US Pat. No. 10,991,091

SYSTEM AND METHOD FOR AN AUTOMATED PARSING PIPELINE FOR ANATOMICAL LOCALIZATION AND CONDITION CLASSIFICATION

Diagnocat Inc., Wilmingt...

1. An automated parsing pipeline system for anatomical localization and condition classification, said system comprising:a processor;
a non-transitory storage element coupled to the processor;
encoded instructions stored in the nor-transitory storage element, wherein the encoded instructions when implemented by the processor, configure the automated parsing pipeline system to:
receive at least one volumetric image;
parse the received volumetric image into at least a single image frame field of view;
localize a present tooth inside the parsed volumetric image and identifying it by number;
extract the identified tooth and surrounding context within the localized volumetric image; and
classify a tooth's conditions based on the extracted volumetric image using at least one of a multi-task approach, one network per condition approach, or a sub-network approach, wherein the multi-task approach is a single network outputting a prediction for multiple tooth conditions, the one network per condition approach is a single network outputting a prediction for a single tooth condition, and the sub-network approach is multiple networks outputting predictions for multiple tooth conditions.

US Pat. No. 10,991,089

ASSEMBLY LINE WITH INTEGRATED ELECTRONIC VISUAL INSPECTION

Regeneron Pharmaceuticals...

1. A system comprising:a belt;
a plurality of imagers, each configured to:
obtain an image of its respective field of view,
analyze the image to determine a quantity and/or orientation of one or more items within its respective field of view, and
generate a pass inspection signal or a fail inspection signal, based on the quantity and/or orientation of the one or more items within its respective field of view;
wherein at least one of the plurality of imagers is further configured to count a number of a plurality of trays disposed on the belt, wherein a number of empty tray locations are interspersed between the plurality of trays; and
a processor, coupled to each of the plurality of imagers, configured to,
receive the pass inspection signal or the fail inspection signal, and
advance the belt based on receiving a pass inspection signal from each of the plurality of imagers.

US Pat. No. 10,991,088

DEFECT INSPECTION SYSTEM AND METHOD USING ARTIFICIAL INTELLIGENCE

UTECHZONE CO., LTD., New...

7. A defect inspection method using artificial intelligence for a defect inspection system connected to an automatic visual inspection device, wherein the defect inspection system comprises a re-inspection server, a training terminal, a labeling re-inspection terminal, a classification terminal, and a re-inspection terminal, the defect inspection method comprising:receiving a defect image and a defect location from the automatic visual inspection device by the re-inspection server;
receiving the defect image and the defect location from the re-inspection server by the classification terminal;
reading a target trained module corresponding to the defect image, classifying the defect image according to the target trained module to generate a labeled defect image, and sending the labeled defect image to the re-inspection server by the classification terminal;
receiving, by the re-inspection terminal, the labeled defect image sent from the re-inspection server and displaying the labeled defect image on a display of the re-inspection terminal;
receiving a verified operation corresponding to the labeled defect image and sending the verified operation to the re-inspection server by the re-inspection terminal;
receiving the verified operation and the labeled defect image from the re-inspection server and receiving a labeling result corresponding to the labeled defect image by the labeling re-inspection terminal;
receiving the labeling result and the labeled defect image and sending the labeling result and the labeled defect image to the training terminal by the re-inspection server; and
receiving the labeling result and the corresponding labeled defect image from the labeling re-inspection terminal and training a corresponding training module according to the labeling result and the corresponding labeled defect image by the training terminal.

US Pat. No. 10,991,087

FLAME IMAGE ANALYSIS FOR FURNACE COMBUSTION CONTROL

Praxair Technology, Inc.,...

1. A method of heating material in a furnace, comprising(A) heating material comprising carbonaceous matter in a furnace having a flue, using heat generated by combustion in the furnace of fuel and gaseous oxidant being fed into the furnace, thereby producing carbon monoxide derived from the carbonaceous matter, wherein a flame is formed in the furnace which may extend out of the furnace from the flue;
(B) taking images detecting an intensity of the flame inside the furnace or outside the furnace by a digital camera that is located outside the furnace, expressing electronically in digital form an image that corresponds to the detected intensity, and characterizing the concentration of carbon monoxide in the flame from said image images of the detected intensity of the flame detected taken inside the furnace or outside the furnace by said digital camera that is located outside the furnace, by expressing electronically at least one parameter that corresponds to the detected intensity of the flame and that corresponds to the concentration of carbon monoxide in the flame, and determining the characterized concentration of carbon monoxide in the flame from predetermined correlations of the actual concentrations of carbon monoxide in a flame to expressed values of the at least one parameter;
(C) comparing the characterized concentration of carbon monoxide in the flame as characterized in accordance with step (B) to a preestablished threshold concentration value for the concentration of carbon monoxide in the flame;
(D) when the characterized concentration of carbon monoxide in the flame exceeds said preestablished threshold concentration value, adjusting the amount of oxygen, the amount of fuel, or the amounts of both oxygen and fuel, being fed into the furnace that is available to react in the furnace to an amount or amounts thereof that is effective to lower the characterized concentration of carbon monoxide in the flame to be equal or less than the preestablished threshold concentration value for a predetermined length of time, while continuing to characterize the concentration of carbon monoxide in the flame from images of the flame taken by the digital camera outside the furnace, wherein said method does not measure temperatures of the flame and is not based on measuring differences of flame temperature.

US Pat. No. 10,991,086

ADHERED SUBSTANCE DETECTION APPARATUS

AISIN SEIKI KABUSHIKI KAI...

1. An adhered substance detection apparatus comprising:an obtaining portion configured to obtain captured image data outputted from an imaging portion configured to be mounted on a vehicle;
a detection portion configured to detect presence or absence of an adhered substance of each of plural regions of an imaging surface of the imaging portion in a case where the imaging surface is divided into the plural regions, on the basis of the captured image data;
a judgement portion configured to distinguish a reliable region and an unreliable region from each other on the basis of the region in which the adhered substance is detected; and
a display processing portion configured to cause a display apparatus to display the reliable region and the unreliable region in such a manner that the reliable region and the unreliable region are discernible from each other, on the basis of a judgement result of the judgement portion, wherein
in the reliable region, a reliability property of predetermined arithmetic processing performed by a processing apparatus with the use of the captured image data is kept to be equal to or greater than a predetermined value; and
in the unreliable region, the reliability property is less than the predetermined value.

US Pat. No. 10,991,085

CLASSIFYING PANORAMIC IMAGES

ADOBE INC., San Jose, CA...

1. A computer-implemented method, comprising:receiving an image, wherein the image includes a collection of pixels, a top horizontal boundary, a bottom horizontal boundary, a right vertical boundary and a left vertical boundary, and wherein the top horizontal boundary, the bottom horizontal boundary, the right vertical boundary and the left vertical boundary are each comprised of a respective plurality of pixels;
ascertaining whether the image includes synthetic image content;
upon ascertaining that the image includes the synthetic image content, determining if the image includes at least one characteristic particular to panoramic images and classifying the image as a synthetic panoramic image or a synthetic non-panoramic image based, at least in part, on the determination, wherein determining if the image includes the at least one characteristic particular to panoramic images comprises determining that greater than or equal to a first threshold quantity of the plurality of pixels comprising the top horizontal boundary or greater than or equal to a second threshold quantity of the plurality of pixels comprising the bottom horizontal boundary have an equivalent pixel value; and
upon ascertaining that the image fails to include the synthetic image content, applying a neural network to the image and classifying the image as a non-synthetic panoramic image or a non-synthetic non-panoramic image based, at least in part, on the application of the neural network.

US Pat. No. 10,991,084

METHOD OF REDUCING PURPLE FRINGING IN IMAGES

Axis AB, Lund (SE)

1. A method of reducing purple fringing in images captured by a camera, the method comprising:acquiring a raw image of a scene with an image sensor of the camera,
demosaicing the raw image,
applying an adjusted color correction matrix to the demosaiced raw image,
wherein the adjusted color correction matrix is deduced by calibrating the spectral response of the image sensor to a color rendition chart to which color values associated with purple fringe aberration have been added, and
wherein the adjusted color correction matrix is such that, when applied to the demosaiced raw image, color values associated with purple fringe aberration are transformed into color values of a predetermined replacement color.

US Pat. No. 10,991,083

DIRECTIONAL BILATERAL FILTERING WITH IMPROVED NOISE REDUCTION ALONG EDGES

Apple Inc., Cupertino, C...

1. A directional bilateral filter circuit comprising:an edge detection circuit configured to determine an edge direction for each pixel in an image by processing a pixel value of each pixel and pixel values of a subset of pixels in the image within a defined distance from each pixel;
a coefficient processor circuit coupled to the edge detection circuit, the coefficient processor circuit configured to:
determine a plurality of non-directional taps for the pixels in the subset by processing information about a location of each pixel in the subset and each difference between the pixel value and another pixel value of each pixel in the subset,
determine a plurality of directional taps for the pixels in the subset by processing at least the edge direction and each difference, and
determine a plurality of filter taps for the pixels in the subset by processing the non-directional taps and the directional taps; and
a filter circuit coupled to the coefficient processor circuit, the filter circuit configured to calculate a filtered pixel value of each pixel in a filtered image using the filter taps and the pixel values.

US Pat. No. 10,991,082

DETERMINING AN OPTIMALITY COEFFICIENT OF AN IMAGE

1. A method for determining an optimality coefficient, the method comprising:receiving an image comprising a plurality of pixels;
selecting a characteristic function for analyzing the received image;
analyzing distribution of the plurality of pixels of the received image using the selected characteristic function;
comparing the analyzed distribution of the plurality of pixels with a normal probability distribution function, wherein the normal probability distribution function comprises a Gaussian distribution;
determining a difference between the analyzed distribution of the plurality of pixels and the normal probability distribution function; and
generating an optimality coefficient value for the received image based on the determined difference.

US Pat. No. 10,991,081

BOOK SCANNING USING MACHINE-TRAINED MODEL

VoyagerX, Inc., Seoul (K...

1. A method of flattening a book page image, the method comprising:capturing an image of an opened book using a camera such that the captured image features a target page of the opened book;
processing an input image corresponding to the captured image using a machine-trained model to provide a set of parameters for the input image, wherein the set of parameters comprises:
a first subset of parameters defining a camera position relative to the target page for capturing the captured image by the camera,
a second subset of parameters defining a camera orientation relative to the target page for capturing the captured image by the camera, and
a third subset of parameters defining a curvature of the target page; and
flattening the captured image or a modified image modified from the captured image to provide a flattened image featuring a flattened version of the target page,
wherein flattening comprises a data conversion process that uses the set of parameters and corresponds to an opposite of an image distortion process for converting the flattened image to the captured image,
wherein the image distortion process comprises:
first data processing corresponding to curling of the flattened image to conform to the curvature defined by the third subset of parameters, which provides a curled version of the flattened image, and
second data processing corresponding to taking a photograph of the curled version of the flattened image at the camera position defined by the first subset and in the camera orientation defined by the second subset.

US Pat. No. 10,991,080

IMAGE ADJUSTMENT METHOD AND ASSOCIATED IMAGE PROCESSING CIRCUIT

Realtek Semiconductor Cor...

1. An image adjustment method for performing following operations upon each pixel of an image:obtaining R, G, B values and infrared ray (IR) value corresponding to the current pixel;
generating multiple initial compensation parameters corresponding to the R, G, B values;
generating an over-compensation parameter according to the R, G, B and IR values;
comparing the over-compensation parameter with at least one threshold value to generate a compensation adjustment coefficient; and
performing IR crosstalk compensation upon the image with the compensation adjustment coefficient.

US Pat. No. 10,991,079

USING PREVIOUSLY RENDERED SCENE FRAMES TO REDUCE PIXEL NOISE

Nvidia Corporation, Sant...

1. A method to denoise a ray traced scene using temporal reprojections, comprising:preparing scene data of the ray traced scene;
generating modified scene data by modifying the scene data utilizing an exponential average of the temporal reprojections;
generating filtered scene data by filtering the modified scene data utilizing a spatial filter and a spatial filter radius; and
adjusting the filtered scene data utilizing a temporal filter to provide a denoised ray traced scene for a rendering process.

US Pat. No. 10,991,078

INFERRING PETROPHYSICAL PROPERTIES OF HYDROCARBON RESERVOIRS USING A NEURAL NETWORK

Saudi Arabian Oil Company...

1. A computer-implemented method, comprising:receiving image data associated with a wellbore core;
enhancing the received image using image processing to remove artifacts and to retrieve information associated with a desired target output;
performing image segmentation on useable enhanced image data to create segmented image data by partitioning the enhanced image data into coherent regions with respect to a particular image-based criterion, wherein the image segmentation comprises color base image segmentation;
determining, based on usability criteria, that the segmented data is useable, wherein the usability criteria comprises a range of petrophysical values;
in response to determining that the segmented data is usable, pre-processing, using pre-processing techniques, the useable segmented image data and auxiliary data for input into a neural network as pre-processed data, wherein the pre-processing techniques comprise one or more of a set of arithmetic or geometric relations;
dividing the pre-processed data into training, validation, and testing data subsets;
determining a neural network architecture to process the pre-processed data;
executing the determined neural network architecture using the pre-processed data;
post-processing output of the determined neural network as post-processed data; and
comparing the post-processed data to a known value range associated with the post-processed data to determine if the post-processed data satisfies a desired output result.

US Pat. No. 10,991,076

IMAGE SUPER-RESOLUTION METHOD, IMAGE SUPER-RESOLUTION DEVICE, AND COMPUTER READABLE STORAGE MEDIUM

SHENZHEN SKYWORTH-RGB ELE...

1. An image super-resolution method, wherein the method comprises:acquiring and amplifying an image to be processed, and extracting a scaling feature from the amplified image, to obtain a first image to be processed;
sending the first image to be processed to a residual network, for the residual network outputting a corrected second image to be processed; and
restoring the second image to be processed to generate a restored image, and outputting the restored image, wherein
the operation of acquiring and amplifying an image to be processed, and extracting a scaling feature from the amplified image, to obtain a first image to be processed, comprises:
acquiring a low-resolution image to be processed, and pre-processing the image to be processed in a pre-processing convolution layer; and
sending the pre-processed image to be processed to a scale amplification module, amplifying the image to be processed based on a preset amplification scale, and extracting the scaling feature from the amplified image, to obtain the first image to be processed, and
the preset amplification scale is defined as two times, three times, or four times.

US Pat. No. 10,991,075

DISPLAY ENGINE SURFACE BLENDING AND ADAPTIVE TEXEL TO PIXEL RATIO SAMPLE RATE SYSTEM, APPARATUS AND METHOD

Intel Corporation, Santa...

1. A system comprising:a power source to supply power to the system;
a memory comprising a scene, the memory coupled to a processor;
a graphics pipeline apparatus to receive the scene, the scene including scene surfaces, the graphics pipeline apparatus comprising:
a gaze monitor to:
monitor a gaze of a user viewing the scene, and
identify a focus area in the scene based on the gaze of the user;
a graphics engine to select one or more sample rates for rendering based on the focus area and on a first threshold; and
a display engine to blend two or more of the scene surfaces based on the focus area and in response to a second threshold, wherein the second threshold is different from the first threshold, wherein the graphics engine communicates to the display engine the two or more of the scene surfaces in response to the second threshold being satisfied, and wherein the graphics engine blends the two or more of the scene surfaces in response to the second threshold not being satisfied.

US Pat. No. 10,991,074

TRANSFORMING SOURCE DOMAIN IMAGES INTO TARGET DOMAIN IMAGES

Google LLC, Mountain Vie...

1. A system comprising:a domain transformation neural network implemented by one or more computers, wherein the domain transformation neural network is configured to:
receive an input image from a source domain; and
process a network input comprising the input image from the source domain to generate a transformed image that is a transformation of the input image from the source domain to a target domain that is different from the source domain,
wherein the domain transformation neural network has been trained concurrently with a discriminator neural network that is configured to distinguish between target domain images and transformed images generated by the domain transformation neural network, and
wherein the training comprises repeatedly performing a two-step optimization process by alternating between performing a first optimization step and a second optimization step, comprising:
during the first optimization step, updating current values of parameters of the discriminator neural network and current values of parameters of a task network while holding values of parameters of the domain transformation neural network fixed, wherein the task neural network is configured to receive an input image and to process the input image to generated a task output that characterizes the input image; and
during the second optimization step, updating current values of the parameters of the domain transformation neural network while holding values of the parameters of the discriminator neural network and values of the parameters of the task neural network fixed.

US Pat. No. 10,991,073

APPARATUS AND METHOD OF PARALLAX-MINIMIZED STITCHING BY USING HLBP DESCRIPTOR INFORMATION

Electronics and Telecommu...

1. A method of stitching a real-time image, the method comprising:receiving reference images from respective cameras and generating a first lookup table and a blending mask, which are stitching-related information, with respect to each of the reference images;
receiving the real-time images from the respective cameras and warping the real-time images by applying the generated stitching-related information;
tracking a parallax occurrence region in an overlap region, the overlap region referring to a region of an overlap of the warped real-time images when the real-time images are combined to be output into a panoramic image;
performing correction for minimizing parallax occurring in the parallax occurrence region;
correcting, when the correction for minimizing the parallax is performed, an image distortion occurring in a non-overlap region of the warped real-time images; and
stitching the images subjected to correction processing with respect to the parallax occurrence region and the non-overlap region, for output into the panoramic image,
wherein when the correction for minimizing the parallax occurring in the parallax occurrence region is performed, a descriptor is calculated for each vertex in the parallax occurrence region, a target vertex for reducing the parallax occurring at the vertex in the parallax occurrence region is found using the calculated descriptor, and the vertex in the parallax occurrence region is matched with the target vertex, whereby the correction of the image is performed,
wherein when the target vertex for reducing the parallax is found, information in the first lookup table is updated on the basis of information on that the vertex in the parallax occurrence region is matched with the target vertex so that a second lookup table is generated.

US Pat. No. 10,991,072

METHOD AND DEVICE FOR FUSING PANORAMIC VIDEO IMAGES

Hangzhou Hikvision Digita...

1. A method for fusion of a panoramic video, comprising:acquiring a panoramic video image, wherein the panoramic video image is formed by stitching at least two cuboid three-dimensional images;
extracting a moving target in a target image from a cuboid three-dimensional image corresponding to a stitching area in the at least two cuboid three-dimensional images when it is detected that the moving target is displayed abnormally at a stitching area in the panoramic video image, by comparing the panoramic video image with the at least two cuboid three-dimensional images;
performing image fusion processing on the panoramic video image and the moving tar-get at the stitching area to form a panoramic video image incorporated with the moving target;
wherein, performing image fusion processing on the panoramic video image and the moving target comprises:
inserting the moving target into a to-be-fused area of the panoramic video image;
determining color values of pixels in the to-be-fused area of the panoramic video image in which the moving target is inserted by using a Poisson fusion algorithm;
performing image reconstruction on the to-be-fused area according to the determined color values of the pixels;
wherein, determining color values of pixels in the to-be-fused area of the panoramic video image in which the moving target is inserted by using a Poisson fusion algorithm comprises:
determining a divergence of a color value of the panoramic video image in which the moving target is inserted; and
generating a sparse matrix according to a boundary constraint condition of the to-be-fused area of the panoramic video image;
constructing a following Poisson equation:
Ax=B  (1)
wherein, A is the sparse matrix, and B is the divergence of a color value of the panoramic video image inserted with the moving target, and x is the color value of a pixel to be solved;
solving the Poisson equation to determine the color values of the pixels in the to-be-fused area.

US Pat. No. 10,991,071

INFORMATION PROCESSING APPARATUS AND RECORDING MEDIUM

Ricoh Company, Ltd., Tok...

1. An information processing apparatus, comprising:processing circuitry configured to
generate a partial image, having a point-of-interest designated by a user, from a 360-degree image, and display the generated partial image,
accept a registration request of the designated point-of-interest from the user via a user interface (UI) screen displaying the generated partial image,
register the designated point-of-interest, in response to the registration request from the user via the UI screen,
calculate an interpolation line interpolating between a most recently registered point-of-interest and the designated point-of-interest,
register the interpolation line between the designated point-of-interest and the most recently registered point-of-interest registered immediately prior to the designated point-of-interest, and
display the interpolation line and the designated point-of-interest superimposed on the partial image in the UI screen.

US Pat. No. 10,991,070

METHOD OF PROVIDING SURGICAL GUIDANCE

Orthogrid Systems, Inc, ...

1. A method to provide a surgical guidance indicator for use in an orthopedic implant procedure comprising: providing a computing platform configured to execute one or more automated artificial intelligence models, wherein the one or more automated artificial intelligence models are trained on data from a data layer, wherein the data layer includes a plurality of annotated fluoroscopic images, wherein the automated artificial intelligence models are trained to provide a user with intra-operative surgical guidance; receiving an intra-operative fluoroscopic image of the orthopedic implant; analyzing said intra-operative fluoroscopic image using a deep learning model from the algorithm layer and the plurality of annotated fluoroscopic images from the data layer, and generating a grid data predictive, by artificial intelligence engine, map showing surgical outcome classification values as color hues on an electronic display device based on the alignment of the fluoroscopic intra-operative image with the grid data predictive map, wherein each color hue shows a predicted track for success level of surgical outcome selected from the group consisting of: a nail entry point, a screw trajectory, and an implant position.

US Pat. No. 10,991,069

METHOD AND APPARATUS FOR REGISTRATION OF MEDICAL IMAGES

SAMSUNG ELECTRONICS CO., ...

1. An image processing apparatus, comprising:a transceiver configured to receive a first medical image of an object from a first medical apparatus, and to receive a second medical image of the object from a second medical apparatus; and
an image processor configured to extract a pre-designated cross-sectional image from the second medical image, to attempt to perform an automatic extraction to extract a corresponding location that corresponds to a reference location of the object from the extracted cross-sectional image, to detect a failure of the automatic extraction, and to perform a manual extraction to extract the corresponding location based on the detecting of the failure,
wherein the corresponding location is different from the reference location,
wherein the reference location refers to a location of a navigator placed on the object, the navigator including at least one from among an optical tracker and a procedure tool in which a sensor configured for navigating a location is mounted,
wherein the image processor is further configured to perform image processing which relates to at least one anatomical object shown in the extracted cross-sectional image and to extract an anatomical object location different from the reference location,
wherein the image processor is further configured to:
determine a skin line based on a brightness value,
determine a direction of the skin line as a horizontal axis,
determine coordinate information of the navigator,
determine a direction approaching the skin line from the corresponding location as a vertical axis,
determine an intersection of the horizontal axis and the vertical axis as an intersecting location based on the skin line and the coordinate information of the navigator, and
perform a registration of the second medical image with respect to the first medical image based on the corresponding location, the intersecting location, and the anatomical object location, when the navigator is disposed on the reference location of the object and an axis of the navigator is parallel with an axis of the object,
wherein the corresponding location is located inside of the object,
wherein the corresponding location is different from the intersecting location,
wherein the image processor is further configured to extract an anatomically corresponding location in each of the first medical image and the second medical image, and
wherein the manual extraction is performed based on a user input specifying the corresponding location.

US Pat. No. 10,991,068

PROJECTION IMAGE CONSTRUCTION METHOD AND DEVICE

1. A method for constructing a projection image, comprising:performing projection of an equirectangular panoramic image with a cylindrical surface equal-area projection model to obtain a cylindrical surface equal-area projection image;
obtaining a two-dimensional coordinate of each of pixels in the cylindrical surface equal-area projection image;
performing coordinate transformation on the obtained two-dimensional coordinate of each of pixels in the cylindrical surface equal-area projection image to obtain a two-dimensional coordinate in the equirectangular panoramic image corresponding to each of pixels in the cylindrical surface equal-area projection image;
performing pixel interpolation on the cylindrical surface equal-area projection image, based on color information of each of pixels in the equirectangular panoramic image and the obtained two-dimensional coordinate in the equirectangular panoramic image corresponding to each of pixels in the cylindrical surface equal-area projection image, to generate a panoramic image subjected to the cylindrical surface equal-area projection transformation.

US Pat. No. 10,991,067

VIRTUAL PRESENTATIONS WITHOUT TRANSFORMATION-INDUCED DISTORTION OF SHAPE-SENSITIVE AREAS

Zeekit Online Shopping Lt...

1. A method for transforming an image of an article for virtual presentation without transformation-induced distortion of a shape-sensitive area of the article, comprising:using automated image processing to identify a first region of the article image representing a shape-sensitive area of the article whose aspect ratio needs to be controlled when the article image is transformed for use in the virtual presentation;
transforming the article image to provide a transformed article image for use in the virtual presentation, the transformation of the article image comprising a differential transformation that transforms a shape or size of the first region of the article image differently than a shape or size of a second region of the article image representing an area of the article that is outside the shape-sensitive area, the differential transformation preventing distortion of the first region of the article image.

US Pat. No. 10,991,066

METHOD OF TRANSMITTING OMNIDIRECTIONAL VIDEO, METHOD OF RECEIVING OMNIDIRECTIONAL VIDEO, DEVICE FOR TRANSMITTING OMNIDIRECTIONAL VIDEO, AND DEVICE FOR RECEIVING OMNIDIRECTIONAL VIDEO

LG ELECTRONICS INC., Seo...

1. A method of transmitting omnidirectional video, the method comprising:acquiring an image for the omnidirectional video;
projecting the image for the omnidirectional video onto a sphere;
packing the projected image;
encoding the packed image;
encapsulating the encoded image and metadata into a media file; and
transmitting the media file,
wherein the metadata includes information representing a center position of a sphere region, information representing a shape type of the sphere region, first range information and second range information for specifying the range through the center position, and interpolate information representing whether or not the information representing the center position is linearly interpolated,
wherein when the sphere region is represented based on four great circles, the shape type information has a first value,
wherein when the sphere region is represented based on two great circles and two small circles, the shape type information has a second value,
wherein a great circle is an intersection of the sphere and a plane that passes through the center point of the sphere, and a small circle is a circle on the sphere connecting all points with a same value from a center point of the sphere,
wherein the information representing a center position that applies to a media sample are linearly interpolated based on values of the information representing the center position in a current sample and a previous sample in response to the interpolate information corresponding to a specific value,
wherein a value of the interpolate information for a sync sample is set to zero (0), and
wherein the information representing a center position includes an integer value.

US Pat. No. 10,991,065

METHODS AND SYSTEMS FOR PROCESSING GRAPHICS

TENCENT TECHNOLOGY (SHENZ...

1. A method for processing graphics using an OpenGL Embedded Systems Application Programming Interface (Open GLES API), comprising:at a device including one or more processors and memory:
retrieving a source graphic;
decoding the source graphic to generate a graphic object, wherein:
the graphic object comprises a set of index values and a color palette,
the set of index values includes a respective index value for each pixel of the source graphic, and
the respective index value for each pixel of the source graphic identifies a corresponding color value in the color palette for the pixel of the source graphic;
providing the graphic object to a Graphical Processing Unit (GPU) through the Open GLES API, including providing the set of index values in a first acceptable graphic format of the Open GLES API to the GPU, and providing the color palette in a second acceptable graphic format of the Open GLES API to the GPU, wherein the set of index values and the color palette are processed separately in the GPU and the first acceptable graphic format corresponds to a one-dimensional matrix and the second acceptable graphic format corresponds to a two-dimensional matrix; and
triggering the GPU to render the source graphic according to the set of index values received in the first acceptable graphic format of Open GLES API and the color palette received in the second acceptable graphic format of Open GLES API, further including choosing a color value for each pixel of the source graphic from the color palette according to a corresponding one of the set of index values associated with the pixel of the source graphic.

US Pat. No. 10,991,064

SYSTEM AND METHOD OF APPLYING WATERMARK IN A DIGITAL IMAGE

Adventure Soup Inc., Van...

1. A system for protecting a proprietary medium, the system comprising a processor and a memory having instructions stored thereon that when executed by the processor cause the processor to: identify at least one first feature of interest in an original digital image; generate a watermarked copy of the original image and generate a masked copy of the original image in which the first feature of interest is masked; combine the watermarked copy with the masked copy to provide a modified watermarked copy having a region of lower intensity watermarking corresponding to the location of the first feature of interest in the original digital image; and overlay the modified watermarked copy over the original image to provide a final copy in which the regions of lower intensity watermarking are aligned with the first feature of interest.

US Pat. No. 10,991,063

SYSTEM AND METHOD FOR OPTIMIZATION OF ON-DEMAND MICROTRANSIT

CONDUENT BUSINESS SERVICE...

