
responsive to receiving the third user input, associating the text with the relevant content item and re-publishing the relevant content item along with the associated text to the group of recipients;
wherein re-publishing the relevant content item to the group of recipients includes providing to a second user device associated with a recipient from the group of recipients, the relevant content item along with content overlay information, the content overlay information causing the second user device to present a graphical visualization of a content overlay having (1) a third re-publishing control configured to allow the recipient from the group of recipients to re-publish the relevant content item, (2) an information control that, when selected, causes the second user device to retrieve and present additional information associated with the relevant content item, and (3) an indication of a geographic proximity of the user of the first user device to the second user device.

US Pat. No. 10,430,835

METHODS, SYSTEMS, AND MEDIA FOR LANGUAGE IDENTIFICATION OF A MEDIA CONTENT ITEM BASED ON COMMENTS

Google LLC, Mountain Vie...

1. A method for language identification of media content, the method comprising:obtaining a plurality of comments associated with a media content item;
selecting a subset of the plurality of comments based on one or more criteria;
assigning, for each comment in the subset of the plurality of comments, a representation of language probabilities, wherein each component of the representation is assigned a language probability that indicates the likelihood that the comment includes content in a language from a plurality of languages;
combining the representation of language probabilities for each comment in the subset of the plurality of comments to generate a combined language representation;
identifying a language associated with the media content item based on the combined language representation; and
performing an action based on the identified language that includes determining that a second media content item to be presented has a language identifier that is different than the identified language and presenting subtitle information during the presentation of the second media content item, wherein the subtitle information is in the identified language.

US Pat. No. 10,430,834

COMPUTER STORE OF POSTS FOR POSTING TO USER WEBPAGES OF SOCIAL NETWORKING SERVICES FROM A CONTENT PROVIDER FOR EXPANDING COMMERCIAL ADVERTISING AT THE USER WEBPAGES

1. A system, comprising:a content provider serving a first user webpage;
a computer store containing a library of posts, the posts are different from one another, each of the posts is associated with a post select control, and is for being posted to a second user webpage of a social networking service;
the first user webpage displays an external posting link associated with the computer store and the second user webpage;
a computer server at the content provider, the computer server is coupled to the computer store and for each of the posts is programmed to receive from a web browser of a computer user a signal indicating activation of the post select control of a selected one of the posts displayed by the first user webpage, automatically link the selected one of the posts to the external posting link, receive from the web browser of the computer user a signal indicating activation of the external posting link, and automatically issue the selected one of the posts to the second user webpage for posting thereon.

US Pat. No. 10,430,831

PRIORITIZING COMPANIES FOR PEOPLE SEARCH

Microsoft Technology Lice...

1. A computer-implemented method comprising:generating a people search results page (PSERP), the PRERP comprising references to one or more member profiles representing respective members in an on-line social network system;
using at least one processor, identifying a company keyword as representing the PSERP, the company keyword associated with a company identification representing a company profile maintained in the on-line social networking system;
determining importance score for the company keyword utilizing data reflecting how frequently people-related search requests include the company keyword and also reflecting a number of member profiles in the on-line social network system that follow the company profile;
generating a priority score for the company keyword, utilizing the importance score; and
generating a web page including a reference to the PSERP based on the priority score for the company keyword.

US Pat. No. 10,430,830

ADVERTISEMENT SELECTION USING UNCERTAIN USER DATA

Samsung Electronics Co., ...

1. A method comprising:identifying, by a processing device, at least one user data including a combination of actual user data and noise data;
wherein identifying the at least one user data includes:
identifying an actual user profile based on the actual user data, the actual user profile including one or more first data fields, each of the one or more first data fields having an actual value assigned thereto indicative of the actual user data;
identifying a fake user profile as the noise data, the fake user profile including one or more second data fields, each of the one or more second data fields having a fake value assigned thereto, the fake value being different than the actual value; and
obtaining the at least one user data by combining the actual user profile and the fake user profile;
transmitting, by the processing device, the identified at least one user data to a remote computing device;
receiving, by the processing device, an advertisement response message from the remote computing device, the advertisement response message including one or more ad content, and one or more conditions, wherein the one or more ad content, and the one or more conditions are identified based on the identified at least one user data including the combination of the actual user data and the noise data by the remote computing device;
in response to identifying that a first condition among the one or more conditions is satisfied based on the actual user data, identifying, by the processing device, a first ad content corresponding to the first condition among the one or more ad content; and
displaying, by the processing device, an advertisement that is based on the first ad content.

US Pat. No. 10,430,829

SYSTEMS AND METHODS FOR GENERATING CURATED AND CUSTOM CONTENT FOR DATA-DRIVEN APPLICATIONS USING CLOSED-LOOP DATA

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:obtaining, by a processor, first user data for a first user including first user transaction data based on records of charge, first user spend frequency, first user historical demographic data, first user historical account information, third party data, social media data, government data, first user feedback data, first user preferences, first user settings, application settings, click stream data, and first user interaction data;
providing, by the processor, real-time updates of at least a portion of the first user data;
determining, by the processor and using first user transaction data, first user interests based on patterns in types of merchant visitation displayed in a first transaction history of the first user data;
creating, by the processor, interest scores for the first user interests;
determining, by the processor, merchant statistics based on percent of different segments of consumers that return to a merchant location, wherein the merchant statistics are used to evaluate lodging, flights, dining and travel products;
profiling, by the processor, spend of different segments of consumers to create spend profiles based on repeat visits by the consumers, international visits by the consumers and duration of visits by the consumers;
providing, by the processor and using a computational framework, data transformations of at least the portion of the first user data, wherein the data transformations include raw data transformations, custom content, first user spend predictions, the interest scores, merchant scores, the merchant statistics and the spend profiles;
generating, by the processor, second user characteristics for a second user based on similarity matrices with the first user by using the first user transaction data and collaborative filtering;
determining, by the processor, that the second user has similar attributes as the first user and based on the similarity matrices;
implementing, by the processor, lookalike modeling and segmentation to provide the second user with the custom content based on similarity with the first user in a similar segment;
creating, by the processor, merchant-to-merchant similarity matrices based on the first user transaction data and using the collaborative filtering;
generating, by the processor, a merchant score based on the merchant-to-merchant similarity matrices, merchant visitations, a repeat customer base in the merchant visitations and spend patterns by different segments of the consumers, the first user data, first user spend patterns, types of merchants visited by the first user, travel preferences, first user interests, the first user spend frequency and the first user historical demographic data;
generating, by the processor and using a computational framework, the first user spend predictions based on the first user transaction data;
generating, by the processor, a first user profile based on the first user data; mapping, by the processor and using the first user spend predictions, the first user profile with merchant profiles to identify relevant merchants for the first user;
receiving, by the processor, a search parameter that identifies a travel preference associated with the first user profile;
retrieving, by the processor, a search result matching the travel preference associated with the first user profile;
sorting, by the processor, the search result to create a sorted search result based on search result characteristics of importance to the first user according to the first user profile; and
providing, by the processor and via a travel application, the sorted search result.

US Pat. No. 10,430,828

METHOD AND SYSTEM FOR AMBIENT MEDIA SELECTION BASED ON TRANSACTION HISTORY AND DEMOGRAPHICS

MASTERCARD INTERNATIONAL ...

1. A method for identifying ambient media selections based on transaction history, comprising:communicating, by a receiving device of a processing server, with a payment network and receiving, from the payment network, transaction data associated with a plurality of payment transactions conducted by a plurality of consumers, wherein the processing server is configured to communicate with the payment network using a specially configured infrastructure associated with the payment network;
storing, in a transaction database of the processing server, a plurality of transaction data entries for the plurality of consumers, wherein each transaction data entry is associated with a respective consumer of the plurality of consumers and includes respective transaction data, received from the payment network, related to a payment transaction including at least a merchant identifier associated with a merchant involved in the related payment transaction, and a primary account number associated with a transaction account, of the respective consumer, used in the related payment transaction;
receiving, by the receiving device of the processing server, an ambient media request, wherein the request originates from a processor of the merchant and includes at least a specific merchant identifier associated with the merchant;
identifying, by a processing device of the processing server, a subset of transaction data entries from the plurality of transaction data entries stored in the transaction database, wherein each transaction data entry in the subset includes a merchant identifier corresponding to the specific merchant identifier;
identifying, by the processing device of the processing server, at least one set of demographic characteristics of a group of consumers associated with the identified subset of transaction data entries based on at least one of the primary account number and the transaction data included in the transaction data entries in the identified subset of transaction data entries;
identifying, by the processing device of the processing server, an ambient media selection corresponding to each identified set of demographic characteristics based on the respective demographic characteristics of the group of consumers; and
transmitting, by a transmitting device of the processing server, to the merchant at least the identified ambient media selection corresponding to each of the at least one set of demographic characteristics of the group of consumers.

US Pat. No. 10,430,827

MAINTAINING INFORMATION DESCRIBING A GROUP OF ONLINE SYSTEM USERS SPECIFIED BY A THIRD-PARTY SYSTEM

Facebook, Inc., Menlo Pa...

1. A method comprising:maintaining, at an online system, a plurality of target groups of users of the online system, each target group being defined by user characteristics satisfying one or more targeting criteria for the target group, each target group including a plurality of users of the online system;
periodically determining a group score for each target group that corresponds to a value of the online system maintaining the target group, the group score for each target group being determined by:
identifying each of the plurality of users of the online system included in the target group;
identifying, from information maintained by the online system for each user of the plurality of users included in the target group, one or more targeting criteria used by the online system to select content for each user included in the target group;
determining a user score for each of a plurality of the users included in the target group, the user score being determined as a function of a number of the plurality of target groups maintained by the online system in which the user is already included based on the user characteristics for the user satisfying one or more of the targeting criteria for the number of the plurality of target groups, the user score for a user providing a measure of value in having the user be included in the target group based on targeting criteria associated with the user, the user score being inversely related to the number of the plurality of target groups in which the user is included;
aggregating the determined user scores for each of the plurality of the users included in the target group to determine the group score;
responsive to the group score for the target group being greater than at least a threshold value, continue storing, by the online system, the information describing the target group in the memory of the online system; and
responsive to the group score for the target group being less than the threshold value, removing the information describing the target group from the memory of the online system.

US Pat. No. 10,430,826

CONVERSION TIMING PREDICTION FOR NETWORKED ADVERTISING

Quantcast, San Francisco...

1. A computer-implemented method comprising:receiving, from a data repository, histories of a plurality of converted entities, each history comprising records of events associated with a respective converted entity;
calculating a respective conversion timespan for each converted entity, the respective conversion timespan comprising a time difference between an entry event of the respective converted entity and a conversion event of the respective converted entity;
fitting a conversion timing model to a distribution of the calculated conversion timespans, wherein the conversion timing model is configured to predict, from an elapsed time since an entry event of an entity, a likelihood of conversion for the entity;
receiving, from a real time bidding exchange, notification of an opportunity to bid on an advertising exposure associated with a candidate entity;
responsive to receiving notification of the opportunity to bid, predicting a likelihood of conversion for the candidate entity by applying the conversion timing model to an elapsed time since an entry event of the candidate entity;
and
preparing a response to the notification, the response comprising a bid price determined from the predicted likelihood of conversion for the candidate entity.

US Pat. No. 10,430,825

RECOMMENDING ADVERTISEMENTS USING RANKING FUNCTIONS

Adobe Inc., San Jose, CA...

1. In a digital medium environment to recommend one of a plurality of digital content items for a user in order to increase a likelihood of user interaction with the recommended digital content item, a method implemented by at least one computing device comprising:obtaining user data, by the at least one computing device, that provides a user context vector of the user responsive to navigation by a user device of the user to a web page;
for each of the plurality of digital content items, generating, by the at least one computing device, a score using a respective ranking function for a respective digital content item that computes a dot product of the user context vector and ranking weight vectors of the respective digital content item of the plurality of digital content items, the ranking weight vectors for each respective ranking function learned by a training module that obtains training data describing previous positive user interactions and negative user interactions with the plurality of digital content items and learns the ranking weight vectors by controlling scores of the positive user interactions to be higher than the negative user interactions by optimizing an area under the curve ranking loss (AUCL) function for each respective ranking function;
generating, by the at least one computing device, normalized scores by shifting the generated scores for the digital content items using a threshold score;
generating a ranked list of the digital content items by sorting the digital content items in descending order based on the normalized scores of the digital content items;
selecting, by the at least one computing device, a digital content item from the ranked list of the digital content items that is associated with a highest normalized score;
communicating, over a network, the selected digital content item with the highest normalized score to the user device of the user for display within the web page;
receiving user feedback indicating whether the user interacted with the selected digital content item; and
updating the ranking weight vectors associated with the selected digital content item based on the user feedback.

US Pat. No. 10,430,823

SYSTEMS AND METHODS TO OPTIMIZE MEDIA PRESENTATIONS USING A CAMERA

Visa International Servic...

1. A computer-implemented method, comprising:storing, by a data warehouse, transaction data;
receiving, by a communication portal, first images of customers from at least one first digital camera;
identifying, by a computing apparatus, a characteristic of a plurality of customers based on the first images of the customers;
receiving, by the communication portal, from at least one second digital camera, second images of customers, including a first customer using a first computing device, who make payment transactions, the at least one second digital camera attached to a transaction terminal;
identifying, by the computing apparatus, a subset of customers from the plurality of customers who make payment transactions and who have the identified characteristic, the identifying comprising correlating the first images and the second images to identify the subset of customers based on facial recognition, wherein customers who do not make a payment transaction within a predetermined period of time are excluded from the subset of customers;
generating, by the computing apparatus, an aggregated spending profile for the subset of customers based on transactions of the subset of customers, the generating based on the transaction data stored in the data warehouse;
modifying, by a media controller, content for sending to a point of interaction as controlled by the aggregated spending profile of the subset of customers;
sending, by the communication portal, the modified content to the point of interaction to cause display of the modified content;
generating, by the media controller, an electronic file;
transmitting, by the communication portal, a communication to the first computing device of the first customer, the communication to cause display of the electronic file in a user interface of the first computing device; and
receiving an authorization request from a first transaction terminal of the at least one transaction terminal for a transaction made by the first computing device using the electronic file.

US Pat. No. 10,430,822

ADVERTISING AND CUSTOMER LOYALTY SYSTEM

1. An advertising and customer loyalty method operable to facilitate an enhanced relationship between businesses and customers comprising the steps of:providing a server, wherein the server includes the necessary electronics to receive, store, transmit and manipulate data, wherein the server is operably coupled to the Internet;
providing a website, wherein the website is operated on said server, said website providing a user interface to install a software application of the advertising and customer loyalty system;
registering a plurality of businesses, said plurality of businesses having a physical location, wherein during registration of the plurality of businesses a business profile is created and stored in a database operably coupled with said server;
registering a plurality of customers, wherein during registration of the plurality of customers a customer profile for each customer is created and stored in said database, said customer profile containing informational and demographic data about each customer;
installing the software application, wherein the at least one customer installs the software application on a portable computing device;
creating a reward campaign, wherein one of the plurality of businesses creates a reward campaign wherein a business will exchange a reward for a customer that has accumulated a quantity of points;
proceeding to one of the plurality of businesses, wherein one of the plurality of customers traverses to said physical location of the one of the plurality of businesses;
taking a photograph, said photograph being taken by the portable computing device, said photograph having a subject matter relevant to the business where the photograph was taken;
incorporating an image, wherein the software application incorporates an image into the photograph;
moving the image, wherein the software application facilitates the ability to move the image on the photograph so as to place in a desired position;
saving the photograph, wherein the photograph is saved to said database on said server, said photograph being saved with the image being a part thereof;
posting said photograph, said photograph being posted to at least one social media platform utilizing the portable computing device;
earning a point, wherein the customer taking the photograph and posting to at least one social media platform earns a point for posting said photograph to a social media platform; and
visiting the business at least one additional time, taking a second photograph, wherein said second photograph is taken with the portable computing device and wherein the second photograph includes subject matter relevant to the business;
posting the second photograph, wherein the second photograph is posted to a social media platform;
earning a second point, said customer earning a second point for posting the second photograph to the social media platform;
earning a reward, said reward being earned by the customer for posting the photograph and the second photograph to the social media platform; and
redeeming points, said customer redeeming points earned for a reward at a business with a reward campaign.

US Pat. No. 10,430,821

PREPAID REWARDS CREDITED TO A TRANSACTION ACCOUNT

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:receiving, by a computer based system, a prepaid transaction account identifier that corresponds to a prepaid transaction account,
wherein the prepaid transaction account identifier does not particularly identify a user of the prepaid transaction account;
linking, by the computer based system and in response to the receiving, the prepaid transaction account with a rewards program based on the prepaid transaction account identifier,
wherein the rewards program includes a rewards program identifier, and
wherein the rewards program is linked to a social networking channel profile for a social networking channel;
receiving, by the computer based system and from a merchant system, an authorization request for a transaction including transaction information, wherein the transaction was initiated with the prepaid transaction account;
determining, by the computer based system and in response to the receiving the authorization request from the merchant system and prior to approving the authorization request, an offer from a plurality of offers based on the authorization request associated with the prepaid transaction account, wherein the offer applies to the transaction initiated with the prepaid transaction account;
transmitting, by the computer based system and through the social networking channel, a notice of a reward credit amount associated with the offer;
approving, by the computer based system, the authorization request for the transaction based on the transaction information received from the merchant; and
crediting, by the computer based system, the reward credit amount to the transaction account in response to the authorizing the transaction initiated by the prepaid transaction account.

US Pat. No. 10,430,820

ENHANCING REVENUE BY DRIVING CREDIT ACCOUNT PURCHASES THROUGH A SINGLE NATIVE MOBILE APPLICATION

Comenity LLC, Columbus, ...

1. A computer-implemented method for enhancing revenue by driving credit account purchases through a single native mobile application, said computer-implemented method comprising:browsing, on a mobile device, retail items via said single native mobile application executing on the mobile device, wherein said browsing is not required to be web-based browsing, and wherein said single native mobile application is provided by a party;
determining, at a point of sale (POS), a multi-tender payment for said retail items, said multi-tender payment comprising two or more distinct payment types,
a first of said distinct payment types comprising a cash payment with reference to a mobile marketing loyalty reward program, and
a second of said distinct payment types comprising an amount to be paid via credit;
presenting, via a display on the mobile device, an additional mobile marketing loyalty reward earning opportunity for a user of said mobile device by said single native mobile application,
said additional mobile marketing loyalty reward earning opportunity providing an additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program that can be obtained by said user when a credit account issued by the party is used to make at least part of the multi-tender payment; and
providing said additional amount of mobile marketing loyalty rewards for said mobile marketing loyalty reward program to said user after said retail items are purchased by said user, said additional amount of mobile marketing loyalty rewards based on the amount of the multi-tender payment actually made with the credit account issued by the party.

US Pat. No. 10,430,819

SYSTEMS AND METHODS FOR CONNECTING MERCHANT LOYALTY PROGRAMS WITH PAYMENT CARDS

Mastercard International ...

1. A computer-based method for providing a loyalty identifier to a merchant using a payment network, said method implemented using a loyalty program (LP) computing device in communication with a memory and a payment network server of the payment network, said method comprising:storing, in the memory, a link to a plurality of consumer profiles, each of the consumer profiles associated with a corresponding cardholder of a plurality of cardholders and including a biometric reference data associated with the corresponding cardholder;
storing, in the memory, a plurality of loyalty programs each associated with a corresponding merchant identifier of a plurality of merchant identifiers;
receiving, by the LP computing device from a client device, a registration request for a first cardholder of the plurality of cardholders, the registration request including a selection of a first of the plurality of loyalty programs and a loyalty identifier associated with the first cardholder and the first loyalty program;
storing, by the LP computing device, a second link between the loyalty identifier, the first loyalty program, and the corresponding consumer profile within the memory, wherein the first loyalty program includes a discount amount;
receiving, by the LP computing device from the payment network server, a first authorization request message for a payment transaction initiated by the first cardholder using a payment card at an originating merchant, the first authorization request message including a biometric scan data obtained from the first cardholder during the payment transaction, a first payment amount, and a first merchant identifier of the plurality of merchant identifiers, the first merchant identifier corresponding to the originating merchant;
retrieving, by the LP computing device, the first merchant identifier and the biometric scan data from the first authorization request message;
in response to retrieving, automatically querying, by the LP computing device, the memory to identify at least one of the plurality of loyalty programs associated with the first merchant identifier, wherein the at least one loyalty program includes the first loyalty program;
querying, by the LP computing device, the memory to identify one of the plurality of consumer profiles having the biometric reference data matching the biometric scan data;
querying, by the LP computing device, the identified consumer profile to determine the loyalty identifier associated with the first loyalty program;
determining, by the LP computing device, the discount amount associated with the first loyalty program for the payment transaction;
calculating, by the LP computing device, a second payment amount based on the first payment amount and the discount amount;
transmitting, by the LP computing device, the second payment amount and the loyalty identifier to the payment network server;
generating, by the LP computing device, a second authorization request message from the first authorization request message by replacing the first payment amount with the second payment amount;
transmitting, by the payment network server, the second authorization request message to an issuer processor computer device;
receiving, by the payment network server from the issuer processor computer device, in response to the second authorization request message being approved by the issuer processor computer device, an authorization response message;
formatting, by the payment network server, the loyalty identifier to enable inclusion of the loyalty identifier in the authorization response message; and
transmitting, by the payment network server, the authorization response message to the originating merchant including the formatted loyalty identifier.

US Pat. No. 10,430,818

SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS

VISA INTERNATIONAL SERVIC...

1. A method comprising:monitoring for an event to trigger a targeted offer, wherein the event is based on a transaction;
generating the offer based on the transaction, the offer targeted to a consumer associated with a portable consumer device, wherein the offer is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants, and wherein the portable consumer device comprises a physically separate and secure data space configured to store operating parameters;
determining a geographic location for redeeming the offer;
generating a notification message about the offer, the notification message including the offer and the geographic location for redeeming the offer that is generated based on the transaction; and
sending the notification message to a notification device operated by the consumer,
wherein a graphical depiction of the offer is displayed on a map on the notification device based on the notification message.

US Pat. No. 10,430,817

PARTIALITY VECTOR REFINEMENT SYSTEMS AND METHODS THROUGH SAMPLE PROBING

Walmart Apollo, LLC, Ben...

1. A retail shopping customer partiality vectorization refinement system, comprising:a memory having stored therein:
a customer database storing at least a different set of multiple customer partiality vectors for each of multiple different customers wherein each of the customer partiality vectors has at least one of a magnitude and an angle that corresponds to a magnitude for the person associated with that partiality; and
a product database storing at least a different set of multiple product vectorized characterizations for each of multiple different products, wherein each of the vectorized characterizations indicates a measure regarding an extent to which a corresponding one of the products accords with a corresponding one of the multiple customer partiality vectors; and
a vectorized refinement control circuit operably coupled with the customer database and the product database, wherein the refinement control circuit:
identifies, for a first customer of the multiple customers, a multi-dimensional partiality vector target area defined within a multi-dimensional representative volume defined by a limited range of partiality magnitudes and limited range of representative partiality directions for a first customer partiality vector, wherein the partiality vector target area represents a multi-dimensional representation of an area in which an unknown actual magnitude and direction for the first customer partiality vector are predicted to lie;
selects a first product from the multiple different products having at least a first product vectorized characterization that is within a threshold alignment with the partiality vector target area, and causes the first product to be presented to the first customer;
receives, following the first product being presented to the first customer, feedback associated with the first customer and corresponding to the first product; and
adjusts the partiality vector target area based on the feedback;
wherein the customer database comprises a distributed database maintained across at least multiple different customer computing devices, and the refinement control circuit receives processing of at least the distributed database from a plurality of customer computing device control circuits located in the multiple different customer computing devices that are geographically distributed over a geographic area.

US Pat. No. 10,430,816

STRATEGY FOR COLLECTION FLOW AND SEEDING ACROSS COHORTS

Microsoft Technology Lice...

1. A computerized method comprising:identifying a cohort to target, the cohort including a plurality of members of a social networking service having member profiles that all share at least one attribute value;
identifying, from the plurality of members of the cohort, a plurality of eligible members, the eligible members being members eligible to receive an invitation to submit confidential data;
identifying a minimum number of eligible members needed to provide relevant statistical insights from confidential data submitted by eligible members of the cohort;
based on an assumed response rate for eligible members of the cohort, a total number of eligible members in the cohort, and the minimum number of eligible members needed to provide relevant statistical insights, determining that an estimated amount of responses to invitations to submit confidential data to eligible members of the cohort is less than the minimum number of eligible members needed to provide relevant statistical insights, the assumed response rate estimated based on past history of response rates to similar invitations to cohorts similar to the cohort;
in response to the determination, altering the cohort to include eligible members from at least one other cohort;
based on an assumed response rate for eligible members of the altered cohort, a total number of eligible members in the altered cohort, and the minimum number of eligible members needed to provide relevant statistical insights, determining that an estimated amount of responses to invitations to submit confidential data to eligible members of the cohort meets or exceeds the minimum number of eligible members needed to provide relevant statistical insights;
sending invitations to submit confidential data to eligible members in the altered cohort;
receiving confidential data from one or more of the eligible members in the altered cohort;
organizing received confidential data into slices organized by cohort;
anonymizing the confidential data in each slice;
encrypting the anonymized confidential data in each slice;
storing the encrypted anonymized confidential data on an external data source;
performing statistical analysis of confidential data in a slice corresponding to the cohort by accessing the encrypted anonymized confidential data on the external data source; and
providing results of the statistical analysis to eligible members of the cohort who have submitted confidential data.

US Pat. No. 10,430,815

SYSTEM AND METHOD FOR OPTIMIZING THE USE OF MOBILE DEVICES TO COMPLETE ONLINE SURVEYS

Lucid Holdings, LLC, New...

1. A method in a survey platform for routing a respondent using a mobile device among a plurality of online surveys hosted on the survey platform, the method comprising the steps of:receiving, over a communication network from a respondent's mobile device, a request to access a listing of available online surveys;
collecting the respondent's mobile device information;
accessing a survey repository database to compile the listing of available online surveys;
calculating a mobile conversion rate for each of the available online surveys, wherein the mobile conversion rate is a total number of completions by respondents for the available online survey using mobile devices divided by a total number of entries by respondents into the available online survey using mobile devices;
calculating a conversion rate for each of the available online surveys, wherein the conversion rate is a total number of completions by respondents for the available online survey using all devices divided by a total number of entries by respondents into the available online survey using all devices;
calculating a mobile conversion delta for each of the available online surveys, wherein the mobile conversion delta is the difference between the mobile conversion rate for the available online survey and the conversion rate for the available online survey;
for each of the available online surveys, comparing the mobile conversion delta to a mobile conversion delta threshold and the mobile conversion rate to a mobile conversion rate threshold;
creating a listing of qualified surveys by removing, from the listing of available online surveys, any survey where the mobile conversion delta is higher than the mobile conversion delta threshold and the mobile conversion rate is lower than the mobile conversion rate threshold; and
providing a connection, to the mobile device, for a first online survey selected from the listing of qualified surveys.

US Pat. No. 10,430,814

SYSTEM, METHOD AND COMPUTER PROGRAM FOR IMPROVED FORECASTING RESIDUAL VALUES OF A DURABLE GOOD OVER TIME

ALG, Inc., Santa Monica,...

1. A method, comprising:collecting used market data, non-industry-specific data, and industry-specific data from disparate data sources into a database, the collecting performed simultaneously, continuously, or periodically by a system communicatively connected to the disparate data sources over a network, the system having a processor and a non-transitory computer-readable medium;
transforming, by the system, all or part of the used market data, the non-industry-specific data, and the industry-specific data into data representations internal to the system;
determining, by the system using the used market data, a baseline value for an item of interest with a base configuration in an industry at an initial time point, the determining comprising taking an average of historical market values from the used market data;
determining, by the system at the initial time point, a reference period at which the baseline value for the item of interest is adjusted;
determining, by the system, a number of forecasts desired between the initial time point and the reference period;
determining, by the system, a locality adjustment to the item of interest at a forecast time, the locality adjustment representing a ratio of an average cost of items in the industry in a locality at the forecast time over a local cost of items in the industry across all localities at the forecast time;
determining, by the system, a locality-adjusted value of the item of interest as modified at the forecast time;
constructing, by the system, competitive sets of similar items, substitute items, or a combination thereof in the industry to which the item of interest belongs;
determining, by the system, to which one and only one of the competitive sets the item of interest belongs;
determining, by the system using the non-industry-specific data, a macroeconomic factor by taking a set of macroeconomic variables over a plurality of industries, the set of macroeconomic variables representing macroeconomic features;
determining, by the system using the industry-specific data, a microeconomic factor by taking a linear combination of observed or forecasted values of microeconomic variables specific to the industry to which the item of interest belongs;
generating, by the system at the forecast time, a residual value for the item of interest, the generating utilizing the baseline value for the item of interest at the initial time point determined by the system using the used market data, the macroeconomic factor determined by the system using the non-industry-specific data, and the microeconomic factor determined by the system using the industry-specific data;
storing the residual value for the item of interest in a data storage device; and
providing the residual value forecast for the item of interest for presentation on a client device over the network.

US Pat. No. 10,430,813

PREDICTION MARKET SYSTEM AND METHODS

CONSENSUS POINT, INC., N...

1. A prediction market system comprising:a computer system comprising a server computer and at least one database in communication over a network, wherein the at least one database is in communication over the network with at least one remote computing device, the server computer running a software providing:
an automated market maker;
a liquidity management system (LMS) with administrative controls for the automated market maker; and
an investment transaction graphical user interface (GUI) that allows selection of an amount of points or an amount of money for buying, selling, or short-selling a stock,
wherein the investment transaction GUI permits automated management of the LMS;
wherein the automated market maker creates liquidity in the system by providing ongoing buy, sell, and short-sell orders that are spaced in a price ladder;
wherein the automated market maker automatically calculates and displays in the investment transaction GUI the amount of the stock a user is to receive or sell in a prediction market; and
wherein the administrative controls include sensitivity, quantity, fulcrum and window, and wherein the administrative controls adjust a liquidity value.

US Pat. No. 10,430,812

RETAIL SALES FORECAST SYSTEM WITH PROMOTIONAL CROSS-ITEM EFFECTS PREDICTION

ORACLE INTERNATIONAL CORP...

1. A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor, cause the processor to predict promotional cross item (PCI) effects for retail items for a store, the predicting comprising:receiving historical sales data for the store;
storing the historical sales data in a panel data format that comprises multi-dimensional data;
aggregating the stored sales data as a first level of aggregation, wherein the first level of aggregation is aggregated to the store, a product and a time period;
aggregating the first level of aggregation aggregated data as a second level of aggregation, wherein the second level of aggregation is based on a promotional cross effect attribute (PCEA) and is aggregated to the store, the time period and a PCEA level;
deriving PCI effect predictor variables from the second level of aggregation;
for each PCEA within a retail item family, forming a regression model, wherein each PCEA comprises a retail item attribute; and
generating estimated model parameters for one or more PCI effects for each PCEA from the regression models;
wherein the PCI effect predictor variables comprise a sales shock variable that comprises a multiplier if sales are greater than a baseline.

US Pat. No. 10,430,811

TRANSACTION-SPECIFIC CUSTOMER SURVEY SYSTEM

AFTERWORDS, INC., Tampa,...

1. A system for implementing transaction-specific surveys comprising:(a) a point-of-sale interface used in conducting a commercial transaction between a consumer and a vendor, the point-of-sale interface being configured to record transaction data relating to the commercial transaction wherein the transaction data comprises at least one purchase detail identifier and a survey token;
(b) a survey server computing device configured to receive and store the transaction data generated by the point-of-sale interface, wherein:
(i) the survey server computing device comprises (A) a vendor database storing a plurality of purchase detail identifiers, and (B) a campaign data structure having survey question data and a configurable Condition that is satisfied by the detection of a given purchase detail identifier; and wherein
(ii) the survey server computing device is configured to perform the operations comprising (A) receiving a survey token, (B) retrieving the transaction data having the stored survey token corresponding to the received survey token, (C) determining whether the transaction data includes the given purchase detail identifier such that the configurable Condition is satisfied, and if the configurable Condition is satisfied, generating a Survey Question using the given survey question data and the purchase detail identifier, and (D) generating a Survey Module comprising software code for displaying the at least one Survey Question;
(c) a vendor survey interface configured to perform the operations comprising: (i) transmitting the survey token to the survey server computing device; (ii) receiving from the survey server computing device the Survey Module; (iii) generating a graphical user interface on a display screen; (iv) running the Survey Module to display the at least one Survey Question as an integrated component within the graphical user interface; (v) generating a Respondent Header based on user-generated inputs in response to the at least one Survey Question; and (vi) transmitting the Respondent Header to the survey server computing device.

US Pat. No. 10,430,810

SYSTEMS AND METHODS FOR ASSESSING THE MARKETABILITY OF A PRODUCT

Health Care Direct, Inc.,...

1. A system for assessing the marketability of a product comprising:at least one data gathering system for sensing subject product data and subject benchmark data, at least a portion of the at least one data gathering system equipped to a subject;
a computing device having a processing unit for receiving the subject product data and the subject benchmark data from said at least one data gathering system, the processing unit operatively coupled to a non-transitory computer readable medium, comprising instructions stored thereon, which, when executed by the processing unit, perform the steps of:
presenting a product stimulus and at least one benchmark stimulus to the at least one subject;
recording the subject product data and the subject benchmark data;
manipulating the subject product data to create a single subject product data point representing a first location of the product stimulus on a 3D mood map;
manipulating the subject benchmark data to create at least one subject benchmark data point, each of the at least one subject benchmark data point associated with one of the at least one benchmark stimulus, the at least one single subject benchmark data point representing a second location of a respective one of the at least one benchmark stimulus on the 3D mood map;
calculating at least one emotional term value based upon said single subject product data point and the at least one subject benchmark data point; and
assigning an emotional term to the product based upon the at least one emotional term value.

US Pat. No. 10,430,809

INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD FOR MODIFYING A LIST ASSOCIATED WITH A USER

Rakuten, Inc., Setagaya-...

1. An information processing apparatus comprising:at least one memory configured to store computer program code;
at least one processor configured to access said memory and operate as instructed by said computer program code, said computer program code including:
identification information obtaining code configured to cause at least one of said at least one processor to based on receiving a plurality of add-to-list requests, obtain object identification information identifying a plurality of objects associated with the add-to-list requests, which are objects object to be added to a list associated with user identification information identifying a user who transmitted the add-to-list requests;
storage control code configured to cause at least one of said at least one processor to store, in the at least one memory, the obtained object identification information as items added to the list associated with the user identification information;
information retrieval code configured to cause at least one of said at least one processor to retrieve specific information indicating a plurality of common attributes or common attribute ranges that are common to at least two of the plurality of objects stored in the memory in the list associated with the obtained user identification information; and
modification control code configured to cause at least one of said at least one processor to (i) determine whether the plurality of common attributes or common attribute ranges include common attributes or common attribute ranges that are on different levels of a multi-level hierarchy, and (ii) based on determining that the common attributes or common attribute ranges include common attributes or common attribute ranges that are on different levels of the multi-level hierarchy, determine, as a convergence attribute or a convergence attribute range, an attribute or attribute range that is at a lower level of the multi-level hierarchy from among the different levels that the common attributes or common range of attributes are on, and control modification of the list based on the convergence attribute or convergence attribute range, the modification including at least one of: (i) newly-adding an object, which is not already included in the list and that has the convergence attribute or convergence attribute range, to the list, or (ii) deleting one of the objects from the list that has at least one of the common attributes or common attribute ranges that are on different levels, but does not have the convergence attribute or convergence attribute range, wherein
the convergence attribute or the convergence attribute range is an attribute or an attribute range that one or more objects among the plurality objects have,
the one or more objects were added to the list at a relatively later time among a plurality of times at which the respective plurality of objects were added to the list,
the object that is to be newly-added to the list has already been accessed or viewed by the user, and
the modification includes both of newly-adding and deleting.

US Pat. No. 10,430,807

AUTOMATIC CREATION AND REFINING OF LEAD SCORING RULES

Adobe Inc., San Jose, CA...

1. A method for customizing electronic content delivery to target devices with machine learning algorithms that adaptively update scoring rules for content recipients, the method comprising:receiving, by a lead scoring server, activity participation data indicating participation in an activity by prior leads that resulted in conversions or rejections;
correlating, with a machine learning algorithm executed by the lead scoring server, the activity with conversion events or rejection events;
creating, by the lead scoring server and using the machine learning algorithm, a scoring rule for the activity that assigns a score to the activity based on the activity participation data and a measure of correlation computed with the machine learning algorithm, wherein creating the scoring rule comprises:
identifying (i) a percentage ‘C’ of users among converted leads who participated in the activity and (ii) a percentage ‘R’ of users among rejected leads who participated in the activity,
computing a difference ‘D’ between ‘C’ and ‘R’ as the measure of correlation between the activity and conversion or rejection, and
modifying the score based on a comparison of the difference ‘D’ with a threshold;
scoring, by the lead scoring server and using the machine learning algorithm, a new lead using the scoring rule, wherein the new lead is assigned the score based on participation by the new lead in the activity;
transmitting, by the lead scoring server, the score to a marketer computing system and thereby causing the marketer computing system to transmit an electronic communication to a user device of the new lead; and
periodically, by the lead scoring server and using the machine learning algorithm, updating the scoring rule based on subsequent activity participation data indicating participation in the activity that resulted in the conversions or the rejections, wherein periodically updating the scoring rule includes updating score data transmitted to the marketer computing system.

US Pat. No. 10,430,806

INPUT/OUTPUT INTERFACE FOR CONTEXTUAL ANALYSIS ENGINE

Adobe Inc., San Jose, CA...

1. A method of analyzing digital content to generate contextual analysis data based on the digital content, the method comprising:receiving a request to analyze the digital content;
invoking a text extraction service configured to extract a corpus of plain text from the digital content;
receiving, from a first text analytics service, a plurality of topics extracted from a topic ontology, each of the topics having associated therewith a relevancy score, wherein at least one of the topics is not included in the corpus of plain text;
receiving, from a second text analytics service, tag data derived from the corpus of plain text, the tag data including a listing of n-grams extracted from the corpus of plain text and n-gram frequency data; and
generating a hierarchical output schema that includes a schema resource node at an upper hierarchical level, the schema resource node including, at a lower hierarchical level within the schema resource node,
a first sub-node that identifies the first text analytics service and a corresponding first graph index parameter,
a second sub-node that identifies the second text analytics service and a corresponding second graph index parameter, and
a third sub-node that identifies the text extraction service and a corresponding third graph index parameter;
wherein the hierarchical output schema further includes an analyzer/-enhancer node at the upper hierarchical level, the analyzer/enhancer node including, at a lower hierarchical level within the analyzer/enhancer node,
a first sub-node that is identified by the first graph index parameter and that includes the plurality of topics and the corresponding relevancy scores,
a second sub-node that is identified by the second graph index parameter and that includes the tag data, and
a third sub-node that is identified by the third graph index parameter and that includes the corpus of plain text.

US Pat. No. 10,430,805

SEMANTIC ENRICHMENT OF TRAJECTORY DATA

SAMSUNG ELECTRONICS CO., ...

1. A method, comprising:in response to receiving user generated data including a plurality of visual assets and corresponding trajectory data from a first user device, determining, using a processor, enrichment data items related to a plurality of points of presence within the trajectory data, wherein the points of presence specify time and location data for the first user device;
determining, using the processor, ranking metrics for the enrichment data items;
ranking, using the processor, the enrichment data items according to the ranking metrics;
in response to determining a difference between properties of a first point of presence of the plurality of points of presence corresponding to a first visual asset of the plurality of visual assets and a second point of presence of the plurality of points of presence corresponding to a second visual asset of the plurality of visual assets, generating, using the processor, a connective message, wherein the connective message is synthetic text dialog describing the difference and generated using a finite state machine configured to prevent repetitiveness of connective messages and generate dialog linked to previous messages displayed in scenes of a multimedia composition;
generating, using the processor, a manifest specifying directives for generating the multimedia composition including the first visual asset linked to the second visual asset by the connective message and at least one ranked enrichment data item in association with the related plurality of points of presence; and
providing the manifest to a second user device, wherein the second user device implements the directives to generate the multimedia composition.

US Pat. No. 10,430,804

SYSTEM AND METHOD FOR ACCESSING A HUB

1. A computer implemented method for user specific management of search results accessed from a storage hub, the method comprising the steps of:sending of a search query, by a user, from a user device to a web search engine operated by at least one server device;
receiving, at the user device, a web page comprising an authentication element and the search results based on the search query as individual embedded objects defined as individually selectable items within the web page by a script embedded into the web page as a self-contained block by said at least one server device of the search engine provider;
determining, using the authentication element, whether the user device has a cookie stored locally on the user device, wherein the web page identifies and verifies the user based on the cookie;
displaying on a display of the user device, upon verification of the user, the web page of search results using a web browser executed by the user device and enabling the user to input a first type of selection of one of the search results, a second type of selection of one of the search results or a selection of an element displayed within the webpage other than one of the search results;
determining if the user input the first type of selection of one of the search results, the second type of selection of one of the search results, or the selection of an element displayed within the webpage other than one of the search results;
causing, upon determining that the user input the first type of selection of one of the search results, the web browser to follow a link to an online resource associated with the selected one of the search results, wherein the first type of selection comprises one of: a left-click of a mouse, a touch gesture equivalent of a left-click of a mouse on a touch screen or a voice command equivalent of a left click of a mouse,
causing, upon determining that the user input the second type of selection of one of the search results, wherein the second type of selection comprises one of: a right-click of a mouse, a touch gesture equivalent of a right-click of a mouse on a touch screen or a voice command equivalent of a right click of a mouse:
accessing user specific information from the storage hub based on the cookie;
execution of script, embedded within the web page of the search results, by the web browser defining the selected search result as a selectable item to display a user interface unique to the web pages of search results; and
display of the unique user interface, based on the user specific information, within the web page of the search results on the user device overlaying the previously displayed search results, wherein the unique user interface comprises a menu displaying selectable control options associated exclusively with the search engine provider for user specific management of the selectable search results displayed in the web page, the control options comprising at least:
at least one function standard to the web browser;
a save search result control function, selection of which causes saving, by the at least one server device, of details of the search result selected by the user together with the cookie to the storage hub remote from the user device and provided by the search engine provider,
an email function that enables a user to open an email interface and enter an email address or find an email be selecting a contacts button;
an invite function that displays a contact list associated with the user and enables the user to select and invite at least one contact from the contact list to access the web page, wherein the at least one contact selected from the contact list is able to accept, decline or ignore the invite;
a recommend function that displays the details of the search result on the user's social network page;
a post function that enables the user to enter a comment to be posted on their social network page;
a comment function that displays a comments interface that shows comments from other users related to the content of the search result;
a chat function that enables the user to select contacts to communicate with;
a reminder function that enables the user to set a reminder associated with a search result saved by the user;
a wallet function that displays the user's account balance;
a buy now function that enables a user to go to a checkout page of an advertisement associated with the search result;
a saved advertisements function that displays at least one advertisement saved by the user; and
a saved search result access function, selection of which causes:
accessing, by the at least one server device in bidirectional communication with the storage hub provided by the search engine provider, user specific information including the cookie;
accessing, by the at least one server device, of details of at least one search result previously saved by the user to the storage hub with the cookie, and
transmitting the details of the at least one previously saved search result to the user device for display to the user within a secondary interface overlaying the previously displayed search results within the web page of search results on the user device; and
causing, upon determining that the user input the selection of an element displayed within the webpage other than of one of the search results, the display of a context menu standard to the web browser.