1. A method for optimization of on-demand microtransit, comprising:maintaining a list of possible stops of one or more self-driving vehicles;
receiving a plurality of requests for transportation, each of the requests associated with at least one traveler and comprising an origin location, a desired destination location, an earliest permitted departure time from the origin location and a latest permitted arrival time to the destination;
selecting multiple ones of the requests for fulfillment, comprising:
grouping the requests into a plurality of clusters based on the origin location and the destination location in each of the clusters;
sorting the clusters based on their size;
setting a threshold number that is a multiple of a capacity of one of the self-driving vehicles; and
selecting the requests from the clusters based on the size of the clusters up to the travelers associated with the selected requests equaling the threshold number, wherein the requests are selected from the clusters in an order of decreasing size of the clusters and all of the requests from a larger one of the clusters are selected prior to selecting the requests from a smaller one of the clusters;
selecting a set of a minimal number of the stops, the set comprising at least one stop that is within a predefined walking distance of the origin location of each of the selected travelers and at least one stop within the predefined walking distance of the destination location of each of the selected travelers;
identifying potential routes for the self-driving vehicles that include the stops in the set, comprising:
clustering the stops in the set within the walking distance of the origin locations and identifying a centroid of the origin stops cluster;
clustering the stops in the set within the walking distance of the destination locations and identifying a centroid of the destination stops cluster;
sorting the stops in the set within the walking distance of the origin locations in order of decreasing distance to the destination stops centroid;
sorting the stops in the set within the walking distance of the destination locations in order of increasing distance to the origin stops centroid; and
enumerating all of the potential routes that follow the sorted orders of the stops;
evaluating as a mixed integer linear problem possible assignments of at least some of the travelers associated with the selected requests to be transported by one or more of the self-driving vehicles along at least one of the enumerated routes, comprising:
determining a total travel time by the one or more self-driving vehicles associated with each of the possible assignments based on at least one of one or more of the earliest permitted departure times and one or more of the latest permitted arrival times;
determining a total number of the travelers whose requests would be fulfilled by each of the possible assignments;
determining a total walking time of the at least some travelers associated with each of the possible assignments; and
using the total travel time associated with each of the possible assignments, the total number of travelers associated with each of the possible assignments, and the total walking time associated with each of the possible assignment to select one of the possible assignments; and
causing one or more of the self-driving vehicles associated with the selected assignment to automatically follow the at least one route associated with the selected assignment via a wireless transceiver comprised in the one or more self-driving vehicles, wherein the steps are performed by a suitably-programmed computer.

US Pat. No. 10,991,062

SECURE AUTHORIZATION SYSTEM

1. A method for authorization, comprising:receiving, at a receiving computer system from a transmitting computer system, an encrypted instruction and an information locator, the encrypted instruction produced based on an encryption key generated from a first set of characters obtained from first user identification information based on a first set of numbers generated from randomly generated characters provided to a transformation function known to the receiving computer system and the transmitting computer system, the information locator comprising the randomly generated characters and user account information;
retrieving second user identification information based on the user account information included in the information locator, the second user identification information stored at the receiving computer system;
generating a decryption key based on a second set of characters obtained from the second user identification information based on a second set of numbers generated by the transformation function from the randomly generated characters included in the information locator;
decrypting the encrypted instruction with the decryption key; and
approving an action associated with a user based on an instruction produced by decrypting the encrypted instruction.

US Pat. No. 10,991,061

SYSTEM AND METHOD OF IDENTITY VERIFICATION

United States Postal Serv...

1. A system for verifying identity comprising:a database associated with a distribution network, the database storing historical mail information corresponding to mail pieces delivered by the distribution network;
a mail piece which has been delivered, by the distribution network, to an address associated with a registrant;
a mobile device comprising processing circuitry configured to:
receive, from the registrant, registration information including at least the address associated with the registrant;
receive identification information from the registrant, the identification information comprising address information associated with the registrant and location information, the address information comprising a digital image of the mail piece which has been delivered to the address associated with the registrant, the location information comprising metadata attached to the digital image including location coordinates of the registrant at the time the digital image is generated; and
transmit the registration information and the identification information; and
an identification verification module in communication with the database, the identification verification module comprising processing circuitry configured to:
receive the registration information and the identification information from the mobile device;
obtain a mail piece address by processing the digital image of the mail piece;
verify that the location coordinates attached to the digital image of the mail piece correspond to the mail piece address;
verify that the mail piece in the digital image was sent to the registrant based on the historical mail information stored in the database; and
generate and transmit a digital activation token corresponding to an account associated with the registrant based on the verification of the location coordinates and on the verification of the identification information;
wherein the processing circuitry of the mobile device is further configured to:
receive, from the identification verification module, the digital activation token;
store the digital activation token in a memory of the mobile device; and
access, via a network connection, the account associated with the registrant based on the stored digital activation token.

US Pat. No. 10,991,060

DEVICE, SYSTEM AND METHOD FOR DISPATCHING RESPONDERS TO PATROL ROUTES

MOTOROLA SOLUTIONS, INC.,...

1. A method comprising:accessing, at a computing device, historical patrol route information comprising records of patrol routes taken for each of a plurality of time periods, each of the patrol routes taken by a respective uniquely identified responder;
accessing, at the computing device, historical crime information indicating actual crime rates for the patrol routes taken, for the plurality of time periods during which the respective uniquely identified responder was assigned to the patrol routes taken, as determined from the records;
responsive to receiving, at the computing device, a request to assign respective uniquely identified responders to respective patrol routes, including the patrol routes taken, for an upcoming time period:
determining, by the computing device, available respective uniquely identified responders for the upcoming time period;
determining, by the computing device, based on the available respective uniquely identified responders and the historical crime information, a mapping of the available respective uniquely identified responders to the respective patrol routes that one or more of reduces and minimizes an expected crime rate for the upcoming time period across the respective patrol routes; and
based on the determining of the mapping, causing, by the computing device, the available respective uniquely identified responders to be dispatched to the respective patrol routes for the upcoming time period by; changing one or more of a role and a function of one or more of the available respective uniquely identified responders, when the changing one or more of reduces and minimizes the expected crime rate; and transmitting respective dispatch instructions to respective communication devices of the available respective uniquely identified responders via a communication network.

US Pat. No. 10,991,058

INSPECTION SYSTEM AND RELATED METHODS

1. A property inspection system comprising:a processor;
a non-transitory storage medium storing a first set of instructions that, when executed by the processor, cause the processor to
responsive to selection of a predefined floor-plan location that represents a defined space, selectably present a plurality of feature choices predefined as having a correlation to a type of selected defined space,
responsive to selection of one of the feature choices, selectably present a plurality of predefined negative conditions pre-associated with a feature represented by the selected choice,
responsive to selection of one of the negative conditions, present one or more predefined quantification metrics predefined as representing a quantifiable aspect of the negative condition,
receive values for the one or more quantification metrics, and
store a plurality of negative conditions and quantification metrics as representative of the selected feature at the selected floor-plan location, in a record associated with a property address having a predefined association to the floor-plan; and
a video labeler stored in the non-transitory storage medium, the video labeler storing instructions that, when executed by the processor, associate video of a feature having negative conditions taken by a video camera at the selected floor-plan location with the record for the selected floor-plan location and automatically encodes the feature choices and property address associated with the record as visible text on the video for viewing during playback.

US Pat. No. 10,991,057

SYSTEMS AND METHODS FOR RESCHEDULING AIRLINE PASSENGERS

GENERAL ELECTRIC COMPANY,...

1. A method for rescheduling passengers comprising:receiving, by one or more processors, an indication that an event has disrupted a plurality of flights;
receiving, by the one or more processors, passenger itinerary data stored in a passenger itinerary database;
identifying, by the one or more processors, a plurality of itineraries from the passenger itinerary data, wherein the identified plurality of itineraries comprises at least one of the disrupted flights;
determining, by the one or more processors, a plurality of sets for the itineraries, wherein each of the plurality of sets comprises an origin location, a destination location, and a destination arrival time;
receiving, by the one or more processors, operations plan data stored in an operations plan database;
determining, by the one or more processors, a plurality of operations plan alternatives based on the plurality of sets and the operations plan data, wherein each of the plurality of operations plan alternatives comprises a schedule for the plurality of flights, and wherein each of the plurality of operations plan alternatives comprises a delay or cancellation for at least one of the plurality of flights;
determining, by the one or more processors, one or more constraints from the plurality of sets of itineraries;
applying, by the one or more processors, the one or more constraints to the plurality of operations plan alternatives to determine an impact of the one or more constraints to the plurality of operations plan alternatives on the sets of itineraries;
determining, by one or more processors, an operations plan comprising a schedule for the plurality of flights, wherein the schedule comprises a delay or cancellation for at least one of the plurality of flights based on the determined impacts, wherein determining the operations plan further comprises:
for each of the plurality of operations plan alternatives, determining, by the one or more processors, a total travel delay;
for each of the plurality of operations plan alternatives, constructing, by the one or more processors, a new itinerary;
determining, by the one or more processors, a travel delay for each of the new itineraries by subtracting a destination arrival time associated with each new itinerary from a destination arrival time associated with an associated changed itinerary;
determining, by the one or more processors, the total travel delay by summing each of the travel delays;
selecting, by the one or more processors, an operations plan with a lowest total travel delay from the plurality of operations plan alternatives; and
performing, by the one or more processors, the operations plan with the lowest total travel delay, wherein said operations comprise:
reassigning a crew based, at least in part, on the operations plan; and
delaying a connecting flight based, at least in part, on the delay or cancellation for at least one of the plurality of flights.

US Pat. No. 10,991,056

MENU GENERATION SYSTEM

Gurunavi, Inc., Chiyoda-...

1. A menu generation system, the menu generation system comprising:processing circuitry programmed to:
store, in a first database:
menu item names including:
a plurality of first menu item names in a first language, and
for each of the first menu item names, a plurality of corresponding menu item names each being a different translation of the first menu item name in one of multiple languages other than the first language, and
a plurality of menu item identifiers (IDs), each of the menu item IDs being associated with one of the first menu item names and the corresponding menu item names of the one of the first menu item names, store, in a second database:
menu item properties including:
a plurality of first menu item properties in the first language, and
for each of the first menu item properties, a plurality of corresponding menu item properties each being a different translation of the first menu item property in the one of the multiple languages, and
a plurality of property IDs, each of the property IDs being associated with one of the first menu item properties and the corresponding menu item properties of the one of first menu item properties,
receive an input of a facility identifier (ID) from an information terminal, the facility ID identifying an establishment that serves food,
in response to receipt of the input of the facility ID:
provide the information terminal with a plurality of the menu item names read from the first database and each in a same predetermined language, the predetermined language being one of the first language and the multiple languages, and
provide the information terminal with a plurality of the menu item properties read from the second database and each in the same predetermined language,
receive, from the information terminal, a selected menu item name selected from among the plurality of the menu item names provided to the information terminal,
receive, from the information terminal, a selected menu item property selected from among the plurality of the menu item properties provided to the information terminal,
in response to receipt of the selected menu item name and the selected menu item property, generate a record in a menu item database, the record including (1) a menu item ID from among the menu item IDs and corresponding to the selected menu item name, (2) a property ID from among the property IDs and corresponding to the selected menu item property, and (3) the facility ID stored in association with one another,
receive information designating a facility corresponding to the facility ID from a user terminal that is used by a user who utilizes the facility,
receive a menu item providing request with a designated language among the multiple languages and the first language, and
in response to receipt of the information designating the facility and the menu item providing request:
access the menu item database,
read the menu item ID associated with the facility ID from the menu item database,
read the property ID associated with the facility ID from the menu item database,
generate menu item information where the menu item of the facility is described in the designated language using the read menu item ID, the read property ID, the first database, and the second database, and
provide the generated menu item information to the user terminal,
wherein the second database includes:
an ingredient database that stores:
ingredients including:
a plurality of first ingredients in the first language, and
for each of the first ingredients, a plurality of corresponding ingredients each being a different translation of the first ingredient in the one of the multiple languages, and
a plurality of ingredient IDs, each of the ingredient IDs being associated with one of the first ingredients and the corresponding ingredients of the one of the first ingredients,
a seasoning database that stores:
seasonings including:
a plurality of first seasonings in the first language, and
for each of the first seasonings, a plurality of corresponding seasonings each being a different translation of the first seasoning in the one of the multiple languages, and
a plurality of seasoning IDs, each of the seasoning IDs being associated with one of the first seasonings and the corresponding seasonings of the one of the first seasonings, and
a cooking style database that stores:
cooking styles including:
a plurality of first cooking styles in the first language, and
for each of the first cooking styles, a plurality of corresponding cooking styles each being a different translation of the first cooking style in the one of the multiple languages, and
a plurality of cooking style IDs, each of the cooking style IDs being associated with one of the first cooking styles and the corresponding cooking styles of the one of the first cooking styles.

US Pat. No. 10,991,054

METHOD AND DEVICE FOR ACQUIRING TRANSACTION RECORD, AND COMPUTER READABLE STORAGE MEDIUM

BEIJING XIAOMI MOBILE SOF...

1. A method for acquiring a historical transaction record, comprising: acquiring an information import instruction on a designated pate, the designated pate being a pate displayed when a detail presenting instruction is acquired on a transaction card; displaying applications installed on a terminal in response to the information import instruction; selecting a plurality of applications from the installed applications; displaying historical transaction record pages of the selected applications, wherein the historical transaction record pages contain at least one historical transaction record of at least one historical transaction event; determining the historical transaction record pages of the selected applications as target transaction pages to be recognized; acquiring Document Object Model (DOM) structures of the target transaction pages; extracting the at least one historical transaction record from the DOM structures; and saving the at least one historical transaction record as an editable card.

US Pat. No. 10,991,052

SYSTEM FOR MULTI-PLATFORM DATA PROCESSING

HARTFORD FIRE INSURANCE C...

1. A system to improve processing associated with an automated dynamic rating application, comprising:a communication device to receive, from a remote device via a communication network, single input information provided at the remote device including information associated with a business including a quote request for insurance coverage for the business, specifying a business type and a business location, and to transmit the single input information to a plurality of platforms, thereby reducing errors in input information;
a first computing platform coupled to the communication device, including:
a first processor coupled to the communication device; and
a first storage device in communication with the first processor and storing instructions defining an automated dynamic rating application and adapted to be executed by the processor to:
receive, via the communication device, the single input information provided at the remote device;
identify at least a first applicable insurance coverage for the business based on receipt of the business type and the business location from the communication device responsive to the request for quote,
based on the at least a first applicable insurance coverage for the business, identify at least a first relevant coverage formula including at least a first territory factor and data lookups to retrieve and apply a relevant rate from a business owner's policy coverage rating database, the at least a first territory factor based on the geographical location of the business, and
query a rating database using the at least a first relevant coverage formula, the business type, the business location, and received claim data, the query resulting in at least a first price for the at least first applicable insurance coverage for the business; and
a second computing platform coupled to the communication device, operating in parallel with the first computing platform, including:
a second processor;
a second storage device in communication with the second processor and storing instructions adapted to be executed by the second processor to:
receive, via the communication device, the single input information provided at the remote device;
responsive to receipt of the single input information provided at the remote device, based on the business type automatically received in parallel with the first computing platform from the communication device, responsive to the quote request, modify a base professional liability form with at least one product feature, and
determine, using the business type, business location, and the at least one product feature, a professional liability premium value,
wherein the second computing platform is configured to process the single input information in parallel with the first computing platform, thereby providing an expedited response to the single input information;
wherein the system is configured to transmit a response to the quote request, the response including the at least first price, the at least first applicable coverage, and the professional liability premium value; and
wherein the system is further configured to:
generate and provide to the remote device, in response to the single input information, a single graphical user interface display showing results from the first and second platforms, including a policy identifier, a price of coverage corresponding to the at least first price, the at least one product feature, and the price based on the professional liability premium value.

US Pat. No. 10,991,051

VEHICLE REPAIR COST ESTIMATE ACQUISITION SYSTEM AND METHOD

8. A communication system comprising:a network server, the network server comprising non-transitory memory and a processor connected to the non-transitory memory, the network server being communicatively connectable to a plurality of computing devices via at least one network;
the plurality of computing devices comprising a first computing device and a second computing device, each of the first computing device and the second computing device comprising non-transitory memory and a processor connected to the non-transitory memory, and wherein the first computing device is a mobile device running a custom client-based application,
wherein the network server is configured to communicate with the first computing device such that the network server is configured to:
store, in a first database accessible to the network server, vehicle information for a plurality of vehicles, vehicle information for each respective vehicle in the plurality of vehicles comprising a vehicle identification number (VIN) associated with a specific year, make, and model of each respective vehicle, and a representation associated with the vehicle, each representation comprising a plurality of selectable damage locations, each selectable damage location corresponding to a portion of the vehicle;
in response to receiving, from the first computing device and via the custom client-based application, a VIN for a damaged vehicle, wherein the first computing device is not pre-loaded with images of the plurality of vehicles and associated vehicle components:
retrieve, from the first database, the vehicle information corresponding to the damaged vehicle to yield the retrieved vehicle information; and
send from the network server to the first computing device, a vehicle image of a vehicle for display in a user interface on the first computing device, the vehicle image displayable by the first computing device via the custom client-based application;
in response to receiving, from the first computing device a damage image of an actually damaged location of the damaged vehicle from the first computing device, and a user input indicating at least one damage location corresponding to a portion of the vehicle image:
create a new repair job record for estimation of a repair of the damaged vehicle to yield the created new repair job record, the created new repair job record associating the retrieved vehicle information and the user input indicating the at least one damage location corresponding to the portion of the vehicle image with the damage image; and
send a communication identifying the created new repair job record to the second computing device located at a site remote from the network server and the first computing device, wherein the new repair job record is immediately accessible by the second computing device prior to the damaged vehicle being present for physical inspection at the site of the second computing device; and
in response to receiving at the network server, from the second computing device, data comprising an estimated cost for repairing the damaged vehicle and an estimated total time to complete the repair, based on the created new repair job record prior to the damaged vehicle being present for physical inspection at the site, store the received data in the new repair job record.

US Pat. No. 10,991,049

SYSTEMS AND METHODS FOR ACQUIRING INSURANCE RELATED INFORMATICS

United Services Automobil...

1. A computer implemented method performed by a computer system, the method comprising:detecting an occurrence of a first trigger event, the first trigger event comprising a first predetermined weather condition;
responsive to detecting the occurrence of the first trigger event:
providing a request to one or more image data sources located at a property to awaken from a low-power mode,
providing a first image capture request to the one or more image data sources;
receiving a first set of image data from the one or more image data sources;
generating a first three-dimensional (3D) model of the property based on the first set of image data;
identifying one or more risk conditions on the property based on a first object analysis of the first 3D model;
providing a notification to a policyholder associated with the property recommending one or more preventive measures to address the one or more risk conditions;
providing a second image capture request to the one or more image data sources;
receiving a second set of image data from the one or more image data sources;
generating a second 3D model of the property based on the second set of image data;
verifying that the preventive measures have been implemented based on a second object analysis of the second 3D model of the property; and
providing, to the policyholder, an adjustment to a policy term for the property based on the verification.

US Pat. No. 10,991,048

CURATED SENTIMENT ANALYSIS IN MULTI-LAYER, MACHINE LEARNING-BASED FORECASTING MODEL USING CUSTOMIZED, COMMODITY-SPECIFIC NEURAL NETWORKS

AGBLOX, INC., Irvine, CA...

1. A method, comprising:ingesting input data comprised of structured data sources and unstructured data sources;
analyzing the input data in a multi-layer machine learning-based model configured to model a commodity state of a selected commodity within a specified future time, by:
classifying the unstructured data sources to identify one or more sentiment predictors of a commodity sentiment for the selected commodity, by extracting content representing one or more pieces of text that is identified as relevant to the selected commodity, constructing a taxonomy of commodity-specific keywords and keyword pairings that together comprise taxonomy members in extracted content, and converting the commodity sentiment into a numerical array comprised of one or more text-based vectors representing a taxonomy signature for the selected commodity,
performing a commodity forecasting algorithm to calculate an initial forecast of the commodity state for the selected commodity within the specified future time, by identifying one or more temporal parameters relative to the selected commodity for the specific future time, and normalizing the numerical array from the unstructured data sources representing the commodity sentiment, and a sequence of discrete-time data points indicative of the historical performance of the selected commodity constructed from the structured data sources, to create a set of classified content for the selected commodity representing a plurality of independent variables influencing the commodity state based on the taxonomy signature,
classifying the taxonomy signature in one or more commodity-specific neural networks configured to adjust the initial forecast of the commodity state for the selected commodity, by identifying relationships between data points in the one or more text-based vectors that produce a particular sentiment, and assigning a text-based vector identified from the taxonomy signature to each node, each neural network having a topology comprised of a plurality of nodes and connections initiated by one or more threshold activation functions; and
augmenting the initial forecast of the commodity state, by:
developing additional, temporally-dynamic sentiment predictors of the commodity state in at least one deep learning meta network applied to tune the one or more commodity-specific neural networks for the selected commodity to further classify the taxonomy signature, by identifying a plurality of indicators of one or more of inter-commodity relationships, inter-entity relationships, or inter-industry relationships from the input data, and classifying specific parameters representing patterns associating the plurality of indicators and the independent variables in the classified content to identify temporally-relevant time periods where the specific parameters influence the commodity state, to adjust the relationships between data points in the one or more text-based vectors that produce a particular sentiment,
curating a further relevance-based taxonomy signature for the selected commodity from the additional, temporally-dynamic predictors, and
modifying input values for the one or more thresholding activation functions in the one or more commodity-specific neural networks based on the further relevance-based taxonomy signature for the selected commodity.

US Pat. No. 10,991,047

SYSTEMS AND METHODS FOR MEASURING RELATIONSHIPS BETWEEN INVESTMENTS AND OTHER VARIABLES

1. A computer-implemented method for displaying and dynamically revising a user interface depicting relationships between each of a plurality of data records, the method comprising:receiving, by a server, an input of a selection of the plurality of data records on a graphical user interface displayed on a client computing device, the plurality of data records comprising at least a first data record and a second data record;
retrieving, by the server, performance data for the plurality of data records from a database;
determining, by the server, how many instances in the performance data for each data record of the plurality of data records a value of the performance data is above an upper threshold or below a lower threshold;
determining, by the server, whether the first data record and the second data record have a positive union or a negative union based on each instance in which the value of the performance data is above the upper threshold or below the lower threshold for both the first data record and the second data record;
calculating, by the server, a relationship between the first data record and the second data record based on the a number of positive unions and a number of negative unions;
generating, by the server, a first revised graphical user interface displaying an indicator for the extent of each relationship between each data record and every other data record in the plurality of data records, including the relationship between the first data record and the second data record;
in response to receiving updated performance data for at least one data record, generating, by the server, a revised relationship between the first data record and the second data record; and
generating, by the server, a second revised graphical user interface comprising a revised indicator corresponding to the extent of each revised relationship between each data record and every other data record, wherein the server dynamically revises, in real time based on the updated performance data, a visual aspect of each revised indicator to represent any positive or negative union that satisfies either the lower threshold or the upper threshold.

US Pat. No. 10,991,046

HOLISTIC TRACKING AND MONITORING OF GOALS

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

1. A financial website system for tracking financial goals of a first individual user and a second individual user of the same household who have at least first and second individual financial goals and at least one joint goal, the system, comprising:a computing device of the first or second individual user having a communications component in electronic communication with the financial website, the website comprising a first financial account associated with the first individual goal and the joint goal and a second financial account associated with the second individual goal, wherein each financial account has a plurality of funding techniques associated with it;
a processor of the computing device that executes the following computer executable components stored in a memory:
an interaction component comprising a graphical user interface (GUI) for entering a set of financial goals including a target funding date for each of the first and second individual financial goals and the joint goal, wherein the GUI allows the first or second individual user to enter data related to the set of financial goals and associate the first individual with the first individual goal and the second individual with the second financial goal and to designate the joint goal as a joint goal;
a goal manager that determines asset allocation strategies for each of the first and second individual financial goals and the joint goal of the set of financial goals based at least in part on the data, wherein the goal manager associates a financial account with each goal;
an aggregation manager that:
aggregates the first financial goal and the second financial goal and the joint goal into a combined goal based at least in part on an attribute for each goal, wherein the attribute comprises at least one of a risk tolerance, an investment horizon, an identification of an individual to which the goal belongs, and an amount of resources already available for the goal, and
aggregates the asset allocation strategies into an overall household level strategy to achieve the combined goal, wherein the combined goal is aggregated on a time-based asset allocation for the first and second financial accounts;
a simulation component that simulates outcomes for the first and second financial goals and the joint goal based on the asset allocation strategies, wherein the simulations determine whether the combined goal is likely to be achieved based on the simulation of the first and second individual goals and the joint goal and based on various events and market conditions, the simulations further comprising use of different funding techniques associated with the first and second financial accounts;
a machine learning and reasoning component that uses an explicitly trained statistical classifier to:
infer whether actions associated with the asset allocation strategies should be implemented, continued, modified or stopped in order to achieve the combined goal based at least in part on data obtained about each financial goal, the attribute for each goal, market conditions, and anticipated market conditions, wherein the inferences are based on actions or events determined by the simulation component;
present to the first or second individual user alternative actions that may increase the likelihood of achieving the combined goal, wherein the alternative actions comprise different asset allocations or funding techniques associated with the first and second financial accounts;
determine which, if any, actions should be performed based on input from the user;
a tracking manager that monitors the overall household level strategy based on actions associated with the asset allocation strategies for each financial goal of the set of financial goals and implements a change to at least one asset allocation strategy of the respective asset allocation strategies based on the monitoring and the inference by the reasoning component;
an update manager that selectively reallocates funds among the financial accounts associated with at least one of the individual financial goals of the set of individual financial goals based on the change to the at least one asset allocation strategy; and
an interface component that outputs a representation that includes actions associated with the asset allocation strategy for each financial goal of the set of financial goals, wherein the representation is selectable from a holistic view of the set of financial goals, a view for a single goal among the set of financial goals, or a view of a combination of two or more goals among the set of financial goals.

US Pat. No. 10,991,045

BLOCKCHAIN-BASED SETTLEMENT METHOD, APPARATUS, AND ELECTRONIC DEVICE

Advanced New Technologies...

1. A computer-implemented method for blockchain-based settlement, comprising:monitoring, by a payment system connected to a blockchain, a payment settlement request transaction of a payee system, wherein the blockchain maintains a payment transaction linked list and a payment write-off transaction linked list,
the payment transaction linked list comprises a series of payment transactions that have been stored on the blockchain according to a payment order, and each of the series of payment transaction comprises a hash index pointing to a previous payment transaction according to the payment order in the payment transaction linked list; and
the payment write-off transaction linked list comprises a series of payment write-off transactions that have been stored on the blockchain in a payment write-off order, and each of the series of payment write-off transactions comprises:
a first hash index pointing to a previous payment write-off transaction according to the payment write-off order in the payment write-off transaction linked list, and
a second hash index pointing to a payment transaction corresponding to the payment write-off transaction;
in response to detecting the payment settlement request transaction:
obtaining a target payment transaction corresponding to a last node of the payment transaction linked list, wherein the target payment transaction comprises an accumulated value corresponding to accumulation of unsettled transactions up to the target payment transaction in the payment transaction linked list; and
obtaining a target payment write-off transaction corresponding to a last node of the payment write-off transaction linked list, wherein the target payment write-off transaction comprises an accumulated value corresponding to accumulation of unsettled transactions up to the target payment write-off transaction in the payment write-off transaction linked list;
determining whether an accumulated value in the target payment transaction is identical to an accumulated value in the target payment write-off transaction; and
in response to determining that the accumulated value in the target payment transaction is identical to the accumulated value in the target payment write-off transaction, performing fund settlement based on the accumulated value in the target payment transaction or the accumulated value in the target payment write-off transaction.

US Pat. No. 10,991,044

STOCK PRICE FORECAST ASSIST SYSTEM AND METHOD

1. A stock price forecast assist system comprising:a server with a processor configured to calculate the stock price forecast using a user's forecast value formulated by the user of a company's performance so that the stock price forecast incorporates both the company's current and past performances and stock prices, and the user's forecast value;
a client configured to transmit the user's forecast value of the company's performance to the server; and
a database configured to store the company's current and past performances and stock prices, which are retrievable by the server,
wherein the server is configured to calculate the stock price forecast in response to a transmission of the user's forecast value by:
retrieving from the database a past performance of the company within a predetermined range from the user's forecast value received from the client, and a stock price at the time,
calculating a multiple using the retrieved past performance and the stock price,
calculating a theoretical stock price using the user's forecast value and the multiple, and
transmitting an alert to the client if the current stock price retrieved from the database deviates from the theoretical stock price by a predetermined value or more, wherein the alert includes at least one of a deviation value computed by the processor or a message recommending the stock of the company generated according to the deviation value.

US Pat. No. 10,991,043

DISTRIBUTION OF MARKET DATA

Chicago Mercantile Exchan...