US Pat. No. 10,430,803

METHODS AND SYSTEMS FOR PREDICTING CONSUMER BEHAVIOR FROM TRANSACTION CARD PURCHASES

MASTERCARD INTERNATIONAL ...

1. A computer-based method for predicting consumer behavior within a predetermined time period, said method performed using a payment processor computer device coupled to a database, said method comprising:recording, by the payment processor computer device, electronic consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer, including at least one electronic transaction initiated by a consumer using a transaction card at a point-of-sale (POS) device;
defining, by the payment processor computer device, a life event by assigning spending variables to the life event, wherein a spending variable represents a quantity of consumer spending associated with one or more of (i) a particular merchant and (ii) a particular type of good or service;
generating an anticipated spend for each spending variable assigned to the life event by extrapolating a historical actual spend based on the historical purchases, wherein the anticipated spend represents anticipated spending in each spending variable assigned to the life event;
calculating a residual value of a determined variance between the anticipated spend and an actual spend for each consumer by calculating a quotient of (i) the difference between the anticipated spend and the actual spend and (ii) the anticipated spend;
determining that a residual value of a determined variance between the anticipated spend and the actual spend for each consumer exceeds a predefined threshold;
assigning, by the payment processor computer device, the consumer to a sample group, wherein the sample group represents consumers that are experiencing the life event;
generating, by the payment processor computer device, a predictive model based on historical purchases made by consumers within the sample group;
applying, by the payment processor computer device, the predictive model to predict each consumer within the global population and outside of the sample group that will experience the life event; and
outputting, by the payment processor computer device, a list of consumers outside of the sample group that are predicted to experience the life event within the predetermined time period.

US Pat. No. 10,430,801

GENERATING AND PROVIDING A SELF-SERVICE DEMONSTRATION TO FACILITATE PERFORMANCE OF A SELF-SERVICE TASK

Accenture Global Services...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
provide a user interface to a user device,
the user interface being provided by executing an application;
obtain a user identifier associated with a user of the user device,
the user identifier being obtained via the user interface;
provide, via the user interface, a list of self-service tasks that the user may perform via a web self-service;
identify a self-service task from the list of the self-service tasks to be performed by the user using the user device,
the self-service task being a task that does not require the user to interact with another person,
the self-service task being identified by the user selecting the self-service task via the user interface,
the self-service task to be performed via an input mechanism,
information identifying the self-service tasks being stored in a data structure of the device,
the data structure of the device associating the self-service tasks with one or more types of account information;
obtain account information, specific to the user, based on the user identifier and the self-service task;
identify a code template based on the self-service task;
generate code for a self-service demonstration using the code template that includes:
first code for instructions for performing the self-service task,
second code for media content for communicating the instructions,
the media content including at least one of:
 video content,
 audio content,
 textual content, or
 graphical content, and
third code for providing the account information specific to the user,
the media content being based on the account information specific to the user;
execute the code for the self-service demonstration for presentation to the user via the user interface,
the self-service demonstration and the self-service task being provided via a single user interface without leaving a flow of the instructions provided in the self-service demonstration,
the single user interface including at least one of audio or visual content provided via the self-service demonstration to guide the user through the self-service task,
 the at least one of the audio or visual content being provided via the self-service demonstration upon execution of the code, and
the self-service demonstration including a plurality of stages,
each stage of the plurality of stages requiring user input prior to moving to a next stage;
receive an indication of an interaction, by the user, with the self-service demonstration,
the interaction with the self-service demonstration including the user input to perform the self-service task via the input mechanism; and
modify the account information based on the user input.

US Pat. No. 10,430,800

FASTER PRODUCT IMPROVEMENT

1. A method for monitoring a vehicle, the method comprises:measuring multiple vehicle operating parameters using a vehicle monitor; wherein the vehicle monitor is mechanically coupled to the vehicle or installed in the vehicle;
searching, by the vehicle monitor, for one or more out-of-range vehicle operating parameters; wherein an out-of-range vehicle operating parameter is a vehicle operating parameter that is outside an allowable range of the vehicle operating parameter; and
responding to the one or more out-of-range vehicle operating parameters by the vehicle monitor;
wherein the one or more out-of-range vehicle operating parameters are indicative of at least one vehicle failure that is impending;
wherein the responding precedes an occurrence of the at least one vehicle failure that is impending; and
wherein the responding comprises requesting to receive a vehicle monitor software update for managing the one or more out-of-range vehicle operating parameters; receiving, by the vehicle monitor, the software update; updating, by the vehicle monitor, the vehicle monitor software with the software update; and managing, by the vehicle monitor, the one or more out-of-range vehicle operating parameters.

US Pat. No. 10,430,799

SYSTEM AND METHOD FOR DETERMINING A TIME THRESHOLD GUARANTEE OF A TASK FOR UPDATING IN A PENALTY CLAUSE OF A SERVICE LEVEL AGREEMENT

Numerify, Inc., San Jose...

1. One or more non-transitory computer readable storage mediums storing one or more sequences of instructions for automatically determining a time threshold guarantee of a task using a time threshold determination system and updating said time threshold guarantee in a penalty clause of a Service Level Agreement (SLA) of a service provider tool, which when executed by one or more processors, performs the steps of:automatically determining, by a tasks determination module, a total number of tasks by analyzing a table that comprises historical data for each of a plurality of customers, wherein said historical data comprises a plurality of tasks and a completion time associated with each of said plurality of tasks for said plurality of customers, wherein said table is sorted in ascending order of said completion times upon retrieval by a table obtaining module;
automatically determining, by a graphical representation generation module, a granularity for plotting percentage completion in a graphical representation between said completion time and a percentage of tasks completed by analyzing data distribution of said table, wherein said analyzing of the data distribution of said table comprises:
determining a number of said plurality of tasks for which said completion time is available;
determining a percentage completion granularity (G) by ensuring that there are at least 100/G tasks for which the completion time data is available; and
overriding if required by the plurality of customers (i) said percentage completion granularity, (ii) a default minimum percentage of completion threshold to achieve, and (iii) a maximum completion time threshold that should not be exceeded by said plurality of tasks, wherein said maximum completion time threshold is initially set to the maximum completion time obtained from said table;
automatically computing, by said graphical representation generation module, points to plot said graphical representation between said completion time and a percentage of tasks completed for said percentage completion granularity by (a) calculating said percentage of completion granularity of said total number of tasks and (b) computing an average completion time for each successive percentage of completion granularity of said plurality of tasks;
automatically determining, by a slope determination module, a slope for each consecutive set of points of said graphical representation;
automatically determining, by said slope determination module, a slope difference for each set of consecutive slopes;
automatically determining, by a time threshold guarantees determination module, for each of said plurality of customers, a time threshold guarantee below said maximum completion time threshold, and above said minimum percentage of completion by identifying one of (a) a point where said slope difference is highest and higher than at other points in concave up portions of said graphical representation, and (b) a point furthest to right of said minimum percentage of completion threshold and below said maximum completion time threshold in concave down portions of said graphical representation, and transforming the historical data, for each of the plurality of customers, into the time threshold guarantee;
automatically identifying, by a peer customers identification module, a plurality of peer customers similar to each of said plurality of customers for whom said time threshold guarantee is being determined and historical warehouse data is not available;
retrieving, by a peer customers retrieval module, time threshold guarantees of said plurality of peer customers, wherein said time threshold guarantee of said plurality of peer customers are obtained from a plurality of peer customer specific stores through a network; and
determining, by said peer customers retrieval module, said time threshold guarantee for each of said plurality of customers for whom historical warehouse data is not available as the average of said time threshold guarantees of said plurality of peer customers obtained from said plurality of peer customers specific stores;
wherein said time threshold determination system updates said time threshold guarantee in a penalty clause of a Service Level Agreement (SLA) of a service provider tool, for each of said plurality of customers, for the practical application of imposing a penalty on the service provider when said time threshold is exceeded, wherein said time threshold guarantee is determined for a plurality of metrics associated with said plurality of customers.

US Pat. No. 10,430,798

SYSTEM AND METHOD OF A MEDIA DELIVERY SERVICES PLATFORM FOR TARGETING CONSUMERS IN REAL TIME

19. A method for targeting a consumer for delivery of media across a plurality of promotion channels utilized for advertisement and promotion of products, the method being implemented on a computer having one or more processors programmed with computer program instructions that, when executed, cause the computer to perform the method, the method comprising:obtaining, by the computer, a first promotion targeted for a consumer;
receiving, by the computer, signal strength data of a device associated with the consumer while the consumer is within a store;
processing, by the computer, the signal strength data into identifications of zone locations of the store;
providing, by the computer, in response to a determination, based on processing the signal strength data into identifications, that the first promotion is associated with one of the identifications of the zone locations, the first promotion to the consumer via a first promotion channel;
obtaining, by the computer, a second promotion targeted for the consumer and an indication that the second promotion is to be delivered to the consumer via a second promotion channel different from the first promotion channel;
determining, by the computer and after providing the first promotion to the consumer via a first promotion channel, a conflict between the second promotion to be delivered via the second promotion channel and the first promotion that was delivered via the first promotional channel, wherein the conflict comprises showing to the consumer across the first promotion channel and the second promotion channel multiple instances of a particular offer, multiple offers for a particular product, offers from competing brands, multiple offers for products from a particular category, or offers from a retailer if the same product is being promoted through channels controlled by a vendor; and
preventing, by the computer, delivery of the second promotion, via the second promotion channel, to the consumer based on the conflict.

US Pat. No. 10,430,796

AUTOMATIC DETECTION OF MOBILE PAYMENT APPLICATIONS

PAYPAL, INC., San Jose, ...

1. A system, comprising:a device screen associated with a mobile device;
a non-transitory memory storing instructions; and
one or more hardware processors coupled to the non-transitory memory and configured to read the instructions to cause the system to perform operations comprising:
determining a selection of a user interface element of a first web page displayed on the device screen, the device screen further displaying one or more items requested by a user, wherein the user interface element, when selected, is configured to cause the device screen to display a second web page when a custom Uniform Resource Locator (URL) is not registered with the mobile device;
based on the selection of the user interface element, determining that the custom URL is registered with the mobile device by executing the custom URL;
initiating, based on the determining that the custom URL is registered with the mobile device, an app-based checkout process for the one or more items by executing the custom URL registered with the mobile device instead of displaying the second web page;
based on the initiating the app-based checkout process, causing the device screen to further display information associated with an account of the user;
receiving a user identifier from the device screen that displays the information associated with the account of the user;
authenticating the account of the user based at least on the user identifier received; and
based on the authenticating the account, completing the app-based checkout process for the one or more items.

US Pat. No. 10,430,795

RULES ENGINE FOR APPLYING RULES FROM A REVIEWING NETWORK TO SIGNALS FROM AN ORIGINATING NETWORK

MASTERCARD INTERNATIONAL ...

1. A rules engine for applying rules for a reviewing network to data signals from an originating network, the data signals associated with a transaction, said rules engine comprises a processor communicatively coupled to a memory device, said rules engine is communicatively coupled to the reviewing network, said rules engine is configured to:store the rules within said memory device, wherein the rules are provided on behalf of an issuer bank that issued a payment card to a cardholder that is used to initiate the transaction, the issuer bank being associated with an issuer computer system, the issuer computer system in communication with the originating network;
receive an authorization data signal from the originating network when the issuer computer system fails to respond to the authorization data signal transmitted by the originating network and the issuer computer system is determined to be unavailable to authorize the transaction, the authorization data signal including authorization data for the transaction processed by the originating network and a stand-in authorization request message including a flag requesting that the reviewing network perform stand-in authorization for the transaction on behalf of the unavailable issuer computer system associated with the originating network, wherein the originating network and the reviewing network are separate payment networks;
identify the unavailable issuer bank based on a transaction identifier and retrieve the rules associated with the unavailable issuer bank from said memory device after receiving the authorization data signal;
detect an account identifier associated with the transaction in the authorization data signal;
retrieve historical transaction data associated with the detected account identifier from said memory device;
generate, by said rules engine, an authorization response data signal including authorization response data by comparing the authorization data to the rules associated with the unavailable issuer bank stored in said memory device and applying the rules to the retrieved historical transaction data, wherein the authorization response data indicates whether the reviewing network authorizes or declines the transaction included in the authorization data on behalf of the issuer bank; and
transmit the authorization response data signal to the originating network.

US Pat. No. 10,430,794

SYSTEM AND METHOD INCLUDING CUSTOMIZED LINKAGE RULES IN PAYMENT TRANSACTIONS

Visa International Servic...

1. A system comprising:a computer readable storage medium; and
a processor coupled to the computer readable storage medium, wherein the processor is configured to execute program code stored on the computer readable storage medium to implement a method comprising:
linking, using a linkage rule, (1) a verification token device, (2) a user communication device, and (3) a payment account of a portable consumer device;
receiving an authentication request message for a payment transaction on the payment account, the authentication request message received from the user communication device, the authentication request message comprising (1) a verification token identifier that identifies the verification token device used to conduct a payment transaction, (2) a user communication device identifier that identifies the user communication device used to conduct the payment transaction, and (3) an account identifier that identifies the payment account for conducting the payment transaction, wherein the verification token device receives the account identifier from the portable consumer device;
identifying the linkage rule based on the account identifier included in the authentication request message;
authenticating the payment transaction using the identified linkage rule by verifying that the verification token identifier that identifies the verification token device used to conduct the payment transaction and the user communication device identifier that identifies the user communication device used to conduct the payment transaction included in the authentication request message respectively identify the verification token device and the user communication device specified in the linkage rule;
in response to the authenticating of the payment transaction using the identified linkage rule, generating a dynamic verification value based at least in part on the account identifier;
providing the dynamic verification value to either (1) the verification token device used to conduct the payment transaction or (2) the user communication device used to conduct the payment transaction, wherein either the verification token device or the user communication device provides the dynamic verification value to a merchant server to conduct the payment transaction on the payment account; and
receiving an authorization request message from the merchant server, the authorization request message comprising the dynamic verification value; and
sending an authorization response message indicating whether the payment transaction is approved or declined based on verification of the dynamic verification value.

US Pat. No. 10,430,793

FRAUD MANAGEMENT SYSTEM AND METHOD

AMADEUS S.A.S., Biot (FR...

8. A fraud management method comprising:receiving, at a server of a fraud management system, a plurality of transaction requests;
sorting, by the server, the transaction requests into a plurality of groups;
selecting, by the server, a number of the transaction requests from each group to define a sample of the group that contains less than all the transaction requests in the group;
for each transaction request in each sample;
determining, by the server, which rules of a plurality of rules are satisfied by the transaction request,
selecting, by the server, an acceptance flow from a plurality of acceptance flows based on the rules satisfied by the transaction request,
calculating, by the server, a total cost of fraud for the transaction request by applying the selected acceptance flow to the transaction request, and
storing, by the server, the total cost of fraud in a total cost of fraud database;
determining, by the server, a total cost of fraud for each group based on the total costs of fraud calculated for the transaction requests in the sample of the group and stored in the total cost of fraud database; and
monitoring, by the server, an efficiency of the fraud management system by computing a key performance indicator for each rule based on the total costs of fraud stored in the total cost of fraud database and the value of the transactions associated with the transaction requests to which the rule applied.

US Pat. No. 10,430,792

TRANSACTION DEVICE

1. A method by which a transaction system stores a biometric identification parameter used by the transaction system to perform transactions, the method comprising:receiving, from a user, the biometric identification parameter;
storing the biometric identification parameter in a primary biometric identification parameter data file;
assigning to the user a user identification number;
creating a plurality of pieces of the primary biometric identification parameter data file, each piece from the plurality of pieces being assigned a data sequence number different from data sequence numbers assigned to all other pieces in the plurality of pieces;
assigning to each piece of the plurality of pieces, a mathematical operation encryption number from a plurality of mathematical operation encryption numbers, wherein each mathematical operation encryption number represents a mathematical encryption operation that is different from mathematical encryption operations represented by all other mathematical operation encryption numbers from the plurality of mathematical operation encryption numbers;
encrypting each piece of the plurality of pieces using a mathematical encryption operation represented by the mathematical operation encryption number assigned to the piece in order to produce a plurality of transformed data pieces;
assigning each transformed data piece in the plurality of transformed data pieces a transformed data identification number, the transformed data piece identification number including:
a type identifier that indicates a type of biometric identification stored,
the user identification number,
the data sequence number for the piece, and
the mathematical operation encryption number for the piece;
storing the plurality of transformed data pieces in a primary biometric identification parameter database;
storing the primary biometric identification parameter database on a plurality of servers so that the transformed data pieces in the plurality of transformed data pieces are distributed among the plurality of servers.

US Pat. No. 10,430,791

BIOMETRIC SECURE SALES AND PAYMENT TERMINAL USING FACE RECOGNITION AND FINGER PRINT DEFINITION METHODS

MT BILGI TEKNOLOJILERI VE...

1. A biometric secure sales and payment terminal using face recognition and fingerprint recognition, comprising: an electronic TFT screen which displays transactions carried out by a user,a customer screen where a customer can see information about expenses and costs,
a paper roll on which a payment information of the customer is printed,
a motherboard which arranges a system algorithm, stores the program as digital and analogue data, and compares a fingerprint and/or a face recognition data by communicating with a bank,
a battery which enables the transactions to be carried out by providing power to the terminal when there is no mains electricity,
a thermal printer which prints the information slips about sales, payment, report receipts on a paper roll,
a speaker which enables the customer and the user to hear the transactions carried out,
a card reader where a card contact is physically carried out and the card is magnetically read,
a GSM antenna which carries out data flow with a base station, and enables the communication of the terminal with the necessary posts,
a keyboard which enables the transactions to be carried out on the terminal by the user,
a top cover which protects the terminal from impact that may be received from the top,
a financial stamp screw which shows that access into the secure sales and payment terminal is performed by leaving a mark in the case that the secure sales and payment terminal is tampered,
a financial stamp screw slot which enables the attachment of the financial stamp screw,
a program which manages the communication between all the analogue and digital parts found inside the terminal and which is uploaded into a memory within the motherboard,
an internal EKU which is an electronic record unit where all the copies of all transactions carried out on the secure sales and payment terminal are recorded therein,
a chip card reader which is located on the secure sales and payment terminal and which can read the information of the customer loaded inside a chip found on the bank card,
a GPS antenna which communicates with a satellite, and aids in determining the position of the secure sales and payment terminal,
a camera located on the terminal, which captures a face image of the customer and submits face information to the motherboard so that the face information can be compared with the face data of the bank,
a fingerprint reader, located on the terminal, which takes the fingerprint of the customer and submits fingerprint information to the motherboard so that the fingerprint is matched with the fingerprint information of the bank,
a micro processor secure financial memory module which erases daily total sales and total VAT amount inside the secure sales and payment terminal and stores the daily total sales and the total VAT amount in a secure state which cannot be changed and which is in compliance with a financial cash register technical specification.

US Pat. No. 10,430,790

REAL-TIME PROCESSING OF REQUESTS RELATED TO FACILITATING USE OF AN ACCOUNT

Capital One Services, LLC...

1. A system, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive, from a plurality of user devices, information related to a first plurality of individuals and a second individual,
each of the first plurality of individuals being associated with a respective one or more accounts,
a first user device, of the plurality of user devices, being associated with a first individual, of the first plurality of individuals, to facilitate use, by a second user device, of the plurality of user devices, associated with the second individual, of the respective one or more accounts associated with the first individual in association with completing a transaction,
the information being received from a web interface or an application operating on the plurality of the user devices, and
the plurality of user devices being registered for a matching service via the web interface or the application;
receive a request to match the second individual and one or more individuals of the first plurality of individuals,
the request being received from the second user device, of the plurality of user devices, associated with the second individual;
determine a match of the second individual and the one or more individuals of the first plurality of individuals after receiving the request to match the second individual and the one or more individuals of the first plurality of individuals,
the one or more individuals of the first plurality of individuals including the first individual;
determine to optimize an objective associated with the transaction,
the objective including at least one of:
an amount of cash back received in association with the transaction,
an amount of rewards points received in association with the transaction, or
an amount of a discount applied to the transaction; and
the objective being optimized based upon the information related to the first plurality of individuals and the second individual,
where the one or more processors, when determining the match, are to:
determine the match based on the objective to be optimized;
receive, from the second user device, a selection of an account, of the respective one or more accounts, associated with the first individual by the second individual;
provide, for display to the first individual, a notification that the second individual and the first individual have been matched and that the second individual selected the account associated with the first individual,
the notification being provided to the first user device, of the plurality of user devices, associated with the first individual;
determine a first set of instructions to reconfigure a transaction card associated with the second individual to use account information associated with the account, of the respective one or more accounts, associated with the first individual, based on receiving an amount of money from another account associated with the second individual,
the account information being associated with a secure token;
transmit, to the transaction card associated with the second individual, the first set of instructions to reconfigure the transaction card to use the account information associated with the account, of the respective one or more accounts, associated with the first individual, based on determining the first set of instructions;
transmit, to a transaction backend device, a second set of instructions to process the transaction,
the second set of instructions to configure the transaction backend device to process the secure token; and
complete the transaction after receiving the amount of money from the other account associated with the second individual based on processing the secure token.

US Pat. No. 10,430,789

SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR SECURE RETAIL TRANSACTIONS (SRT)

LOCKHEED MARTIN CORPORATI...

1. A systematic system comprising:a. a point of sale seller device to interact with a buyer device and communicate with a seller's financial institution system, the seller device further generates seller information including a financial transaction invoice with a unique, one-time-only transaction identification and seller's financial institution data associated with the seller's financial institution system including financial routing number, wherein the seller information is generated based on a purchase being initiated with a buyer device in which buyer's financial data from the buyer device is never provided by the buyer device to the seller device;
b. the buyer device including a controller, the buyer device receives a transaction invoice having transaction invoice information data and generate encrypted buyer data that includes buyer identification information and buyer's financial data based on the purchase;
c. a transaction manager generates a single transaction and time limited data packet comprised of the encrypted buyer data associated with the buyer device during the purchase and the seller information transmitted from the seller device to the buyer device and, for the buyer device, establish a communication session to transmit the encrypted transaction data packet directly to a buyer's financial institution system associated with the buyer's financial data;
d. the buyer's financial institution system sends transaction packet information to the seller's financial institution system for pairing with a unique, one-time-only seller encrypted transaction invoice within an allotted time window of a payment session established by the seller as directed by the transaction manager and provides transaction confirmation to the buyer device; and
e. the seller's financial institution system determines that the unique, one-time-only transaction pairing is valid, and in response to the valid determination completes the transaction with transaction notification back to the buyer's financial institution system and to the seller device wherein the seller device further comprises a network interface, the network interface receives a confirmation of said payment from the seller's financial institution system and the transaction invoice generated by the seller device includes data associated with the time allotted window established by the seller for establishing the time allotted window for the payment session.

US Pat. No. 10,430,788

SYSTEMS AND METHODS FOR FUND TRANSFERS

Green Dot Corporation, P...

1. A method for conducting peer-to-peer transfers, comprising:obtaining a cash-out request data using a fund transfer server system,
wherein the fund transfer server system comprises a processor and a memory coupled to the processor;
generating a cash-out code based on the cash-out request data using the fund transfer server system,
wherein the cash-out request data comprises fund data and target account data,
wherein the fund data comprises identification data associated with the cash-out request data and metadata describing funds to be provided in response to redeeming a cash-out request, and
wherein the target account data comprises metadata identifying a consumer account and specifies an account to which funds will be provided;
providing the cash-out code to a client device associated with the target account data using the fund transfer server system;
obtaining cash-out code redemption data from the client device associated with the target account data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code;
verifying the cash-out request data using the fund transfer server system, wherein the verification is based on the cash-out code identified by the cash-out request data, wherein the cash-out code includes the fund data and target account data; and
transmitting a request to provide the funds described by the fund data using the fund transfer server system.

US Pat. No. 10,430,787

DIGITAL WALLET BROADCASTING

PAYPAL, INC., San Jose, ...

1. A system, comprising:a memory configured to store a merchant key; and
one or more processors coupled to the memory and configured to cause the system to:
capture a wireless signal unique to a customer key broadcasted from a customer device;
access the merchant key in the memory;
determine the customer key provides a unique customer key/merchant key pair with the merchant key based on the wireless signal;
send a notification of the unique customer key/merchant key pair through a network; and
in response, receive customer information of a customer associated with the customer key through the network.

US Pat. No. 10,430,786

ENHANCED CERTIFICATE AUTHORITY

1. A computerized system for managing digital certificates, said computerized system comprising:one or more communicatively coupled computer processors, said one or more computer processors forming a certificate authority computer system (CACS) configured to perform the steps of:
receiving, at said computer system, a request for an online or offline authorization (OOA) request, said OOA request containing one or more OOA request data elements, said OOA request data elements comprising the data for each user related data field and/or a pointer to the location of said data, said user data information being required by the computer system to accomplish (directly or via third parties having proper compliance requirements) the one or more registration validation actions necessary to establish the bona fides of said user in real time and to perform said user registration within the system;
providing, upon said bona fides satisfaction, said user with said OOA request, requested ancillary data element and one or more OOA requested data elements associated with said one or more OOA request data elements;
receiving, by said Certificate Authority computer system (CACS), a request for a Transactional Digital Certificate (TCERT) from a user, said request containing the desired one or more TCERT user data elements and establishing the existence of a valid OOA data request, performing data validation of one or more of said TCERT request data elements, and/or said OOA data elements, and upon acceptance generating said TCERT digital certificate and TCERT ancillary data for said user;
transmitting, by said Certificate Authority computer system, said TCERT digital certificate and any appropriate TCERT ancillary data to said user.

US Pat. No. 10,430,785

PREPAID CHIP CARD EXCEPTION PROCESSING

VISA INTERNATIONAL SERVIC...

1. A method for processing a transaction with a transaction card, the transaction having a value, the method comprising:retrieving, using a processor from a memory of the transaction card, a value of an accumulator record stored in the memory of the transaction card;
wherein retrieving the value of the accumulator record automatically increments the accumulator record by the value of the transaction upon initiation of the transaction;
sending, by the processor to an issuer associated with the transaction card, an authorization request message requesting authorization for the transaction;
receiving, by the processor from the issuer, an authorization response message indicating whether the transaction is authorized or declined;
retrieving, using the processor from the memory of the transaction card, a value of an exception record stored in the memory of the transaction card when the authorization response message indicates that the transaction is authorized;
wherein the exception record is incremented by the value of the transaction only upon successful completion of the transaction, the exception record stored in the memory of the transaction card is not incremented when the transaction fails, the accumulator record and the exception record illustrate a record of past transactions associated with the transaction card; and
transmitting, using the processor, the accumulator record and the exception record to the issuer for determining that the past transactions include an exception if there is a difference between the accumulator record and the exception record stored in the memory of the transaction card.

US Pat. No. 10,430,784

MULTI-LAYER ANTENNA

Square, Inc., San Franci...

1. A transaction processing device for engaging in near-field communications (NFC) with a wireless transaction device, comprising:a processing unit configured to output a NFC source signal at two NFC source signal outputs of the processing unit;
NFC transmit circuitry coupled to the processing unit to receive the NFC source signal, wherein the NFC transmit circuitry comprises matching circuitry and filtering circuitry, and wherein the NFC transmit circuitry outputs a transmit signal from two NFC transmit terminals based on the NFC source signal, the matching circuitry, and the filtering circuitry;
a flexible circuit board having a top surface and a bottom surface, wherein the top surface and the bottom surface are opposite each other and parallel to each other;
an antenna coupled to the two NFC transmit terminals to transmit the transmit signal, comprising:
a first antenna terminal coupled to a first NFC transmit terminal of the two NFC transmit terminals;
a second antenna terminal coupled to a second NFC transmit terminal of the two NFC transmit terminals;
a top antenna portion located on the top surface of the flexible circuit board, wherein the top antenna portion has a first top end that is coupled to the first antenna terminal and a second top end, wherein the top antenna portion comprises a first circuit path between the first top end and the second top end, the first circuit path having a single loop and a substantially rectangular shape;
a through connection coupled to second top end of the top antenna portion, and wherein the through connection provides a series connection from the second top end to the bottom surface; and
a bottom antenna portion located on the bottom surface of the flexible circuit board, wherein the bottom antenna portion has a first bottom end that is coupled to the through connection and a second bottom end coupled to the second antenna terminal, wherein the bottom antenna portion comprises a second circuit path between the first bottom end and the second bottom end, wherein the shape of the second circuit path is substantially identical to the shape of the first circuit path, and wherein the second circuit path is substantially aligned with the first circuit path.

US Pat. No. 10,430,783

TRANSMIT PHASE DETECTION CIRCUIT

Square, Inc., San Franci...

1. A system for measuring a phase difference of a near field communication (NFC) transmission circuit, comprising:a processing unit to provide a transmission source signal having a source signal phase;
a tuning circuit coupled to the processing unit to provide a tuned transmission signal from the transmission source signal;
an antenna coupled to the tuning circuit to transmit the tuned transmission signal;
a sense circuit coupled to the antenna to measure the transmitted signal, wherein the transmitted signal has a transmitted signal phase;
a phase detection circuit, comprising:
a measured signal input coupled to receive a first signal representative of the measured transmitted signal;
a source signal input coupled to receive a second signal representative of the transmission source signal; and
a phase detection output to output a phase difference signal based on a comparison of the first signal and the second signal, wherein a duty cycle of the phase difference signal changes based on whether the first signal and the second signal are associated with different logical values, and wherein the duty cycle of the phase difference signal is proportional to a phase difference between the source signal phase and the transmitted signal phase; and
an analog filtering circuit coupled to the phase detection circuit to generate an analog phase signal based on the duty cycle of the phase difference signal, wherein an amplitude of the analog phase signal is proportional to the phase difference between the source signal phase and the transmitted signal phase.

US Pat. No. 10,430,782

MERCHANT-SPECIFIC FUNCTIONALITY SERVICES

GOOGLE LLC, Mountain Vie...

1. A computer-implemented method to facilitate payments with merchant-specific financial accounts during proximity payment transactions, comprising by a user computing device:detecting a radio frequency field generated by a merchant computing device add-on component, a user operating the user computing device desiring to complete a payment transaction with a merchant operating the merchant computing device;
during creation of a communication channel, receiving, from the merchant computing device add-on component, a list of communication protocols comprising a modified handshake communication protocol enabling devices to transmit payment and additional information in a bi-direction communication via a secure bi-directional proximity communication channel;
establishing the secure bi-directional proximity communication channel between the merchant computing device add-on component and the user computing device using the modified handshake communication protocol, the confirmation of capability causing transmission of a merchant identifier from the merchant computing device add-on component via the established secure bi-directional proximity communication channel;
receiving the merchant identifier from the merchant computing device add-on component via the secure bi-directional proximity communication channel using the modified handshake communication protocol;
determining that a merchant-specific private label financial account is available for use during the payment transaction based on the received merchant identifier, the merchant-specific account limited to use only during payment transactions with the merchant associated with the received merchant identifier and differing from open loop financial account that can be used at unlimited locations;
enabling the merchant-specific account for use during the payment transaction;
receiving a payment request via the secure bi-directional proximity communication channel from the merchant computing device add-on component for the payment transaction, the add-on component receiving the payment request from a merchant computing device payment component;
preparing a response comprising the enabled merchant-specific account information; and
transmitting the response to the add-on component via the secure bi-directional proximity communication channel, the merchant computing device add-on component communicating the response to the payment component for payment processing.

US Pat. No. 10,430,781

USING A MOBILE DEVICE IN A COMMERCIAL TRANSACTION

1. A method comprising:receiving, with a first device, information for completing a transaction between a first entity associated with the first device and a second entity associated with a second device;
the first device causing a payment to be made to the second entity by communicating with a third device via a communications network;
the first device receiving a payment confirmation from the third device; and
the first device providing the payment confirmation to the second device, thereby completing the transaction.

US Pat. No. 10,430,780

SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT

Payfone, Inc., New York,...

1. A method of issuing a virtual credit or debit card for a mobile subscriber comprising: performing the following operations using one or more computing systems:receiving a request to issue a virtual credit or debit card for a mobile subscriber and a current mobile telephone number for the mobile subscriber;
querying a mobile service provider and/or a clearinghouse for mobile services for a current mobile subscriber identifier associated with the mobile telephone number; and
comparing at least the current mobile subscriber identifier and a mobile subscriber identifier associated with the mobile telephone number to authenticate the mobile subscriber before issuing the virtual credit or debit card.

US Pat. No. 10,430,779

SYSTEMS AND METHODS FOR TRANSACTING AT AN ATM USING A MOBILE DEVICE

Capital One Services LLC,...

1. A system for transacting at an automated teller machine (ATM), comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive transaction data associated with a transaction request received from a mobile device associated with a customer, wherein the transaction data includes a customer identifier,
identify a customer account based on the customer identifier;
determine that the mobile device is physically located within a predetermined distance from the ATM, by detecting an identification signal transmitted from the mobile device to the ATM via a local network;
responsive to the detected identification signal, transmit a signal to the mobile device indicating that the mobile device is within the predetermined distance from the ATM, for displaying a notification and prompt on the mobile device;
wherein a financial service provider system associated with the ATM detects capabilities associated with the mobile device;
prompt, via the signal, the mobile device based on the detected capabilities associated with the mobile device to provide authentication data associated with the customer;
receive, from the mobile device and in response to the displayed prompt, the authentication data associated with the customer, the authentication data being provided by the customer operating the mobile device and without requiring the customer to directly input data at the ATM and wherein a transaction amount above a predefined threshold requires receipt of a more secure type of authentication data or greater amount of authentication data;
determine, based on the transaction amount, whether the received authentication data authenticates the transaction;
based on the determination, iteratively prompt the mobile device to enter additional authentication data;
wherein a number of iterations depends on the customer account and the transaction amount;
authorize the transaction when the authentication data authenticates the transaction by comparing the received authentication data with stored customer data corresponding to the customer; and
based on the determination, provide an indication to the ATM to perform the transaction.

US Pat. No. 10,430,778

USING AUGMENTED REALITY FOR SECURE TRANSACTIONS

PAYPAL, INC., San Jose, ...

1. A method for accessing transactions via augmented reality devices, the method comprising:acquiring, via an augmented reality (AR) device, an image of a display of a user device;
determining, based on image analysis of the image, that the user device displays an interactive transaction element for a transaction between the user device and a server;
communicating with a server to move functionality of the interactive transaction element from the user device to the AR device;
generating a new interactive transaction element providing access to the transaction at the server;
visually projecting the new interactive transaction element using the AR device; and
providing access to the new interactive transaction element that is visually projected via the AR device.

US Pat. No. 10,430,777

BILL PAYMENT SYSTEM AND METHOD

GELLINER LIMITED, Dougla...

1. A method performed by a mobile wireless communication device, the method comprising:scanning, via a scanner of the mobile wireless communication device, a non-textual image that encodes a merchant identification code corresponding to (i) a merchant and (ii) a merchant template;
decoding the non-textual image to recover the merchant identification code;
sending, to an application server, a request for a template corresponding to the merchant, wherein the request includes the merchant identification code recovered from decoding the non-textual image;
capturing an image of text of a bill from the merchant;
receiving, from the application server, the merchant template, wherein the merchant template associates (i) a bill identification code data field with a first location within the image of text and (ii) an amount due data field with a second location within the image of text;
performing optical character recognition to identify the text of the bill;
using the merchant template to determine (i) that a first portion of the text that appears at the first location is a bill identification code and (ii) that a second portion of the text that appears at the second location is an amount due; and
sending, to the application server, the bill identification code, the amount due, and information identifying a payment instrument, thereby initiating payment of the amount due by the payment instrument.

US Pat. No. 10,430,776

SYSTEM AND METHOD FOR EXCEPTION HANDLING IN SELF-CHECKOUT AND AUTOMATED DATA CAPTURE SYSTEMS

DATALOGIC USA, INC., Eug...

1. An automated optical code reading and control system, comprisinga data reader having a read zone;
a conveyor system configured to transport one or more items through the read zone of the data reader, the data reader configured to read optical code data on the one or more items and to identify the one or more items during a reading process as the one or more items pass through the read zone;
a storage device in operable communication with the data reader, the storage device having stored therein a set of item data for each of the one or more items, the set of item data being retrievable from the storage device via the optical code data;
an exception identification system configured to detect an exception item from the one or more items that have been transported through the read zone, the exception item being a transported item that was not successfully identified by the data reader;
an imaging system configured to acquire an image of the exception item;
an exception handling system in operable communication with the exception identification system and the storage device, the exception handling system configured to query the storage device and retrieve one or more sets of item data for items determined by the exception handling system to be potential matches for the exception item;
a processor configured to receive the one or more sets of item data for the items determined to be potential matches for the exception item, and to generate one or more selectable icons for the items determined to be potential matches for the exception item; and
a display having a display screen, the display in operable communication with the processor and the imaging system, the display screen configured to: (a) present the image of the exception item, (b) present the one or more selectable icons generated by the processor, and (c) receive input from an operator for associating the image of the exception item with one of the one or more selectable icons to resolve the exception for the exception item with the item associated with the selection icon.

US Pat. No. 10,430,775

VALIDATION AND LOOKUP TECHNIQUES FOR RULE-BASED DATA CATEGORIZATION

Amazon Technologies, Inc....

1. A computer-implemented method of providing improved access to a database to reduce processing time and increase workflow, the method comprising:under control of one or more servers configured with executable instructions,
receiving rules that assign product tax codes to items in an electronic catalog based at least in part on one or more attributes of the items;
assigning different priority values to the rules, the priority values uniquely identifying a priority of the rules to operate as a tie breaker when more than one rule applies to one item;
arranging the rules in a lookup flow having a tree structure that enables traversal of the lookup flow while bypassing at least a portion of the rules, wherein the rules in the lookup flow are arranged based at least in part on attribute values, a first rule having a first attribute being arranged in a different branch of the tree structure than a second rule having a second, different attribute;
identifying at least the first rule and a third rule that apply to an item based at least in part on one or more attributes of the items by traversing the lookup flow, wherein the traversing the lookup flow includes bypassing the second rule based at least in part on the arranging of the rules in the lookup flow to reduce the processing time of the workflow, wherein the bypassing includes determining that a node associated with the second rule includes the different attribute and does not include the first attribute, and wherein the bypassing includes bypassing at least one sub-node of the node associated with the second rule;
determining a priority value of the first rule and a priority value of the third rule;
assigning a product tax code to the item using a code from the first rule based at least in part on the priority value of the first rule; and
completing a transaction using the product tax code assigned to the item.

US Pat. No. 10,430,774

POINT OF INTERACTION LOYALTY CURRENCY REDEMPTION IN A TRANSACTION

Visa International Servic...

1. A computing apparatus configured on an electronic payment processing network, the computing apparatus comprising:a database storing registration data associating:
a payment account controlled by a primary issuer on the electronic payment processing network to hold financial currencies for a user; and
a plurality of loyalty accounts controlled by a plurality of secondary issuers respectively to hold loyalty currencies for the user;
a processor; and
memory storing instructions which when executed by the processor cause the processor, in response to a point of service (POS) terminal making an authorization request in the electronic payment processing network for a payment transaction in the payment account, to:
determine a first redemption amount of funds to be applied to the payment transaction via redeeming loyalty currencies associated with the payment account identified in the authorization request;
compute, according to the registration data in the database, second redemption amounts respectively from the plurality of loyalty accounts that are associated with the payment account in the database;
communicate, by the computing apparatus in accordance with the second redemption amounts, with each respective issuer in the plurality of secondary issuers to cause:
the respective issuer to send to the primary issuer an equivalent financial currency value of a loyalty currency value of the user being held by the respective issuer, in exchange for a corresponding reduction of the loyalty currency value from a respective loyalty account controlled by the respective issuer, and
the primary issuer to add an equivalent primary loyalty currency value to a primary loyalty account of the user for the equivalent financial currency value received from the respective issuer; and
communicate, by the computing apparatus in accordance with the first redemption amount, with the primary issuer to cause the primary issuer to:
send, as financial tender for the payment transaction, at least a first financial currency value corresponding to a sum of loyalty currency values that are reduced in the plurality of loyalty accounts as a result of the computing apparatus communicating with each respective issuer in the plurality of secondary issuers; and
make a reduction in the primary loyalty account according to the first financial currency value sent as financial tender for the payment transaction.