1. A computer implemented method of efficiently distributing key-value data from a sending computer device to a plurality of receiving computer devices, the method comprising:generating, by the sending computer device, a first message template generated by the sending computer device and defining a first plurality of keys of a plurality of key-value pairs, the template further defining a first order in which each of the values must be received to be associated with the corresponding key of the key-value pair, the first message template operative to be stored in a memory of each of the plurality of receiving computer devices as a message parsing template for use in parsing data messages subsequently received by the receiving computer device from the sending computer device;
transmitting, by the sending computer device to at least one of the plurality of receiving computer devices via network, the first message template to be stored in the memory thereof as the message parsing template;
transmitting, by the sending computer device via the network to the at least one receiving computer device separate from and subsequent to the first message template, a plurality of data messages each comprising only the values for each of the plurality of keys defined by the stored message parsing template, the values being ordered in the data message in the order defined by the stored message parsing template; and
wherein the at least one receiving computer device is enabled to parse each of the plurality of data messages to extract the values as ordered in the data message and associate each extracted value with one of the plurality of keys of the stored message parsing template according to the defined order.

US Pat. No. 10,991,042

SYSTEM AND METHOD FOR ADAPTIVE INFORMATION DISSEMINATION

Nasdaq Technology AB, St...

10. A method implemented on a computer system, the method comprising the steps of:storing, by a processor, a first set of data including one or more elements, wherein the one or more elements in the first set of data are data processing requests or data processing execution results input or generated by the computer system;
determining, by the processor, an input relating to a load associated with an operation of the computer system;
filtering, by the processor, the first set of data to extract, based on the input relating to the load associated with the operation of the computer system, a second set of data from the first set of data, thereby leaving a remaining set of data, wherein:
the second set of data includes one or more elements,
the one or more elements in the second set of data are data processing requests or data processing execution results input or generated by the computer system,
the remaining set of data includes one or more elements, and the one or more elements in the remaining set of data are data processing requests or data processing execution results input or generated by the computer system;
preparing electronic messages for transmission over a communications network to a plurality of remote user terminals, wherein the electronic messages contain the second set of data but do not contain the remaining set of data; and
controlling, by the processor, a frequency at which the electronic messages containing the second set of data are transmitted over the communications network based on the input relating to the load associated with the computer system.

US Pat. No. 10,991,041

NEXT-GENERATION ENERGY MARKET DESIGN AND IMPLEMENTATION

OPEN ACCESS TECHNOLOGY IN...

1. A method using smart grid technologies that bring in distributed, decentralized grid asset data and information into for the next generation of electricity market systems, said next generation of electricity market system that supporting competitive trading of electric energy and ancillary services within day-ahead and real-time market operation frameworks consisting of the following steps, which are a combination of known process steps, accomplished through any means currently known in the art, and novel steps:a) Novel Trading platform facilitating market executions, auditing re-runs and study analysis comprising information storages and archival, wherein workspaces support system execution in operation and study environments;
b) Modeling of energy storage resources with notification times and inter-temporal parameters comparable with market timeline;
c) Novel Workflow controller facilitating solution sequences and iteration procedures, wherein said workflow controller to facilitate and manage system solution sequences;
d) Topology Processor determining network topology;
e) Pre-Processor validating market input data;
f) SCUC engine optimizing resource commitments and awarded quantities of market commodities;
g) SCED engine optimizing awarded quantities of market commodities respecting optimal resource commitments;
h) NA engine formulating transmission constraints;
i) Novel Pricing engine determining awarded market commodity settlement prices, and
j) Novel Post-Processing validating and delivering market clearing and pricing outcomes to downstream systems.

US Pat. No. 10,991,040

SYSTEM AND METHOD FOR OPTIMIZING COLLATERAL MANAGEMENT

THE BANK OF NEW YORK MELL...

1. A computer system for facilitating transaction-subset-assignment of computer processing nodes to perform collateral allocation, the computer system comprising:a database comprising collateral allocation rules associated with a lender for a tri-party agreement; and
one or more processors, located remotely from the database, programmed with computer instructions that, when executed by the one or more processors, cause the computer system to:
perform a query to obtain a set of transactions;
selecting, from a set of available nodes, a plurality of computer processing nodes available for performing collateral allocations for transactions obtained via the query, wherein the computer processing nodes are computer processors;
obtain, from the database, the collateral allocation rules associated with the lender, the collateral allocation rules comprising an auto cash rule; and
cause each of the computer processing nodes to perform collateral allocations for one subset of the set of transactions in accordance with the collateral allocation rules by assigning transactions of the set of transactions respectively to the computer processing nodes such that the computer processing nodes collectively perform collateral allocations for the set of transactions,
wherein each of the computer processing nodes is configured to:
transmit one or more parameter updates to be provided to other ones of the computer processing nodes; and
perform its respective collateral allocation based on one or more parameter updates transmitted by the other ones of the computer processing nodes.

US Pat. No. 10,991,038

ELECTRONIC DOOR ACTUATOR AND CONTROLLER

Whiteboard, LLC, Reno, N...

1. A door comprising:a body;
an access control device entirely concealed within the body, the access control device comprising;
a power-over-ethernet coupling;
a controller powered by the power-over-ethernet coupling; and
a wireless receiver in communication with the controller and powered by the power-over-ethernet coupling; and
an actuator entirely concealed within the body of the door, the actuator in communication with the access control device;
wherein the controller is configured to:
receive, via the power-over-ethernet coupling, a signal from an occupancy detection system configured to continually track a location of an electronic device relative to the door, the electronic device associated with a customer, and the signal comprising an instruction to the actuator to open the door after the wireless receiver determines that the electronic device is in proximity of the wireless receiver;
instruct the actuator to open the door after the wireless receiver of the access control device determines that the electronic device is in proximity of the wireless receiver; and
send an instruction to automatically initiate billing of the customer in response to, and after, the door is opened by the actuator.

US Pat. No. 10,991,037

ANALYZING TRACKING REQUESTS GENERATED BY CLIENT DEVICES BASED ON METADATA DESCRIBING WEB PAGE OF A THIRD PARTY WEBSITE

Facebook, Inc., Menlo Pa...

1. A computer-implemented method comprising:receiving, by an online system, a plurality of tracking requests from a client device, each tracking request generated responsive to the client device presenting a user interface received by the client device from a third party website, the client device configured to execute instructions to cause one or more tracking requests to be generated, the instructions executed by the client device when the client device renders a webpage received from the third party web site, the webpage including one or more metadata attributes;
storing, by the online system, the one or more metadata attributes received via the plurality of tracking requests;
receiving, by the online system, a new tracking request from a client device associated with a user, wherein the instructions, when executed by the client device associated with the user, populate a value of a particular parameter of the new tracking request;
identifying, by the online system, a plurality of previous tracking requests received before the new tracking request, wherein the plurality of previous tracking requests comprises information describing search requests performed by the user and information describing a particular item returned in a search request;
comparing, by the online system, metadata attributes extracted from the plurality of previous tracking requests and metadata attributes extracted from the new tracking request;
determining, based on the comparing, that the particular parameter is populated with an unexpected value in the new tracking request;
determining that the particular parameter of the new tracking request is at least one of an item category, an item price, an item rating, or an item brand of the particular item;
determining, by the online system, an expected value of the particular parameter based on the metadata attributes extracted from the plurality of previous tracking requests;
annotating, by the online system, the data of the new tracking request with the determined expected value of the particular parameter;
generating, by the online system, a report based on the annotated data of the new tracking request; and
sending, by the online system, the generated report for presentation.

US Pat. No. 10,991,035

LISTING AND LOCATION APPLICATION

1. A listing and location application, the application comprising:a mobile device having a processor operably connected to a memory;
wherein the memory stores an application to be run by the processor of the mobile device;
the application comprises a listing function, wherein a list of products is entered and stored;
a location program that displays localized locations within the application;
wherein the location program will display locations of interest; and
wherein the location program will redact specified locations;
a correlation system that will receive a location from a GPS system and display a correlated map.

US Pat. No. 10,991,034

STYLIST LOCATOR

1. A computer-implemented method for automatically scheduling and invoicing for appointments at remote locations, comprising the steps of:receiving specifications from a customer's smart phone regarding services desired in the location designated by the GPS in the smart phone and storing this information in a first memory location;
receiving a list of services and location based prices from available stylists and storing this information in a second memory location;
generating, with a processor, a list of stylists by comparing the information in the first memory location with the information in the second memory location and storing this information in a third memory location;
receiving the customers selection for a stylist;
calculating, with a processor, the current cost for the selected stylist based on the current location of the customer's smart phone as determined by its GPS;
transmitting an appointment request to the local stylist;
monitoring, by a GPS receiver on a host computer system, a GPS transmitter on the stylist's smart phone and a UPS transmitter on the customer's smart phone:
determining the location of where the services were performed based on the monitoring;
determining if an appointment took place by determining if the smart phones of the customer and stylist were in close proximity;
calculating with a timer unit on the host computer system the time it required for a stylist to travel from her base location to a customer's smart phone location to perform the services;
calculating with a timer unit on the host computer system the time it required for a stylist to travel from the customer's smart phone location where the services were performed back to her base location;
recalculating the cost for the services based on the location of where the services were performed;
calculating, with a processor, the cost for the services performed based on the location of the customer's smart phone as determined by their GPS when the services were performed;
generating an invoice based on the cost of the services; and
transmitting an invoice for the services performed to the customer.

US Pat. No. 10,991,031

SYSTEM AND METHOD FOR PROVIDING COMMERCIAL FUNCTIONALITY FROM A PRODUCT DATA SHEET

Bluesky Datasheets, LLC, ...

1. A computer-implemented electronic commerce system, comprising:a primary product information display system including a computer processor, memory, an input device and an output device and configured to implement a product ordering method, including
receiving a product search inquiry from the input device,
displaying a plurality of products in a product listing available for purchase based on the product search inquiry on the output device,
receiving a selection of a product from the product listing, and displaying a first product information page including at least a product name, a product price, general product information, a first product ordering link for accessing a product ordering interface and a product datasheet display link; and a secondary product information display system configured to display a functional product datasheet based on a selection of the product datasheet display link, the functional product datasheet including
a standard product datasheet, implemented as a static document, including the product name, the general product information and product technical information and
a functional display added to the standard product datasheet without modifying the standard product datasheet and having at least one of a second product ordering link for accessing the product ordering interface and an inventory reporting display.

US Pat. No. 10,991,029

BACKGROUND CONTENT SUGGESTION FOR COMBINATION WITH IDENTIFIED ITEMS

Adobe Inc., San Jose, CA...

1. In a digital medium environment to suggest replacement background content for an item depicted in digital visual content, a method implemented by at least one computing device, the method comprising:identifying a plurality of content items available for suggesting as replacement backgrounds for an item depicted in digital visual content;
computing scene compatibility scores for the content items based on tags describing visual characteristics of the content items and tags describing the visual characteristics of the item depicted in the digital visual content;
determining a first set of dominant colors for each of the content items;
determining a second set of dominant colors for each of the content items based on a modified version of a respective content item that incorporates the item from the digital visual content;
computing color compatibility scores for the content items based on the first and second sets of dominant colors;
computing combined compatibility scores for the content items based on a combination of the scene compatibility scores and the color compatibility scores; and
surfacing at least one of the content items as a suggested replacement background for the item depicted in the digital visual content based on the combined compatibility scores.

US Pat. No. 10,991,028

PRODUCT COLLECTIONS GROUPED UNDER A SINGLE PRODUCT IDENTIFIER

Amazon Technologies, Inc....

1. A method comprising:receiving, by one or more computer processors coupled to at least one memory, a search query from a user device;
determining, by the one or more computer processors, search results comprising one or more products associated with the search query;
sending, by the one or more computer processors, the search results to the user device;
receiving, by the one or more computer processors, an indication of a selection of a first product of the one or more products from the user device, the first product having a first product identifier;
identifying, by the one or more computer processors, based at least in part on the first product identifier, a first product collection, the first product collection having a first product collection identifier and including a first group of products associated with a themed event, wherein the first product collection identifier differs from product identifiers of respective products in the first group of products, wherein determining the first product collection comprises:
determining a second product collection, wherein the second product collection includes a second group of products associated with the themed event, wherein the themed event is associated with the selection of the first product;
automatically determining a second product to combine with the second group of products, wherein the second product and the second group of products are related by the themed event; and
determining the first product collection using the second product and the second group of products, wherein the first product collection is associated with the themed event;
generating, by the one or more computer processors, a product detail page for the first product, the product detail page including the first product collection; and
sending, by the one or more computer processors, to the user device, the product detail page.

US Pat. No. 10,991,027

METHOD, MEDIUM, AND SYSTEM FOR UPGRADE RECOMMENDATIONS FOR VIRTUAL SHOPPING CARTS

SONY INTERACTIVE ENTERTAI...

1. A computer-implemented method for presenting content upgrade recommendations, the method comprising:authenticating a user associated with a user device for an online store of a content delivery system;
searching a database of the online store to identify stored information regarding one or more affiliates of the user, wherein each of the affiliates is associated with the user via one or more online platforms;
receiving, from the user device, a user selection of a first version of a content item from a graphical display of the online store to an online cart, wherein the first version of the content item is associated with a first version identifier;
identifying one or more upgrade versions of the content item based on the first version identifier, wherein each of the upgrade versions is associated with a respective version identifier;
providing an interstitial upgrade offer graphical display regarding the first version and the upgrade versions, the interstitial upgrade offer graphical display including a recommendation that prioritizes one of the first version and the upgrade versions based on the stored information regarding the affiliates of the user;
receiving input that selects one of the upgrade versions from the online store from the interstitial upgrade offer graphical display; and
seamlessly replacing the first version in the online cart with the upgrade version selected from the interstitial upgrade offer graphical display without requiring the user to remove the first version.

US Pat. No. 10,991,026

PRODUCT RECOMMENDATIONS BASED ON ITEMS FREQUENTLY BOUGHT TOGETHER

Home Depot Product Author...

1. A method of providing purchase recommendations to a user, comprising:receiving, from a user, a selection of a product through an electronic user interface;
determining a delivery channel that is available for the selected product based on information stored in association with the selected product, the determined delivery channel selected from two or more delivery channels, wherein a given delivery channel is associated with a unique pair of source location and destination;
retrieving, from a storage device, a list of additional items that are associated with the product as being frequently purchased with the product, each additional item being associated with a respective one or more available delivery channels;
determining, by a processor, that at least a first one of the additional items is available in the delivery channel of the selected product based on the first at least one additional item being associated with the delivery channel of the selected product;
determining, by the processor, that at least a second one of the additional items is not available in the delivery channel of the selected product based on the second at least one additional item not being associated with the delivery channel of the selected product; and
presenting, on the electronic user interface, in response to the selection of the product from the user, the selected product and the first at least one additional item that is available for delivery in the delivery channel of the selected product.

US Pat. No. 10,991,025

SYSTEM AND METHOD FOR PROVIDING FOOD TAXONOMY BASED FOOD SEARCH AND RECOMMENDATION

Grubhub Holdings, Inc., ...

1. A computer-implemented method of maintaining and using a dish hierarchy for menu management and food ordering, comprising:creating, by a processor, a dish hierarchy having multiple dish nodes at a plurality of levels,
each dish node having one or more properties corresponding to one or more of a common plurality of attributes,
receiving, by the processor, a plurality of menu items, each menu items having a set of values corresponding to a set of the common plurality of attributes,
the plurality of menu items including a first menu item from a first restaurant communication device and a second menu item from a second restaurant communication device;
mapping the first menu item and the second menu item to a specific dish node in the dish hierarchy;
receiving a set of search terms from a diner communication device;
identifying a list of dish nodes of the multiple dish nodes having properties matching the set of search terms,
the list of dish nodes including the specific dish node;
causing presenting by the diner communication device a graphical user interface (GUI) configured to show data related to a list of menu items mapped to the list of dish nodes and a list of attributes of the common plurality of attributes for user selection,
the list of attributes being used to filter the list of menu items;
receiving a food order including the first menu item from the diner communication device;
sending the food order to the first restaurant communication device.

US Pat. No. 10,991,024

STRUCTURED ITEM ORGANIZING MECHANISM IN E-COMMERCE

eBay Inc., San Jose, CA ...

1. A system comprising:one or more computer processors;
one or more computer memories;
one or more back-end structured item organizing modules incorporated into the one or more computer memories, the one or more back-end structured item organizing modules associated with a front-end category mapping system and configuring the one or more computer processors to process a use case request and to perform operations comprising:
receiving the use case request, the use case request identifying an item for classification by the one or more back-end structured item organizing modules;
identifying a use case from the use case request;
selecting a listing bucket from a plurality of listing buckets of the one or more back-end structured item organizing modules, the selected listing bucket corresponding to the use case based on a set of attribute values included in the use case request; and
causing a user interface of the front-end category mapping system to display one or more item characteristics associated with items categorized within the selected listing bucket.

US Pat. No. 10,991,023

MULTIPLE FORMAT SEARCH RESULT SETS

eBay Inc., San Jose, CA ...

1. A system comprising:one or more processors;
one or more memories; and
a set of instructions incorporated into the one or more memories, the set of instructions configuring the one or more processors to perform operations comprising:
in response to receiving a search query, causing a user interface for a search results page to be presented on a client device, the user interface including a first section and a second section, the first section associated with a first time period and the second section associated with a second time period, the second time period being after the first time period, the generating of the user interface including:
identifying a first set of listings to include in the first section, the identifying based on one or more designated criteria for automatically transferring each of the first set of listing to the second section not having been met;
identifying a second set of listings to include in the second section, the identifying based on the one or more designated criteria having been met, wherein sales prices associated with the second set of listings are reduced by a predetermined amount over the second time period; and
generating the user interface, the generating including associating an icon with each of the second set of listings to indicate the transferring of the second set of listings to the second section.

US Pat. No. 10,991,022

SYSTEMS AND METHODS TO PROVIDE SEARCH RESULTS BASED ON TIME TO OBTAIN

eBay Inc., San Jose, CA ...

1. A method comprising:receiving, via a mobile device, a search query, the search query including a current location of the mobile device and a user-selected mode of transportation;
identifying a set of search results based on the search query, the set of search results including a plurality of listings, each listing of the plurality of listings having an associated location;
calculating, based on the current location of the mobile device, a travel time for each listing of the plurality of listings, the travel time for each listing of the plurality of listings being the amount of time to travel from the current location to the location associated with each of the plurality of listings using the user-selected mode of transportation; and
providing the set of search results for display at the mobile device in a sort order, the sort order based on the travel time of each of the plurality of listings.

US Pat. No. 10,991,021

PROVISIONING MEDICAL RESOURCES TRIGGERED BY A LIFECYCLE EVENT

MDSAVE SHARED SERVICES IN...

1. An apparatus, comprising:a processor;
a user interface, operably coupled with the processor; and,
a memory, operably coupled with the processor, wherein the memory encodes processor executable program instructions and data to program and configure the processor to cause the apparatus to perform operations comprising:
receive an electronic message comprising an EHR (Electronic Health Record) encoding updated patient medical data;
determine the current patient lifecycle state based on the EHR;
determine if a patient lifecycle event occurred, based on comparing a historical patient lifecycle state with the current patient lifecycle state; and,
in response to determining a patient lifecycle event occurred:
determine medical services to be offered to the patient, wherein the medical services are not contraindicated for the patient based on the lifecycle event and the patient medical history determined as a function of the EHR;
present the medical services to be offered to the patient in the user interface for selection as a function of available service location and available service time; and,
automatically present the selected services to the patient in the user interface for prepayment.

US Pat. No. 10,991,020

NETWORK-BASED MARKETPLACE SERVICE FOR FACILITATING PURCHASES OF BUNDLED SERVICES AND PRODUCTS

MDSAVE SHARED SERVICES IN...

1. An apparatus comprising:a database server communicatively coupled to an application server, a data store and a machine learning server;
the application server comprising: a customer portal; and a provider portal; the application server providing a network service to a plurality of users through a plurality of client systems via a communication network, the network service being accessible via a graphical user interface provided by a client application implemented on each of the client systems;
the data store maintained by the application server comprising: a service offer database storing a bundled set of healthcare service offers linked to at least one of:
a customer profile database configured to register users thereby providing user's personal information for purchasing healthcare services;
a physician profile database configured to register and maintain records of individual physician offering healthcare services;
a condition information database configured to register and maintain information records for various health conditions and diseases for which corresponding healthcare services are offered;
a hospital system profile database configured to register and maintain account information records for hospital system administrators providing pre-paid healthcare services;
an available service database configured to register and maintain records of various healthcare services offered by at least one of: a physician; and a hospital; and
a transaction information database to maintain records of purchases made by registered users;
the machine learning server instructs the service offer database to store each healthcare service provider service corresponding to the user selection and displays the bundled set of service offers via the graphical user interface that matches the users' selection;
the customer portal allows the user to select a healthcare service offer from the bundled set of service offers for purchase pre-paid by the user via the graphical user interface on a selected date, time and location;
the service offer database processes the information retrieved from the user and displays a pre-paid purchase price for the associated service offer, an indication of a corresponding healthcare provider for the healthcare service, a corresponding payment amount for the healthcare service,
the provider portal upon receiving purchase information from the user to purchase the selected pre-paid healthcare service offer issues a request to render a voucher for the pre-paid healthcare service that has already been purchased, the voucher comprising a description of the purchase specifying the corresponding healthcare provider for the healthcare service for the purchased service offer redeemable from the corresponding healthcare service provider, wherein the voucher is for purchase of a bundled set, and wherein for each purchase in the bundled set for which a prescription is required, the voucher does not become valid until a prescription has been received and verified.

US Pat. No. 10,991,019

RADIO CHANNEL CONTROL METHOD, TRAFFIC PACKAGE TRADING AND RECOMMENDING METHODS, AND RELATED DEVICE

Huawei Technologies Co., ...

1. A radio channel control method comprising:collecting, by a traffic trading platform, a real-time user experience index for enabling a first user terminal to access a media service provided by a server in a defined time period of an ordered traffic package,
wherein the real-time user experience index comprises a real-time mean opinion score (MOS) or a quality of service (QOS) value, and
the ordered traffic package is a traffic package bought by the first user terminal from a second user terminal;
collecting, by the traffic trading platform, a media service transmission parameter of the media service provided by the server;
determining, by the traffic trading platform, whether the real-time user experience index is lower than a user experience index defined in a user experience level of the ordered traffic package;
in response to determining the real-time user experience index is lower than the user experience index,
obtaining, by the traffic trading platform, a first radio channel parameter that is required by the user experience index by using the real-time user experience index and the media service transmission parameter; and
transmitting, by the traffic trading platform, the first radio channel parameter to a core network device to enable the core network device to adjust, according to the first radio channel parameter, a second radio channel parameter used by the first user terminal when accessing the media service.

US Pat. No. 10,991,017

METHODS AND SYSTEMS FOR PROVISIONING OF CUSTOMER PRODUCT

Telefonaktiebolaget LM Er...

1. A method of product provisioning performed by a communications node, the method comprising:for each of a plurality of entities of a product, determining whether the entity is an eligible entity of a globally updateable product based on at least one of checking whether there is a static activation period of at least a predetermined duration associated with the entity and determining whether an amount of personal data on the entity is less than a predetermined threshold;
generating a global entity instance for each eligible entity of the product, wherein the database contains information indicating a plurality of users who are each contracted to the product;
saving the global entity instance of a product instance for each eligible entity of the product in the database, wherein each global entity instance is stored associated with the users indicated to be contracted to the product;
generating a local entity instance for each ineligible entity of the product; and
saving each local entity instance for each ineligible entity of the product in the database, wherein each of the local entity instances is stored associated with only one of the users indicated to be contracted to the product, and wherein the global and local entity instances form the product instance in the database; and
performing a global update of the globally updatable product by provisioning in the database a single updated product instance containing updated global entity instances stored in the database each associated with the users indicated to be contracted to the product.

US Pat. No. 10,991,016

SYSTEM AND METHOD FOR REAL-TIME INTEGRATED CREDIT CARD MANAGEMENT

Blackbaud, Inc., Charles...

1. A computerized method for managing a plurality of credit card transactions, the method comprising:providing, with an application server via a communications network, remote access to a graphical user interface to one or more users, the one or more users comprising a cardholder user, an approver user and an accounts payable user;
inputting, by the one or more users via the graphical user interface, a plurality of credentials associated with one or more credit card accounts;
receiving, with the application server via the communications network, the plurality of credentials associated with one or more credit card accounts;
establishing, with the application server via an application programming interface, a communications interface between at least one financial institution database and at least one application database, wherein the at least one financial institution database is associated with the one or more credit card accounts;
communicating in real-time, via the application server executing the application programming interface, credit card transaction data from the at least one financial institution database to the at least one application database;
storing the credit card transaction data in the at least one application database, the at least one application database being integrated with at least one financial accounting application, the at least one financial accounting application being operable to configure a plurality of accounts payable parameters within the at least one application database, and communicate accounts payable data to the at least one application database;
displaying, to the accounts payable user via the graphical user interface, an integrated view of the credit card transaction data, the accounts payable data according to the plurality of accounts payable parameters, and a vendor record;
inputting, by the accounts payable user via the graphical user interface, one or more data inputs comprising one or more data entry or coding input for the credit card transaction data; and
providing, with the application server in response to receiving the one or more data inputs by the accounts payable user, one or more real-time budget control or real-time transaction report to the one or more users via the graphical user interface.

US Pat. No. 10,991,015

CONSUMER CONTROLLED PORTFOLIO CHARITABLE GIVING SYSTEM

Change Up Inc., Wilmingt...

1. A donation facilitation system comprising:a server programmed and configured to host a payment system, wherein the server comprises a portfolio of customer vetted charities, and wherein the server also comprises a portfolio of retailer vetted charities;
a mobile device of a customer in communication with the server that is configured to present the customer an opportunity to make an electronic payment into the payment system of a price charged by a retailer for a good or service,wherein the mobile device presents a customer contribution option that allows the customer to make a customer contribution amount to the customer portfolio of vetted charities;a challenge from the customer to the retailer to match or exceed the customer contribution amount to the customer portfolio of vetted charities;
an electronic device of the retailer that is in communication with the server and allows the retailer to access the customer portfolio stored in the server to determine if one or more of the multiple vetted charities in the customer portfolio are vetted charities to which the retailer would like to contribute; and
a retailer contribution made by the retailer to the customer portfolio in response to the challenge.

US Pat. No. 10,991,014

TEMPLATES AND EVENTS FOR CUSTOMIZABLE NOTIFICATIONS ON WEBSITES

Solstice Equity Partners,...

1. A method for notification generation for a website, comprising:(a) receiving, by a server from a content delivery network, a request to create an event based on event data pertaining to a first user's interaction with a first instance of a website at a first client device;
(b) in response to the request to create the event, creating, by the server, the event to comprise event parameters based on the event data, the event parameters comprising an identifier for the event, a template reference to a template for a notification message, one or more variable values, a timestamp, and a website identifier associated with the website;
(c) in response to the creation of the event, sending, by the server to the content delivery network, a request to expire any event data currently stored in a cache at the content delivery network;
(d) storing, by the server, the event in an events database;
(e) in response to the request to expire from the server, expiring event data currently stored in the cache by the content delivery network;
(f) receiving a first request for events stored in the events database and associated with the website identifier, from a second browser at a second client device displaying a second instance of the website, by the content delivery network;
(g) responsive to the first request being a next request for events after the expiration of the cache, sending the first request to the server by the content delivery network;
(h) responsive to receiving the first request, finding, by the server, the event in the events database associated with the website identifier;
(i) finding, by the server, the template stored in a templates database and associated with the template reference in the event parameters of the event, the template comprising a message structure for the notification message;
(j) determining, by the server, that the message structure in the template comprises one or more template variables and one or more message keys;
(k) finding, by the server in a custom event fields database, one or more custom event fields comprising an event identifier matching the identifier for the event, each matching custom event field comprising a key-value pair;
(l) for each template variable in the message structure, replacing, by the server, the template variable with a corresponding variable value in the event parameters;
(m) for each message key in the message structure:
(m1) matching, by the server, the message key to a key of a given key-value pair in a given custom event field of the one or more custom event fields, and
(m2) replacing, by the server, the message key with a value of the given key-value pair;
(n) sending an event object to the second browser, by the server through the content delivery network, the event object comprising a message comprising the variable values replacing the message variables, a link, and the timestamp from the event parameters, the message further comprising the values in the one or more custom event fields replacing the one or more message keys, the message used by the second browser to create the notification message for display on the second instance of the website at the second client device;
(o) storing the event object in the cache by the content delivery network;
(p) receiving a second request for events associated with the website identifier after the first request, from a third browser at a third client device displaying a third instance of the website, by the content delivery network; and
(q) responding to the second request using the event object stored in the cache, by the content delivery network, without sending the second request to the server.

US Pat. No. 10,991,012

CREATIVE BRIEF-BASED CONTENT CREATION

Adobe Inc., San Jose, CA...