US Pat. No. 10,430,773

METHOD FOR DETERMINING THE STATE OF ACCESS CONTROL DEVICES AND SALES OR PAYMENT MACHINES OF AN ACCESS CONTROL SYSTEM

1. A method of determining a state of access control devices and sales or payment machines of an access control system, the method comprising:detecting, permanently or in predetermined time intervals, a sound profile in an audible or an ultrasonic range emitted during operation by a component or a component group of an access control device or a sales or payment machine of an access control system by at least one microphone and on a basis of a recorded sound profile,
creating an acoustic identification signature in a server or a central computer, which identification signature is based on a frequency spectrum of the recorded sound profile and/or a temporal change thereof,
assigning the acoustic identification signature to a component or a component group and comparing with an acoustic reference identification signature which is stored in the server and assigned to the component or component group,
in an event of detection of a deviation of the detected acoustic identification signature from the acoustic reference identification signature stored in the server, which deviation exceeds a predetermined first threshold value, detecting increased wear of the component or the component group, and
in an event of detection of the deviation of the detected acoustic identification signature from the acoustic reference identification signature stored in the server, which deviation exceeds a second threshold value, which is higher than the first threshold value, detecting a defect of the component or the component group.

US Pat. No. 10,430,772

METHOD AND SYSTEM FOR PROVIDING MULTIPLE SERVICES VIA A POINT-OF-SALE PORTAL ARCHITECTURE

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

1. A system for providing multiple services to computing devices, the system comprising:a services syndication hub comprising one or more servers, the services syndication hub configured to combine and package a plurality of services from a plurality of service providers comprising payment processors into different combinations of services, and provide the different combinations of services for different subscribers according to customization requirements of the subscribers, wherein the subscribers are merchants, wherein the plurality of services include authorization services for a variety of payment instruments, and wherein the services syndication hub is configured to receive a payment authorization request from a merchant subscriber, and is configured to choose an appropriate gateway for authorization and return an appropriate result to the merchant subscriber, wherein the different combinations of services are rendered at the computing devices differently based on the customization requirements of the subscribers and different hardware capabilities of the computing devices; and
a plurality of appliance servers configured to receive the different combinations of services for different subscribers from the services syndication hub and to provide the different combinations of services for different subscribers to the computing devices.

US Pat. No. 10,430,771

SYSTEMS AND METHODS FOR PAYMENT PROCESSING ON PLATFORMS

Worldpay, LLC, Symmes To...

1. A computer-implemented method for peripheral device integration on a mobile point of sales device, the mobile point of sales device comprising a payment processing interface system and a storage device, the method comprising:receiving, by the payment processing interface system, a transaction amount;
determining, by the payment processing interface system, a plurality of supported alternate payment types, wherein each supported alternate payment type is one of a virtual currency or a nontraditional payment broker, wherein the determining comprises:
querying, by the payment processing interface system over an electronic network, a payment management system for the plurality of supported alternate payment types;
receiving, by the payment processing interface system via a user interface, a selection of an alternate payment type among the plurality of supported alternate payment types;
detecting, by the payment processing interface system, a peripheral card reader device coupled to the mobile point of sales device;
in response to detecting the peripheral card reader device, determining, by the payment processing interface system, that a library associated with the peripheral card reader device does not exist in the storage device, wherein the library comprises computer-executable code;
based on the determining that the library does not exist in the storage device,
querying, by the payment processing interface system over the electronic network, the payment management system for the library,
receiving, by the payment processing interface system over the electronic network, the library from the payment management system, and
loading, by the payment processing interface system, the computer-executable code from the library;
interfacing, by the payment processing interface system and using the computer-executable code, with the peripheral card reader device, wherein the interfacing comprises receiving, by the payment processing interface system and using the computer-executable code, account data from the peripheral card reader device according to the selected alternate payment type;
providing, by the payment processing interface system over the electronic network, the account data, a merchant ID and the transaction amount to the payment management system according to the selected alternate payment type; and
receiving, by the payment processing interface system over the electronic network, a response from the payment management system.

US Pat. No. 10,430,770

SYSTEM AND METHOD FOR DISTRIBUTING DIGITAL RIGHTS MANAGEMENT DIGITAL CONTENT IN A CONTROLLED NETWORK ENSURING DIGITAL RIGHTS

Intel Corporation, Santa...

1. A home media server to locally manage digital media rights, the home media server comprising:a hardware processor; and
a memory storing media selection logic and a local license server;
wherein the media selection logic when executed by the hardware processor causes the hardware processor to (i) store an enumeration of digital media items selectable by a user for local playback on a media rendering device communicatively coupled to the home media server via a local area network, (ii) receive a selection associated with an encrypted digital media item from a control point communicatively coupled to the home media server, and (iii) transmit a first Universal Resource Identifier indicative of a media location at which the selected encrypted digital media item is located to the control point for transmission to the media rendering device; and
wherein the local license server when executed by the hardware processor causes the hardware processor to (i) receive a message and user information from the control point to retrieve a license required to decrypt the selected encrypted digital media item, wherein the received message comprises a key identifier and a second Universal Resource Identifier indicative of a remote location of a remote license server communicatively coupled to the home media server and at which the required license is located, (ii) retrieve the required license from the remote license server with the user information based on the key identifier and the second Universal Resource Identifier, (iii) transmit a third Universal Resource Identifier to the control point, the third Universal Resource Identifier is indicative of a local location of the home media server at which the retrieved required license is located, (iv) receive a request for the retrieved required license from the media rendering device based on the third Universal Resource Identifier, and (v) transmit the retrieved required license to the media rendering device to decrypt the selected encrypted digital media item based on one or more usage rules of the retrieved required license.

US Pat. No. 10,430,768

WI-FI MANAGEMENT AND MONETIZATION SYSTEM AND METHOD

ISTYXX NETWORK LLC, Napl...

1. A system for monetizing an Internet connection, the system comprising:a router communicably coupled with the Internet, the router configured for receiving a request from a client computing device to connect to the router for Internet access, and redirecting the client computing device to a first Uniform Resource Locator (URL) via the Internet connection;
a hosting server located at the first URL, the hosting server configured for serving at least one page to the client computing device, wherein the at least one page includes client user-viewable ads and an Internet connection confirmation widget, wherein when the widget is activated by the client user, the hosting server redirects the client computing device to a second URL;
an Internet connection management server located at the second URL, the Internet connection management server configured for:
serving one or more pages to the client computing device providing the following options: 1) a free session of access to the Internet, subsequent to receiving a confirmation from the client user regarding terms and conditions via the one or more pages, 2) a paid session of access to the Internet, subsequent to receiving electronic payment information of the client user via the one or more pages, and 3) a paid voucher session of access to the Internet, subsequent to receiving voucher information of the client user via the one or more pages;
granting access to the Internet to the client computing device, according to the option selected by the client user via the one or more pages; and
managing an amount of time the client computing device may access the Internet, according to the option selected by the client user.

US Pat. No. 10,430,767

MEDIA LIFE CYCLE MANAGEMENT SYSTEM

ARCH HOLDINGS, LP, Carro...

14. A method of media destruction via a kiosk comprising the steps:initializing the kiosk;
engaging the media item with a media acceptance subsystem having a media engager and a media tray, wherein the media engager receives the media item;
transferring, with the media engager, the media item to the media tray;
transferring, with the media acceptance subsystem, the media item between the media tray and a media verification and documentation subsystem and a media destruction subsystem for processing by one or more media processing units, the one or more media processing units including the optical scanning unit;
verifying the media item received from the user with the media verification subsystem;
documenting the verification of the media item;
destroying the media item with the media destruction subsystem;
recording a media item destruction with the optical scanning unit;
generating a data file with the recording the media item destruction;
transmitting a generated data file to a studio for a reimbursement;
accounting for the media item destruction and the reimbursement; and
printing a receipt.

US Pat. No. 10,430,766

LIFE EVENT-BASED TRAVEL PLANNING

FUJITSU LIMITED, Kawasak...

1. A method of automated travel planning, the method comprising:obtaining social networking data regarding a traveler;
based on importance attributes of life events derived from the social networking data, obtaining a first life event and a second life event as a basis for travel of the traveler;
requesting first electronic content regarding the first life event from a third party;
receiving the first electronic content from the third party and a request from the third party that the first electronic content remain temporarily hidden from the traveler, and storing the first electronic content such that the first electronic content is associated with the first life event;
receiving second electronic content and storing the second electronic content such that the second electronic content is associated with the second life event;
identifying a first location for the first life event and a second location for the second life event;
electronically generating a map of the first life event and the second life event, the map including transportation between the first location and the second location, the map also including the first electronic content associated with the first life event and the second electronic content associated with the second life event;
automatically generating an itinerary, the itinerary including the transportation between the first life event and the second life event;
presenting the itinerary to the traveler, the itinerary displaying a representation of the second electronic content as associated with the second life event and hiding the first electronic content from the traveler in the itinerary until the traveler arrives at the first location based on the request from the third party;
tracking a portable device of the traveler for a current location of the traveler using a global positioning system (GPS) device of the portable device;
determining whether the current location of the traveler is the first location and based on a determination that the current location of the traveler is the first location, transmitting the first electronic content of a first type to the portable device of the traveler along with first additional electronic content of a type different from the first type; and
determining whether the current location of the traveler is the second location and based on a determination that the current location of the traveler is the second location, transmitting the second electronic content of a second type to the portable device of the traveler along with second additional electronic content of a type different from the second type.

US Pat. No. 10,430,765

PROCESSING KEYBOARD INPUT TO PERFORM EVENTS IN RELATION TO CALENDAR ITEMS USING A WEB BROWSER-BASED APPLICATION OR ONLINE SERVICE

salesforce.com, inc., Sa...

1. A database system implemented using a server system, the database system configurable to cause:maintaining a database storing data objects identifying a plurality of calendar items, each calendar item comprising a subject, a date, and a time range;
displaying, in a user interface on a display of a device, a bounding window of a web browser comprising one or more panes, the one or more panes comprising visual representations of the calendar items, each visual representation comprising a presentation of one or more of the subject, the date, or the time range of a calendar item;
processing keyboard input indicating a first one or more keystrokes on a keyboard of the device to interact with a first calendar item of the calendar items, the keyboard input received over a data network from the device;
determining one of a plurality of different views of the first calendar item;
identifying one of a plurality of auditory representations of the first calendar item as corresponding to the determined view;
transmitting audio data to the device, the audio data configured to be processed by the device to play the identified auditory representation of the first calendar item;
identifying, from a plurality of computing events capable of being performed in relation to the first calendar item, a first one or more computing events as being mapped to the first one or more keystrokes; and
performing the identified one or more computing events.

US Pat. No. 10,430,764

SYSTEM AND METHOD FOR GENERATING A THREE-DIMENSIONAL RESUME

SkillGigs, Inc., Houston...

1. A method, comprising:receiving resume data from a computing device of a job candidate, the resume data including:
a plurality of roles the job candidate has occupied,
for each of the roles, a plurality of skills used by the job candidate in the respective roles, and
for each of the skills, a measure of usage of the respective skill in the respective role;
combining the measures of usage of the each skill across the plurality of roles to form a skill density score for each of the skills, wherein:
at least some of the roles are associated in the received resume data with data indicative of a duration of time the job candidate occupied the respective role; and
at least some of the roles are associated in the received resume data with data indicative of a duration of time that has elapsed since the job candidate occupied the respective role; and
forming a skill density score for each of the skills comprises:
for each of the roles, and for each of the measures of usage of the respective skills in the respective roles, adjusting the respective measures of usage based on both the duration of time the job candidate occupied the respective role and the duration of time that has elapsed since the job candidate occupied the respective role; and
summing the adjusted measures of usage of the each skill across the plurality of roles to form a sum of usages for each skill;
receiving a request for information about job candidates from a computing device of a recruiter; and
sending data indicative of the skill density scores for at least some of the skills to the computing device of the recruiter, the sent data causing the computing device of the recruiter to present a user interface that graphically indicates skill strengths with values of visual attributes of shapes that span roles and account for elapsed time since roles were occupied, measures of usage of skills in roles, and durations of roles, wherein sending data indicative of the skill density scores for at least some of the skills to the computing device of the recruiter comprises specifying an area chart at least in part by:
accessing a template that at least partially specifies sizes of a plurality of differently sized shapes;
ranking each of the skills according to skill density score; and
mapping the skills to the differently sized shapes of the template based on the ranking such that skills at one end of the ranking are mapped to larger shapes than skills at another end of the ranking, wherein:
the skills are displayed in the area chart according to the mapping; and
at least some sizes of shapes are not proportionate to corresponding skill density 7 scores of skills mapped to corresponding shapes.

US Pat. No. 10,430,763

APPARATUS, METHOD AND SYSTEM FOR CLASSIFYING FREELANCERS

Upwork, Inc., Mountain V...

1. A system for optimizing performance and minimizing delays within a services exchange medium, the system comprising:at least one data store that together stores:
a job post associated with a client;
a freelancer profile associated with a freelancer; and
a client profile associated with the client; and
a computer server communicatively coupled with the at least one data store and configured to:
establish a plurality of onboarding process flows configured by the client, wherein each of the plurality of onboarding process flows includes initial onboarding tasks that are specific to a position within the services exchange medium and also includes rules that define completion dependencies for the initial onboarding tasks;
associate the freelancer with one of the plurality of onboarding process flows previously configured by the client;
access from the at least one data store the job post, the freelancer profile, and the client profile;
automatically capture data from the job post, the freelancer profile and the client profile;
implement a first algorithm that computes a first score based on the captured data, wherein the first score is mapped to one of a plurality of onboarding levels;
when the first score is within a first range, ascertain a classification of the freelancer without needing to request for input from the freelancer;
when the first score is not within the first range, automatically influence rigor of the onboarding process that is associated with the freelancer by dynamically integrating additional onboarding tasks into the onboarding process, wherein data associated with the additional onboarding tasks that subsequently are received are used by the computer server to support the classification of the freelancer; and
present the onboarding process flow that is associated with the freelancer in an onboarding dashboard for display on a viewing device, wherein the rules enforce an order of user inputs into the onboarding dashboard such that when a subsequent onboarding task that is dependent on at least one uncompleted onboarding task is activated, a task message for the subsequent onboarding task and reachable from the onboarding dashboard is displayed, wherein the task message displays the at least one uncompleted onboarding task that needs to be completed prior to starting the subsequent onboarding task, and wherein the task message is displayed while the at least one uncompleted onboarding task is not activated.

US Pat. No. 10,430,762

STRATEGY FOR COLLECTION FLOW AND SEEDING WITHIN A COHORT

Microsoft Technology Lice...

1. A computerized method comprising:identifying a cohort to target, the cohort including a plurality of members of a social networking service having member profiles that all share at least one attribute value;
identifying, from the plurality of members of the cohort, a plurality of eligible members, the eligible members being members eligible to receive an invitation to submit confidential data;
identifying a minimum number of eligible members of the cohort in order to provide relevant statistical insights from confidential data submitted by eligible members of the cohort;
based on an assumed response rate for eligible members of the cohort, a total number of eligible members in the cohort, and the minimum number of eligible members of the cohort in order to provide relevant statistical insights, dividing the eligible members into a first wave and a second wave, the assumed response rate estimated based on past history of response rates to similar invitations to cohorts similar to the cohort;
sending invitations to submit confidential data to eligible members in the first wave while indicating statistical insights from confidential data submitted by eligible members of the cohort will be delayed;
receiving confidential data from one or more of the eligible members in the first wave;
measuring a response rate of eligible members in the first wave;
based on the measured response rate, sending invitations to submit confidential data to eligible members in the second wave;
organizing received confidential data into slices organized by cohort;
anonymizing the confidential data in each slice;
encrypting the anonymized confidential data in each slice;
storing the encrypted anonymized confidential data on an external data source;
performing statistical analysis of confidential data in a slice corresponding to the cohort by accessing the encrypted anonymized confidential data on the external data source; and
providing results of the statistical analysis to eligible members of the cohort who have submitted confidential data.

US Pat. No. 10,430,760

ENHANCING COMMUNICATIONS BASED ON PHYSICAL TRADE DOCUMENTS

Bank of America Corporati...

1. A system for enhancing communications based on physical trade documents, comprising:a document scanner configured to receive a first physical trade document and a second physical trade document from an entity, the document scanner further configured to:
scan the first physical trade document to create a first electronic file of the first physical trade document; and
scan the second physical trade document to create a second electronic file of the second physical trade document; and
one or more processors configured to:
determine first entity identification information from the first electronic file, wherein the first entity identification information comprises an entity name and an entity address;
determine second entity identification information from the second electronic file;
determine entity performance information from the first electronic file, wherein the entity performance information identifies a role performed by the entity, the entity performance information selected from the group comprising: a supplier, a buyer, a transporter, and a document negotiator;
identify trade terms from the first electronic file, wherein the trade terms comprise one or more of: a quantity of the first goods, a unit price of the first goods, and a total price of the first goods;
identify a location of the trade terms in the first physical trade document;
create a template file of the first physical trade document using the location of the trade terms, the template identifying one or more locations in the first physical trade document of one or more key information;
assign a first electronic customer number to the first electronic file and the template, wherein the first electronic customer number is associated with the first entity identification information;
assign a second electronic customer number to the second electronic file, wherein the second electronic customer number is associated with the second entity identification information;
index the first electronic file in a memory, wherein the first electronic file is indexed according to the first electronic customer number and the entity performance information;
determine whether the second electronic customer number of the second electronic file matches the first electronic customer number assigned to the template; and
in response to determining that the second electronic number matches the first electronic customer number, apply the template to the second electronic file by:
comparing the template to the second electronic file; and
identifying one or more key information from the second electronic file based on the one or more locations in the first physical trade document identified by the template.

US Pat. No. 10,430,758

CYCLE COUNT BASED INVENTORY MANAGEMENT

Aesynt Incorporated, War...

1. A method for managing medication inventory comprising:maintaining, in a medication dispensing device in a dispensing mode, a medication a no-touch system where a medication is picked from the medication dispensing device without updating an inventory count of the medication in an inventory system;
receiving, with a computer system comprising one or more processors, an order to one of increase the inventory count of the medication in the inventory system and decrease the inventory count of the medication in the inventory system from an order entry device other than the medication dispensing device;
dispensing device in the dispensing mode;
determining, with the computer system, a predicted count of the medication associated with the medication dispensing device based on the order;
determining, with the computer system, assignment data associated with the medication based on the predicted count and one or more inventory criteria associated with the medication;
providing, with the computer system, the assignment data to a remote device, wherein the assignment data includes a prompt to perform a cycle count of the medication associated with the medication dispensing device;
receiving, with the computer system from the remote device, cycle count data associated with the cycle count of the medication; and
updating, with the computer system, the inventory count of the medication based on the cycle count data.

US Pat. No. 10,430,757

MASS TIMBER BUILDING FACTORY SYSTEM FOR PRODUCING PREFABRICATED CLASS-A FIRE-PROTECTED MASS TIMBER BUILDING COMPONENTS FOR USE IN CONSTRUCTING PREFABRICATED CLASS-A FIRE-PROTECTED MASS TIMBER BUILDINGS

N-Fire Suppression, Inc.,...

1. A method of producing a pre-fabricated Class-A fire-protected mass-timber building in a factory environment supporting one or more production lines for producing prefabricated Class-A fire-protected mass-timber building components designed for construction of said pre-fabricated Class-A fire-protected mass-timber building on a building construction site, said method comprising the steps of:(a) receiving an order for a prefabricated Class-A fire-protected mass-timber building characterized by a set of design specifications;
(b) analyzing the set of design specifications for said pre-fabricated Class-A fire-protected mass-timber building, into a set of design specification for prefabricated Class-A fire-protected mass-timber building components to be fabricated in said factory environment in accordance with a prefabricated mass-timber building project;
(c) determining the type and quantity of wood required to fabricate each said prefabricated Class-A fire-protected mass-timber building component specified by said pre-fabricated mass-timber building project;
(d) determining a supply of clean fire inhibiting chemical (CFIC) liquid required to treat wood to be used to fabricate each said Class-A fire-protected mass-timber building component;
(e) fabricating each said prefabricated Class-A fire-protected mass-timber building component in said factory environment, using the type and quantity of wood determined in step (c);
(f) during fabrication of each said mass-timber building component in said factory environment, applying said CFIC liquid to the wood of said mass-timber building component being treated, so as to fabricate a Class-A fire-protected mass-timber building component for use in constructing said prefabricated Class-A fire-protected mass-timber building;
(g) after applying said CFIC liquid to the wood of each said treated mass-timber building component in said factory environment so as to produce said Class-A fire-protected mass-timber building component, certifying and marking each said Class-A fire-protected mass-timber building component as being applied with said CFIC liquid, for inspection and documentation purposes;
(h) during fabrication of each pre-fabricated Class-A fire-protected mass-timber building component in said factory environment, applying an identifying tag to each produced Class-A fire-protected mass-timber building component being produced for use in the ordered prefabricated Class-A fire-protected mass-timber building;
(i) during fabrication of each said prefabricated Class-A fire-protected mass-timber building component in said factory environment, capturing and collecting digital photographs and/or videos visually showing an indication of Class-A fire-protection stamped or posted on each said pre-fabricated Class-A fire-protected mass-timber building component;
(j) uploading said digital photographs and/or videos including wood-treatment and fire-protection information with time/date and location stamping, to an information server maintained on a computer network; and
(k) during construction of said prefabricated Class-A fire-protected mass-timber building on a building construction site, remotely located from said factory environment, accessing said digital photographs and/or videos, including wood-treatment and fire-protection status information with time/date and location stamping, from said information server maintained on said computer network, so as to provide visual evidence for entities involved in said prefabricated Class-A fire-protected mass-timber building, that said CFIC liquid has been applied to each said prefabricated Class-A fire-protected mass-timber building component and provided with Class-A fire-protection while being fabricated in said factory environment.

US Pat. No. 10,430,756

MULTI-LEVEL INVENTORY MANAGEMENT SYSTEM AND ASSOCIATED METHODS

Software Developers, LLC,...

1. A method of operating a multi-level inventory tracking system comprising at least one computer processor and at least one non-transitory computer-readable storage medium characterized by a plurality of instructions which, when executed by the at least one computer processor, perform the method comprising:creating at least one bin-level record each comprising a respective bin-level inventory, defined as a bin-level count characterized by a physical inventory type and associated with a bin-level SKU;
creating at least one warehouse-level record each comprising a respective warehouse-level inventory, defined as a warehouse-level count characterized by the physical inventory type and associated with a warehouse-level SKU configured to reference the bin-level SKU; and
creating at least one aggregate-level record comprising an aggregate-level inventory, defined as an aggregate-level count characterized by an available inventory type and associated with an aggregate-level SKU configured to reference the warehouse-level SKU.

US Pat. No. 10,430,755

INVENTORY MANAGEMENT DEVICE

1. An inventory management device to monitor an amount of a material in a container, the device comprising:a capacitive level sensor to measure a first capacitance value of the material in the container and the container and a second capacitance value of the container;
a vibration sensor in electronic communication with the capacitive level sensor to generate a vibration signal that corresponds to a vibration of the container;
a storage unit in electronic communication with the capacitive level sensor to store the first capacitance value;
a controller in electronic communication with the capacitive level sensor and storage unit to measure a change in the capacitance between the first capacitance value and second capacitance value;
a transmitter in electronic communication with the controller to transmit an output signal when the controller measures the change in capacitance; and
a flexible battery to power the capacitive level sensor, vibration sensor, storage unit, controller, and transmitter;
wherein the inventory management device has a thickness less than 1 mm.

US Pat. No. 10,430,754

MONITORING PARTS IN A FACILITY

WEIR GROUP IP LIMITED, G...

1. A method for tracking parts in a facility, the method comprising:storing a beacon identifier in a wireless beacon attached to a first part moving through the facility;
retrieving, by the wireless beacon attached to the first part moving through the facility, a tag identifier stored in a location tag attached to a second part moving through the facility, wherein the first part is distinct from the second part, and wherein the first part and the second part are coupled together as constituent parts of a manufacturing item moving through the facility;
generating, on the wireless beacon attached to the first part, a location signal comprising:
(1) the beacon identifier of the wireless beacon attached to the first part moving through the facility, and
(2) the tag identifier of the location tag attached to the second part moving through the facility; and
transmitting, from the wireless beacon attached to the first part, the location signal comprising both the beacon identifier of the wireless beacon attached to the first part and the tag identifier of the location tag attached to the second part to one or more receivers for tracking locations of the first part and the second part in the facility.

US Pat. No. 10,430,753

SYSTEM AND METHOD FOR INTERNATIONAL MERCHANDISE RETURN SERVICE

UNITED STATES POSTAL SERV...

1. A method of processing return merchandise being returned from a user in a first country to a merchant of the merchandise in a second country, the method comprising:interconnecting a plurality of user computing devices and a first server using a network, the plurality of user computing devices being in data communication with the network and the first server having a data connection to a first database;
interconnecting, to the network, a second server including one or more processors and a data connection to a second database;
receiving, using the one or more processors, identifying information of a user in a first country desiring to return merchandise associated with a merchant;
accessing, using the one or more processors, address information for a merchandise return location in a second country based on information associated with the merchant;
generating, using the one or more processors, a first machine readable identifier in accordance with requirements of at least one of the first country or a first country carrier for use in tracking delivery in returning the merchandise based at least on the user information;
generating, using the one or more processors, a second machine readable identifier in accordance with requirements of at least one of the second country or a second country carrier for use by the second country carrier based at least on information to route the return merchandise;
determining, using the one or more processors, if the second country carrier is a same carrier for both an origination shipment of the merchandise from the merchant and to the merchandise return location in the second country;
determining, using the one or more processors, if a return shipping fee is required for merchandise being returned from the user in the first country to the merchandise return location in the second country and an amount of the return shipping fee if the return shipping fee is required, wherein the determining whether the return shipping fee is required is based at least in part on whether the second country carrier is the same carrier for both the origination shipment of the merchandise and a shipment for the merchandise return;
generating, using the one or more processors, a return label for merchandise being returned from the user in the first country to the merchandise return location in the second country, the return label including the first machine readable identifier, the second machine readable identifier, a customs declaration for the merchandise, and return shipment payment information, wherein the return shipment payment information comprises merchant information encoded to facilitate payment of the return shipping fee if any return shipment payment information is applicable;
storing information from the return label in the first database or second database;
wherein the first country carrier and the second country carrier are different return carriers, compensating the first country carrier for service rendered by the first country carrier,
querying the first database or second database storing information from the return label; and
determining that a customs service location for the second country received the package with the return label affixed thereupon and did not assess customs fees based on the query that the customs declaration portion of the return label indicates a return and one or more tariff codes indicative of returned merchandise.

US Pat. No. 10,430,751

SYSTEMS AND METHODS FOR MONITORING ITEM DISTRIBUTION

Walmart Apollo, LLC, Ben...

1. A system to monitor a retail item along a distribution chain, comprising:a camera system comprising a plurality of cameras configured to capture a plurality of video streams along a distribution chain, the plurality of cameras comprises at least one distribution center camera system and at least one on-vehicle camera system configured to capture images of a storage compartment of a transport vehicle, wherein the distribution chain comprises a plurality of distribution centers and a plurality of transport vehicles each monitored by one or more cameras of the plurality of cameras;
an item record database comprising one or more item distribution records corresponding to each of multiple different monitored retail items;
one or more sensors along the distribution chain operatively coupled to a control circuit, the one or more sensors configured to provide sensed data to the control circuit; and
the control circuit coupled to the item record database and the one or more sensors, the control circuit being configured to:
access the plurality of video streams throughout the distribution chain, the plurality of video streams are captured by the camera system;
detect one or more events based on the plurality of video streams and the sensed data;
identify, in the plurality of video streams, a monitored item of one or more monitored items based on the detected one or more events;
tag the detected one or more events in the plurality of video streams;
extract video data associated with the monitored item from at least one of the plurality of video streams, wherein the video data comprises one or more event tags identifying detected events associated with the monitored item, and wherein the one or more event tags comprises tags associated with one or more of: a shock event, a drop event, a shrinkage event, a tampering event, and a damage event;
aggregate the video data to form an item distribution record recording a movement of the monitored item along the distribution chain;
associate the item distribution record of the monitored item with a customer order for the monitored item in the item record database; and
provide the item distribution record to a user associated with the customer order via an item record user interface.

US Pat. No. 10,430,750

SYSTEM-INDEPENDENT DATA LOGGING

KLATU NETWORKS, INC., Po...

1. A method for tracking an object in transit comprising:receiving, at a tracking system, location data acquired by a data acquisition device attached to the object, wherein the data acquisition device is coupled to one or more sensor devices that provide the location data, and wherein the data acquisition device is adapted to wirelessly communicate the location data using a radio frequency interface;
generating an electronic mail (Email) address, the Email address comprising a domain name that identifies the tracking system and an identifying portion that includes an identifier that uniquely identifies the data acquisition device, wherein Email messages transmitted to the Email address are received at the tracking system;
providing the Email address to a shipping portal while ordering shipment of the object;
receiving at least one Email message sent by the shipping portal to the Email address, wherein the at least one Email message includes the shipping information related to the object; and
determining updated locations of the object using a combination of the shipping information included in the at least one Email message and the location data acquired by the data acquisition device during shipment of the object.

US Pat. No. 10,430,749

METHOD AND SYSTEM FOR MONITORING THE USE OF SENSITIVE PRODUCTS

GLOBAL HEALTHCARE EXCHANG...

1. A method comprising:storing, by a computer-based system and in a first file, a first reference with a software-enabled computer database link to a product, wherein the first file is a product reference file having product data for product referencing;
storing, by a computer-based system and in the first file, a second reference with a software-enabled computer database link to a product type;
storing, by a computer-based system and in a second file, the first reference with a software-enabled computer database link to a medical facility system and a supplier system, wherein the second file is a central file having centralized data;
storing, by a computer-based system and in a third file, the first reference with a software-enabled computer database link to the medical facility system, wherein the third file is a stock management file having stock data for managing stock;
storing, by a computer-based system and in a fourth file, the first reference with a software-enabled computer database link to a patient, wherein the fourth file is a patient file having patient data;
receiving, by the computer-based system, from a recall notification system and via an internet, data indicating that at least one of the first reference or the second reference has a defect;
implementing a software-enabled tag, by the computer-based system, on at least one of the first reference or the second reference with a defect indicator;
determining, by the computer-based system and via an internet, that the first file, the second file, the third file or the fourth file includes at least one of the first reference or the second reference;
updating, by the computer-based system and via the internet, the first file, the second file, the third file and the fourth file with a software-enabled computer defect alarm;
inserting, by the computer-based system and via the internet and based on the determining, into the first file and the second file a restriction indicator preventing the first file and the second file from creating at least one of the product or the product type;
inserting, by the computer-based system and via the internet, into the first file and the second file a recall indicator starting a recall procedure for at least one of the first reference or the second reference with the defect indicator;
inserting, by the computer-based system and via the internet and based on the determining, into the third file a removal indicator providing a notification to remove at least one of the first reference or the second reference with the defect indicator;
preventing, by the computer-based system and via the internet and using a software-enabled computer lock, input of at least one of the first reference or the second reference with the defect indicator into the fourth file; and
blocking, by the computer-based system, a use of the product in response to reading a radio frequency identification tag (RFID) tag on the product, wherein the RFID tag is associated with the defect indicator.

US Pat. No. 10,430,747

UTILIZING SOCIAL PERFORMANCE PATTERNS TO MANAGE AND EVALUATE PERFORMANCE OF USER

International Business Ma...

1. A computer program product for improving management and performance of an employee, the computer program product comprising a computer readable storage medium having program code embodied therewith, the program code comprising the programming instructions for:receiving, by a social performance evaluator, an indication of a goal sponsored by an owner, wherein said goal is a desired result that a person, a group or an organization desires to achieve, wherein said owner is a user of a first client device connected to said social performance evaluator via a network;
receiving, by said social performance evaluator, an indication of a first user of a second client device connected to said network subscribing to said goal sponsored by said owner;
monitoring, by said social performance evaluator, communications on a social network involving said first user subscribed to said goal that includes a tag designating said goal;
detecting, by said social performance evaluator, a completion of said goal based on said monitored communications using natural language processing;
determining, by said social performance evaluator, a pattern of steps in accomplishing said goal by using natural language processing on said monitored communications involving said first user subscribed to said goal;
evaluating, by said social performance evaluator, an effectiveness of said pattern to accomplish said goal by other subscribed users, wherein said effectiveness of said pattern is based on a success or a failure in achieving said goal using said pattern, a length of time in achieving said goal, social media comments pertaining to said pattern, and a profit or revenue generated from achieving said goal, wherein said social performance evaluator utilizes a timer to determine said length of time in achieving said goal from a time said goal was sponsored by said owner to a time said goal was achieved by a subscribed user; and
recommending, by said social performance evaluator, actions to a second user of a third client device connected to said network concerning accomplishing said goal based on said pattern of steps, wherein said second user subscribed to said goal sponsored by said owner.

US Pat. No. 10,430,746

AREA ACCESS CONTROL SYSTEM AND METHOD

Predictive Safety SRP, In...

1. An area access control system comprising:a client electronic device configured to administer an alertness test to a user to determine a result for a user; and
an area access controller, coupled to and configured to be actuated by the client electronic device, wherein the area access controller is configured to allow the user to gain access to a restricted room based, at least in part, upon the result for the user.

US Pat. No. 10,430,745

METHOD AND APPARATUS FOR EVALUATING DRIVER PERFORMANCE AND DETERMINING DRIVER REWARDS

Azuga, Inc., San Jose, C...

1. A method for evaluating driver performance, the method comprising:receiving driver activity associated with a driver of a vehicle in a fleet from a telematics module;
for each event associated with each driver activity, assigning a score, wherein the score for each event is determined based on a magnitude, duration, and spatio-temporal context of the event;
generating an aggregate event score for each event for the driver;
determining a safety score for the driver based on the aggregated event scores;
determining a fuel economy score for the driver;
determining a productivity score for the driver;
determining a composite driver score based on a weighted average of the safety score, the fuel economy score, and the productivity score and updating a driver profile based on the driver activity;
evaluating the driver score and one or more social media accounts of the driver to generate rewards for the driver and updating the driver profile accordingly;
comparing measured data from the driver activity with a predetermined criteria for expected driver performance;
determining deficiencies and proficiencies based on the comparison;
determining motivations of the driver according to the driver profile and the driver activity;
generating games according to the motivations, deficiencies and proficiencies of the driver; and
pushing the games to social media accounts associated with the driver.

US Pat. No. 10,430,744

ROBOT SERVICE PLATFORM

Autodesk, Inc., San Rafa...

1. A computer implemented method, the method comprising:registering, a plurality of robots in a system including creating for each robot of the plurality of robots a robot profile, wherein the registering comprises discovering robots or owners of unregistered robots in a locale based on operations of a respective robot, sending an invitation to the discovered robots or owners of unregistered robots, and receiving a response that indicates acceptance of the invitation from the discovered robots or owners of unregistered robots;
publishing the robot profile of each registered robot of the plurality of registered robots to enable discovery of each registered robot by other registered robots in the system or by users of the system including owners of registered robots in the system;
providing an application programming interface to the plurality of registered robots in the system;
providing a user interface to users of the system;
receiving a service request;
determining that a user or registered robot is qualified to obtain service information in response to the service request;
determining, responsive to the user or registered robot being qualified, the service information for the service request based on the published robot profiles;
selecting one or more registered robots to receive the service information; and
sending the service information to the one or more selected registered robots.

US Pat. No. 10,430,743

COMPUTERIZED SYSTEM FOR SIMULATING THE LIKELIHOOD OF TECHNOLOGY CHANGE INCIDENTS

Bank of America Corporati...

1. A computerized system for simulating the likelihood of technology change incidents, comprising:a computer apparatus including a processor, a memory, and a network communication device; and
a technology change evaluation module stored in the memory, executable by the processor, and configured for:
determining a decoding divisor;
retrieving a plurality of encoded records regarding a plurality of historic information technology operational activities from an activity record database based on a division operation of the decoding divisor and one or more encoded words of each encoded record of the plurality of encoded records, wherein each encoded word is associated with a technology operational activity and is divisible by the decoding divisor, wherein the division operation yields a remainder of zero;
decoding, using a categorical data decoding algorithm, each of the plurality of encoded records into a plurality of decoded records, each of the decoded records comprising a binary value in each of a plurality of data fields, the plurality of data fields including a first data field defining whether one of the historic information technology operational activities is associated with a prior technology incident;
transforming, for each decoded record of the decoded records, the binary value associated with at least one data field of the plurality of data fields into technology identifier data;
processing the decoded records using a technology incident predictive model to produce an incident predictive algorithm for predicting whether a technology change event will cause a technology incident, the incident predictive algorithm defining a subset of the data fields and a weight factor for each data field in the subset of the data fields;
retrieving a plurality of change records, each change record being related to one of a plurality of future technology change events, each change record comprising change information related to one or more of the plurality of data fields, the change records comprising timing information related to the future technology change events;
evaluating the change information in the change records using the incident predictive algorithm to determine a likelihood that each of the future technology change events will cause a future technology incident;
determining an impact of each future technology incident;
determining an exposure index for each of the plurality of future technology change events based on (i) determining a likelihood that each of the future technology change events will cause a future technology incident and (ii) determining an impact of each future technology incident;
aggregating the exposure indices of the plurality of future technology change events to determine an aggregate exposure index for each of a plurality of time periods based on the timing information related to the future technology change events;
receiving a request from a user computing device to simulate a change to the timing information related to the future technology change events;
determining a simulated aggregate exposure index for each of the plurality of time periods based on (i) the exposure indices for each of the plurality of future technology change events and (ii) the change to the timing information related to the future technology change events;
determining whether the simulated aggregate exposure index for each of the plurality of time periods exceeds a predefined aggregate exposure level threshold;
prompting the user computing device to display a graphical user interface, the graphical user interface being configured to display information regarding whether the simulated aggregate exposure index for each of the plurality of time periods exceeds the predefined aggregate exposure level threshold.

US Pat. No. 10,430,742

SYSTEM AND METHOD FOR MODULAR CUSTOMIZATION OF INTERMEDIATE BUSINESS DOCUMENTATION GENERATION

JABIL INC., St. Petersbu...

1. A system capable of providing customized subset business processes accessible from within a standard business process flow system, comprising:a process interface for continuous receiving of the standard business process flow;
a computing memory comprising non-transient computing code which, when executed by at least one computing processor communicatively associated with the computing memory, provides at least:
a developmental graphical user interface capable of developing a plurality of object-oriented custom modules of the subset processes indicative of a plurality of custom business steps within the standard business process flow;
a plurality of data libraries, wherein at least one of the plurality of data libraries is at least semi-private and at least one is semi-public, capable of storing at least configurations and rules applicable to the plurality of object-oriented custom modules;
a run time graphical user interface capable of receiving a selecting, via a drag and drop interface, of multiple ones of the plurality of object-oriented custom modules for inclusion in a custom process stack;
a selectable trigger sensor capable of receiving a trigger indicated by one of the configurations at the process interface, and capable of diverting the standard business process flow to process the custom process stack related to the trigger according to the configurations and rules upon receipt of the trigger;
a return interface that returns an output of the custom process stack to the standard business process flow; and
a runtime graphical user interface capable of illustrating at least the trigger and the diversion.

US Pat. No. 10,430,741

TASK ALLOCATION

Palantir Technologies Inc...

1. A computer-implemented method of assigning a task to a resource in a multiple resource environment, the method being performed by one or more processors or special-purpose computing hardware, the method comprising:receiving task information relating to at least one task to be performed by a resource in the multiple resource environment;
determining a cost score for each task of the at least one task, the cost score indicating a cost incurred if a maintenance event occurs during performance of the respective task during a specified interval;
generating a machine learning model based on data associated with the multiple resources in the multiple resource environment, the data comprising any of sensor data, maintenance logs, or fault logs;
receiving predictive maintenance information output from the machine learning model in relation to each of the multiple resources in the multiple resource environment, the predictive maintenance information indicating a likelihood of a maintenance event within the specified interval with respect to each of the multiple resources in the multiple resource environment; and
allocating, for at least a portion of the specified interval, the at least one task to one of the resources in the multiple resource environment dependent on the predictive maintenance information of the multiple resources and the determined cost score, wherein if the at least one task has a high determined cost score relative to a first threshold, the at least one task is allocated to a particular resource of the multiple resource environment indicating a low likelihood of a maintenance event relative to a second threshold, and wherein if the at least one task has a low determined cost score relative to the first threshold, the at least one task is allocated to a different resource of the multiple resource environment indicating a high likelihood of a maintenance event relative to the second threshold.

US Pat. No. 10,430,740

DATA PROCESSING SYSTEMS FOR CALCULATING AND COMMUNICATING COST OF FULFILLING DATA SUBJECT ACCESS REQUESTS AND RELATED METHODS

One Trust, LLC, Atlanta,...

1. A computer-implemented data processing method for responding to a data subject access request, the method comprising:receiving, from a requestor on a remote computing device, a data subject access request that is a request for a particular organization to perform one or more actions with regard to one or more pieces of personal data the particular organization has obtained on the requestor, wherein the data subject access request comprises one or more request parameters;
assigning the data subject access request to at least one privacy team member;
identifying one or more information technology (IT) teams required to fulfill the data subject access request based at least in part on the one or more request parameters;
fulfilling the data subject access request by:
delegating one or more subtasks of the data subject access request to each of the one or more IT teams;
accessing a plurality of data models that comprise a respective data inventory for each of a plurality of data storage locations and map one or more relationships between one or more aspects of the data inventory and one or more data storage locations of the plurality of data storage locations;
identifying, based at least in part on one or more data model of the plurality of data models, one or more storage locations of the plurality of data storage locations that comprise each of the one or more pieces of personal data the particular organization has obtained on the requestor; and
retrieving each of the one or more pieces of personal data the particular organization has obtained on the requestor from the one or more storage locations of the plurality of data storage locations;
receiving one or more time logs from each individual involved in processing and fulfillment of the data subject access request, the one or more time logs comprising at least one time log from each of the one or more IT teams;
calculating a respective effective charge rate for each individual;
calculating an effective cost of fulfilling the data subject access request based at least in part on the one or more time logs and the effective charge rate;
applying an adjustment to the calculated effective cost that accounts for one or more external factors in order to calculate a total cost of fulfilling the data subject access request; and
digitally storing the total cost in computer memory.