1. In a digital medium environment to support digital content creation based on a creative brief, a method implemented by at least one computing device, the method comprising:receiving, by the at least one computing device, a creative brief including data describing a digital content creation project;
standardizing the creative brief to have a format according to a creative brief schema associated with a particular service provider to form a standardized creative brief, the creative brief schema deployed by the particular service provider in connection with providing a service supporting digital content creation in a digital content editing application by using standardized creative briefs;
generating, by the at least one computing device, a brief-based prediction regarding how a current version of digital content, while the current version of digital content is being modified within the digital content editing application, is predicted to perform with an audience of client device users, the current version of digital content being modified in connection with the digital content creation project, the brief-based prediction generated using machine learning and based on the data describing the digital content creation project from the standardized brief; and
generating, by the at least one computing device and based on the brief-based prediction, additional digital content for presentation via the digital content editing application at a client device while the current version of the digital content is being modified.

US Pat. No. 10,991,011

METHOD FOR MAKING A PROFIT USING INDIVIDUAL SHOPS, AND SYSTEM AND RECORDING MEDIUM

1. A non-transitory computer-readable recording medium having stored thereon a computer program for executing a method for displaying an advertisement, comprising the steps of:(a) on the basis of media analysis information for each of a plurality of display units installed in a plurality of private shops located in a plurality of places and properties of an advertisement provided from an advertisement provider terminal, searching, by means of an information providing server, for display units suitable for displaying the advertisement from among the plurality of display units;
(b) when the advertisement provider terminal selects at least one display unit from among the searched display units, transmitting the advertisement to the at least one selected display unit by means of the information providing server;
(c) displaying the advertisement by means of the at least one selected display unit;
(d) by means of the information providing server, calculating an advertisement fee for the advertisement and determining at least a portion of the calculated advertisement fee as a profit of an entity who has provided the at least one selected display unit; and
(e) transmitting the information on the portion of the calculated advertisement fee to a device of the entity in response to determining the portion of the calculated advertisement fee as the profit of the entity,
wherein in step (a), the information providing server searches for display units suitable for displaying the advertisement on the basis of an associative relation between at least one of the properties of the advertisement and the advertisement fee, and a media analysis evaluation score of each of the plurality of display units,
wherein a display unit installed in a private shop dealing with properties different from the properties of an advertisement is given a greater associative relation value with respect to the advertisement than another display unit installed in another private shop dealing with properties matching with the properties of the advertisement,
wherein the media analysis evaluation score is derived on the basis of the media analysis information for each of the plurality of display units and given to each of the plurality of display units, and
wherein the media analysis information includes at least one of information on a location of each of the plurality of display units, information on an installation space of each of the plurality of display units, information on a target audience of each of the plurality of display units, and information on types of advertising materials of each of the plurality of display units.

US Pat. No. 10,991,010

SOCIAL GRAPH AGGREGATION SYSTEMS AND METHODS

KiddoZip, LLC, Boston, M...

1. A computer program product embodied on a non-transitory computer readable medium having computer readable instructions executable by one or more computer processors configured to leverage a social graph of a social network system including:processing a privacy request, from a guardian computing device, to prevent a social network system from mining private electronic data from the guardian computing device on the social network system via a network session opened by an internet browser-plugin executing at a guardian computing node by:
opening the network session at a session layer at the social network system using the internet browser-plugin executing at the guardian computing node;
creating a unique id of a graph object to which a row in a private social graph integration system database corresponds, the graph object storing the private electronic data including private electronic data about a minor;
creating an anonymous hash of the graph object, such that hash of the graph object results in scrubbed private electronic data;
updating a social graph of the social network system to include a pointer to the unique id of the graph object corresponding to the private electronic data; and
interfacing with the social graph at the social network system to authorize a plurality of user accounts in the social network systems to receive an update relating to the scrubbed private electronic data; and
interfacing with the social graph at the social network system to broadcast the update relating to the scrubbed private electronic data to the plurality of authorized user accounts in the social network system;
in response to receiving a request, from a third party computing device associated with one of the plurality of authorized user accounts, for access to the scrubbed private electronic data at the social graph of a social networking site, preparing at least one network packet via an internet network interface with network permissions associated with the third party computing device request;
administering electronic privacy constraints restricting the request to access the private electronic data via a computer network;
extracting the scrubbed private electronic data;
providing, from the private social graph integration system database, the private electronic data to the third party computing device;
transforming the private electronic data according to a privacy protocol based on the privacy constraints to scrub the private electronic data of personally identifying information;
providing the transformed scrubbed version of the private electronic data from the private social graph integration system database to one or more ecommerce partner servers;
receiving, from the one or more ecommerce partner servers, a filtered set of data identified through use of the transformed scrubbed version of the private electronic data;
generating a custom graphical user interface for the third party computing system based on the private electronic data and the filtered set of data; and
providing the generated custom graphical user interface to the third party computing device.

US Pat. No. 10,991,009

METHODS AND APPARATUS FOR CONTEXT-SPECIFIC CONTENT DELIVERY

Time Warner Cable Enterpr...

1. A computerized method of providing secondary digital content that is contextually related to primary digital content to a computerized user device via a content delivery network, the computerized method comprising:collecting, via a server apparatus of the content delivery network, a plurality of user data, the plurality of user data comprising one or more of (i) historical user activity data or (ii) user profile data;
based at least in part on receiving data indicative of a user request for the primary digital content, the request issued from the computerized user device:
identifying data indicative of a plurality of search terms from the plurality of user data, each of the plurality of search terms relating to at least one of (i) the computerized user device or (ii) a user of the computerized user device, and configured for targeting of secondary digital content thereto; and
generating a search string utilizing one or more of the plurality of search terms;
providing the search string to a computerized search entity for a search of a database of secondary digital content, the search producing a plurality of secondary digital content elements which have been determined to each bear at least a prescribed relationship to the one or more of the plurality of search terms;
based at least on metadata relating to one or more blacklisted categories of secondary digital content which are not permitted to be displayed with the primary digital content, filtering out at least one of the plurality of secondary digital content elements;
selecting at least one of the plurality of secondary digital content elements that has not been filtered out; and
causing delivery, via the digital content delivery network, of the at least one of the plurality of secondary digital content elements to the computerized user device, thereby enabling display of the primary digital content and the secondary digital content on a display device associated with the computerized user device.

US Pat. No. 10,991,008

METHOD, SYSTEM, AND MEDIUM FOR DISPLAYING AUTOMATICALLY PUSHING INFORMATION RELATED TO ITEMS OFFERED FOR SALE IN A NETWORK-BASED MARKETPLACE

eBay Inc., San Jose, CA ...

10. A system, comprising:at least one processor; and
memory coupled to the at least one processor, the memory comprising computer executable instructions that, when executed by the at least one processor, perform a method comprising:
identifying, in a network-based marketplace, a listing of an item offered for sale, wherein the listing is associated with a first set of information describing the listing;
receiving, from a remote computing device, one or more actions associated with the first set of information;
based on the one or more actions, identifying a second set of information to supplement the first set of information;
identifying one or more multimedia programs comprising at least (1) a portion of the second set of information and (2) snippets relating to the item and a seller of the item;
automatically pushing a video stream of at least the portion of the second set of information and the snippets to the remote computing device; and
causing the video stream to be displayed on the remote computing device, wherein the video stream is displayed in a video player embedded in a webpage.

US Pat. No. 10,991,006

BEACON BASED CAMPAIGN MANAGEMENT

Kellogg Company, Battle ...

1. A method comprising:receiving, at a shopper mobile device in communication with a proximity detection device and a campaign management system, a first signal strength of a wireless signal transmitted from the proximity detection device to the shopper mobile device, the proximity detection device located within a retail facility and associated with a product offered for sale within the retail facility;
transmitting to a campaign management system, by the shopper mobile device, information indicating a first proximity of the shopper mobile device in relation to the proximity detection device associated with the product offered for sale within the retail facility and an identity of a shopper associated with the shopper mobile device, the first proximity based on the first signal strength of the wireless signal received at the shopper mobile device, wherein the campaign management system uses the identity of the shopper to verify that the shopper has rights to receive notification messages from the campaign management system;
receiving, at the shopper mobile device, a first campaign notification message from the campaign management system, the first campaign notification message based on the first proximity of the shopper mobile device in relation to the proximity detection device associated with the product;
displaying the first campaign notification message in a graphical user interface executed by data processing hardware of the shopper mobile device;
receiving, at the shopper mobile device, a second signal strength of the wireless signal transmitted from the proximity detection device to the shopper mobile device;
transmitting to the campaign management system, by data processing hardware of the shopper mobile device, information indicating a second proximity of the shopper mobile device in relation to the proximity detection device associated with the product offered for sale within the retail facility, the second proximity based on the second signal strength of the wireless signal received at the shopper mobile device;
receiving, at the shopper mobile device from the campaign management system, a second campaign notification message, the second campaign notification message based on the second proximity of the shopper mobile device in relation to the proximity detection device associated with the product, wherein the second campaign notification message is different from the first campaign notification message; and
displaying the second campaign notification message in the graphical user interface.

US Pat. No. 10,991,005

METHODS AND APPARATUS FOR SERVING RELEVANT ADVERTISEMENTS

Google LLC, Mountain Vie...

1. A computer implemented method comprising:determining, by one or more computers using information extracted from a video, that the video is related to one or more topics based on a frequency of occurrence of content in the video that is related to the one or more topics;
identifying, by the one or more computers, targeting data for a content item that is available for presentation with various different videos;
determining, by the one or more computers, that the content item is relevant to the video, the determining including:
comparing, by the one or more computers, the identified targeting data for the content item to the determined one or more topics related to the video; and
determining, by the one or more computers and based on the comparison, that the identified targeting data for the content item and the determined one or more topics for the video match;
serving, by the one or more computers, the content item to a client device presenting the video based on determining that the identified targeting data for the content item matches the determined one or more topics for the video;
logging, by a statistics engine, data representing presentation of the content item and information about what happens when the content item was presented with the video at the client device; and
providing, by a tools component, a tool that estimates a number of presentations of the content item when the content item is assigned a keyword matching one of the one or more topics based on logged data representing the presentation.

US Pat. No. 10,991,004

UTILIZING POPULATION DENSITY TO FACILITATE PROVIDING OFFERS

ADOBE INC., San Jose, CA...

1. A method for facilitating providing offers utilizing population densities, the method comprising:determining location data based on locations of a plurality of user devices relative to one or more beacons positioned in a retail environment;
determining, in real time, a population density for a geographical space in the retail environment by analyzing the location data;
determining values that indicate priorities of users located in the geographical space based on a purchase probability of the users for items associated with the geographical space;
using the population density and the values associated with the geographical space to determine a personalized electronic offer for a user, using an offer analyzer component, the personalized electronic offer being associated with an item present in a second geographical space in the retail environment to entice the user to move from the geographical space to the second geographical space; and
providing, using an offer generator component, the personalized electronic offer for viewing by the user via a user device.

US Pat. No. 10,991,003

AUDIENCE MATCHING NETWORK WITH PERFORMANCE FACTORING AND REVENUE ALLOCATION

Verizon Media Inc., New ...

1. A computer-implemented method for delivery of content to a client computer, the method comprising:defining a plurality of segments relating to a plurality of information collection domains;
determining that a client computer is a member of a segment of the plurality of segments by determining that profile data relating to the client computer includes attributes matching a logical combination of one or more facts for the segment;
receiving, from a server, a segment identifier for the segment of which the client computer is determined to be a member;
transmitting to the client computer a segment-targeting cookie that includes the segment identifier; and
transmitting an advertisement to the client computer based on the segment identifier in the segment-targeting cookie.

US Pat. No. 10,991,002

SYSTEMS AND METHODS FOR SELECTING AN AD CAMPAIGN AMONG ADVERTISING CAMPAIGNS HAVING MULTIPLE BID STRATEGIES

1. A system, comprising:an ad server having a processing system that is configured to execute instructions to receive and process an ad request from a wireless device upon initiation of a software application on the wireless device, filter eligible ad campaigns, compare effective cost-per-mille CPM strategies with predicted conversion rates for the filtered ad campaigns, select and transmit an ad campaign in real time prior to an ad play event on the wireless device based on the comparison of the effective CPM strategies and the predicted conversion rates; and
an adaptive decision unit coupled to the processing system, the adaptive decision unit including a data science pipeline to utilize feature engineering to apply features, corresponding feature values, and corresponding coefficients to data to generate training data, which is used for model training to generate a plurality of machine learning models that build algorithms based on learned data for predicting conversion rates of ad campaigns, wherein the data science pipeline to receive the filtered eligible ad campaigns, to assign with a machine learning model coefficients for different parameters of a plurality of bid strategies of the received filtered ad campaigns including a first coefficient for a type and model of the wireless device, a second coefficient for a type of operating system on the wireless device, and a third coefficient for a volume setting on the wireless device, to determine a predicted conversion rate for each filtered ad campaign based on the coefficients of the different parameters as applied to the machine learning model, and to convert each bid strategy including a cost per install (CPI) into an effective CPM strategy.

US Pat. No. 10,991,001

SYSTEMS AND METHODS FOR INTELLIGENT PROMOTION DESIGN WITH PROMOTION SCORING

Eversight, Inc., Palo Al...

1. A method for scoring a set of promotions comprising:receiving, by one or more processors, a set of training offers comprising a plurality of variables, each variable having one of a set of values to form a combination of variable values;
converting, by the one or more processors, the combination of variable values for each of the training offers into a vector;
generating, by the one or more processors, pairings of the training offers such that all combinations of training offer pairs is represented;
subtracting, by the one or more processors, the vector of one training offer in each pair from the other vector of the other training offer of the pair to generate a pair vector;
collecting, by the one or more processors, success metrics for each of the training offers from a retailer's point of sales system, a computerized application, and from consumer mobile devices;
subtracting, by the one or more processors, the success metrics of the one training offer in each pair from the other success metrics of the other training offer of the pair to generate a raw score;
generating, by the one or more processors, a normalized score for each of the pairings using the raw score and the pair vector;
determining, by the one or more processors, that the set of training offers consists of offers originating from a single client;
responsive to the determination that set of training offers consists of offers originating from a single client, generating, by the one or more processors, a decision tree model by machine learning and using the normalized scores, wherein the one or more processors are configured to generate one of two model types dependent upon at least one of the amount of training offers in the set of training offers or the number of clients the offers in the set of training offers originate from, wherein the two model types are a decision tree and a neural network; and
applying, by the one or more processors, the model to a set of new offers to generate a score for each new offer.

US Pat. No. 10,991,000

ADVERTISEMENT DISTRIBUTION SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT USING A MULTI-TENANT ON-DEMAND DATABASE SYSTEM

salesforce.com, inc., Sa...

1. A non-transitory computer-readable medium having computer instructions stored thereon that are capable of being executed by a computer system to cause operations comprising:storing, by a multi-tenant database system, content for a plurality of tenants, wherein the content is stored using at least one shared database table that includes one or more rows for each of multiple tenants, wherein the database system is configured such that private content of one tenant is not accessible to other tenants;
storing, by the multi-tenant database system, a first set of supplemental content of a first type that is accessible to multiple ones of the plurality of tenants;
storing, by the multi-tenant database system, a second set of supplemental content of a second type that is tenant-specific such that portions of the second set of supplemental content corresponding to various ones of the plurality of tenants are not accessible to other ones of the plurality of tenants;
receiving information from a first tenant that indicates properties of supplemental content to be provided in response to requests for content of the first tenant, including indicating to provide the first type of supplemental content with content of the first tenant;
receiving information from a second tenant that indicates properties of supplemental content to be provided in response to requests for content of the second tenant, including indicating to provide the second type of supplemental content and not the first type of supplemental content with content of the second tenant;
storing the information from the first and second tenants;
in response to respective requests for content of the first and second tenants, a first module of the multi-tenant database system retrieving content from the at least one shared database table;
in response to detecting that the requested content includes a widget that specifies supplemental content, a second module determining supplemental content based on the stored information from the first and second tenants, including:
determining to distribute content from the first set of supplemental content for the first tenant based on the information from the first tenant; and
determining to distribute only content from the second set of supplemental content in response to the request for content of the second tenant based on the information from the second tenant; and
automatically providing the determined supplemental content for the first and second tenants with the retrieved content in response to the requests, thereby securing supplemental content of the second tenant in the second set of supplemental content from being accessed by other ones of the tenants and thereby ensuring that supplemental content from other tenants is not provided with content of the second tenant.

US Pat. No. 10,990,999

SYSTEM INCLUDING COMMUNICATION INTERFACE BASED SENDING OF DIGITAL PROMOTIONS AND RELATED METHODS

INMAR CLEARING, INC., Wi...

1. A system comprising:a memory comprising a first database storing retailer-supplied promotions associated with a first plurality of brand items, and a second database storing promotions associated with a second plurality of brand items;
a remote device comprising a display and a digital wallet;
a communications interface configured to communicate with the remote device; and
a processor coupled to said memory and said communication interface and configured to:
determine a plurality of digital promotions for communication to said remote device via said communications interface and for display on said remote device, the digital promotions corresponding to ones of the promotions associated with the second plurality of brand items;
wherein the remote device is configured to:
monitor a viewable area of the display by tracking a cursor on the display for placement over at least one digital promotion of the plurality of digital promotions and communicate a first indication to the processor that the at least one digital promotion has been displayed; and
receive user input indicative that the at least one digital promotion has been clipped to the digital wallet, and communicate a second indication to said processor that the at least one digital promotion has been clipped to the digital wallet;
wherein the processor is further configured to:
determine whether a given digital promotion of the plurality of digital promotions matches any retailer-supplied promotion stored in the first database,
when the given digital promotion does not match, then communicate the given digital promotion via said communications interface to said remote device for display thereon and redemption;
subsequent to communicating the given digital promotion to the remote device: store a new retailer-supplied promotion in the first database and determine whether the given digital promotion matches the new retailer-supplied promotion; when it matches, determine whether the processor received the first indication; and if the processor received the first indication, then determine whether the processor received the second indication, and if the processor received the first and second indications, then remove the given digital promotion from the digital wallet;
when the given digital promotion matches and the given digital promotion has not been sent to the remote device, then (1) withhold communication of the given digital promotion via said communications interface to the remote device so that the given digital promotion, which would have otherwise been displayed on the remote device, is not displayed on the remote device, and (2) send to the remote device a retailer-supplied digital promotion corresponding to the matched retailer-supplied promotion.

US Pat. No. 10,990,998

POS TERMINAL(S) WITH FREE FORM REWARDS ARCHITECTURE

Bank of America Corporati...

1. A merchant-funded rewards (MFR) payment system comprising:a point-of-sale (POS) terminal, said POS terminal that enables a customer to purchase one or more products from a merchant, said products comprising goods and/or services;
a payment instrument, said payment instrument that enables the customer to initiate a credit transaction at the POS terminal for said purchase, the credit transaction comprising:
a financial entity that is an issuer, said issuer that extends payment credit to the customer for a purchase, and collects a monetary sum from the customer as compensation for the payment credit;
a processing network, said processing network that:
enables the merchant to communicate to the issuer a request for authorization of the credit transaction;
enables the issuer to communicate to the merchant a response to the authorization request, said response either granting or denying the authorization; and
settles the credit transaction, said settlement comprising debiting the issuer a first monetary amount, crediting at least a part of the first monetary amount to the merchant as a second monetary amount, the difference between the second monetary amount and a purchase price of the products in the credit transaction being a transaction cost; and
a transaction reward, said transaction reward that is provided to the customer upon using the payment instrument for a purchase, wherein the transaction reward is associated with a first value received by the customer, and a second value corresponding to the cost to a rewarder in providing the transaction reward, and the first value is higher than the second value, and wherein said rewarder is associated with a rewards program, and said rewarder is either an issuer in a conventional rewards program, or a merchant in an MFR rewards program;
a merchant computer system comprising at least one processor;
at least one notifying device; and
a bypass transaction processing network;wherein:the merchant computer system is configured to formulate an offer to offer to the customer, the offer comprising one or more MFR transaction rewards, a qualifying payment instrument, a qualifying POS terminal, and details of the transaction reward;
said offer is communicated to at least one notifying device, said notifying device that is configured to display said offer to the customer and receive a customer selection from the customer vis-a-vis a current purchase, said customer selection comprising the opting-in to one or more of the offered MFR transaction rewards;
the customer selection to opt-in to an MFR transaction award:
terminates a default enrollment of the customer in a conventional rewards program vis-a-vis the current purchase; and
triggers an enrollment of the payment instrument in the bypass transaction processing network;
a purchase by the customer, after the customer selection of the opt-in, with a qualifying payment instrument at a qualifying POS terminal:
enables the customer to receive the MFR transaction reward; and
the bypass transaction processing network reduces a transaction cost of the purchase;
the merchant computer system is configured to formulate an offer, the merchant computer system being configured to:
formulate a set of potential MFR transaction rewards;
eliminate, from the set, the MFR transaction rewards comprising a cost to the merchant above a threshold cost, said threshold cost that is a predetermined amount or a predetermined percentage of the purchase price of the products being purchased;
calculate, for each MFR transaction award remaining in the set, the customer received value, based on the data in the database;
further calculate, for each MFR transaction award remaining in the set, the difference between the first, customer received, value, and the second, merchant cost, value;
select, from the MFR transaction awards remaining in the set, the MFR transaction award with the greatest difference between first and second values; and
communicate the selected MFR transaction award to the notifying device to offer to the customer.

US Pat. No. 10,990,997

SYSTEM FOR PROCESSING A DIGITAL PROMOTION BASED UPON GUEST CHECK IMAGE AND RELATED METHODS

INMAR CLEARING, INC., Wi...

1. A system for processing a digital promotion comprising:a point-of-sale (POS) terminal at a redemption location;
a mobile wireless communications device associated with a given user; and
a digital promotion server configured to
cooperate with the mobile wireless communications device to display thereon a digital promotion, the digital promotion being for a given product,
based upon user selection of the digital promotion at the mobile wireless communications device, operate a messenger bot permitting a two-way dialog between the given user and the messenger bot to
generate a dialog prompting, via the messenger bot, the given user for interest in the given product,
upon receiving a response to the prompt within the dialog via the messenger bot that the given user has interest in the given product, communicate, via the messenger bot, the digital promotion for the given product to the mobile wireless communications device, the digital promotion being redeemable at the redemption location, and
obtain, via the messenger bot, an image of a guest check associated with a purchase transaction at the redemption location, and
determine whether the given product is indicated on the image of the guest check based upon optical character recognition, and when so, cooperate with the POS terminal at the redemption location to redeem the digital promotion for the given product during the purchase transaction.

US Pat. No. 10,990,996

PREDICTING APPLICATION CONVERSION USING EYE TRACKING

INTUIT, INC., Mountain V...

1. A computer-implemented method for determining an application experience of a user, comprising:determining, by a computing device, baseline eye tracking data of a user interacting with an application, the baseline eye tracking data comprising a baseline frequency of pupil dilations of the user;
receiving, at the computing device, real-time eye tracking data of the user interacting with at least a first page of the application, the real-time eye tracking data comprising a real-time frequency of pupil dilations of the user;
determining, by the computing device, based at least on the real-time eye tracking data and the baseline eye tracking data, at least a current user experience regarding the first page, wherein the current user experience comprises a level of interest with respect to at least a subset of the first page, and wherein the level of interest is determined based on a comparison between the real-time frequency of pupil dilations and the baseline frequency of pupil dilations;
predicting, by the computing device, based on evaluating the current user experience, that the user is likely to discontinue use of the application;
determining, by the computing device, based at least on the prediction, an intervention that reduces a likelihood of the user discontinuing use of the application; and
interacting, by the computing device, with the user according to the intervention.

US Pat. No. 10,990,995

SYSTEM FOR COGNITIVE ASSESSMENT OF TRANSACTIONS

INTERNATIONAL BUSINESS MA...

1. A system for cognitive assessment of the competitiveness of deals comprising:a memory having stored thereon historical deal information for a plurality of historical deals with each historical deal comprising at least one historical deal component, the at least one historical deal component comprising a historical work scope and associated historical work pricing; and
a processor cooperating with the memory and configured to
compare current deal information with the historical deal information, the current deal information comprising at least one current deal component, the at least one current deal component comprising a current work scope and associated current work pricing,
use machine learning to determine whether the at least one current deal component is non-competitive based upon the historical deal information, wherein using machine learning includes cognitively identifying and assessing the current deal components for determining competitiveness of the current deal information, and
for a non-competitive current deal component generate an alternative current deal component, the alternative current deal component having at least one of a different current work scope and different associated current work pricing.

US Pat. No. 10,990,994

SYSTEM AND METHOD FOR PROVIDING VIRTUAL ITEMS TO USERS OF A VIRTUAL SPACE

Kabam, Inc., San Francis...

1. A system that provides virtual items to users of a virtual space, the system comprising:electronic storage configured to electronically store information, wherein the stored information includes information indicating one or more affiliations having a functional significance, within the virtual space, between one or more of the users of the virtual space, wherein the one or more affiliations include a first affiliation associated with a first user and a second user; and
one or more physical processors configured by machine-readable instructions to:
execute, by a game component, an instance of an online game;
generate game state information that is transmitted to client computing platforms over a network, the game state information facilitating presentation of views of the online game to the users via the client computing platforms, wherein the client computing platforms include user interfaces and are associated with the users;
maintain user accounts, the user accounts including user inventories, wherein the user accounts are associated with the users, wherein the user accounts include a first user account for the first user including information indicating that the first user is associated with the first affiliation, and a second user account for the second user including information indicating that the second user is associated with the first affiliation, wherein the first user account includes a first user inventory, wherein the second user account includes a second user inventory;
cause presentation on the user interfaces of the client computing platforms of offers to sell virtual items to the users such that a first offer to sell virtual items is presented to at least the first user and the second user, wherein the first offer is associated with parameters that are included in the presentation, wherein the parameters include:
(i) a first set of virtual items that are offered for sale, and
(ii) a first associated user cost to be exchanged by individual ones of the users that accept the first offer;
receive, through the user interfaces included in the client computing platforms, one or more user inputs indicating one or more acceptances of the offers by one or more of the users, including receiving a first user input indicating acceptance of the first offer by the first user and a second user input indicating acceptance of the first offer by the second user;
determine, by a distribution component, whether the number of the users, associated with the first affiliation, that have accepted the first offer meets a threshold number of acceptances;
responsive to receiving at least the threshold number of acceptances, cause a second presentation on the user interfaces of the client computing platforms of adjusted offers to sell the virtual items to the users such that an adjusted first offer to sell the virtual items is presented to at least the first user and the second user, wherein the adjusted first offer is associated with adjusted parameters that are included in the second presentation, wherein the adjusted parameters include:
(i) an adjusted first set of virtual items that are offered for sale, wherein the adjusted first set of virtual items includes the first set of virtual items increased by one or more additional virtual items that were formerly not included in the first set of virtual items, and
(ii) the first associated user cost to be exchanged by the individual ones of the users that accept the adjusted first offer;
responsive to receiving at least the threshold number of acceptances, receive, through the user interfaces included in the client computing platforms, one or more user additional inputs indicating one or more additional acceptances of the offers by at least some of the users, including receiving a first additional user input indicating a first additional acceptance of the adjusted first offer by the first user and a second additional user input indicating a second additional acceptance of the adjusted first offer by the second user;
distribute, by the distribution component, the virtual items to the users, wherein distribution of the virtual items includes:
(i) responsive to receiving at least the threshold number of acceptances of the first offer from the users associated with the first affiliation, distributing the virtual items in accordance with the received one or more user inputs and the received one or more additional user inputs, and
(ii) responsive to failing to receive at least the threshold number of acceptances of the first offer from the users associated with the first affiliation, distributing the virtual items associated with the first offer to the first user inventory of the first user and to the second user inventory of the second user.

US Pat. No. 10,990,992

SYSTEMS AND METHODS FOR ASSISTING USERS IN ASSESSING COSTS OF TRANSACTIONS

Capital One Services, LLC...

1. A computer-implemented method for assisting users in assessing costs of transactions, the method comprising:receiving, from a browser extension operating on a user device associated with a user, information captured by the browser extension regarding browsing activity of the user via a web browser operating on the user device, wherein:
the information includes an indication that the user is currently viewing a graphical user interface on a website via the web browser on the user device, and is currently making a purchasing decision for at least one transaction via the graphical user interface; and
the information captured by the browser extension is received by a server system that includes a processor and a memory that stores one or more historical transactions of a plurality of persons including the user, a plurality of categories of users associated with consumer interest characteristics, and relatable product data related to a plurality of products associated with the consumer interest characteristics and cost values of the plurality of products; and
in response to receiving the indication:
accessing the one or more historical transactions of the user in the memory, and determining, via the processor of the server system, consumer interest characteristics of the user based on one or more historical transactions of the user;
determining a cost value of the at least one transaction associated with the user based on the information received from the browser extension;
accessing the plurality of categories of users associated with consumer interest characteristics stored in the memory, and classifying the user, via the processor, into one of the plurality of categories, based on the determined consumer interest characteristics of the user and consumer interest characteristics associated with the plurality of categories;
accessing the relatable product data stored in the memory, and determining, via the processor of the server system, a relatable product from amongst the plurality of products, based on the consumer interest characteristics associated with the category classification of the user, that has been purchased by a plurality of persons classified in the category, that has been purchased by the user a threshold number of times over a previous period of predetermined length, and that satisfies a threshold consistency in price across a plurality of geographical locations;
determining, via the processor of the server system, a relatable cost value, the relatable cost value being a representation of the cost value of the at least one transaction using a quantity of the relatable product; and
transmitting data related to the relatable product and the relatable cost value to the browser extension, such data configured to cause the browser extension to insert a display of the relatable cost value into the graphical user interface of the web browser operating on the user device during a period of time in which the user is making the purchasing decision.