US Pat. No. 10,430,739

AUTOMATIC SOLUTION TO A SCHEDULING PROBLEM

International Business Ma...

1. A method comprising:obtaining a scheduling problem comprising: a set of agents and a set of tasks to be performed by the set of agents, wherein solving the scheduling problem using an automated solver is not feasible using available predetermined resources, and wherein the scheduling problem is defined in a planning domain description language;
automatically generating a plurality of alternative scheduling problems, wherein each alternate scheduling problem is created by providing additional restrictions to the scheduling problem, wherein a solution to each such alternative scheduling problem defines a solution to the scheduling problem, and wherein the additional restrictions comprise requiring a subset of the set of tasks to be performed by a same agent within the set of agents and restricting a subset of the set of agents that are capable of performing a task in the set of tasks to a smaller subset;
determining a solution to the scheduling problem by applying the automated solver to solve, while using the available predetermined resources, an alternative problem of the plurality of alternative scheduling problems to determine a solution to the alternative problem and by mapping the solution to the alternative problem to the scheduling problem, wherein the available predetermined resources comprise predetermined computation power and predetermined computation time, and the automated solver is a mixed-integer linear programming (MILP) solver; and
sending alerts to the set of agents based on the solution to the scheduling problem.

US Pat. No. 10,430,738

REAL-TIME LOGISTICS SITUATIONAL AWARENESS AND COMMAND IN A VIRTUAL REALITY ENVIRONMENT

Route4Me, Inc., Fort Lee...

1. A data processing system, comprising:a processor; and
a memory coupled to the processor, the memory storing instructions which when executed by the processor causes the processor to perform a method, comprising:
receiving at least one of a route data, an asset data and a user data;
generating a virtual reality environment based on the at least one of a route data, an asset data and a user data;
displaying the virtual environment comprising the at least one of a route data, an asset data and a user data;
permitting a user to interact with the virtual reality environment, and
wherein the virtual reality environment is organized by route density data.

US Pat. No. 10,430,737

RESTROOM CONVENIENCE CENTER

SLOAN VALVE COMPANY, Fra...

1. A method for detecting a state of a restroom comprising:detecting at least one fixture sensor input from at least one restroom fixture sensor associated with at least one sensorized restroom fixture in the restroom;
detecting a patron count input from a patron sensor in the restroom;
detecting an air quality input from an air quality sensor in the restroom;
determining a state of the restroom based upon the at least one fixture sensor input, the patron count input, and the air quality input;
providing an indication of the state of the restroom;
estimating consumable usage levels for a plurality of consumables wherein the estimating of consumable usage levels comprises, for each of the plurality of consumables, applying a first consumable correlation factor to the at least one fixture sensor input, applying a second consumable correlation factor to the patron count input, and applying a third consumable correlation factor to the air quality input; and
providing an indication for replenishment for any of the plurality of consumables where the estimated consumable usage level has exceeded a threshold for replenishment.

US Pat. No. 10,430,735

DESIGNER TOOL FOR MANAGING CLOUD COMPUTING SERVICES

Microsoft Technology Lice...

1. A method of facilitating creation and execution of a cloud computing application to be executed by a server in a distributed computing system, the method comprising:receiving, via a computer network, user input of first and second workflow items of the cloud computing application in sequence, the first workflow item being a trigger for monitoring a network event while the second workflow item being a condition related to the monitored network event, the trigger causing a test to be performed to determine the presence of the condition in the monitored network event, the test resulting in a conditional output, wherein the first and second workflow items individually are related to one or more cloud computing services;
determining whether a data dependency exists between the first and second workflow items based on the received user input, a data dependency exists when execution of the second workflow item consumes or depends on certain data of execution results of the first workflow item, or vice versa;
in response to determining that a data dependency exists, configuring an execution sequence between the first and second workflow items in accordance with the determined data dependency;
in response to determining that a data dependency does not exist between the first and second workflow items, configuring another execution sequence according to which the first and second workflow items are executed independently at the server;
translating the first and second workflow items with the configured execution sequence or the another execution sequence into programming codes; and
executing the programming codes at the server in the distributed computing system in order to provide the one or more cloud computing services to the user via the computer network.

US Pat. No. 10,430,734

MANAGING OPERATION DURING ABSENCE IN WIRELESS NETWORK

Nokia Technologies Oy, E...

6. A method comprising:determining, in a first apparatus, at least one allowable power management mode at least a second apparatus is allowed to use, wherein the at least one allowable power management mode comprises at least one of the following power management modes of a wireless local area network: an active mode, a power-save mode, and a power-save mode according to unscheduled automatic power-save delivery mechanism;
causing, by the first apparatus to the second apparatus, transmission of a first frame indicating the at least one allowable power management mode;
causing, by the first apparatus, transmission of an indication of an absence period during which it is not possible to transfer frames with the first apparatus, wherein the indication is provided in the first frame,
wherein the first frame configures at least the second apparatus to be ready to communicate with the first apparatus at the end of the absence period in a case where the at least one allowable power management mode indicates a first power management mode.

US Pat. No. 10,430,733

ANALYSIS METHOD FOR TIME SERIES DATA AND DEVICE THEREFOR

Hitachi, Ltd., Tokyo (JP...

1. An analysis device for time series data of an apparatus to be diagnosed, comprising:a plurality of sensors arranged in the apparatus to sense changes in structural components of the apparatus during use of the apparatus;
an accumulation device for accumulating sensor data corresponding to the changes in the structural components of the apparatus, operation data corresponding to the changes in the structural components of the apparatus, and control data corresponding to the changes in the structural components of the apparatus obtained from the apparatus together with time information;
an algorithm accumulation unit for accumulating a plurality of behavior recognition algorithms for recognizing a behavior of the apparatus based on the changes in the structural components of the apparatus sensed by the plurality of sensors;
a specification unit through which a user inputs a behavioral item including loading a mechanical device, unloading the mechanical device, or moving the mechanical device; and
a behavior recognition unit for selecting a behavior recognition algorithm from the plurality of behavior recognition algorithms corresponding to only the behavioral item inputted by the user, and selecting at least one of the sensor data, the operation data, and the control data corresponding to the changes in the structural components of the apparatus for use in the behavior recognition algorithm based on the behavioral item inputted by the user;
wherein, in accordance with the behavioral item inputted by the user,
start and end times of the behavior are recognized by the behavior recognition unit from the at least one of the sensor data, the operation data, and the control data corresponding to the changes in the structural components of the apparatus, and
the start and end times are associated with the time information accumulated in the accumulation device together with the sensor data, the operation data, and the control data obtained from the apparatus; and
a display device configured to display the at least one of the sensor data, the operation data, and the control data obtained from the apparatus and content of only the behavior recognized by the behavior recognition unit together with the time information;
wherein the at least one of the sensor data, the operation data, and the control data obtained from the apparatus and content of the recognized behavior in a section in which a specific behavior is performed are extracted together with the time information and are arranged and displayed in a three-dimensional space, in which an x-axis indicates an elapsed time from the start time of the behavior, a y-axis indicates a sensor value, and a z-axis indicates a time at which the sensor value is measured.

US Pat. No. 10,430,732

PROJECT MANAGEMENT TASK UPDATER

ORACLE INTERNATIONAL CORP...

1. A non-transitory computer readable medium having instructions stored thereon that, when executed by a processor, cause the processor to update a project management system, the updating comprising:storing project management data for a plurality of projects in a database coupled to a server coupled to a network;
receiving, at the server, a request for a list of assigned tasks to a user, from a user computer coupled to the network, the request comprising a first email from an email address of the user, a subject line of the first email including an assigned task status, a time period and a time period value, the assigned task status indicating whether a task assigned to the user is active, due, overdue, completed, or starting, and the time period indicating whether the time period value precedes the date of the email for an active, overdue, or completed assigned task status, or succeeds the date of the email for an active, due, or starting assigned task status;
in response to the request,
applying a filter to the database to determine the list of assigned tasks to the user based on the assigned task status, the time period and the time period value, each task in the list of assigned tasks being associated with a project,
creating a second email including the list of assigned tasks to the user, a body of the second email including at least one project section, each project section including a project name and at least one task from the list of assigned tasks, each task including at least one of a start date value, a finish date value, a finished status value or an activity percent completed value, and
sending, from the server to the user email address, the second email;
receiving, at the server, a third email from the user email address, a body of the third email including at least one updated project section including at least one updated task, each updated task including at least one updated start date value, finish date value, finished status value or activity percent completed value;
parsing the third email body to retrieve the updated values in each updated task in each updated project section;
applying the updated values from each updated task to each associated project stored in the database;
creating an acknowledgement email based on the updated values applied to each associated project stored in the database, a body of the acknowledgement email including at least one updated project section, each updated project section including the project name and at least one updated task, each updated task including at least one updated start date value, finish date value, finished status value or activity percent completed value; and
sending, from the server to the user email address, the acknowledgement email.

US Pat. No. 10,430,731

METHOD FOR PROVIDING CONFIGURATION INFORMATION FOR A SYSTEM COMPRISING A PLURALITY OF MOVING OBJECTS

NEC CORPORATION, Tokyo (...

1. A method for optimizing configuration information for a system comprising a plurality of vehicles, each vehicle moving in time and passing one or more stations in succession, the method to be performed in memory available to one or more processors, the method comprising: assigning, for each vehicle, a first number of degrees of freedom (DOF); presetting one or more system parameters (SP) representing a performance of at least part of the system; successively optimizing each respective vehicle at each station by selecting a DOF for each vehicle from a second number of DOF for the respective vehicle, wherein the second number of DOF is smaller than the first number of DOF, and computing a global system parameters; assigning each vehicle of each station a DOF resulting from a first system configuration (SC); evaluating the global system parameters for the first SC; identifying one or more stations having a negative impact, (NIS) on the global system parameters on the first SC; and successively optimizing, for the one or more NIS, each vehicle locally at each respective NIS with regard to the SP with a number of DOF greater than said second number of DOF and such that the SP for the first SC does not deteriorate.

US Pat. No. 10,430,730

DETERMINING DESCRIPTIVE ATTRIBUTES FOR LISTING LOCATIONS

Airbnb, Inc., San Franci...

1. A method comprising:retrieving listings and reviews of the listings, each listing associated with one of a plurality of locations;
extracting one or more words from text of each listing and each review to generate an initial list of words;
generating a corpus of words from the initial list of words by filtering a subset of words from the initial list of words;
maintaining, for each location of the plurality of locations, a co-occurrence matrix storing frequencies of co-occurrences of pairs of words appearing in the listings and reviews associated with the location, each frequency of co-occurrences of a pair of words describing a likelihood that the pair of words describe a same attribute;
for each of the words in the corpus:
computing an expected frequency for a word to appear in the corpus by computing a ratio of a number of times the word appears in the corpus to a total number of words in the corpus, wherein, in response to a second word in the corpus having at least a threshold level of similarity to the word based on the co-occurrence matrices, a number of times the second word appears in the corpus counts toward the number of times the word appears in the corpus,
determining, for each location in which the word appears in at least one of a listing or a review, a per-location frequency for the word, the per-location frequency for the word indicating a number of times the word appears in the listings and reviews for the location,
determining a number of high frequency listing locations for the word, the high frequency listing locations comprising locations where the per-location frequency of the word is at least a first multiple greater than the expected frequency,
determining a number of below expected frequency listing locations for the word, the below expected frequency listing locations comprising locations where the per-location frequency of the word is at most a second multiple smaller than the expected frequency, and
determining a descriptiveness metric for the word by calculating a ratio of the number of high frequency listings locations for the word to the number of below expected frequency listings locations for the word;
identifying, as attributes, words in the corpus of words having a descriptiveness metric within a threshold range of an attribute reference number, the descriptiveness metric measuring the uniqueness of a word to a location; and
selecting, for a particular location of the plurality of locations, an attribute of the identified attributes based on a frequency of the attribute in listings and reviews of the listings associated with the particular location, wherein the selected attribute represents a characteristic of the particular location.

US Pat. No. 10,430,729

SYSTEM AND METHOD FOR SPECIFYING AND PROCESSING LEGALITY EXPRESSIONS

CONTENTGUARD HOLDINGS, IN...

1. A computer-implemented method executed by one or more computing devices for updating a legality expression for use in a system for processing the legality expression, the method comprising:selecting, by at least one of the one or more computing devices, a digital data element of a legality expression, the digital data element being from a legality expression language, the digital data element including at least one of,
a duty element specifying an obligation that a principal must perform an act, and
a claim element specifying an assertion that a principal does perform an act;
selecting at least one of an updated obligation or assertion for the data element;
determining, by at least one of the one or more computing devices, at least one attribute value for the updated obligation or assertion;
transforming, by at least one of the one or more computing devices, the digital data element to include the updated attribute value to thereby update the legality expression; and
recording, by at least one of the one or more computing devices, the updated legality expression in a form that can be enforced by a computing device.

US Pat. No. 10,430,728

SYSTEMS AND METHODS FOR APPLYING SECONDARY INFORMATION TO BUSINESS ADDRESSES

UNITED STATES POSTAL SERV...

1. A computer-implemented method comprising:receiving, using at least one processor, a name of a business and primary address information associated with the business, the business name comprising two or more words;
parsing, using the at least one processor, the business name into individual words;
creating, using the at least one processor, a first code word representative of a combination of the business name and a default extended delivery code assigned to the primary address information, the first code word created by computing a first hash value using a secure hash algorithm;
for each of the individual words, creating, using the at least one processor, a second code representative of the each of the individual words and the default extended delivery code, the second code word created by computing a second hash value using the secure hash algorithm;
requesting, using the at least one processor, access to a data table;
after receiving access to the data table, searching, using the at least one processor, the data table using the first code word, at least a portion of the data table comprising candidate secondary address information;
after determining that the first code word fails to match the stored data, automatically identifying, using the at least one processor, a plurality of elements of the candidate secondary address information that match corresponding ones of the second code words;
automatically determining, using the at least one processor, that a number of matches between a first element of the elements and the second code words meets or exceeds a threshold number;
automatically determining, using the at least one processor, secondary address information for the business name from the stored data, based on the first element;
based on the stored data, automatically identifying, using the at least one processor, an extended delivery code that corresponds to a combination of the primary and secondary address information; and
updating, using the at least one processor, address information associated with the business stored in a memory device, based on the identified secondary address.

US Pat. No. 10,430,727

SYSTEMS AND METHODS FOR PRIVACY-PRESERVING GENERATION OF MODELS FOR ESTIMATING CONSUMER BEHAVIOR

NFL Enterprises LLC, New...

1. A computer-implemented method for training a model to estimate an unknown consumer behavior, comprising the steps of:calculating, by a first computing system, a vector representing a consumer's behavior by applying one or more vectorization rules to a set of behavioral attribute values for the consumer in a data set of a first organization;
transforming the vector, by the first computing system, into an estimated unknown consumer behavioral attribute value by applying a trained model, wherein the model was trained by:
providing, to a second computing system separate from the first computing system:
a first training data set of the first organization for a plurality of consumers, wherein the training data set comprises, for each consumer, identification information, and a set of behavioral attribute values, and
a second training data set of a second organization for a plurality of consumers, wherein the second training data set comprises, for each consumer, identification information, and actual behavioral attribute values for the unknown behavioral data attribute,
combining, by the second computing system, the first training data set and the second training data set into a joined data set by joining the one or more behavioral data attribute values of the first data set and the actual behavior attribute values for the unknown behavioral attribute of the second data set, for each consumer, where the common identifying information of the first data set and the common identifying information of the second set correspond,
calculating, by the second computing system, a vectorized training data set by applying the one or more vectorization rules to vectorize the set of behavioral attribute values for each consumer in the joined data set into a set of training vectors,
accepting, by the second computing system, a trainable model definition from an external source, wherein a trainable model defined by the trainable model definition accepts a training vector as input, and produces an estimated unknown behavioral data attribute as an output,
creating in one or more memories of the second computing system the defined trainable model, and
training, by the second computing system, the defined trainable model on the training vectors corresponding to a first subset of consumers in the joined data set to produce the trained model.

US Pat. No. 10,430,726

MACHINE LEARNING DEVICE THAT LEARNS SHOCKS TO TEACHING DEVICE, SHOCK PREVENTION SYSTEM OF TEACHING DEVICE, AND MACHINE LEARNING METHOD

FANUC CORPORATION, Yaman...

1. A machine learning device, which learns shocks to a teaching device, comprising:a state observation unit which observes data based on an inclination of the teaching device or a present position of the teaching device;
a label obtaining unit which obtains a label based on a shock received by the teaching device; and
a learning unit which generates a learning model based on an output of the state observation unit and an output of the label obtaining unit.

US Pat. No. 10,430,725

PETROLEUM ANALYTICS LEARNING MACHINE SYSTEM WITH MACHINE LEARNING ANALYTICS APPLICATIONS FOR UPSTREAM AND MIDSTREAM OIL AND GAS INDUSTRY

AKW ANALYTICS INC., New ...

1. A method for optimizing exploration, production and gathering from at least one well of oil and natural gas fields using a petroleum analytics learning machine system to maximize production while minimizing costs, comprising the steps of:collecting structured digital data and unstructured textual data from geological, geophysical, reservoir modeling, drilling, completion and production of crude oil, natural gas, ethane, butane, propane and condensate;
receiving an incoming data over a communications network and storing the incoming data into a system integration database by a processor based server or cloud based distribution of servers to provide collected data, the incoming data comprises digital exogenous data, real-time and historical endogenous data, historical data from surrounding production wells, hydraulic fracture completion data, and progress, status and maintenance data from new vertical and horizontal wells, including kickoffs, sidetracks, step-outs, pipeline gathering systems, compressor stations, and oil and gas sensor data including from public and private data sources;
recording a time and depth for each data point of the collected data;
cleaning the collected data to eliminate extraneous and noisy data;
normalizing and storing the clean collected data;
processing the normalized data to determine clusters of correlation in multi-dimensional space to identify a machine learned ranking of importance weights for each attribute;
ranking said importance weights, and identifying patterns to enhance production of said at least one well of oil and natural gas fields;
performing predictive and prescriptive optimization on the normalized data utilizing unique combinations of machine learning and statistical algorithm ensembles, including at least two of the following: linear and non-linear support vector machines and regressions, decision trees, hidden Markov models, random forests, neural networks, deep learning networks, bagging, boosting, feature selection, clustering, approximate and dynamic programming;
classifying unstructured textual data to correlate with optimal production by utilizing progressive clustering with learned seeds, information extraction and retrieval, image recognition, textual mining, keyword and key phrase extraction, semantic and sentiment analysis, entity and pattern recognition and knowledge discovery processing to capture the dynamics of said at least one or more wells of oil and natural gas fields and provide categorization results from labeled data sets to identify patterns;
displaying data and analyses, transmitting recommendations, and receiving actual field actions and reactions on a graphical user interface on a network-enabled processing device over the communications network, the recommendations being based on the collected data of one or more wells, or one or more predicted conditions, communications with the one or more of the field systems is autonomous and personalized to steer disparate data simultaneously to operators working on vertical and horizontal wells, hydraulic fractures, or other field operations that are needed to improve future production from of a well in response to one or more trends, said one or more predicted conditions, or recommendations displayed on the graphical user interface connected to the petroleum analytics learning machine system; and
wherein the petroleum analytics learning machine system utilizes:
an exploration and production synthesizer of available data from wells in an area or play, in order to score and rank the combined importance weights of attributes to predict maximum production at minimum costs when convolved with specific attributes of each well;
a real-time synthesizer to optimize drilling to match a designed pathway of a drilled well including hitting one or more target landing zones, while minimizing sinuosity and missed targeting of horizontal, diagonal and vertical components of the drilled wells;
a real-time processor to:
convolve importance weight values of attributes received by the petroleum analytics learning machine system from historical data and attribute data from each new well as it progresses in real time to predict future production of said each new well before oil and gas are delivered to the surface; and
to utilize time-series attributes during each hydraulic fracturing stage to automatically classify production effectiveness of said each hydraulic fracturing stage and provide recommendations to maximize future production of said each new well; and
wherein the recommendations are directed autonomously to optimize the production of oil, natural gas, and natural gas liquids while minimizing water production over time.

US Pat. No. 10,430,724

ECONOMIC OPTIMIZATION FOR PRODUCT SEARCH RELEVANCY

PAYPAL, INC., San Jose, ...

1. A method comprising:tracking, by a computer system comprising one or more computer processors, traffic exchange between users and a web site and capturing exchange data, the exchange data comprising at least data related to content requests from the users;
accessing, by the computer system, an artificial intelligence (AI) library that includes one or more AI algorithms;
creating, by the computer system, via one or more of the AI algorithms in the AI library and based on the captured exchange data and a measure of success derived therefrom, decisional logic for selecting a set of traffic optimizer modules for optimizing a web page generated in response to each of the content requests, the selected set of traffic optimizer modules comprising one or more traffic optimizer modules from a plurality of traffic optimizer modules associated with a plurality of respective aspects of the web page; and
processing, by the computer system, the content requests by creating optimized web pages responsive to the content requests, wherein the processing, by the computer system, of a content request comprises:
retrieving content responsive to the content request from a content database,
selecting, via execution of the decisional logic, the set of traffic optimizer modules, wherein selecting, via execution of the decisional logic, the set of traffic optimizer modules comprises:
generating a page optimization instruction set; and
optimizing, via execution of the selected set of traffic optimizer modules, presentation of the retrieved content, wherein optimizing, via execution of the selected set of traffic optimizer modules comprises assembling, via execution of the page optimization instruction set, the optimized retrieved content; and
presenting the optimized retrieved content in the form of an optimized web page.