US Pat. No. 10,990,991

SYSTEM FOR COGNITIVE DEAL PRICING

International Business Ma...

1. A system, comprising:a memory for storing a computer program for cognitively determining deal pricing; and
a processor connected to said memory, wherein said processor is configured to execute the program instructions of the computer program comprising:
generating a trained model, wherein said trained model comprises a vector build up trained model, wherein said vector build up trained model comprises a model that concatenates a plurality of feature vectors into a single vector, wherein said vector build up trained model is generated based upon at least one of the following: a bag-of-words feature vector, a topic modeling vector and a word-embedding technique;
using machine learning to analyze historical deal information to determine a predicted client type for each current deal component of a current deal based upon said trained model, wherein said historical deal information comprises historical deal components and historical deal communications associated with historical deals;
determining said predicted client type for each current deal component of said current deal by analyzing requests for proposals to identify an objective of a client for each solution component, wherein said objective of said client for each solution component is a percentage value, wherein said client objective comprises a percentage of belonging to an objective class multiplied by a premium or a discount of said objective class;
defining syntactic and semantic based rules to analyze service descriptions;
computing a similarity of said service descriptions to dictionaries describing each client objective; and
generating said deal pricing based upon said predicted client type for each current deal component of said current deal using a pricing algorithm having said predicted client type as an input.

US Pat. No. 10,990,990

MARKET ANALYSIS SYSTEM

ADP, LLC, Roseland, NJ (...

1. A method for predicting changes in market dynamics for a geographic region, the method comprising:identifying, by a computer system comprising a market analyzer, human resource data regarding employees of organizations, wherein the human resource data comprises geolocation data based at least partially on a geolocation of the organizations and geolocations of the employees;
indexing, by the computer system, the human resource data by the geolocation data and providing the human resource data that is searchable by the geolocation data as indexed human resource data;
providing, from the market analyzer, a search tool to a browser in a graphical user interface in a display system connected to the market analyzer;
subsequently searching, using the search tool and the geolocation data, the human resource data;
generating, by the computer system, a plurality of location aggregates for different combinations of dimensions of the human resource data across a plurality of different geolocations;
receiving, through the search tool using the indexed human resource data, an instruction defining a particular geographic region, and searching the indexed human resource data using the geolocation data;
searching, using an indexing tool in the market analyzer in the computer system, the indexed human resource data and identifying, using statistical similarities among facts for the different combinations of dimensions among the plurality of location aggregates, a set of matched markets for the particular geographic region, wherein at least one of the geolocation of the organizations and the geolocations of the employees is within the particular geographic region;
identifying, by the market analyzer using the indexing tool and an aggregate change in the human resource data for the employees having geolocations within the set of matched markets, a change in market dynamics for the set of matched markets;
predicting, by the computer system, a predicted change in market dynamics for the particular geographic region based on the change in market dynamics for the set of matched markets; and
digitally presenting, by the computer system, in a graphical user interface on a display system, the predicted change in market dynamics for the particular geographic region.

US Pat. No. 10,990,989

INCREASING THE LIKELIHOOD OF RECEIVING FEEDBACK FOR CONTENT ITEMS

Pandora Media, LLC, Oakl...

1. A computer implemented method of collecting feedback for a content item, comprising:collecting instances of feedback provided via a user interface of a content streaming application from each of a plurality of client devices, each instance of collected feedback received during playback of a content item of a plurality of content items provided to a respective one of the plurality of client devices used by a respective one of a plurality of users through the content streaming application, and each instance of the collected feedback including associated time data indicating when the instance of feedback was provided by the respective user;
generating a feedback model based on the collected instances of feedback, the feedback model predicting likelihoods of receiving feedback from users of the plurality of users at given times;
receiving a request, by a first user, to initiate a streaming session at a client device, the streaming session comprising streaming content items of a streaming playlist to the first user, the content items selected from the plurality of content items based on one or more attributes associated with input specified by the first user, the request initiated by a user selection of a selectable option corresponding to beginning the streaming session;
responsive to receiving the request, selecting, for inclusion in the streaming playlist of the streaming session, a new content item for which less than a threshold number of instances of feedback has been collected due to the new content item being added to the plurality of content items and newly received by a content server within a threshold amount of time, the new content item selected at least in part on a similarity with at least a portion of the one or more attributes, wherein the content server selects the new content to be provided to the content streaming application for insertion into the streaming playlist;
determining, using the feedback model, a time when the first user of the plurality of users is likely to provide feedback through the content streaming application during playback of the new content item;
inserting the new content item into the streaming playlist of the streaming session at a position corresponding to the time when the first user is likely to provide feedback;
streaming, using the content streaming application during the streaming session, the new content item to the first user for playback at the determined time when the first user is likely to provide feedback based on the position in the streaming playlist, and generating for display a selectable feedback option graphical element using the user interface of the content streaming application during the playback of the new content item;
detecting, during the streaming session, user interaction with the selectable feedback option graphical element;
responsive to detecting the user interaction with the selectable feedback option graphical element, collecting, during the streaming session, an additional instance of feedback from the first user about the new content item;
selecting a subset of the plurality of content items to provide to the plurality of client devices used by the plurality of users, the subset of the plurality of content items selected based on the instances of collected feedback and the additional instance of feedback;
detecting a selection of a playback control graphical element selectable by a second user of the plurality of users in the user interface of the streaming application installed on the client device used by the second user; and
responsive to detecting the selection of the playback control graphical element, providing the selected subset of the plurality of content items to the client device used by the second user.

US Pat. No. 10,990,988

FINDING BUSINESS SIMILARITIES BETWEEN ENTITIES USING MACHINE LEARNING

Intuit Inc., Mountain Vi...

1. A computer-implemented method, comprising:recursively obtaining first aggregated data, second aggregated data, and third aggregated data by:
obtaining, by a first data aggregator, the first aggregated data,
in response to obtaining the first aggregated data, posting, by the first data aggregator, a message to a bus,
in response to the first data aggregator posting the message, reading, by a second data aggregator, the message from the bus,
in response to the second data aggregator reading the message, obtaining, by the second data aggregator and using the first aggregated data, the second aggregated data, and
using the second aggregated data to obtain the third aggregated data;
identifying a plurality of product categories by applying a categorization model to product data that includes product names, product descriptions, the first aggregated data, the second aggregated data, and the third aggregated data, wherein the product data is obtained from internal sources and external sources;
creating a knowledge graph for a plurality of business entities from inputs that include the plurality of product categories, published data that includes merchant categorizations, and geographical data, the knowledge graph comprising:
a plurality of stored nodes in a graph database, the plurality of stored nodes for a plurality of product categories, business entities, and products;
a plurality of stored references between the plurality of stored nodes, the plurality of stored references each linking two stored nodes of the plurality of stored nodes and comprising a relationship identifier between the two stored nodes,
the plurality of stored references comprising a sell relationship identifier and a containment relationship identifier;
traversing the plurality of stored nodes in the knowledge graph when applying a clustering algorithm to the knowledge graph, wherein the clustering algorithm generates a plurality of cohort clusters, and wherein the clustering algorithm uses a K-means algorithm;
using the plurality of cohort clusters to learn a first extrapolation model for predicting inventory; and
providing access to the first extrapolation model to predict inventory level at a specific point in time, wherein the access is provided via a merchant application that runs on an online merchant platform.

US Pat. No. 10,990,987

APPARATUS AND METHOD FOR ENHANCED MESSAGE TARGETING

Groupon, Inc., Chicago, ...

1. An apparatus for improved machine learning using a statistical model, the apparatus comprising at least one processor and at least one non-transitory computer-readable memory, having computer-coded instructions thereon, that in execution with the at least one processor configure the apparatus to:train the statistical model based on retrieved information regarding a plurality of consumers, and
predict, using the statistical model, an incremental booking value associated with a promotion for each consumer of the plurality of consumers by at least:
estimating, using the statistical model, a first expected revenue wherein the first expected revenue is estimated based on a first set of input information comprising at least a first promotion indicator indicating the consumer would have access to the promotion for a first time; period; and
calculatimg the incremental booking value based on a second expected revenue and the first expected revenue, wherein the second expected revenue is based on a second set of input information comprising at least a second promotion indicator indicating the consumer would not have access to the promotion; and
select a subset of the plurality of consumers for whom the predicted incremental booking value satisfies a predefined threshold; and
transmit an impression of the promotion to each consumer in the subset of the plurality of consumers.

US Pat. No. 10,990,986

SYSTEM AND METHOD FOR OPTIMIZING AN OBSERVATION CAMPAIGN IN RESPONSE TO OBSERVED REAL-WORLD DATA

Observa, Inc., Seattle, ...

1. A computer-based method, comprising:sending at least one communication as a first push notification to one or more remote computing devices configured to execute a real-word data observation application having a pre-established relationship with a real-world observance opportunity platform, wherein sending the electronic communication corresponding to an opportunity of an observation campaign is based upon a detected proximity of the mobile computing device to a location associated with the opportunity;
receiving an electronic communication from the one or more remote computing devices configured to execute a real-word data observation application having a pre-established relationship with a real-world observance opportunity platform, each electronic communication including real-world data that includes audio visual data and location meta data corresponding to at least one observable parameter about a salable product that is part of the observation campaign to collect real-world data, the parameters of the real-world campaign stored in a memory at a server computing device executing the real-world observance opportunity platform and accessible by a real-world data observation application executing on the one or more remote computing devices;
verifying that the received audio visual data and location meta data from each computing device meet the parameters of the observation campaign;
subsequent to the verifying, analyzing the received audio visual data and location meta data from a plurality of the remote computing devices against further metrics to identify a data metric issue describing the overall success or failure of the campaign;
analyzing the received audio visual data and location meta data against a metric corresponding to one or more parameters of the observation campaign;
changing one or more parameters of the observation campaign stored in the memory in response to the analyzing such that displayable information about the observation campaign stored in the memory is updated with the changed parameters when the analyzed received real-world data identifies the data metric issue; and
sending a plurality of second push notifications to a plurality of remote computing devices including the one or more remote computing devices with the changed one or more parameters about the product that is part of the observation campaign in response to the changing of one or more parameters.

US Pat. No. 10,990,985

REMOTE SUPERVISION OF CLIENT DEVICE ACTIVITY

Xcellence, Inc., Mission...

1. A method comprising:receiving, by a server device, a series of screen capture representations of a graphical user interface on a client device, wherein a first screen capture representation of the series was captured by the client device at a first time and a second screen capture representation of the series was captured by the client device at a second time, and wherein the first screen capture representation includes a representation of multiple windows from the graphical user interface;
sliding rectangular outlines of varying sizes over the first screen capture representation;
identifying when one of the rectangular outlines surrounds four borders of a rectangular shape in the first screen capture representation;
determining that the rectangular shape is a first active window;
identifying a first application associated with the first active window;
identifying a second application associated with a second active window from the second screen capture representation, wherein at least one of the first application or the second application is a pre-determined target application; and
based on the identification of the first active window and the second active window, determining, by the server device, an activity log for the client device, wherein the activity log identifies one or more idle periods and one or more busy periods for the pre-determined target application.

US Pat. No. 10,990,984

ASSESSING PENALTIES FOR SDKS THAT VIOLATE POLICIES IN MOBILE APPS

International Business Ma...

1. A software development kit (SDK) processing system, comprising:a container creation system that wraps an inputted SDK in a penalty container to create a wrapped SDK, wherein the wrapped SDK includes re-instrumented code that redirects application programming interface (API) calls between the SDK and an associated App and operating system through a wrapper in order to monitor runtime behavior;
wherein the container creation system instantiates a policy module that is configurable by an SDK provider and App developer to implement a mutual policy configuration for the penalty container; and
wherein the penalty container includes a penalty manager that notifies the SDK provider and App developer of an SDK violation of the mutual policy configuration.

US Pat. No. 10,990,983

MANAGING INTERNET ADVERTISING AND PROMOTIONAL CONTENT

Keep Holdings, Inc., New...

1. A computer-implemented method, comprising:receiving, by a management system, from a computing device, a first communications message associated with a user account, the first communication message indicating a request to store a content item from within a web page of a third party, the web page rendered in a web browser software of the computing device, the request made by a plug-in component of the web browser software in response to a user selecting a graphical user interface (GUI) icon generated by the plug-in component and rendered by the web browser software as an overlay on the content item in the web page, the request including an indication of the content item, the plug-in component installed on the web browser software of the computing device, wherein the plug-in component generates the GUI icon for rendering by the web browser software in response to detecting the content item on the web page of the third party;
storing the content item with a unique identifier in a computing storage of the management system, the unique identifier substituted for an identifier associated with the content on the web page, the unique identifier preventing subsequent tracking of the content by the web page;
retrieving additional information regarding the content item from a server associated with the third party;
storing in the computing storage the associated additional information regarding the content item with the content item;
transmitting, using secure communications, a member page including the content item and the associated additional information to the web browser software of the computing device for rendering by the web browser software for the user, the member page including a sharing GUI element to enable sharing of the content item with a target user of the management system;
receiving a second communications message from the web browser software of the computing device to share the content item with the target user;
receiving a third communications message from a target web browser software of a target computing device associated with the target user, the third communications message indicating a request for a home page of the target user; and
transmitting, using secure communications, the home page including the content item and the additional information to the target web browser of the target computing device for rendering by the target web browser, the content item identified using the unique identifier in the home page, the content item transmitted to the web browser of the target computing device from the storage unit of the management system.

US Pat. No. 10,990,982

AUTHENTICATING A PAYMENT CARD

International Business Ma...

1. A method of authenticating a payment card, the method comprising the steps of:reading, by one or more processors of a card reader, information from the payment card being used for a purchase, the information including (i) an identifier of the payment card, (ii) encrypted data on a chip included in the payment card, (iii) a decryption key encoded in braille cells on the payment card, (iv) a first security code printed on the payment card, (v) a second security code encoded in the braille cells on the payment card, and (vi) data encoded in markings included in the payment card, wherein the step of reading the information includes reading, by the one or more processors of the card reader, the encrypted data on the chip and further includes reading, by an optical component included in the card reader, the decryption key, the second security code from the braille cells on the payment card, and the encoded data from the markings by scanning the payment card;
decoding, by the one or more processors of the card reader, the decryption key and the second security code;
decrypting, by one or more processors of the card reader and by using the decryption key, the encrypted data which was read by the step of reading the encrypted data, wherein the decrypted data includes a first hash;
determining, by the one or more processors of the card reader, that the decryption key is a correct key;
in response to the step of determining that the decryption key is the correct key and based on the decrypted data on the chip, sending, by the one or more processors of the card reader, to a payment system (i) the first hash, (ii) the identifier of the payment card, (iii) the first security code, and (iv) the second security code;
validating, by the payment system, the first hash sent to the payment system by matching the first hash to a hash of an n-th block of a blockchain ledger;
validating, by the payment system, the identifier of the payment card;
validating, by the payment system, the first security code;
validating, by the payment system, the second security code;
generating, by the payment system, a hash of an (n+1)-th block of the blockchain ledger; in response to the steps of validating the first hash sent to the payment system by matching the first hash to the hash of the n-th block of the blockchain ledger, validating the identifier of the payment card, validating the first security code, validating the second security code, and generating the hash of the (n+1)-th block of the blockchain ledger, sending by the payment system to the one or more processors of the card reader, the hash of the (n+1)-th block of the blockchain ledger;
recording, by the one or more processors of the card reader, the hash of the (n+1)-th block in the chip included in the payment card as an update of the hash that was read from the chip;
sending, by the one or more processors of the card reader, data about the purchase and the hash of the (n+1)-th block to the payment system;
receiving, by the payment system, data about the purchase and the hash of the (n+1)-th block;
and
in response to the receiving, validating, by the payment system, the hash of the (n+1)-th block which confirms the hash of the (n+1)-th block is recorded in the chip and adding, by the payment system, the data about the purchase as a transaction into the (n+1)-th block.

US Pat. No. 10,990,981

SYSTEM AND METHOD FOR MOBILE-INITIATED IN-STORE RETURN OF PRODUCTS

Walmart Apollo, LLC, Ben...

1. A system comprising:an order management module (OMM) configured to:
store completed transactions and associated electronic receipts for customers in a first database; and
store pending transactions for the customers in the first database;
a mobile device having a mobile application installed thereon and configured to:
launch the mobile application based on a user identification;
determine from the first database, via the mobile application, a purchased item for in-store return;
receive from the first database, via the mobile application, an electronic receipt of the purchased item;
associate, via the mobile application, the electronic receipt with the purchased item;
generate from a second database, via the mobile application, validating information associated with the in-store return;
save, via the mobile application, return information to the second database, the return information including at least one of the purchased item, the electronic receipt, or the validating information; and
direct, via the mobile application, a user using the user identification to a return location in a store, the user returning the purchased item in the store;
a return management module (RMM) configured to:
apply rules to validate the return based on the information about a selected product; and
send an update to the OMM to set a flag with the selected product indicating that the return is staged;a return station configured to:pair with the mobile device;
verify the user identification;
query the OMM for products with flags;
filter the flags to locate the selected product;
receive the return information from the second database via the RMM;
print a return label to be placed by the user on the purchased item; and
receive the purchased item having the return label placed thereon; anda remote return service server configured to:retrieve the information about the return from RMM; and
send the information about the return to the return station.

US Pat. No. 10,990,980

PREDICTING CAPITAL NEEDS

Square, Inc., San Franci...

1. A method implemented by a payment service, comprising:accessing, from a database of the payment service, historical transaction data indicating payments into a merchant account and payments out of the merchant account over time;
accessing, from the database, historical account-balance information indicating a balance of the merchant account as the balance has varied over time;
determining an exposure value associated with the merchant account, the exposure value based at least in part on a merchant type associated with the merchant account;
generating a predictive model configured to predict minimum balances for merchant accounts to cover payment out of the merchant accounts;
training the predictive model utilizing historical data of at least one other merchant associated with the payment service such that a trained predictive model is generated;
generating, utilizing the trained predictive model and, as input data to the trained predictive model, the historical transaction data, the historical account-balance information, and the exposure value, first data indicating a minimum balance that the merchant account is to maintain to cover future payments out of the merchant account;
generating, using the historical transaction data, second data indicating a time at which balance of the merchant account is predicted to fall below the minimum balance;
determining, using the first data and the second data, that a first amount of time until the time at which the balance of the merchant account is predicted to fall below the minimum balance is less than a second amount of time until a close of a business day associated with the merchant account;
predictively generating, based at least in part on determining that the amount of time is less than the second amount of time, an offer to extend capital to the merchant, wherein the offer to extend capital includes a loan term and an amount of funds to advance to the merchant before the balance of the merchant account falls below the minimum balance; and
facilitating, based at least in part on receiving an indication of the merchant accepting the offer, a transfer of the amount of funds from an account of the payment service to the merchant account at or prior to the determined time at which the balance of the merchant account is predicted to fall below the minimum balance.

US Pat. No. 10,990,979

SYSTEM AND ARCHITECTURE FOR ELECTRONIC FRAUD DETECTION

Experian Information Solu...

1. A computer-implemented method under control of one or more computer systems configured with executable instructions, the method comprising:sending an electronic request, to a remote tax agency server via a network interface, for a first tax return data, the remote tax agency server comprising a first electronic data store configured to store a plurality of tax return data associated with a plurality of consumers and at least one tax agency;
receiving, from the remote tax agency server via the network interface, the first tax return data associated with a first tax return of a first consumer, the first tax return data including one or more individual consumer attributes associated with the first consumer;
accessing, from a second electronic data store, electronic consumer data records associated with the plurality of consumers;
determining whether the first tax return data is potentially fraudulent based at least in part on the one or more consumer attributes associated with the first consumer and the first consumer data;
upon determining that the first tax return data is potentially fraudulent:
sending, to the first consumer, a request for additional information associated with the first tax return data, the request comprising a link configured to automatically gather device identification information when accessed via a device;
establishing an electronic communication with a first device in response to the first consumer responding to the request for additional information and accessing the link, the first device associated with the first consumer;
receiving, from the first device, device identification information of the first device via the link;
receiving, from the first device, personal information associated the first consumer, the personal information provided by the first consumer via the first device;
identifying a first consumer data associated with the first consumer from the electronic consumer data records based at least in part on the personal information;
generating a unique device identifier of the first device based on the device identification information;
determining, based at least in part on the unique device identifier and the first consumer data, whether the first device associated with the first consumer has previously been associated with a fraudulent activity; and
upon determining that the first device associated with the first consumer has previously been associated with a fraudulent activity, performing authentication of the first device associated with the first consumer based at least in part on the personal information associated with the first consumer.

US Pat. No. 10,990,978

METHOD OF TRANSACTION WITHOUT PHYSICAL SUPPORT OF A SECURITY IDENTIFIER AND WITHOUT TOKEN, SECURED BY THE STRUCTURAL DECOUPLING OF THE PERSONAL AND SERVICE IDENTIFIERS

A3BC IP, Paris (FR)

1. A secure transaction method without a physical carrier of a security identifier and without a token, comprising:recording, on a biometric server B, biometric profiles comprising a biometric profile Pi linked intrinsically to a single user Ui, the biometric profile Pi being associated with at least one service identifier, recorded on a service server S distinct from the biometric server B, the service identifier being accessible to the single user Ui;
during a transaction, acquiring the biometric profile Pj of the single user Ui transmitting biometric profile Pi to the biometric server B for comparison with the biometric profiles and seeking and activating on the service server S a service associated with the biometric profile Pi;
generating a master key when the biometric profile Pi is received by a central server, the master key being a temporary random key X;
generating a reference identifier IDRx calculated by applying a non-reversible reference cryptographic function FR to the temporary random key X, and recording in a biometric table a unique pair (Pi IDRx) recorded on the biometric server B;
generating a personal identifier IDPX calculated by applying a non-reversible cryptographic reference function FP, distinct from the reference function FR, to the temporary random key X and of recording, in an identity table, a pair (li, IDPX) where li, designates personal information associated with the profile Pi stored on a server P distinct from the biometric server B;
generating at least one service identifier IDSEX calculated by applying a non-reversible cryptographic function FSE, distinct from the reference function FR and the reference function FP, to the temporary random key X and of recording, in the identity table, a pair (SEi, IDSEX), where SEi, designates the service associated with the profile Pi stored on the service server S;
upon reception of the profile Pi seeking, by the central server, the unique pair (Pi IDRX) on the biometric server B and applying an inverse function FR?1 to the reference identifier IDRX to determine the temporary random key X;
searching, by the central server, for the personal information li on the server P by applying the reference function FP to the temporary random key X, to calculate the personal identifier IDPX and to obtain the personal information li; and
searching, by the central server, for at least one service SEi, on the service server S by applying the function FSE to the temporary random key X, to calculate the service identifier IDSEX and to obtain the service SEi.

US Pat. No. 10,990,977

SYSTEM COMMUNICATIONS WITH NON-SENSITIVE IDENTIFIERS

Visa International Servic...

1. A method comprising:transmitting, by a resource provider computer associated with a resource provider to a transaction processing computer, an authorization request message for a transaction between a user and the resource provider, the authorization request message including a transaction identifier, a resource provider identifier, a timestamp, a primary account number associated with an account of the user, and one or more of a transaction amount, information about purchased items, geo-location information associated with the transaction, or a digital certificate associated with the resource provider;
thereby causing the transaction processing computer to:
determine an authorizing entity identifier, associated with an authorizing entity, based on the authorization request message,
store a transaction record including the resource provider identifier, the transaction identifier, the authorizing entity identifier, the timestamp, and the one or more of the transaction amount, the information about purchased items, the geo-location information associated with the transaction, or the digital certificate associated with the resource provider, wherein the primary account number is not stored,
transmit the authorization request message to an authorizing entity computer associated with the authorizing entity identifier, wherein the authorizing entity computer authorizes the transaction based on the primary account number,
receive an authorization response message including the resource provider identifier and the transaction identifier, and not including the primary account number, and
transmit the authorization response message to the resource provider computer;
receiving, by the resource provider computer, from the transaction processing computer, the authorization response message; and
transmitting, by the resource provider computer to the transaction processing computer, a request for reversing the transaction, the request including the resource provider identifier, the transaction identifier, the timestamp, and the one or more of the transaction amount, the information about purchased items, the geo-location information associated with the transaction, or the digital certificate associated with the resource provider, the request not including the primary account number associated with the account of the user, wherein the transaction is uniquely identified by the combination of the resource provider identifier and the transaction identifier;
thereby causing the transaction processing computer to:
identify the transaction record based on the resource provider identifier and the transaction identifier,
obtain the authorizing entity identifier from the transaction record, and
forward the request to the authorizing entity computer associated with the authorizing entity identifier, wherein the authorizing entity computer determines the primary account number based on the resource provider identifier and the transaction identifier, and wherein the authorizing entity computer approves of the transaction reversal.

US Pat. No. 10,990,975

DETECTING MALWARE BY MONITORING CLIENT-SIDE MEMORY STACKS

PayPal, Inc., San Jose, ...

1. A system comprising:a non-transitory memory storing instructions; and
one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, from a first application of a user device, a request for initiating a payment process and first authentication data associated with an account;
in response to receiving the request, causing a second application of the user device to begin monitoring a client-side memory stack of the user device, wherein the client-side memory stack is populated with a set of functions corresponding to the payment process;
analyzing an execution of the set of functions based on the monitoring of the client-side memory stack;
determining an order in which the set of functions from the client-side memory stack is executed by the user device based on the analyzing;
determining whether a malware is present on the user device based on a comparison between the order in which the set of functions is executed by the user device and a predetermined order;
in response to determining that the malware is present on the user device, interrupting the execution of the set of functions on the user device by presenting, on the user device, a re-authentication challenge;
receiving second authentication data from the user device; and
causing the user device to resume or abort the execution of the set of functions based on the second authentication data.

US Pat. No. 10,990,974

IDENTITY VERIFICATION SERVICES AND USER INFORMATION PROVISION VIA APPLICATION PROGRAMMING INTERFACE

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

1. A method of providing verified information via a financial institution computing system of a financial institution that provides a subscription verification application programming interface (API) service to merchants, the method comprising:subscribing, by the financial institution computing system, a merchant for an identity verification API service of the financial institution;
transmitting, by the financial institution computing system, an identity verification API to a merchant device associated with the merchant;
receiving, by the financial institution computing system, via the identity verification API, a verification request from the merchant device;
determining, by the financial institution computing system, that the verification request is from the merchant that subscribed to the identity verification API service;
in response to determining that the verification request is from the merchant, transmitting, by the financial institution computing system, a message comprising a login request to enter login information via a login screen of the financial institution;
receiving, by the financial institution computing system, login information of a user from a user device via the login screen;
determining, by the financial institution computing system, that the login information matches login information of the user;
receiving, by the financial institution computing system, an information request from the merchant device for personal information pertaining to the user; and
in response to receiving the information request from the merchant device, transmitting to the merchant device, by the financial institution computing system, personal information pertaining to the user.

US Pat. No. 10,990,973

DEVICE FOR ENTRY ON A TOUCH-SENSITIVE SURFACE AND CORRESPONDING METHOD

INGENICO GROUP, Paris (F...

1. A method for entering data on a touchpad of a terminal, the method for entering comprising:laying down, on a touch-sensitive screen of said terminal, a device for entering data comprising:
an appreciably parallelepiped-shaped plate, said appreciably parallelepiped-shaped plate comprising:
an upper face, at least one part of which comprises a keypad-forming matrix of entry zones;
at least one electrically charged contact zone, called a detection zone, connected to a conductive element, which is located at least in part on the periphery of the upper face of said device; and
a lower face, said lower face comprising, for each key of said keypad on the upper face, at least three contact zones electrically connected to a corresponding key of said keypad on the upper face, said at least three contact zones forming, on the lower face, a unique geometrical shape specifically associated with said key;
detecting, by the terminal, the laying down of said device for entering data; and
entering, by a user, data on the upper face of said device for entering data.

US Pat. No. 10,990,972

SYSTEMS AND METHODS FOR ROUTING ELECTRONIC TRANSACTIONS USING PSEUDO-NETWORK SIMULATION

Worldpay, LLC, Symmes To...

1. A computer-implemented method for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation, the method comprising:receiving, by at least one processor of a transaction routing server, transaction-related information from a merchant terminal via an electronic network, the merchant terminal associated with a merchant, the transaction-related information received in a first message format defining the received transaction-related information to include a bank identification number (“BIN”), one or more available payment network IDs, one or more merchant categories, an issuer regulatory status, a transaction amount, and a preferred status;
extracting, by the at least one processor of the transaction routing server, transaction routing criteria from the received transaction-related information;
dynamically identifying, by the at least one processor of the transaction routing server, one or more eligible payment networks based on the extracted transaction routing criteria;
dynamically identifying, by the at least one processor of the transaction routing server, one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount;
converting, by the at least one processor of the transaction routing server, the received transaction-related information from the first message format to one or more signature debit transactions in a second message format readable by a least cost PIN-less debit network selected from the eligible payment networks based on an identification of a desired breakeven transaction amount for the PIN-less debit network; and
routing, by the at least one processor of the transaction routing server, the one or more signature debit transactions in the second message format to the least cost PIN-less debit network.

US Pat. No. 10,990,971

NON-INTRUSIVE GEO-LOCATION DETERMINATION ASSOCIATED WITH TRANSACTION AUTHORIZATION

BANK OF AMERICA CORPORATI...

1. An apparatus for non-intrusive geo location determination for transaction authorization, whereby the apparatus enables authorization of at least one transaction associated with a user, based on at least determining a congruence of a user location and a transaction location, without retrieving geographic location coordinates from a user device, whereby the apparatus enables automatic and real time utilization of one or more payment credentials applicable for a transaction initiated by the user, the apparatus comprising:at least one memory;
at least one processor; and
a module stored in the memory, executable by the at least one processor, and configured to cause the at least one processor to:
establish an operative communication link between a point of sale terminal associated with a merchant and the user device comprising a mobile wallet application;
receive an indication that the user has initiated a transaction;
retrieve transaction information associated with the initiated transaction, wherein the transaction information comprises one or more transaction parameters, the one or more transaction parameters comprising a geographic location and a transaction amount;
implement non-intrusive geo location determination for authenticating the at least one transaction, comprising transmitting one or more polar queries related to the at least one transaction structured such that the one or more polar queries can be answered, automatically by the user device, in affirmative or in negative and validating the transaction based on (i) a polar query reply received from the user device in affirmative or in negative and (ii) without retrieving geographic location coordinates of the user device;
determine one or more payment credentials stored in a mobile wallet application of the user device applicable to process the transaction based on analyzing at least the transaction information, the one or more payment credentials being associated with the user, wherein each of the one or more payment credentials are associated with at least one correlated transaction parameter of the one or more transaction parameters;
initiate, automatically, a presentation of a graphical user interface for display on the user device, wherein the graphical user interface comprises the one or more payment credentials applicable to process the transaction, wherein initiating the presentation of the graphical user interface comprises:
in response to determining that the mobile wallet application is turned off or is running in the background on the user device, transmitting an activation control signal to the user device to cause the mobile wallet application to present the graphical user interface, in real time via a network;
receive via the graphical user interface, a user selection of at least one payment credential from the one or more payment credentials determined to be applicable to process the transaction; and
transmit via the established operative communication link between the point of sale terminal and the user device, the at least one payment credential to the point of sale terminal;
wherein, the transmitted at least one payment credential is configured to enable an external system to process the transaction based on the at least one correlated transaction parameter.

US Pat. No. 10,990,970

AUTOMATED FRAUD DETECTION

NCR Corporation, Atlanta...

1. A method, comprising:receiving, by a fraud rule generation interface that is executing on a hardware processor, a listing of fraud transactions provided by a fraud detection system;
presenting, by the fraud rule generation interface, the listing to a user for making selections;
receiving, by a fraud rule generation interface, a particular transaction as a transaction selection made by the user from the listing;
rendering, by the fraud rule generation interface, a screen on a display, wherein rendering further includes generating the screen with transaction fields for the particular transaction provided to a left side of the screen and with default fraud rule operators to a tight side of the screen;
obtaining, by the fraud rule generation interface, a selected field from the transaction fields from the user as a particular transaction field and obtaining a user-defined operator not provided in the default fraud rule operators as an input received from the user in place of any selection from the default rule operators;
populating, by the fraud rule generation interface, a value obtained from transaction information associated with the particular transaction that corresponds to the particular transaction field;
evaluating, by the fraud rule generation interface, the user-defined operator with the particular transaction field populated with the value;
generating by the fraud rule generation interface, a fraud rule for the fraud detection system based on: the particular transaction field, the user-defined operator, and the value; and
deploying, by the fraud rule generation interface, the fraud rule to the fraud detection system for immediate processing by the fraud detection system in fraud detection against other transactions processed by the fraud detection system based on the particular transaction field, the user-defined operator, and the value for the particular transaction field of the transaction.

US Pat. No. 10,990,969

POINT OF SALE (POS) SYSTEMS AND METHODS FOR DYNAMICALLY PROCESSING PAYMENT DATA BASED ON PAYMENT READER CAPABILITY

Square, Inc., San Franci...

1. A mobile communication device, comprising:a communication interface for communicating with first-type payment readers and second-type payment readers, each of the second-type payment readers having a 2nd generation kernel for processing payment information, and each of the first-type payment readers having a 1st generation kernel for processing payment information; and
at least one processor programmed with instructions that, when executed by the at least one processor, cause the at least one processor to:
determine that received data is processed second-type payment information, the processed second-type payment information having been processed by a 2nd generation kernel of a second-type payment reader;
transmit the processed second-type payment information to one or more payment servers for approval of payment transactions based on the processed second-type payment information;
determine that received data is first-type payment information processed by a 1st generation kernel of a first-type payment reader;
transmit the first-type payment information to one or more payment servers for approval of payment transactions based on the first-type payment information;
determine that received data is raw payment information from a first-type payment reader;
provide the raw payment information to a 2nd generation kernel of the mobile communication device for processing of the raw payment information; and
transmit the raw payment information, the raw payment information having been processed by the 2nd generation kernel of the mobile communication device, to one or more payment servers for approval of payment transactions based on the transmitted raw payment information,
wherein the raw payment information is card data in the format it was obtained from a payment device, and
wherein the processed first-type payment information and the processed second-type payment information each comprise card data that has undergone one or more payment processing functions after having been obtained from a payment device.

US Pat. No. 10,990,968

ACOUSTIC BASED PRE-STAGED TRANSACTION PROCESSING

NCR Corporation, Atlanta...

1. A computer implemented method comprising:receiving selection of an audible audio clip by an authorized user;
receiving transaction details including an indication of an amount and an identification of an account number associated with the authorized user and corresponding to a pre-staged transaction;
encoding the transaction details into an inaudible audio clip; and
combining the audible audio clip and the inaudible audio clip into a transferrable audio file that when played, identifies the pre-staged transaction for execution.

US Pat. No. 10,990,967

METHOD OF DISTRIBUTING TOKENS AND MANAGING TOKEN RELATIONSHIPS

Visa International Servic...

1. A method for facilitating a transaction, comprising:generating, via a token server computer, a token for use by a first entity computer, wherein the token is generated in response to a request received from the first entity computer;
transmitting, via the token server computer, the token to the first entity computer, wherein the first entity computer transmits the token to a second entity computer, wherein the first entity computer is a first merchant computer and the second entity computer is a second merchant computer;
receiving, at the token server computer and from the first entity computer, data indicative of the second entity computer successfully receiving the token, wherein the data comprises a first hashed value derived from at least:
a concatenated value that concatenates at least:
the token and
data indicative of an identity of the second entity computer, wherein the data indicative of the identity of the second entity computer is data that uniquely identifies the second entity computer,
wherein the first hashed value is generated by the second entity computer, and
wherein prior to receiving, at the token server computer and from the first entity computer, the data indicative of the second entity computer successfully receiving the token, the first entity computer receives the data indicative of the second entity computer successfully receiving the token from the second entity computer;
writing, by the token server computer, the data indicative of the second entity computer successfully receiving the token to a registry;
receiving, at the token server computer and from the second entity computer, data indicative of a third entity computer successfully receiving the token, wherein the data comprises a second hashed value derived from at least:
a concatenated value that concatenates at least:
the token and
data indicative of an identity of the third entity computer, wherein the data indicative of the identity of the third entity computer is data that uniquely identifies the third entity computer, and
wherein the second hashed value is generated by the third entity computer; and
writing, by the token server computer, the data indicative of the third entity computer successfully receiving the token to the registry.

US Pat. No. 10,990,966

SYSTEM AND METHOD FOR A MOBILE WALLET

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

1. A computer-implemented method comprising:receiving, by a mobile wallet computer system, a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user;
determining, by the mobile wallet computer system, a location of the mobile device;
receiving, by the mobile wallet computer system, transaction information from a merchant computer system associated with the merchant;
determining, by the mobile wallet computer system, a location of a merchant point-of-sale device in communication with the mobile device;
comparing, by the mobile wallet computer system, the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device;
comparing, by the mobile wallet computer system, the location of the mobile device to at least one predefined geographic region associated with the merchant;
after determining that the location of the mobile device is within the predefined distance of the location of the merchant point-of-sale device and that the location of the mobile device is outside of the at least one predefined geographic region, generating, by the mobile wallet computer system, a transaction code;
transmitting, by the mobile wallet computer system, the transaction code to the mobile device;
after determining that the location of the mobile device is within the predefined distance of the location of the merchant point-of-sale device and that the location of the mobile device is outside of the at least one predefined geographic region and after transmitting the transaction code to the mobile device, transferring, by the mobile wallet computer system, funds from a mobile wallet account of the user to a merchant account; and
after transferring the funds to the merchant account, transmitting, by the mobile wallet computer system, an indication that the mobile wallet transaction has been completed to the mobile device.

US Pat. No. 10,990,965

SINGLE SIGN-ON USING A SECURE AUTHENTICATION SYSTEM

VISA INTERNATIONAL SERVIC...

1. A method, comprising:managing, by an online banking server computer operated by or on behalf of an issuer, an online banking website providing i) display access to banking account data provided by the issuer of a banking account maintained by the issuer and associated with a user and ii) at least one interface for initiating a transaction with a merchant;
obtaining, by the online banking server computer from a user device, sign-on data for accessing the banking account online;
obtaining, by a wallet server computer from the online banking server computer associated with the issuer, the sign-on data obtained by the online banking server computer from the user device;
receiving, by the wallet server computer from the online banking server computer, a transaction request associated with the banking account and initiated via the online banking website;
sending, by the wallet server computer to the issuer computer associated with the issuer, the sign-on data initially obtained by the online banking server computer and an indication that the transaction request was initiated by the online banking server computer;
in response to receiving the indication that the transaction request was initiated through the online banking server computer;
authenticating, by the issuer computer, the user based on matching the sign-on data initially obtained by the online banking server computer to stored account data maintained by the issuer and associated with the banking account of the user, the authenticating being conducted without the issuer computer prompting the user for input;
validating, by the issuer computer, that the transaction request was initiated through the online banking server computer based on the indication; and
determining, by the issuer computer, that additional user authentication is not required based on the validating that the transaction request was initiated through the online banking server computer;
receiving, by the wallet server computer from the issuer computer, a confirmation message comprising an additional indicator indicating that the sign-on data has been authenticated by the issuer computer;
in response to receiving the additional indicator, executing, by the wallet server computer, the transaction request without the wallet server computer prompting the user for the additional user authentication.

US Pat. No. 10,990,964

SYSTEMS AND METHODS FOR DIGITAL ACCOUNT ACTIVATION

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

1. A computer-implemented method, comprising:receiving, by a financial institution computing system associated with a financial institution, a first input from a customer to establish an account at the financial institution;
establishing, by the financial institution computing system, the financial institution account for the customer based on registration information regarding the customer;
generating, by the financial institution computing system, a card number for a physical payment card and associating the card number with the financial institution account;
in response to establishing the financial institution account, transmitting, by the financial institution computing system, a mobile wallet application to a mobile device associated with the customer;
receiving, by the financial institution computing system, a second input from the customer to provision the financial institution account to the mobile wallet application before creation of the physical payment card associated with the financial institution account;
provisioning, by the financial institution computing system, the financial institution account to the mobile wallet application; and
associating, by the financial institution computing system, the card number with a status indicator displayed by the mobile wallet application, the status indicator associated with a digitally-active status that enables the customer to engage in mobile wallet transactions via the mobile wallet application using the financial institution account.

US Pat. No. 10,990,963

CROSS-ASSET TRADING WITHIN BLOCKCHAIN NETWORKS

Advanced New Technologies...

1. A computer-implemented method for private cross-asset trading in a blockchain network, the method being executed by one or more processors and comprising:receiving, by a first node in a blockchain network from a second node in the blockchain network via a sub-channel outside of the blockchain network, a private currency exchange rate;
generating, by the first node in the blockchain network and using Boneh-Goh-Nissim (BGN) encryption, first ciphertexts based on a first value and a second value, the second value being determined based on a product of the first value and the private currency exchange rate;
transmitting, by the first node to the second node via the sub-channel outside of the blockchain network, the first value and the first ciphertexts;
receiving, by the first node and from the second node via the sub-channel outside of the blockchain network, a first evidence set comprising a first set of data that includes evidence of the private currency exchange rate and evidence of the first ciphertexts;
verifying the private currency exchange rate in a zero-knowledge proof (ZKP) routine using the first evidence set comprising the first set of data without revealing the private currency exchange rate;
generating, by the first node, a second evidence set comprising a second set of data that includes second ciphertexts;
verifying, using the second evidence set comprising the second set of data and the ZKP routine, that the second ciphertexts are encrypted by a BGN public key of the first node;
defining, by the first node, a transaction comprising a first transaction between the first node and the second node for transfer of the first value from the first node to the second node, and a second transaction between the second node and a third node for transfer of the second value from the second node to the third node;
transmitting, by the first node via the blockchain network, the transaction to at least one consensus node of the blockchain network for verification and execution of the transaction, the transaction being verified based on the first evidence set and the second evidence set; and
in response to verifying the transaction, executing the first transaction between the first node and the second node to decrease a balance of the first node by the first value and increase a first balance of the second node by the first value, and executing the second transaction, based upon the private currency exchange rate, between the second node and the third node to decrease a second balance of the second node by the second value and increase a balance of the third node by the second value.

US Pat. No. 10,990,962

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

CAPITAL ONE SERVICES, LLC...

11. A dynamic transaction card comprising:a microprocessor to receive instructions to generate a barcode and transmit a signal to generate the barcode;
a display component comprising a plurality of light emitting diodes (LEDs), the display component:
receiving the signal to generate the barcode from the microprocessor;
driving individual LEDs of the plurality of LEDs at frequencies of greater than 50 Hz; and
creating an analog wave with spatial light voids readable by a barcode scanner, the spatial light voids created by light from individual LEDs interfering with light from other LEDs of the plurality of LEDs.

US Pat. No. 10,990,958

RFID/NFC FUNCTIONALITY FOR PORTABLE ELECTRONIC DEVICES

SMART CELLCO, INC., Wilm...

1. A system for conducting transactions and/or actions via an electronic wireless device comprising:an electronic wireless device including a dedicated communication component;
a transaction server and/or an application server, wherein the electronic wireless device is operable to connect to the transaction server and/or the application server over a network, wherein the dedicated communication component is operable to communicate with the transaction server and/or the application server to perform a transaction and/or an action;
wherein the electronic wireless device is operable both to stand alone and to access the cloud for on demand computing resources and uplinking and/or downlinking information related to the transaction or the action;
wherein the transaction and/or the action involves exchanging one or more tokens; and
wherein the transaction and/or the action results in a location identification.

US Pat. No. 10,990,957

SCAN AND PAY METHOD AND DEVICE UTILIZED IN MOBILE APPARATUS

ADVANCED NEW TECHNOLOGIES...

1. A scan-to-pay method for a mobile device, comprising:collecting, by the mobile device, at least one historical behavioral biometric signature;
storing, on the mobile device, the at least one historical behavioral biometric signature;
receiving, by the mobile device, a payment request from an operator of the mobile device; and
generating, by the mobile device, a payment code based on the payment request, wherein the payment code comprises a redundant number, wherein the generating a payment code based on the payment request comprises:
changing a value of the redundant number;
determining, based on the payment request, first information and second information, the first information being associated with a payment account, and the second information being associated with at least one recent behavioral biometric signature of the operator collected by the mobile device within a set time range of the payment request, and the at least one historical behavioral biometric signature, wherein the at least one historical behavioral biometric signature and the at least one recent behavioral biometric signature each include at least one of a posture to hold the mobile device, and finger pressing characteristics, the second information comprising a determination result of whether the operator is an owner of the mobile device based on a comparison of the at least one recent behavioral biometric signature and the at least one historical behavioral biometric signature;
determining an identifier value corresponding to the second information according to a mapping relationship between the second information and the identifier value; and
generating, based on the identifier value, the first information, and the redundant number, the payment code, wherein at least one digit in the payment code corresponds to the identifier value.

US Pat. No. 10,990,956

METHOD AND SYSTEM FOR PRESENCE BASED MOBILE PAYMENT

Intuit Inc., Mountain Vi...

1. A method for presence based mobile payment, comprising:receiving, from a user, a request for registration with a mobile payment service;
registering, by the mobile payment service, the user based on the request, wherein registering includes receiving a plurality of information items identifying the user;
receiving, from a point of sale system (PoS), one or more of the information items from the plurality of information items, and a payment authorization for a transaction,
wherein the one or more information items is broadcast through an advertising channel by a mobile device to the PoS in accordance with a communication standard without pairing the PoS to the mobile device,
wherein the advertising channel is a channel of the communication standard and is used for identification of available nearby devices,
wherein the one or more information items broadcasted over the advertising channel includes a financial account of the user,
wherein the payment authorization authorizes payment from a payment account of the user, and
wherein at least one of the broadcasted information items changes each time the broadcast is sent out to avoid fraud; and
facilitating, by the mobile payment service, payment for the transaction.

US Pat. No. 10,990,953

SYSTEMS, METHODS AND APPARATUS FOR PAYMENT TERMINAL MANAGEMENT

Worldpay, LLC, Symmes To...

1. A system, comprising:a terminal management hardware server comprising a processor, wherein the terminal management hardware server is in network communication with a plurality of remote payment terminals via a closed network, wherein each of the plurality of payment terminals comprises an encryption system, and
wherein the terminal management hardware server is configured to:
transmit, by way of the closed network, to each of the plurality of payment terminals, a request for an expiration date of the respective encryption system;
transmit, by way of an open network, to a terminal management entity, a request for an update to the respective encryption system based on the expiration of the respective encryption system; and
transmit to the respective payment terminal of the plurality of payment terminals, by way of the closed network, the respective update to the respective encryption system.

US Pat. No. 10,990,952

USER INTERFACES FOR USING SHARED DATABASES FOR MANAGING SUPPLEMENTAL PAYMENT SOURCES

Worldpay, LLC, Symmes To...

1. A computer-implemented method of managing a plurality of supplemental payment sources of a user within a user interface, the method comprising:generating, by a computer processor associated with a payment services computing system, a user interface on a computing device associated with a user of the payment services, the interface prompting the user to input:
by way of an input field in the user interface, an identifier of a primary payment source account of the user for applying resources to transactions originating at one or more merchants, the primary payment source account being stored in a database accessible by the payment services computing system, wherein the primary payment source account is represented by a primary payment source payment vehicle;
by way of a plurality of input fields in the user interface, identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being stored in the database, wherein the identifiers of the supplemental payment source accounts are linked in the database to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions; and
payment processing preference settings, linked to the identifier of the user's primary payment source account, for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to transactions, based on merchant identifiers or merchant categories of merchants involved in the transactions, wherein the payment processing preference settings comprise a plurality of payment combinations comprising the primary payment source account and one or more of the supplemental payment source accounts, each combination being linked to an identifier of a specific merchant or merchant category; and
upon receiving, by the computer processor, from the user a command to store the payment processing preference settings for a specific merchant or merchant category, storing the payment processing preference settings in the database and linking the identifier of the user's primary payment source account with the payment processing preference settings, wherein a transaction originated by the user presenting the primary payment source payment vehicle generates a transaction authorization request received by the computer processor identifying the identifier of the primary payment source account and the identifier of the specific merchant or the merchant category identifier of the merchant at which the transaction originates, wherein the payment services computing system automatically processes the transaction based on the stored payment processing preference settings using resources defined by the identified combination of payment source accounts.

US Pat. No. 10,990,951

SYSTEMS AND METHODS FOR A PAYMENT CARD WITH MULTIPLE FUNDING SOURCES

Mastercard International ...

1. A computer-implemented method for switching payment accounts during a single-swipe transaction using a multiple-funding source payment card, said method comprising the operations of:transmitting a cold reset signal to the multiple-funding source payment card;
receiving a first answer-to-reset message from the multiple-funding source payment card, the first answer-to-reset message including governing rules for performing the single-swipe transaction;
receiving payment account details for a first payment account in accordance with the governing rules;
receiving a first PIN input by a cardholder, the first PIN associated with the first payment account;
transmitting a first payment authorization request message for approval of the single-swipe transaction;
receiving a payment declined response message;
transmitting a warm reset signal to the multiple-funding source payment card in accordance with the governing rules;
receiving a second answer-to-reset message from the multiple-funding source payment card;
receiving payment account details for a second payment account in accordance with the governing rules;
receiving a second PIN input by the cardholder, the second PIN associated with the second payment account; and
transmitting a second payment authorization request message for approval of the single-swipe transaction.

US Pat. No. 10,990,950

SYSTEMS AND METHODS OF PRODUCT RECOGNITION THROUGH MULTI-MODEL IMAGE PROCESSING

Walmart Apollo, LLC, Ben...

1. A system to recognize retail products in a physical retail store, comprising:a customer database storing, for each of a plurality of customers of a retail company operating at least a first retail store, a customer profile storing one or more of purchase history information, product search history information, and product preference data;
a retail product database storing product data comprising product imaging data corresponding to each of tens of thousands of different retail products available for sale from the first retail store, wherein each of the imaging data corresponding to one of the different retail products and comprises a corresponding product identifier and at least image attribute data exclusively corresponding to the respective product; and
a model training system communicatively coupled with the product database, wherein the modeling training system comprises a training control circuit communicatively coupled with tangible memory storing a rules database maintaining rules and code that is when executed by the training control circuit cause the training control circuit, for each of the plurality of customers, to:
identify a first customer of the plurality of customers;
access, in the customer database, a first customer profile associated with the first customer;
access the rules database and obtain a first set of one or more filtering rules, and apply the first set of one or more filtering rules to filter the products identified in the product database based on each of the purchase history information, the search history information, and the product preference data corresponding to the first customer;
generate, based on a result of filtering the product database, a first listing of products specific to the first customer, wherein the first listing comprises a first subset of tens of retail products, of the tens of thousands of retail products, that the customer is predicted to attempt to identify one or more of the first subset of tens of retail products through image recognition implemented on a portable user device associated with the first customer;
access a second set of model training rules and apply the second set of model training rules to train a machine learning model to be applied by the portable user device in identifying one or more products from frames of video content captured by the portable user device, wherein the training is limited to the first listing of products and corresponding image data for each of the products in the first listing of products; and
communicate the trained machine learning model to the portable user device associated with the first customer.

US Pat. No. 10,990,949

PEER-TO-PEER (P2P) PERIPHERAL COMMUNICATION CONTROL

NCR Corporation, Atlanta...

1. A system, comprising:a host comprising a host processor and a host non-transitory computer-readable storage medium;
a device comprising a device processor and a device non-transitory computer-readable storage medium;
the host non-transitory computer-readable storage medium comprising host executable instructions;
the device non-transitory computer-readable storage medium comprising device executable instructions;
the host executable instructions when executed by the host processor from the host-non-transitory computer-readable storage medium cause the host processor to perform first operations comprising:
instructing the device to reboot as a peripheral upon detection of the device through a wired connection to the host
establishing a secure communication session with the device as the peripheral; and
controlling the peripheral during the secure communication session through messages passed during the secure communication session; and
the device executable instructions when executed by the device processor from the device non-transitory computer-readable storage medium cause the device processor to perform second operations comprising:
rebooting the device to operate in an accessory mode of operation as the peripheral;
processing some of the messages on the device received from the host during the secure communication session; and
sending other of the messages to the host for further processing by the host or a second peripheral during the secure communication session, wherein the messages are customized for the host using a customized message passing format.

US Pat. No. 10,990,948

SERVER-BASED ORDER PERSISTENCE AND/OR FULFILLMENT

Square, Inc., San Franci...

1. A system comprising:an application running on a point-of-sale (POS) device associated with a merchant, the POS device being located at a brick-and-mortar location of the merchant, the application comprising instructions to:
receive, by the application and via a graphical user interface presented via the POS device, input indicating that a customer desires to purchase a consumer good available for purchase at the brick-and-mortar location of the merchant;
add, by the application, an indication of the consumer good to an order associated with the customer; and
send, from the application, the order to one or more servers associated with a remotely located payment processing service via a network; and
the one or more servers of the remotely located payment processing service, comprising:
one or more processors; and
one or more computer-readable instructions executable by the one or more processors to:
receive, by the one or more servers, the order from the POS device at a first time;
store, by the one or more servers, the order in a storage data structure associated with the one or more servers;
determine, by the one or more servers and at a second time after the first time, an interruption in a connection with the POS device, wherein the interruption prevents the one or more servers from connecting, via the network, to the POS device;
change, by the one or more servers, a status of the order based at least in part on the interruption, the status indicating that the order is to be sent to the POS device upon determining that the connection is reestablished;
based at least in part on receiving a communication from the POS device, determine, by the one or more servers and at a third time after the second time, reestablishment of the connection with the POS device, wherein the reestablishment of the connection enables the one or more servers to connect, via the network, to the POS device; and
send, by the one or more servers, the order from the one or more servers to the POS device at a fourth time after the third time and based at least in part on (i) the status indicating that the order is to be sent to the POS device upon determining that the connection is reestablished and (ii) determining the reestablishment of the connection with the POS device.

US Pat. No. 10,990,947

POINT-OF-SALE DEVICE AND METHOD FOR GENERATING A DISCOUNTED AUTHORIZATION REQUEST

The Toronto-Dominion Bank...

1. A point-of-sale device comprising:a computer-readable memory;
an input device;
a local area network interface configured for communication with a local area network;
a wide area network interface configured for communication with a wide area network, wherein the wide area network and the local area network each include a respective physical data transmission layer, and network requirements of the physical data transmission layer of the wide area network are incompatible with network requirements of the physical data transmission layer of the local area network; and
a processing unit coupled to the computer-readable memory, the input device and the network interfaces and configured to:
receive a first authorization value from an input device of the point-of-sale device;
receive from a mobile device, via the local area network interface, an adjustment request comprising a data structure and a user identifier, the data structure including an adjustment value and a data structure identifier, wherein the processing unit is further configured to receive the adjustment request by:
generating a token,
saving the token in the computer-readable memory,
transmitting the token to the mobile device via the local area network interface, and
receiving the token from the mobile device, together with the data structure and the user identifier, via the local area network interface;
respond to the adjustment request by (i) saving the data structure in the computer-readable memory, and (ii) transmitting a validation request to a validation server via the wide area network interface, the validation request including the data structure and the user identifier, wherein the processing unit is further configured to respond to the adjustment request by:
validating the token by confirming that the processing unit saved the token in the computer-readable memory, and
removing the token from the computer-readable memory;
receive from the validation server, via the wide area network interface, a validation response in response to the validation request, the validation response providing a confirmation that, prior to receiving the validation request, the validation server had saved the data structure identifier of the data structure in a user profile database in association with the user identifier; and
respond to the validation response by (i) recovering the adjustment value from the data structure saved in the computer-readable memory, (ii) generating a second authorization value from a difference between the first authorization value and the adjustment value, and (iii) transmitting an authorization request message to an authorization server over a payment network via the wide area network interface, the authorization request message including the second authorization value.

US Pat. No. 10,990,946

OPEN TICKET PAYMENT HANDLING WITH OFFLINE MODE

Square, Inc., San Franci...

1. A method for processing an order, the method comprising:receiving, by a first device communicatively coupled with one or more servers of a payment service, an order associated with a transaction, the first device configured to communicate with a second device;
storing, by the first device, a state of the order and a data structure associated with the order;
determining, by at least one of the first device or the second device, that the first device and the second device are able to communicate with each other via a network;
based at least in part on the determining, obtaining, by the second device and from the first device via the network, the state of the order and at least a part of the data structure;
obtaining, by the second device, an indication of a change in the state of the order;
at least partly in response to obtaining the indication, updating, by the second device, the data structure resulting in an updated data structure;
obtaining, by the first device from the second device via the network, the updated data structure;
based at least in part on obtaining the updated data structure, processing, by the first device, the updated data structure by performing at least one of:
reconciling the data structure with the updated data structure;
merging the data structure with the updated data structure; or
prioritizing the updated data structure over the data structure; and
based at least in part on processing the updated data structure, sending, by the first device to the one or more servers of the payment service, a request to process a payment for a cost of the transaction.