US Pat. No. 10,430,723

STORAGE SYSTEM WITH MACHINE LEARNING BASED SKEW PREDICTION

EMC IP Holding Company LL...

1. An apparatus comprising:a plurality of storage tiers each comprising a plurality of storage drives;
at least one data mover module coupled to the storage tiers and configured to control transfer of data between the storage tiers; and
a skew predictor configured in accordance with a predictive model to convert skew measurements obtained for a given period of time less than a desired time granularity to corresponding skew measurements in the desired time granularity;
wherein one or more of the converted skew measurements are utilized by the at least one data mover module in controlling transfer of data between the storage tiers; and
wherein the at least one data mover module and the machine learning system are implemented using at least one processing device comprising a processor coupled to a memory.

US Pat. No. 10,430,722

LEARNING PARAMETERS IN A FEED FORWARD PROBABILISTIC GRAPHICAL MODEL

INTERNATIONAL BUSINESS MA...

1. A method comprising:creating an inference model via a computer processor, the creating comprising:
receiving a training set that includes multiple scenarios, each scenario comprising one or more natural language statements, and each scenario corresponding to a plurality of candidate answers;
constructing evidence graphs for each of the multiple scenarios based on the training set, wherein constructing the evidence graphs comprises for each scenario:
extracting factors from the scenario; and
generating intermediate nodes based on the extracted factors,
wherein the factors are root nodes in the evidence graphs and the candidate answers are terminal nodes in the evidence graphs; and
calculating weights for common features across the evidence graphs that will maximize a probability of the inference model locating correct answers from corresponding candidate answers across all of the multiple scenarios, wherein calculating the weights comprises assigning a highest weight to a factor having a largest number of unique terms relative to a selected domain; and
in response to an inquiry from a user via the computer processor, the inquiry comprising a scenario, constructing, using the inference model, an evidence graph and recursively constructing formulas to express a confidence of each node in the evidence graph in terms of corresponding parents in the evidence graph.

US Pat. No. 10,430,721

CLASSIFYING USER BEHAVIOR AS ANOMALOUS

Pivotal Software, Inc., ...

1. A computer-implemented method comprising:obtaining user behavior data representing behavior of a user in a subject system, wherein the user behavior data indicates one or more resources accessed by the user in the subject system and, for each resource accessed by the user, when the resource was accessed;
generating test data from the user behavior data, the test data comprising a first representation of resources accessed by the user during a test time period;
generating training data from the user behavior data, the training data comprising respective second representations of resources accessed by the user in each of multiple time periods prior to the test time period;
generating an initial path graph from the training data, wherein the initial path graph comprises nodes that represent resources accessed by the user in the subject system during one or more time periods represented by the training data, and links between one or more pairs of nodes, wherein each link between each pair of nodes represents that the user accessed a first resource represented by a first node of the pair and then navigated to a second resource represented by a second node of the pair;
generating a test path graph from the test data representing how the user navigated to a plurality of resources, wherein the test path graph comprises nodes that represent resources accessed by the user in the subject system during the test time period, and links between one or more pairs of nodes, wherein each link between each pair of nodes represents that the user accessed a first resource represented by a first node of the pair and then navigated to a second resource represented by a second node of the pair;
computing a difference between the initial path graph and the test path graph; and
classifying the user behavior by the user in the test time period as anomalous based on the difference between the initial path graph and the test path graph.

US Pat. No. 10,430,720

MOVEABLE STORAGE

Comcast Cable Communicati...

1. An apparatus comprising:one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the apparatus to:
determine an anticipated location change of a user from a first geographical location to a second geographical location; and
after determining the anticipated location change, based on an indication that the user will access data associated with the user during the anticipated location change, and before the user changes location from the first geographical location to the second geographical location, move the data associated with the user from a storage device associated with the first geographical location to a mobile device associated with the user.

US Pat. No. 10,430,719

PROCESS CONTROL TECHNIQUES FOR SEMICONDUCTOR MANUFACTURING PROCESSES

STREAM MOSAIC, INC., San...

13. A method useful in a multi-step semiconductor process, comprising:receiving sensor data from a plurality of pieces of production equipment during prior production runs of the semiconductor process;
receiving metrology measurements from a plurality of sampled wafers of the prior production runs;
determining a multi-variate relationship between the sensor data, the metrology measurements, and a targeted process parameter for one step of the multi-step semiconductor process; and
predicting metrology measurements for subsequent production runs based on the multi-variate relationship.

US Pat. No. 10,430,718

AUTOMATIC SOCIAL MEDIA CONTENT TIMELINE SUMMARIZATION METHOD AND APPARATUS

OATH INC., New York, NY ...

1. A method comprising:receiving, at a computing device, a request from a social media service user for information about an entity;
identifying, via the computing device, a plurality of social media content items, the social media content item identification comprising searching a number of social media content item data stores for the plurality of social media content items containing information about the entity;
determining, via the computing device and using each social media content item of the plurality, a timeline of episodes, the determined timeline of episodes comprising a number of episodes, the determination of the timeline of episodes comprising using a combined modeling, determined using statistical machine modeling, of content of the plurality of social media content items in combination with temporal information of the plurality of social media content items, the determination of the timeline of episodes further comprising using the combined modeling in assigning a number of social media content items of the plurality of social media content items to each episode of the number of episodes in the timeline of episodes;
determining, via the computing device and for an episode in the timeline of episodes, a ranking of the number of social media content items assigned to the episode, the rank determination comprising determining a set of features for each social media content item of the number of social media content items and using statistical machine modeling to rank the social media content items of the number of social media content items assigned to the episode in the timeline of episodes;
automatically selecting, via the computing device and for the episode, a predetermined number of top-ranked social media content items from the number of social media content items assigned to the episode; and
automatically creating, via the computing device, a summarization of the timeline of episodes, the summarization of the timeline of episodes comprising a number of entries corresponding to the number of episodes in the timeline of episodes, an entry corresponding to an episode of the number of episodes comprising the content of the predetermined number of top-ranked social media content items automatically selected from the number of social media content items assigned to the episode of the number of episodes.

US Pat. No. 10,430,717

COMPLEX PREDICATE TEMPLATE COLLECTING APPARATUS AND COMPUTER PROGRAM THEREFOR

National Institute of Inf...

1. A complex predicate template collecting apparatus, comprising:simple predicate template storage comprising a non-transitory computer readable medium for storing simple predicate templates, wherein:
each simple predicate template does not include a noun and does include:
a combination of a particle and a predicate; and
a positive or a negative polarity;
a word dictionary storing information for specifying a word;
a processor configured to:
extract a complex predicate template candidate from a first corpus including a plurality of natural language sentences, wherein:
the complex predicate template candidate is formed of a combination of a noun specified by said word dictionary and a simple predicate template stored by said simple predicate template storage;
determine, for each extracted complex predicate template candidate, a polarity of its noun; and
calculate, for each of said complex predicate template candidates, a polarity of the complex predicate template as a whole from a combination of:
the determined polarity of the noun included in the complex predicate template candidate, and
the polarity of the simple predicate template included in the complex predicate template candidate,
adding the calculated polarity to the complex predicate template candidate; and
outputting the complex predicate template candidate as a complex predicate template.

US Pat. No. 10,430,716

DATA DRIVEN FEATURIZATION AND MODELING

GROUND ROUNDS, INC., San...

1. An electronic device for producing predictive models comprising:a data storage configured to store one or more data sets associated with a target event, wherein the target event is associated with a healthcare condition;
a data input engine configured to obtain the one or more data sets associated with the target event from one or more data sources, wherein at least one of the one or more data sources is associated with healthcare information;
a featurization engine comprising:
an annotator configured to annotate the one or more data sets, wherein the annotations include an identification of the target event, an identification of records of the one or more data sets that are associated with the target event, and an establishment of one or more limits on the one or more data sets based on established criteria;
a data censor configured to censor the one or more data sets based on the annotations, wherein censoring the data includes filtering from the one or more data sets records that do not meet the established criteria; and
a summarizer configured to determine one or more features of the censored data, wherein the one or more features are representative of data in the one or more data sets and wherein at least one of the one or more features is based on a domain of the target event;
an analysis engine configured to:
analyze the one or more features, wherein the analysis identifies a subset of the one or more features that are indicative of the target event; and
produce a predictive model based on the analysis, wherein the predictive model provides an indication of a future occurrence of the target event based on data associated with a person.

US Pat. No. 10,430,715

PREDICTIVE MODELING SYSTEM FOR A MULTI-USER CAX ENVIRONMENT

United Technologies Corpo...

1. A system for facilitating multi-user computer aided design comprising:a plurality of locally stored multi-user design (CAx) environments; and
a hardware server including a server side CAx environment, wherein the hardware server is communicatively coupled to each of said locally stored CAx environments, the server side CAx environment including a plurality of model editing commands, and further including a predictive modeling module operable to receive an incomplete model editing command from a first user, and predict a complete model editing command including one or more predicted omitted parameters based on the incomplete model editing command, wherein the incomplete model editing command is within the plurality of model editing commands;
wherein said server side CAx environment includes a set of default parameters corresponding to each possible model editing command; and
altering a collaborative part file in the server side CAx environment according to a predicted resultant action based on the predicted complete model editing command;
modifying the predicted omitted parameters in response to a received actual parameter thereby determining a new predicted resultant action and altering the collaborative part file in the server side Cax environment according to the new predicted resultant action;
reiterating the step of modifying the predicted omitted parameters in response to a received actual parameter thereby determining a new predicted resultant action and altering the collaborative part file in the server side CAx environment according, to the new predicted resultant action until all omitted parameters have been replaced with actual parameters; and
propagating a visual representation of the resultant collaborative file to each of a plurality of locally stored user Cax environments.

US Pat. No. 10,430,714

AUTOMATIC SUGGESTION OF EXPERTS FOR ELECTRONIC DISCUSSIONS

International Business Ma...

1. A computer-implemented method, comprising:analyzing a text portion of a discussion thread generated during an electronic discussion in a social software system between a first participant and a second participant;
extracting a topic from the text portion;
determining, for the topic, a set of experts associated with the social software system, the set of experts having a level of expertise in the topic;
generating a list of experts from the set of experts, each expert on the list of experts being socially connected via the social software system with at least one of the first participant and the second participant;
determining a set of social closeness scores of each expert in the list of experts with respect to the first participant and with respect to the second participant;
arranging the list of experts as a ranked list by ranking the experts according to a summarized score that combines the set of social closeness scores with a degree of experience of each corresponding expert of the list of experts;
presenting the ranked list to the first and second participants during the electronic discussion, the experts on the ranked list being selectable by the first and second participants and
responsive to selection of an expert from the ranked list, sending an invitation to the expert inviting the expert to join the electronic discussion.

US Pat. No. 10,430,713

PREDICTING AND ENHANCING DOCUMENT INGESTION TIME

International Business Ma...

1. A method, in a data processing system, for predicting and enhancing ingestion time for a set of input documents, the method comprising:receiving a set of documents to be added to a corpus of documents;
recording document characteristics of each document within the set of documents using a characteristic recording annotator executing within the data processing system;
predicting an ingestion time for each document within the set of documents based on the document characteristics and a machine learning model, wherein the ingestion time is a predicted time to ingest each given document by a plurality of annotators executing within the computing device;
determining, for a given document, a document characteristic, wherein the document characteristic corresponds to a corresponding annotator used to process the document characteristic during ingestion; and
assigning the set of documents to question answering system resources to be processed based on the predicted ingestion time for each document, wherein assigning the set of documents to the question answering system resources comprises disabling or delaying execution of the corresponding annotator during ingestion of the given document.

US Pat. No. 10,430,709

DATA MINING TECHNIQUE WITH DISTRIBUTED NOVELTY SEARCH

Cognizant Technology Solu...

1. An arrangement of processing units, for use with a data mining training database containing training data, comprising:a first processing unit having a first processor and a first memory, the first memory storing a first local pool of candidate individuals, each of the candidate individuals in the first local pool identifying at least one classification rule and further identifying a respective fitness estimate centric to the first processing unit; and
a second processing unit disposed down-chain of the first processing unit, the second processing unit having a second processor and a second memory, the second memory storing a second local pool of candidate individuals, each of the candidate individuals in the second local pool identifying at least one classification rule and further identifying a respective fitness estimate centric to the second processing unit,
wherein the first processor is configured to:
store in the first memory individuals for evaluation against portions of the training data,
delegate, to the second processing unit, evaluation of individuals from the first local pool of candidate individuals,
update the fitness estimates, centric to the first processing unit, for selected ones of individuals received back from the second processing unit after testing, in dependence upon results of such testing, and
select individuals for discarding from the first local pool, in dependence upon their fitness estimates relative to the fitness estimates of the other individuals within the first local pool,
and wherein the second processor is configured to:
store in the second local pool of candidate individuals, individuals received by the second processing unit from the first processing unit for evaluation,
test individuals from the second local pool of candidate individuals against a portion of the training data, wherein testing individuals from the second local pool of candidate individuals against a portion of the training data, includes recording, for each individual tested, an identification of the behavior of the individual when tested against the portion of the training data,
and wherein selecting individuals for discarding from the second local pool in dependence upon their novelty relative to other individuals in the second local pool comprises iteratively:
identifying, among the individuals in at least a non-null subset of the individuals in the second local pool, the pair whose recorded behavior is most similar; and
selecting one individual of the identified pair for discarding,
update the fitness estimates, centric to the second processing unit, for selected ones of individuals tested, in dependence upon the results of such testing,
select individuals for discarding from the second local pool, in dependence upon their novelty relative to other individuals in the second local pool, and
report to the first processing unit, individuals from the second local pool and not selected for discarding, in conjunction with the individuals' fitness estimates, centric to the second processing unit.

US Pat. No. 10,430,708

SYSTEM AND METHOD FOR NOISE-BASED TRAINING OF A PREDICTION MODEL

AIVITAE LLC, Redwood Cit...

1. A method for training a neural network, the method being implemented by one or more processors configured to execute one or more computer program instructions, the method comprising:obtaining randomly generated noise data,
obtaining common noise data;
generating a first noise image based on the randomly generated noise data and the common noise data by incorporating the common noise data as a foreground object at a first location over the randomly generated noise data;
generating a second noise image based on the randomly generated noise data and the common noise data by incorporating the common noise data as a foreground object at a second location over the randomly generated noise data, wherein the second location is a random location in the second noise image and different from the first location;
providing the first noise image and the second noise image to a neural network to obtain information indicating predicted locations of the common noise data in each of the first noise image and the second noise image; and
providing one or more target output indications to the neural network as reference feedback to update one or more configurations of the neural network, the one or more configurations being updated based on the information indicating the predicted locations and the one or more target output indications, and the one or more target output indications comprising information indicating locations of the common noise data in each of the first noise image and the second noise image.

US Pat. No. 10,430,706

PROCESSOR WITH MEMORY ARRAY OPERABLE AS EITHER LAST LEVEL CACHE SLICE OR NEURAL NETWORK UNIT MEMORY

VIA ALLIANCE SEMICONDUCTO...

1. A processor, comprising:a plurality of processing cores;
a last level cache memory (LLC) shared by the plurality of processing cores, the LLC comprising a plurality of slices; and
a neural network unit (NNU), comprising:
an array of neural processing units (NPU); and
a memory array;
wherein to transition from a first mode in which the memory array operates to store neural network weights read by the plurality of NPUs to a second mode in which the memory array operates as a slice of the LLC in addition to the plurality of slices, the processor:
write-back-invalidates the LLC; and
updates a hashing algorithm into a hashing-include algorithm to include the memory array as a slice of the LLC in addition to the plurality of slices; and
wherein to transition from the second mode to the first mode, the processor:
write-back-invalidates the LLC; and
updates the hashing algorithm into a hashing-exclude algorithm to exclude the memory array from the LLC;
wherein to write-back-invalidate the LLC to transition from the first mode to the second mode, the processor only write-back-invalidates cache lines of the plurality of slices whose addresses are hashed by the hashing-exclude algorithm; and
wherein to writeback-invalidate the LLC to transition from the second mode to the first mode, the processor only write-back-invalidates cache lines of the plurality of slices and the memory array whose addresses are hashed by the hashing-exclude algorithm.

US Pat. No. 10,430,705

SECURE TRAILER CONNECTION SYSTEM

ROBERT BOSCH GMBH, Stutt...

1. A system for detecting if a hitch connecting a trailer and a vehicle is not secure, the system comprising;a video camera;
an output device; and
an electronic control unit configured to,
receive from the video camera, video of the hitch connecting the trailer and the vehicle;
using the video of the hitch, detect if the hitch connecting the trailer and the vehicle is not secure when a trailer coupler is not in a latched position or a trailer chains are not crossed and connected to the trailer and the vehicle;
generate a driver notification; and
control a motion of the vehicle upon detecting the hitch connecting the trailer and the vehicle is not secure.

US Pat. No. 10,430,704

PAYMENT CARDS AND DEVICES WITH DISPLAYS, CHIPS, RFIDS, MAGNETIC EMULATORS, MAGNETIC ENCODERS, AND OTHER COMPONENTS

DYNAMICS INC., Pittsburg...

1. A payment card comprising:a first button;
a light source;
a magnetic emulator operable to communicate data in serial;
an RFID;
an IC chip; and
a processor operable to control said magnetic emulator, said RFID, said IC chip, and said light source.

US Pat. No. 10,430,703

RFID TAGS IN WEARABLES

Motorola Mobility LLC, C...

1. An article of manufacture comprising:a wearable, stretchable article comprising stretchable material, said wearable, stretchable article selected from a group comprising: clothing, a hat, a headband, a wristband, socks, footwear, handwear, shorts, or an undergarment;
at least one RFID tag mounted on the wearable, stretchable article; and
a stretch-activated switch on the at least one RFID tag, the stretch-activated switch having a first mode and a second mode, the first mode being associated with a first RFID tag state and the second mode being associated with a second RFID tag state, wherein the stretch-activated switch comprises a ground contact, an RFID enable contact and a contact to slidably engage the ground contact and the RFID enable contact to transition between the first RFID tag state and the second RFID tag state.

US Pat. No. 10,430,702

RF TAG NETWORK CONNECTIVITY THROUGH GATEWAY FACILITY

TEGO, INC., Waltham, MA ...

1. A system, comprising:a radio frequency (RF) tag configured to communicate data stored in a memory of the RF tag to a networked computing device through a wired connection or to an RF interrogator device through a wireless connection, the RF tag comprising (i) an RF and analog block for receiving an RF signal from and transmitting an RF signal to the RF interrogator device, (ii) a data processing and controller block for digital information processing, (iii) a memory store, and (iv) a communication facility, wherein the RF tag is at least in part powered by an external RF signal received by the RF and analog block; and
a sensor communicatively coupled to the communication facility,
wherein the RF tag is adapted to enable the networked computing device to access the memory store through a communication bus connected between the communication facility and the networked computing device when the external RF signal provides power to the RF tag, wherein the network computing device is communicatively connected to a network,
wherein the communication facility transfers data collected from the sensor by the RF tag to the networked computing device.

US Pat. No. 10,430,701

MAGNETIC SECURE TRANSMISSION DEVICE, ELECTRONIC DEVICE AND MOBILE SYSTEM INCLUDING THE SAME

Samsung Electronics Co., ...

1. A magnetic secure transmission (MST) system, comprising:an inductor;
a switching circuit connected to the inductor; and
a control circuit,
the control circuit being configured to control the switching circuit to adjust a level of a current in the inductor by a first amount over a data transmission period, such that the inductor emits a magnetic pulse including a first magnitude during the data transmission period,
the control circuit being configured to control the switching circuit to adjust the level of the current in the inductor such that the level of the current in the inductor is maintained at a first constant level during a first sub-period of a data non-transmission period, the level of the current in the inductor changes a second amount at a constant slope during a second sub-period of the data non-transmission period, the level of the current in the inductor is maintained at a second constant level during a third sub-period of the data non-transmission period, and the inductor emits a magnetic pulse including a second magnitude during the second sub-period of the data non-transmission period,
the second sub-period of the data non-transmission period being after the first sub-period of the data non-transmission period and before the third sub-period of the data non-transmission period in a same one of the data non-transmission period,
the second amount being less than the first amount,
the second constant level being greater than or less than the first constant level,
the first magnitude being greater than a threshold value corresponding to a noise level, and
the second magnitude being less than the threshold value.

US Pat. No. 10,430,700

GRAPHENE-BASED MICRO-SCALE IDENTIFICATION SYSTEM

INTERNATIONAL BUSINESS MA...

1. An object label comprising:a plurality of individual layers of a material that is transparent in a visible light domain and absorbs incident energy outside the visible light domain at a ratio proportional to a thickness of the material; and
a pattern comprising variations in the thickness of the material along at least one of two orthogonal directions across the label, the pattern readable by variations in an amount of energy outside the visible light domain reflected through the object label.