US Pat. No. 10,990,945

SELF-CHECKOUT SYSTEM

1. A self-checkout system for controlling an exit, comprising at least one passage gate, of a checkout area, said system comprising a sensor arrangement comprising at least one sensor, wherein the sensor arrangement is configured to:continuously track, by the at least one sensor, a person being inside the checkout area, wherein the tracking is performed without identifying the identity of the person, by assigning an unique identification value to said person, wherein the unique identification value is not coupled to the identity of the person being tracked;
receive a payment signal confirming a successful payment of at least one article by a person;
receive an exit detection signal from the at least one sensor representing that a person is at a predetermined distance from the exit in the checkout area; and
determine if the person, that is at a predetermined distance from the exit, is allowed to exit the checkout area by:
determining if the exit detection signal and the payment signal correspond to the same person, and if so
transmit an opening signal to said at least one passage gate at the exit so as to open the gate and allow said person to exit the area.

US Pat. No. 10,990,944

METHODS AND SYSTEMS FOR RELAYING A PAYMENT CARD DETAIL DURING A TELEPHONE CALL BETWEEN A CUSTOMER'S TELEPHONE AND A VENDOR'S TELEPHONE

1. A method for relaying a customer's payment card detail during a telephone call between a customer's telephone and a vendor's telephone, the customer's telephone comprising a display, a non-transitory storage device, and a processor configured to execute a software application installed on the telephone, the method comprising:(a) receiving, by the software application, the payment card detail and storing the payment card detail on the non-transitory storage device;
(b) initiating a purchase transaction via a telephone call between the customer and the vendor, wherein the telephone call comprises a voice-to-voice connection through which each of the vendor and the customer may audibly relay information to complete the purchase transaction;
(c) during the telephone call, displaying via the display, by the software application, an interface to the customer and receiving, by the interface, a predetermined input associated with the payment card detail, wherein the input causes the software application to access the payment card detail;
(d) converting, by the customer's telephone, using at least one text-to-speech algorithm associated with the software application, the payment card detail to a digital signal, wherein the digital signal is transmissible via the voice-to-voice connection and is configured to cause the vendor's telephone to relay to the vendor the payment card detail via a speaker of the vendor's telephone, wherein the vendor is a human and the relayed payment card detail is audible speech understood by the human; and
(e) transmitting the digital signal to the vendor's telephone via the voice-to-voice connection.

US Pat. No. 10,990,943

SYSTEMS AND METHODS FOR ADVANCED ENERGY SETTLEMENTS, NETWORK- BASED MESSAGING, AND APPLICATIONS SUPPORTING THE SAME

CAUSAM ENTERPRISES, INC.,...

1. A method for advanced energy settlements in an electric power grid, comprising:providing an advanced energy settlement platform comprising at least one server computer operable for communication over a network with a multiplicity of distributed computing devices, a multiplicity of power consuming devices of at least one energy customer, and revenue grade generators;
the advanced energy settlement platform aggregating power consumption data from the multiplicity of power consuming devices of the at least one energy customer and aggregating revenue grade power supply data from the revenue grade generators;
the advanced energy settlement platform aggregating revenue grade equivalent power supply data, wherein the revenue grade equivalent power supply data includes revenue grade metrology as required by a utility or a governing entity for management and settlement on the electric power grid;
the advanced energy settlement platform creating real-time settlements, wherein the real-time settlements are revenue grade settlements based on the revenue grade metrology;
aggregating and settling distributed energy charges with the revenue grade generators for the multiplicity of power consuming devices from the at least one energy customer based on the real-time settlements during a billing period;
aggregating and settling fixed energy charges with an energy retailer or a retail energy provider for the at least one energy customer during the billing period;
the revenue grade generators altering power supply patterns based on the real-time settlements; and
the advanced energy settlement platform managing and/or distributing and/or allocating a customer payment for the billing period among generators and an existing energy retailer of the at least one energy customer.

US Pat. No. 10,990,942

FUEL DISPENSER COMMERCE

Wayne Fueling Systems LLC...

1. A method of coordinating fuel dispenser operations, the method comprising:identifying an operation that is to be performed by at least one of a plurality of fuel dispensers in electronic communication with one another;
determining whether only one of the plurality of fuel dispensers is to perform the operation or whether two or more of the plurality of fuel dispensers are to perform the operation;
in response to determining that only one of the fuel dispensers is to perform the operation, causing the one of the fuel dispensers to perform the operation; and
in response to determining that two or more of the fuel dispensers are to perform the operation at the same time, coordinating timing of the performance of the operation by the two of more fuel dispensers.

US Pat. No. 10,990,940

SERVER VALIDATION OF WEBSITE SCRAPED DATA

Intuit Inc., Mountain Vi...

1. A method comprising:establishing a network connection with a plurality of servers executing at least one web application;
executing, via the network connection, a set of computer executable scraping instructions on the at least one web application to obtain a set of scraped data from an account server;
receiving a plurality of electronic messages transmitted via a network from at least one of a messaging server and a collection application;
generating a first set of records from the set of scraped data from the account server;
generating a second set of records from the plurality of electronic messages from the at least one of the messaging server and the collection application;
validating the set of computer executable scraping instructions to obtain a validation result, wherein the validating includes locating a transaction in the second set of records that is missing in the first set of records; and
generating, based on the validation result, an alert to update the set of computer executable scraping instructions.

US Pat. No. 10,990,938

METHODS AND SYSTEMS FOR IMPLEMENTING DYNAMIC BILLING

John Hancock Life Insuran...

1. A method of implementing dynamic billing for a life insurance policy, the method comprising:automatically adjusting billed premiums of a life insurance policy on an ongoing basis to maintain client-specific coverage objectives by:
receiving, by a processor of a computing device, from a processor of a point of sale computing device, a plurality of dynamic billing objectives wherein the dynamic billing objectives comprise at least one member selected from the group consisting of: assumptions, actual policy performance, current crediting rates, and one or more on-file policy illustration objectives specified by the policy owner;
generating, by the processor of the computing device, a unique identifier associated with a life insurance policy and associating the unique identifier with the plurality of dynamic billing objectives;
storing, by the processor of the computing device, in a database accessible by an illustration system and an administrative system, the dynamic billing objectives;
receiving, by a processor of the illustration system, from a processor of an administration system, current policy in-force values associated with the life insurance policy;
querying, by the processor of the illustration system, the database for one or more dynamic billing objectives using the unique identifier associated with the life insurance policy;
calculating, by the processor of the illustration system, a recalculated premium value based at least in part on the current policy in-force value and the actual policy performance, wherein the actual policy performance comprises at least three members selected from the group consisting of interest credits, wellness statuses achieved, policy charges, policy credits, timing of premiums paid, amount of premiums paid, fund performance, premium payments, rider terminations, distributions, death benefit increase, and death benefit decrease;
providing, to the processor of the administration system, the recalculated premium value; and
overwriting, by the processor of the administration system, in a database associated with the administration system, a planned premium value with the recalculated premium value.

US Pat. No. 10,990,937

RETAIL CARD APPLICATION

Comenity LLC, Columbus, ...

1. An application platform configurable for processing a plurality of retail-branded credit cards comprising:a plurality of retail-branded credit cards stored in a memory of a user's mobile device;
a configurable front end comprising a graphical user interface layer that is configurable to a specific one of said plurality of retail-branded credit cards,
the graphical user interface layer configured to present an animated digital watermark in conjunction with the specific one of the plurality of retail-branded credit cards,
a touch of the animated digital watermark causes information to be displayed, the information being a visual authentication of the specific one of the plurality of retail-branded credit cards;
a backend layer comprising credit card functionality for directly performing credit card transactions associated with said specific one of said plurality of retail-branded credit cards after the animated digital watermark has been touched; and
a location service coupled with said front end and coupled with said backend layer for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards.

US Pat. No. 10,990,936

SYSTEMS AND METHODS FOR FUNDS TRANSFERS VIA A FEDERATED DIRECTORY

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

9. A method, comprising:receiving, by a federated directory management computer system, data from two or more payment directories, the data comprising information pertaining to one or more users enrolled with each of the two or more peer-to-peer payment directories;
normalizing, by the federated directory management computer system, the received data to create a uniform database by:
converting at least some of the received data into a uniform file type,
categorizing the uniform file type and at least some of the received data based on a source peer-to-peer payment directory for the at least some of the received data and the received data associated with the uniform file type, and
providing the categorized uniform file type and received data information into categories specific to each peer-to-peer payment directory of the two or more peer-to-peer payment directories in the uniform database the uniform database;
generating, by the federated directory management computer system, a fund transfer rule that designates a payment rail for a fund transfer request based on a peer-to-peer payment directory of the two or more peer-to-peer payment directories being a sender or a recipient of funds;
receiving, by the federated directory management computer system, a fund transfer request regarding a payor and a payee;
querying, by the federated directory management computer system, the uniform database to identify the payee;
determining, by the federated directory management computer system, the payee belongs to a first payment directory different from a second payment directory of the payor based on the identity of the payee;
determining, by the federated directory management computer system, a payment rail based on the generated fund transfer rule and the determined first payment directory; and
causing, by the federated directory management computer system, the fund transfer via the determined payment rail.

US Pat. No. 10,990,935

TRANSFERRING FUNDS BETWEEN TWO PARTIES

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

1. A method implemented on a first electronic computing device for transferring funds to a second electronic computing device, the method comprising:on the first electronic computing device, establishing a first pre-paid payment account;
sending, by a first user via first electronic computing device to a financial institution electronic computing device, a request to transfer a portion of the funds in the first pre-paid payment account to a second user at a second electronic computing device;
using the first pre-paid payment account, establishing, by the financial institution electronic computing device, a second pre-paid payment account in an amount of the portion of the funds, the second pre-paid payment account having a value that is less than or equal to the first pre-paid payment account;
sending, by the financial institution electronic computing device to the first user at the first electronic computing device, a first account identifier including a first token and a first transfer code for the second pre-paid payment account;
sending, by the first user via the first electronic computing device, the first account identifier to the second user at the second electronic computing device;
as a result of the second user via the second electronic computing device sending the first account identifier to the financial institution electronic computing device of the financial institution that holds the portion of the funds in the second pre-paid payment account, receiving, by the second user at the second electronic computing device:
a second account identifier, created from the financial institution electronic computing device, including the first token and a second transfer code for the second pre-paid payment account created by the financial institution electronic computing device upon receiving the first account identifier from the second electronic computing device, the second pre-paid account being associated with the second transfer code of the second account identifier instead of the first transfer code of the first account identifier; and
a confirmation from the financial institution electronic computing device to the first user at the first computing device, indicating that ownership of the second pre-paid payment account has been transferred from the first user at the first electronic computing device to the first second user at the second electronic computing device; and
after the confirmation from the financial institution electronic computing device, removing the second pre-paid payment account from the first electronic computing device.

US Pat. No. 10,990,934

USER INTERFACE FOR LOYALTY ACCOUNTS AND PRIVATE LABEL ACCOUNTS FOR A WEARABLE DEVICE

Apple Inc., Cupertino, C...

1. A non-transitory computer-readable storage medium comprising one or more programs for execution by one or more processors of a first electronic device with a display and one or more wireless communication elements, the one or more programs including instructions for:displaying, on the display, an enrollment user interface for linking payment accounts to the first electronic device that includes displayed instructions for user input that will cause the first electronic device to initiate a process for linking a payment account to the first electronic device;
receiving a sequence of one or more inputs that conforms to the instructions and corresponds to a first request to link the payment account associated with a payment card to the first electronic device;
in response to receiving the sequence of one or more inputs that conforms to the instructions and corresponds to the first request, initiating a process for linking the payment account to the first electronic device;
after successfully linking the payment account to the first electronic device, concurrently displaying, on the display:
an indication that the payment account has been successfully linked to the first electronic device; and
a selectable affordance for linking the payment account to a second electronic device that is different from the first electronic device and is paired to the first electronic device;
receiving activation of the selectable affordance; and
in response to receiving activation of the selectable affordance, initiating a process for linking the payment account to the second electronic device that is different from the first electronic device and is paired to the first electronic device, wherein the process for linking the payment account to the second electronic device includes displaying, on the display of the first electronic device, instructions for user input at the first electronic device to link the payment account to the second electronic device.

US Pat. No. 10,990,933

SYSTEM AND METHOD FOR A PRIVATE AND SECURE FINANCIAL TRANSACTION SYSTEM USING AN ATM

1. A method of interfacing by an ATM with a customer for a financial transaction, comprising the steps of:providing a central system for managing operations of ATMs of a financial institution, wherein the central system has a CPU, a memory, a central system logic stored in the memory and operating in the CPU, and a central system database server, wherein pre-storing by the central system database server customer electronic addresses of select customers;
providing an ATM, wherein the ATM has a printing mechanism and an ATM logic, wherein the ATM logic controls the printing mechanism for printing an ATM transaction receipt for an ATM transaction by the customer at the ATM;
interfacing by the ATM with the customer, using a mobile wireless device of the customer for the purpose of identifying the customer being in proximity to the ATM for the ATM transaction in lieu of receiving customer identifying data from an ATM card;
suppressing printing of the ATM transaction receipt by the ATM logic; and
sending electronically by the central system logic the ATM transaction receipt to one of the select customers via the pre-stored customer electronic addresses of select customers in the central system database server.

US Pat. No. 10,990,932

SYSTEMS FOR TEAMING UP, CALENDARING, SOCIAL NETWORKING, PLANNING, AND E-COMMERCE

1. A system for a user-vendor interface between a user and a vendor, the system comprising:a memory; and
a processor coupled to the memory, the processor being configured to:
receive input from a team lead vendor for a team timeline for a team;
create the team timeline for the team;
display the team timeline for the team;
receive input from the team lead vendor for starting the team with at least one team member;
create the team with the at least one team member;
display the team with the at least one team member;
receive input from the at least one team member for a team member event;
create the team member event in the team timeline;
display the team member event in the team timeline;
receive input from the team lead vendor to publish the team timeline for access by a timeline user;
create the published team timeline for access by the timeline user; and
display the published team timeline and permit access by the timeline user; and
the system further comprises:
a virtual middle layer within the system's architecture;
wherein the virtual middle layer converts a first user-vendor interface for the timeline user with a first vendor to be the same as a second user-vendor interface for the timeline user with a second vendor, with display of at least one of main timelines, one of sub-timelines, and one of subscribed-to vendor timelines, so as to allow the timeline user to interface with a plurality of vendors using the same user-vendor interface; and
wherein the virtual middle layer produces a 2-way acceptance and rejection process between vendors, so that vendors make partnerships with each other dynamically.

US Pat. No. 10,990,931

SYSTEM AND METHOD FOR WORK PERIOD SCHEDULER

1. A system for analyzing performance data comprising: a work force management server operating one or more processors and outputting data to a work force management database comprising a memory to store performance data; a real-time server providing information collected about individual workers to the work force management server, at least some of the information produced by processor-executed applications operating on agent workstations; a voice of customer server providing customer satisfaction data to the work force management server; a service layer executing one or more processors to receive a request for a schedule, and place the request in a queue; and a scheduler operating one or more data processors configured to: retrieve the request from the queue; receive from the work force management database performance data relating to the performance of one or more individual workers; analyze the performance data to identify one or more workers as a leader, wherein a leader is a worker whose presence in a group of the individual workers results in an improvement in overall performance of said group, a worker being a leader it an aggregate value of one or more performance indicators for a criterion over workers in a pool during time periods when the worker was present, minus an aggregate value of the one or more performance indicators for the criterion over workers in the pool during time periods when the worker was not present, is greater than a threshold; and based on the identification of one or more workers as a leader automatically create a schedule of work periods based on one or more skills attributed to one or more workers, such that for each schedule work period, a leader is included in the work period with the aim of increasing performance of workers assigned to the work period.

US Pat. No. 10,990,930

AUTONOMOUS EVENT GENERATOR

International Business Ma...

1. A computer-implemented method, comprising:executing an automated scheduling assistant on a computerized device processor;
receiving event data, wherein the event data comprises a plurality of attendees, an agenda item, and an event completion date;
searching each of a plurality of calendars of each of the attendees for available time slots before the event completion date;
determining whether all the attendees have at least one available time slot in common within each of the calendars of the attendees that can accommodate a length of time required for a new event to accommodate the agenda item;
in response to determining that all of the attendees do not have at least one available time slot in common within the calendars of the attendees, the automated scheduling assistant autonomously selecting another time slot for rescheduling a previously scheduled event for a first of the attendees from a first time slot as a function of complying with a rule that is selected from the group consisting of preventing moving an event with an external attendee, preventing scheduling of the another time slot within a threshold time of another event scheduled within the calendars of the attendees, preventing a cancelation of an event with an attendee with a certain title, and preventing a cancelation of a recurring event;
the automated scheduling assistant autonomously rescheduling the previously scheduled event for the first of the attendees from the first time slot to the another time slot, wherein the rescheduling creates a free time slot within each of the plurality of calendars for all the attendees that spans the length of time required for the new event and includes the first time slot; and
the automated scheduling assistant autonomously scheduling an event that includes the agenda item during the free time slot within each of the calendars of the attendees.

US Pat. No. 10,990,929

SYSTEMS AND METHODS FOR GENERATING AND TRANSMITTING TARGETED DATA WITHIN AN ENTERPRISE

ServiceNow, Inc., Santa ...

1. A system, comprising:a non-transitory, machine-readable medium storing code for performing one or more operations; and
a client instance hosted by a data center, wherein the client instance is generated for one or more client networks, the system comprising a processor configured to perform the operations comprising:
receiving a request for information provided as an input by a requestor, wherein an answer to the request for information varies based on one or more characteristics of the requestor, wherein the request comprises filter data comprising one or more search terms and the one or more characteristics of the requestor, wherein the one or more characteristics of the requestor are determined automatically by the system based on an identification of the requestor, and wherein the one or more characteristics of the requestor comprise demographic information of the requestor;
identifying an initial knowledge article based upon the request;
determining that the initial knowledge article includes incorrect or outdated information;
in response to determining that the initial knowledge article includes the incorrect or outdated information, retrieving a plurality of knowledge articles from one or more databases accessible by the client instance based on the search terms, wherein each knowledge article of the plurality of knowledge articles is related to a different topic that is relevant to the request, wherein the plurality of knowledge articles each comprise a plurality of knowledge blocks, and wherein each knowledge block of the plurality of knowledge blocks of each knowledge article is tagged with metadata that identifies a relevant demographic for each knowledge block;
identifying one or more knowledge blocks of each of the plurality of knowledge articles that do not include the incorrect or outdated information and the one or more knowledge blocks are relevant to the requestor based at least in part on an overlap between the demographic information of the requestor and the metadata of the plurality of knowledge blocks;
assembling an additional knowledge article comprising the one or more identified knowledge blocks of each of the plurality of knowledge articles, wherein assembling the additional knowledge article comprises at least arranging an order of the one or more knowledge blocks of the response into the additional knowledge article configured to provide the answer that is specifically applicable to the requestor based at least in part on the demographic information of the requestor; and
outputting the additional knowledge article to a client device interacting with the client instance.

US Pat. No. 10,990,928

ADAPTIVE RECRUITMENT SYSTEM USING ARTIFICIAL INTELLIGENCE

Lucas GC Limited, Hong K...

11. An apparatus comprising:a network interface that connects the apparatus to a communication network;
a memory; and
one or more processors coupled to one or more memory units, the one or more processors configured to
categorize a job requirement into a set of job skills based on a body of knowledge (BOK) skill knowledge base;
generate a question bank comprising a list of questions based on the set of job skills and a BOK question knowledge base;
select adaptively a subset of questions from the generated question bank for an online interview with a candidate based on a predefined rule, wherein each question selected is based on evaluations of one or more answers from the candidate to corresponding prior questions using a recurrent neural network (RNN) model; and
generate a feedback report for the candidate, wherein the feedback report using the RNN model based on evaluations of answers from the candidate and a BOK candidate knowledge base, wherein the BOK candidate knowledge base receives updates from the computer system.

US Pat. No. 10,990,927

SYSTEMS AND METHODS FOR MANAGING MOBILE WORKERS

SYNCrew, Inc., Oakland, ...

1. A system for constructing and indexing a verification database for mobile workers, comprising:at least one processor that:
identifies location data corresponding to a location of a mobile worker;
sends to a mobile device associated with the mobile worker, a list of projects from a database of worksite projects associated with at least one of a business, a customer, a subcontractor, or the mobile worker, wherein the list of projects is ordered by distance from the mobile worker, and the location of the mobile worker is used to determine the ordered list of projects by comparing the distances between a mobile worker's location and locations of the projects;
receives from the mobile device associated with the mobile worker, a selection of a project from the list of projects;
displays, in response to the selection, a project clock in button;
prompts the mobile worker to obtain an image or video reflecting at least a portion of the project prior to allowing the mobile worker to activate the project clock in button;
obtains from the mobile device associated with the mobile worker, an image or video reflecting at least a portion of the project;
determines the obtained image or video being complete or incomplete, and provides an alert if the image or video is incomplete;
provides information associated with the image or video indicating that at least a portion of the project is complete;
determines a timestamp reflecting a time of day the image or video was obtained;
constructs and indexes a verification database including the received selection, the obtained image or video, the identified location data, and the determined timestamp;
enables filtering and searching of the verification database by the at least one of the business, the customer, the subcontractor, or the mobile worker;
prompts, in response to a request to clock out or a progress update, the mobile worker to obtain an additional image or video reflecting at least a portion of the project; and
generates a break alert when a mobile worker has been clocked in to one or more projects during a given day for longer than a predetermined period of time.

US Pat. No. 10,990,926

MANAGEMENT OF RESOURCES IN VIEW OF BUSINESS GOALS

INTERNATIONAL BUSINESS MA...

1. A method for managing and reallocating computer resources, comprising the steps of:a computer creating a prioritization list of a set of project functions, wherein each project function is a computer function based on a specific function of a computer, and wherein the created prioritization list comprises resource management information associated with each project function including an amount of one or more computer resources that are being utilized by each specific function, a priority level assigned to each specific function to distinguish priority of one type of computer function over another type of computer function, and a usage cost associated with each specific function;
the computer detecting a request for the one or more computer resources for a requesting computer project function, wherein the request further includes a request to do one or more of alter one or more project functions of the set of project functions, add one or more project functions to the set of project functions, and remove one or more project functions from the set of project functions;
the computer determining whether to allow the request for the requesting computer project function based on a comparison of the priority level and the resource management information of the one or more project functions on the prioritization list to one or more of the resource management information associated with the requesting computer project function and one or more additional factors, wherein the one or more additional factors comprise a determination of complications arising from stopping or changing the one or more project functions; and
in response to determining that one or more of the resource management information of the requesting computer project function is not higher than at least one of the resource management information of the one or more computer project functions associated with the prioritization list, the computer generating a prompt for allowing the request for the one or more computer resources.

US Pat. No. 10,990,925

DOCUMENT EVENT BROKERING AND AUDIT SYSTEM

GLOBAL HEALTHCARE EXCHANG...

1. A method comprising:obtaining, by a computer, a reference number from an electronic business document, wherein the reference number includes at least one of a vendor identifier or a client identifier;
detecting, by the computer, a first event associated with the electronic business document, wherein the first event represents a system notification;
communicating, by the computer, the system notification to an event listener;
triggering, by the computer, a first action to perform based on the detecting of the first event;
combining, by the computer, the triggering with recording results in reading and writing processing improvements as a single command;
performing, by the computer, the first action;
determining, by the computer, a second event based on a performance of the first action;
creating, by the computer, an event flow including the first event and the second event;
searching, by the computer, data within the electronic business document and metadata about the electronic business document; and
routing, by the computer and based on the searching, the electronic business document.

US Pat. No. 10,990,924

SYSTEM AND METHOD FOR VARIANT CONTENT MANAGEMENT

Messagepoint Inc., Toron...

1. A processing system for composing a new touchpoint variant based on a first touchpoint variant and a second touchpoint variant created from the first touchpoint variant, the each of the first and second touchpoint variants comprising a plurality of message zones including a first message zone, each having a default message content selected from a hierarchical content database and targeting rules for identifying a group of recipients, the processing system comprising: a processor, memory and a non-transitory computer readable medium storing instructions that when executed by the processor perform the steps of:creating the second touchpoint variant by:
creating a layout for the second touchpoint variant based on the first touchpoint variant, the second touchpoint variant having a corresponding plurality of new zones including a first new message zone;
displaying in a user interface, one or more of the plurality of new zones;
receiving editing input associated with a selected one of the plurality of zones;
in response to receiving said editing input selecting said selected new zone, updating a list obtained from said hierarchical content database to show only message content from higher up in said hierarchical content database having message content specific to the selected new zone,
updating the first new message zone with a new message comprising at least one new envelope and at least one new message content wherein each of the at least one the new envelope comprising a priority attribute, the at least one new message content selected from said hierarchical content database based on the priority attribute such that determining which message contents among a plurality of applicable message contents takes precedence in the event that not all of the applicable messages will fit in the first new message zone, comprises selecting message contents having the highest priority that fit within the new message zone;
in response to receiving input selecting a message content from the list, rendering the message content in said selected new zone for the selected zone,
in response to receiving another input, creating at least one new additional second message zone for the second touchpoint variant and for each descendant of the second touchpoint variant, said additional second message zone not having a corresponding message zone in said existing touchpoint variant, and
creating the new touchpoint variant
creating a layout for the new touchpoint variant based on the second touchpoint variant, the new touchpoint variant having a corresponding plurality of new zones including a first new message zone;
displaying in a user interface, one or more of the plurality of new zones;
receiving editing input associated with a selected one of the plurality of zones;
in response to receiving said editing input selecting said selected new zone, updating a list obtained from said hierarchical content database to show only message content from higher up in said hierarchical content database having message content specific to the selected new zone,
updating the first new message zone with a new message comprising at least one new envelope and at least one new message content wherein each of the at least one the new envelope comprising a priority attribute, the at least one new message content selected from said hierarchical content database based on the priority attribute such that determining which message contents among a plurality of applicable message contents takes precedence in the event that not all of the applicable messages will fit in the first new message zone, comprises selecting message contents having the highest priority that fit within the new message zone;
in response to receiving input selecting a message content from the list, rendering the message content in said selected new zone for the selected zone,
in response to receiving another input, creating at least one new additional second message zone for the new touchpoint variant and for each descendant of the new touchpoint variant, said additional second message zone not having a corresponding message zone in said existing touchpoint variant, and
outputting the touchpoint to at least one device of the group of recipients identified by the targeting rules.

US Pat. No. 10,990,922

CONTINUOUS INVENTORY MANAGEMENT

ROAMBEE Corporation, San...

1. A method, comprising:associating a wireless tracker co-located with an asset, wherein the wireless tracker emits a tracker identification and a sensor payload including a fixed identification;
receiving a code via the wireless tracker at a shipment origin;
receiving, by at least one of a plurality of mobile devices, the tracker identification, and the sensor payload as the asset and wireless tracker are moved from one location to another location;
forwarding the tracker identification, the sensor payload, and an associated location of the at least one of the plurality of mobile devices to a server; and
monitoring the tracker identification and the associated location of the at least one of the plurality of mobile devices;
receiving another code at the wireless tracker at a shipment destination;
determining that the location of the wireless tracker is within a distance threshold of the shipment destination; and
transmitting a notification via the wireless tracker to the server to verify a chain of custody of the shipment when the another code was received by an authentication module of the wireless tracker within a time threshold and the distance threshold.

US Pat. No. 10,990,921

INTEGRATED WAREHOUSE MANAGEMENT, SHIPPING, AND INVENTORY CONTROL SYSTEM

PACIFIC CARPET DISTRIBUTO...

1. A computer system for managing the storage and delivery of a plurality of physical goods, the system comprising:at least one processor;
at least one storage device;
a data store stored in the at least one storage device; and
a management program including a plurality of instructions stored in the at least one storage device and executable by the at least one processor to:
add first information relating to a first physical good to the data store using a first software module, wherein the first information includes indication of a packaging tier structure of the first good;
add second information relating to a second physical good to the data store using the first software module, wherein the second information includes indication of a packaging tier structure of the second good that is different than the packaging tier structure of the first good;
query the data store to generate a single table including selected identifying information relating to the first good and the second good; and
using a second software module, add delivery information relating to the first good and the second good by updating the first information and the second information in the data store;
wherein the first software module and the second software module are configured to communicate with each other only via the data store.

US Pat. No. 10,990,920

DELIVERY METHOD AND SYSTEM OF RECYCLABLE LOGISTICS APPARATUS

SHANGHAI HONGYAN RETURNAB...

1. A delivery method of recyclable logistics apparatus, wherein each recyclable logistics apparatus is provided with a wireless tag, the wireless tag is configured to broadcast a wireless signal which at least contains an identification of the recycle logistics apparatus;a first wireless sensing network is pre-set in a first delivery region, and a second wireless sensing network is pre-set in a second delivery region, wherein a wireless sensing network is configured to receive wireless signals broadcasted by wireless tags of all recyclable logistics apparatuses in a coverage area of the wireless sensing network, and each wireless sensing network comprises at least one wireless sensing device;
the delivery method comprises the following steps:
automatically identifying, according to detection results of the first wireless sensing network at two successive moments, identification(s) of recyclable logistics apparatus(es) leaving the first delivery region, as a first candidate delivery set;
automatically identifying, according to detection results of the second wireless sensing network at two successive moments, identification(s) of recyclable logistics apparatus(es) entering the second delivery region, as a second candidate delivery set;
taking an intersection of the first candidate delivery set and the second candidate delivery set as a delivery result from the first delivery region to the second delivery region,
wherein the first wireless sensing network covers the first delivery region, and the second wireless sensing network covers the second delivery region,
the step of “automatically identifying, according to detection results of the first wireless sensing network at two successive moments, identification(s) of recyclable logistics apparatus(es) leaving the first delivery region, as a first candidate delivery set” comprises the following substeps;
obtaining at a first moment, identifications of all recyclable logistics apparatuses in the first delivery region detected by the first wireless sensing network, as a first identification set;
obtaining at a second moment after the first moment, identifications of all recyclable logistics apparatuses in the first delivery region detected by the first wireless sensing network, as a second identification set;
taking identification(s) of recyclable logistics apparatus(es) which is not included in the second identification set relative to the first identification set as the first candidate delivery set the step of “automatically identifying, according to detection results of the second wireless sensing network at two successive moments, identification(s) of recyclable logistics apparatus(es) entering the second delivery region, as a second candidate delivery set” comprises the following substeps;
obtaining at a third moment after the second moment, identifications of all recyclable logistics apparatuses in the second delivery region detected by the second wireless sensing network, as a third identification set;
obtaining at a fourth moment after the third moment, identifications of all recyclable logistics apparatuses in the second delivery region detected by the second wireless sensing network, as a fourth identification set; and
taking identification(s) of recyclable logistics apparatus(es) which is newly added in the fourth identification set relative to the third identification set as the second candidate delivery set.

US Pat. No. 10,990,919

SYSTEMS AND METHODS FOR AUTONOMOUS LINESIDE PARTS DELIVERY TO AN ASSEMBLY LINE PROCESS

CLEARPATH ROBOTICS INC., ...

1. A method for autonomous lineside parts delivery to an assembly-line process, comprising:receiving a part-supply schedule, the schedule comprising a first part identifier identifying a first part to be supplied, and a second part identifier identifying a second part to be supplied, an assembly-line location to be supplied with the first and second parts, a first delivery time and a second delivery time for supplying the first and second parts, respectively, to the assembly-line location, wherein the first delivery time is before the second delivery time;
generating a first mission and a second mission, wherein the first mission comprises picking up the first part at a first pick-up location and delivering the first part to the assembly-line location at the first delivery time, and the second mission comprises picking up the second part at a second pick-up location and delivering the second part to the assembly-line location at the second delivery time;
selecting a first self-driving material-transport vehicle for executing the first mission and a second self-driving material-transport vehicle for executing the second mission;
receiving the first mission with a first vehicle processor on the first vehicle, and the second mission with a second vehicle processor on the second vehicle;
executing the first and second missions with the first and second vehicles, respectively, to supply the corresponding parts to the assembly-line location at the respective first and second delivery times in accordance with the part-supply schedule;
in the process of executing the first and second missions:
monitoring estimated arrival times for the first vehicle and the second vehicle to arrive at the assembly-line location to determine whether the estimated arrival time of the second vehicle is before the estimated arrival time of the first vehicle;
in response to determining that the estimated arrival time of the second vehicle is before the estimated arrival time of the first vehicle, automatically generating an updated second mission to re-route the second vehicle along an updated drop-off path from the second pick-up location to a waypoint location;
executing, by the second vehicle processor, the updated second mission by operating the second vehicle to follow the updated drop-off path and to stop at the waypoint location for a waiting period; and
subsequent to the waiting period, operating, by the second vehicle processor, the second vehicle to drive from the waypoint location to the assembly-line location to deliver the second part by the second delivery time.

US Pat. No. 10,990,918

METHOD OF REGISTERING AN INSTALLED VALVE

AVK HOLDING AS, Galten (...

1. Method of registering an installed valve, the installed valve having a marking associated to an identity, the method comprising the steps ofproviding a mobile communication device, the mobile communication device comprising a navigation satellite signal receiver,
establishing a registration of the valve by performing the following steps with the mobile communication device,
reading the marking of the valve,
establishing a valve location by means of the navigation satellite signal receiver,
transmitting at least one location data package to a central server, said at least one data package comprising a representation of the marking or the associated identity and the established valve location as mounted and fixed to the pipe grid,
receiving at the central server said at least one data package,
establishing at the central server a valve record associating the identity to the established valve location, and
storing the valve record in a database;
wherein the installed valve is fixed to a pipe grid.

US Pat. No. 10,990,917

DATA ANALYSIS SYSTEM AND METHOD OF GENERATING ACTION

HITACHI, LTD., Tokyo (JP...

1. A data analysis system, which is configured to generate an action for controlling a business to be carried out by a business operation system,the data analysis system comprising at least one computer including:
an arithmetic device;
a storage device coupled to the arithmetic device; and
an interface, which is coupled to the arithmetic device, and is to be used for communication to and from the business operation system,
wherein the arithmetic device is configured to:
obtain business data including a plurality of attributes relating to the business from the business operation system via the interface;
convert the business data to converted business data by aggregating the business data using predetermined criteria;
calculate a distribution of a relevant indicator, which is one of: a value of one of the plurality of attributes; and a value calculated based on the value of the one of the plurality of attributes, and relates to a business evaluation indicator to be used to evaluate the business;
identify target data within the distribution of the relevant indicator during a predetermined time period;
analyze the target data, to thereby calculate a plurality of awareness features which contribute to the improvement of a business evaluation indicator by causing the business evaluation indicator to approach a target value, the awareness features being determined based on a plurality of groupings of attributes relevant to the target data;
generate an action for improving the business evaluation indicator based on a selected one of the awareness features;
obtain the business data from the business operation system after a business based on the generated action is carried out;
carry out action evaluation processing for evaluating effectiveness of the generated action based on the generated action and the business data;
store data on the generated action and a result of the action evaluation processing in the storage device as a knowledge base in association with each other; and
generate another action for improving the business evaluation indicator based on another selected one of the awareness features and the knowledge base,
wherein the target data is selected for a plurality of operations whose operation periods are less than a threshold,
wherein the target data is analyzed to calculate the plurality of awareness features based on the plurality of groupings of attributes relevant to the target data by carrying out statistical processing using the target data and calculating combinations of operations satisfying predetermined conditions as the awareness features,
wherein the arithmetic device is configured generate the another action for improving the business evaluation indicator based on the another selected one of the awareness features by applying the another action to a different grouping of attributes than the grouping of attributes corresponding to the selected one of the awareness features, and
wherein the steps of analyzing the target data, generating the action, obtaining the business data, carrying out action evaluation processing, storing data on the generated action and a result of the action evaluation processing and generating another action for improving the business evaluation indicator are automatically performed repeatedly to accumulate the data in the knowledge base.

US Pat. No. 10,990,916

REDUCING CYBERSECURITY RISK LEVEL OF A PORTFOLIO OF COMPANIES USING A CYBERSECURITY RISK MULTIPLIER

SecurityScorecard, Inc., ...

1. An interactive tool for improving a cybersecurity risk level of a portfolio of companies, the interactive tool comprising:a memory; and
one or more processors communicatively coupled to the memory, where the one or more processors are configured to:
identify:
at least one company that experienced a cybersecurity risk event during a certain time period;
at least one attribute common to the at least one identified company that experienced the cybersecurity risk event and at least one company in the portfolio of companies,
a degree of mutuality of the at least one attribute;
determine a probability that another cybersecurity risk event will occur with respect to the portfolio of companies, where the probability depends on at least one of:
the number of identified common attributes, and
degrees of mutuality of the number of identified attributes; and
generate, from the determined probability, a cybersecurity risk multiplier for the portfolio of companies.

US Pat. No. 10,990,915

NEAR REAL-TIME SYSTEM OR NETWORK INCIDENT DETECTION

Bank of America Corporati...

1. A system or network incident detection and analysis computing system, comprising:at least one processor;
a communication interface communicatively coupled to the at least one processor; and
at least one memory storing computer-readable instructions that, when executed by the at least one processor, cause a change management computing device of the system or network detection identification analysis computing system to:
receive historical data including data related to incidents associated with a system or network and determined to have a quantified business impact above a predetermined threshold;
process the received historical data;
identify, based on the processed historical data, at least one of: devices and applications associated with each incident and a time and date of each incident;
generate, based on the processed historical data, one or more machine learning datasets including inclusion criteria and exclusion criteria, the inclusion criteria and exclusion criteria being generated based on analysis of keywords and sequences of keywords in the historical data;
receive scheduled system or network modification data, the modification data including a date and time associated with each scheduled modification and at least one of a device and application to which the scheduled modification is being applied;
process the received scheduled system or network modification data to identify the at least one of: devices and applications for which a modification is scheduled;
receive incident data associated with an incident associated with at least one of: a device or application, the incident data including a date and time of the incident, free form text associated with the incident, and an identification of the device or application impacted by the incident;
analyze the received incident data including the free form text associated with the incident using the generated one or more machine learning datasets to determine whether the incident data matches inclusion criteria or exclusion criteria;
responsive to determining that the incident data matches exclusion criteria, process the incident as a low priority incident;
responsive to determining that the incident data matches inclusion criteria, processing the incident as a high priority incident including:
comparing the received incident data to the scheduled system or network modification data to determine whether a modification was scheduled for the at least one of: the device or application;
responsive to determining that a modification was scheduled for the at least one of: the device or application associated with the incident, comparing the date and time of the incident to a date and time associated with the scheduled modification for the at least on of: the device or application associated with the incident;
responsive to determining that the date and time of the incident match a date and time of the scheduled modification, identifying the scheduled modification as a cause of the incident; and
transmitting a notification indicating the scheduled modification was the cause of the incident; and
update the one or more machine learning datasets based on the processing the incident.

US Pat. No. 10,990,914

FILTERING RECORDS ON A UNIFIED DISPLAY

MICROSOFT TECHNOLOGY LICE...

1. A method performed by a computing system, the method comprising:identifying a set of usernames associated with a common identifier;
generating a thread including a plurality of communications of different communication types, wherein
the different communication types include at least one text-based communication and at least one non-text-based communication,
each communication in the thread includes a recipient corresponding to the common identifier,
the plurality of communications includes one or more internal communications having a sender corresponding to a username in the set of usernames, and
the plurality of communications includes one or more external communications that do not have a sender corresponding to a username in the set of usernames;
generating a representation of a unified display including:
a plurality of communication display elements, each communication display element representing at least one of the communications in the thread,
a filter user input mechanism, and
an in-line user input mechanism;
based on a user selection of an action, via the in-line user input mechanism, in a context for the thread within the unified display, performing the action via an in-line action pane generated within the unified display without leaving the unified display and without switching to a separate communication system associated with the selected action;
updating, based on completion of performance of the action, the unified display to include a display element representing the performed action;
based on an indication of actuation of the filter user input mechanism, filtering the plurality of communications in the thread into a subset of communications of different communications types by removing, from the plurality of communications, the one or more external communications, wherein the subset comprises the one or more internal communications; and
generating a representation of a filtered unified display including a second plurality of communication display elements, each communication display element representing at least one of the communications in the subset of communications.

US Pat. No. 10,990,913

SYSTEM AND METHOD FOR ELECTRONIC ASSIGNMENT OF ISSUES BASED ON MEASURED AND/OR FORECASTED CAPACITY OF HUMAN RESOURCES

BigFork Technologies, LLC...

1. A method for capacity forecasting when assigning issues to a plurality of assignees, the method comprising:training, using training data, a machine learning model to determine skill levels for a plurality of assignees, wherein the training data comprises (i) inputs including first amounts of time it takes the plurality of assignees to complete certain types of issues having certain complexity values and (ii) outputs including skill levels to assignee the plurality of assignees;
receiving data from tracking applications executing on computing devices of the plurality of assignees, wherein:
the tracking applications monitor amounts of time other applications are actively executed by processing devices of the computing devices of the plurality of assignees,
the data includes the amounts of time the other applications are actively executed by the processing devices of the computing devices to complete issues having certain complexity values;
determining, using the machine learning model, updated skill levels for the plurality of assignees based on the amounts of time the other applications are actively executed to complete the issues having the certain complexity values;
determining expected issues by averaging a number of each issue type submitted per a certain time period to predict a quantity of each issue type that will be submitted in a next time period;
determining an expected issue capacity need in the future for each skill level of the updated skill levels of the plurality of assignees based on the expected issues;
determining assignee demand by averaging a number of each issue type assigned to each assignee of the plurality of assignees per the certain time period;
for each assignee of the plurality of assignees:
determining an expected assignee demand by identifying a number of the expected issues on which each assignee will be expected to work based on the expected issues and the assignee demand;
determining an expected individual capacity based on the expected assignee demand; and
determining one or more assignments of one or more issues to the assignee based on the expected issue capacity and the expected individual capacity.

US Pat. No. 10,990,912

SYSTEM FOR IDENTIFICATION AND INTEGRATION OF LIKE RESOURCES AND CONFIGURING RESOURCES FOR COMMON USE

BANK OF AMERICA CORPORATI...

1. A system for identification and integration of like resources and configuring resources for common use, the system comprising:a communication device in communication with a plurality of user devices of a plurality of users over a network, the plurality of user devices comprising a first user device of a first user and a second user device of a second user;
a processor;
a memory; and
a resource management module stored in the memory, executable by the processor and configured to:
provide, to the plurality of user devices, a client application for accessing an online portal;
present, using the online portal, a graphical user interface to displays of the plurality of user devices, wherein the graphical user interface comprises:
a resource input panel for receiving user input related to resources and attributes of the plurality of users;
a resource listing panel for displaying a list of resources sorted by classification and filters for changing a number and an order of resources displayed based on user input;
a notifications panel for displaying resource recommendations comprising a selectable link through which the plurality of users may directly access a suggested resource; and
a resource information panel for providing statistical data associated with a selected resource based on a comparison of resource data input by a user and corresponding resource data input by other users;
analyze, based on the user input related to the resources and attributes of the plurality of users received by the resource input panel of the graphical user interface, the resources and attributes of the plurality of users to identify a subset of users having complimentary resources and attributes, the subset of users comprising the first user and the second user, wherein the resources comprise offers to sell goods or services;
generate an integrated resource cluster comprising the subset of users having complimentary resources and attributes, the integrated resource cluster comprising a temporary association of the first user device and the second user device for collectively providing and distributing the complimentary resources;
receive a resource exchange request from a requesting user, wherein the resource exchange request comprises a purchase of services;
distribute resource transfer tasks to the subset of users of the integrated resource cluster, wherein the resource transfer tasks comprise:
a first task, for the first user, to provide materials to the second user; and
a second task, for the second user, to provide, using the materials, the services to the requesting user;
receive an inbound resource from the requesting user;
determine an inbound resource total for the integrated resource cluster;
calculate a first resource division for the first user and a second resource division for the second user from the inbound resource total; and
in response to calculating the first and second resource divisions, transfer the first resource division to the first user and the second resource division to the second user by triggering printing and mailing of a check to the first user, wherein triggering the printing and mailing of the check to the first user comprises transmitting a command to a printer to print the check for the first resource division in a name of the first user, wherein the command comprises information associated with the first resource division and the first user.

US Pat. No. 10,990,911

DELIVERY ROUTE MANAGEMENT AND OPTIMIZATION

Target Brands, Inc., Min...

1. A method for modifying in-progress delivery routes, the method comprising:identifying, by a routing management system, a first delivery route that includes delivery stops at multiple locations within a first geographic region;
assigning the first delivery route to a first carrier that is designated to deliver orders within the first geographic region, and transmitting, by the routing management system, the first delivery route to a first carrier computing system of the first carrier for forwarding to a first driver device;
identifying, by the routing management system, a second delivery route that includes delivery stops at multiple locations within a second geographic region;
assigning the second delivery route to a second carrier that is designated to deliver orders within the second geographic region, and transmitting, by the routing management system, the second delivery route to a second carrier computing system of the second carrier for forwarding to a second driver device;
while a first driver of the first carrier is performing the first delivery route and a second driver of the second carrier is performing the second delivery route:
(i) receiving, by the routing management system, a request to deliver an additional order to an order location within the first geographic region;
(ii) in response to receiving the request to deliver the additional order, determining, by the routing management system, a current location of the first driver of the first carrier relative to the order location, based on location data from a global positioning system (GPS) device of the first driver device;
(iii) in response to receiving the request to deliver the additional order, determining, by the routing management system, a current location of the second driver of the second carrier relative to the order location, based on location data from a GPS device of the second driver device;
(iv) determining, by the routing management system and based at least in part on the current location of the first carrier relative to the order location, and the current location of the second carrier relative to the order location, that a cost of modifying a remaining portion of the second delivery route to include an additional delivery stop for the additional order is less than a cost of modifying a remaining portion of the first delivery route to include the additional delivery stop for the additional order; and
in response to determining that the cost of modifying the remaining portion of the second delivery route to include the additional delivery stop for the additional order is less than the cost of modifying the remaining portion of the first delivery route to include the additional delivery stop for the additional order, modifying, by the routing management system, the remaining portion of the second delivery route to include the additional delivery stop for the additional order, including;
(i) assigning the additional order to the second carrier even though the second carrier is designated to deliver orders within the second geographic region rather than the first geographic region, and
(ii) transmitting, by the routing management system, the modified remaining portion of the second delivery route to the second carrier computing system of the second carrier for forwarding to the second driver device.

US Pat. No. 10,990,910

DELIVERY VEHICLE AND METHOD FOR DELIVERING CONSIGNMENTS AT DIFFERENT LOCATIONS ON A DELIVERY ROUTE

Deutsche Post AG, Bonn (...

9. A method for delivering consignments at different locations along a delivery route with a delivery vehicle,in which the consignments to be delivered are transferred to the delivery vehicle in an unsorted manner via at least one receiving device of the delivery vehicle, wherein the receiving device has an opening provided in the roof of the delivery vehicle, for receiving the consignments via the roof, and/or wherein, in order for the consignments to be fed via a side wall and/or via the rear wall, the receiving device is assigned to an upper peripheral region of a side wall and/or to an upper peripheral region of the rear wall,
in which delivery information for the received consignments is captured separately by at least one sensor device associated with the receiving device, wherein the delivery information specifies the locations at which the consignments need to be dispensed or delivered,
in which the consignments are conveyed to storage positions in the at least one storage device by at least one conveying device,
in which the consignments are temporarily stored in the storage positions,
in which the consignments are conveyed from the storage positions to at least one dispensing device by the conveying device, and
in which the consignments conveyed to the dispensing device are dispensed at different locations on the delivery route.

US Pat. No. 10,990,908

BOOKING METHOD AND SYSTEM

Bookit Oy

1. A network server that facilitates communications between a product or service provider and a user's mobile device having an identifier address, wherein the network server operates based on software instructions for performing a method that comprises:preparing one or more inquiry messages pertaining to a service provided by the product or service provider;
sending the one or more inquiry messages to the user's mobile device;
receiving at least one reply message to the one or more inquiry messages from the user's mobile device by the network server at a specified reply address, wherein the reply address is an address at which replies to the inquiry are transmitted, and wherein the received reply message includes the identifier address of the user's mobile device;
storing information pertaining to the received reply message in relation to the identifier address of the user's mobile device and the specified reply address at which the reply message was received;
determining, for the received reply message, a corresponding inquiry message of the one or more inquiry messages; and
determining whether to authorize a transaction on an automated basis based on content of the received reply message using at least semantic analysis of the content in the received reply message,
wherein, prior to the sending the one or more inquiry messages to the user's mobile device, the method further comprises specifying the reply address for the one or more inquiry messages being sent to a particular user's mobile device, wherein the specified reply address for the one or more inquiry messages being sent to the particular user's mobile device is selected from a plurality of different addresses.

US Pat. No. 10,990,907

ELECTRONIC PARKING INFRASTRUCTURE WITHOUT DETECTORS OR SENSORS

1. A method for reserving a parking space for a vehicle using a computing device having a display, a user interface and a positioning system, the method comprising:requesting, on the user interface, an unreserved parking space from a plurality of unreserved parking spaces in a parking system database thereby defining a selected unreserved parking space;
computing an estimated travel time from a starting location to the selected unreserved parking space, the starting location being at a distance from the selected unreserved parking space;
based on the estimated travel time, automatically calculating, and proposing on the user interface, an initial reservation period for the selected unreserved parking space;
accepting, on the user interface, the initial reservation period;
upon the accepting, generating and transmitting, from the computing device, a reservation signal to the parking system database, the reservation signal comprising an ID of, and the initial reservation period for, the selected unreserved parking space and instructions for changing a status of the selected unreserved parking space from unreserved to reserved in the parking system database;
proposing on the user interface an initial occupation period, wherein the initial occupation period is the period which is proposed for occupation of the parking space by the vehicle and further wherein the initial reservation period ends when the initial occupation period begins whereby the initial reservation period and the initial occupation period are not concurrent;
during the initial reservation period, generating and transmitting, from the computing device, an occupation signal to the parking system database, the occupation signal comprising the ID of the selected reserved parking space and identification of a user account which is associated to the computing device;
comparing, to the location of the selected reserved parking space, a location determined using the positioning system of the computing device on which the user interface was used for accepting the initial reservation period;
determining, from the comparing, whether the vehicle occupies the selected reserved parking space to change the status of the selected reserved parking space from reserved to occupied, wherein said determining uses, as a source of information on occupation to change the status, and only for the selected reserved parking space, the location of the computing device on which the user interface was used for accepting the initial reservation period, said determining being made without the use of fixed sensors for each parking space;
after the status of the selected parking space is changed from reserved to occupied, determining, using the positioning system of the computing device on which the user interface was used for accepting the initial reservation period, a location of the computing device relative to the occupied parking space thereby defining a relative location, and determining, using the relative location and time, whether the vehicle has left the occupied parking space without the use of fixed sensors for each parking space; and
after having determined that the vehicle has left the occupied parking space, performing a payment, comprising determining if the user ultimately pays for the selected parking space by determining an account for the payment, further comprising consulting the parking system database to confirm whether the selected parking space is sponsored and, if no, charging payment for the occupation of the selected parking space to the user account identified in the occupation signal, and if yes, debiting payment for the occupation of the selected parking space from a sponsor account being distinct from the user account instead of from the user account, wherein the sponsor account is associated to the ID of the selected parking space, wherein the debiting from the sponsor account is performed regardless of the user account when the selected parking space is sponsored and the user to does not pay the payment.

US Pat. No. 10,990,906

METHOD AND APPARATUS FOR RESERVING ZERO-WAIT TIME AGENT INTERACTIONS

1. A computer-implemented method, comprising:receiving, by a processor, information corresponding to customer activity on at least one enterprise related interaction channel;
determining, by the processor, if a customer associated with the customer activity requires agent assistance based on the received information;
if it is determined that the customer requires agent assistance, determining, by the processor, whether an agent from among a plurality of agents is capable of being reserved for providing assistance to the customer, wherein the agent is associated with at least one relevant skill for providing assistance to the customer, and wherein the determination of reservation of the agent is performed, at least in part, by:
assigning the plurality of agents into a first available agent data structure and a second reserved agent data structure, wherein the agent is a member of first available agent data structure or the second reserved agent data structure but not both,
generating the first available agent data structure representing a plurality of available skills, a plurality of available agents, and for each skill in the plurality of available skills the agent capable of providing the skill, and the second reserved agent data structure representing a plurality of reserved agents, a plurality of skills associated with the plurality of reserved agents and a skill for which each agent in the plurality of reserved agents is reserved,
reducing a computation time of determining if the agent can be reserved by:
initially checking using the first available agent data structure including the plurality of available agents to determine whether the at least one relevant skill is contained in the plurality of available skills, without checking the plurality of reserved agents, and
upon determining that the first available agent data structure contains the at least one relevant skill, removing the agent associated with the at least one relevant skill and skills associated with the agent from the first available agent data structure, and
representing the agent and the skills associated with the agent in the second reserved agent data structure,
checking the second reserved agent data structure upon determining that the first available agent data structure does not contain the at least one relevant skill,
reserving the agent from the second reserved agent data structure upon determining that the agent from the second reserved agent data structure has the at least one relevant skill; and
provisioning, by the processor, an offer for assistance to the customer on the at least one enterprise related interaction channel subsequent to the reservation of the agent, wherein the reservation of the agent provides wait-less customer interaction with the agent upon customer acceptance of the offer.

US Pat. No. 10,990,905

LOCATION-BASED TICKET REDEMPTION

NCR Corporation, Atlanta...

1. A method, comprising:receiving a token that is initially acquired from a wireless beacon as a customer passes through an ingress point of a venue, wherein the token is generated by a portable device that is located in a pocket or bag of the customer, wherein the token is generated based on purchase information for the venue located on the portable device and the token provided by a mobile application of the portable device based on an Operating System (OS) of the portable device detecting a transmitted beacon identifier from the wireless beacon and passing the transmitted beacon identifier to the mobile application for initiating the mobile application for execution on the portable device, wherein the mobile application is not resident or executing on the portable device prior to the passing of the transmitted beacon identifier by the OS to the mobile application, wherein an interface to the OS of the portable device detects when the portable device is within a preconfigured geographical area associated with the wireless beacon and interacts with the OS and initiates wireless services of the portable device when the wireless services are turned off on the portable device and the interface interacts with the OS and initiates the mobile application on the portable device, wherein the wireless beacon is not capable of forwarding a first data size for ticket information that is mapped to the token and associated with the purchase information but is capable of forwarding a second data size associated with the token, wherein the first data size is greater than the second data size;
validating the token for customer ingress at the ingress point based at least in part a digital signature associated with the token;
providing an indication of success or failure of validation to an ingress device;
forwarding a confirmation of success and a beacon identifier for the wireless beacon to the wireless beacon, wherein the wireless beacon retransmits the beacon identifier and the confirmation, the portable device obtains the confirmation, and the mobile application indicates that the ticket information for the token has been properly identified for passing through the ingress point of the venue; and
when no cellular connection or WiFi signal is available for communicating with the portable device, sending a confirmation to the portable device as soon as a connection is available indicating that the token was redeemed.

US Pat. No. 10,990,904

COMPUTER NETWORK ARCHITECTURE WITH MACHINE LEARNING AND ARTIFICIAL INTELLIGENCE AND AUTOMATED SCALABLE REGULARIZATION

CLARIFY HEALTH SOLUTIONS,...

1. A method executed by a computer network architecture, with an automatic regularization web application (ARWA) in electronic communication with a prediction module in the network computer architecture with a prediction generator and an updated database, a prediction web application in the network computer architecture in electronic communication with the prediction module and a user device, a learning module in the network computer architecture, and a user device,the method comprising steps executed by the ARWA to:
a. access the prediction application and obtain information regarding predictive models used,
b. identify and eliminate multi-collinearity in the predictive models,
c. selectively eliminate non-predictive variables from the models used by the prediction application based on measures of variable importance,
d. contact expert clinicians for selection of non-predictive variables, with no functional relationship to prediction outcomes, for elimination from the predictive models used by the prediction web application,
e. contact expert clinicians for selection of subsets of predictor variables to test with the predictive models used by the prediction web application,
f. modify the predictive models used by the prediction web application, using subsets of predictor variables with functional relationships to the predicted outcomes, and cross validate and compare the modified models tested, and
g. automatically generate and transmit a report to the user indicating the models that were improved and suggesting re-running various prediction web applications to update the results using the improved automatically regularized models, and
wherein the updated database contains data from at least one third party, containing data of one or more types from the group consisting of: medical claims data, prescription refill data, publicly available social media data, credit agency travel website data, e-commerce website data, search engine data, credit card data, credit score and credit history data, lending data, mortgage data, financial data, travel data, geolocation data, telecommunications usage data, and other third-party databases, and
the method further comprising steps executed by the learning module to:
receive a list of algorithm definitions and datasets for prediction,
automatically calibrate one or more defined algorithms with the database,
test the calibrated algorithms with a plurality of evaluation metrics,
store the calibrated algorithms and evaluation metrics in a library,
automatically select an algorithm for prediction based on the evaluation metrics,
update further the database with third party data, and with user episode data, and
re-execute the calibrate, test, store, and select steps after the update of the database step.

US Pat. No. 10,990,900

SCHEDULING MACHINE LEARNING TASKS, AND APPLICATIONS THEREOF

Veda Data Solutions, Inc....

1. A system for scheduling data ingestion and machine learning, comprising:a computing device including a processor;
a database;
a queue stored on the computing device;
a scheduler implemented on the computing device and configured to place a request to complete a job on the queue, the request including instructions to complete at least one of a data ingestion task, a training task and a solving task;
a data ingestion process implemented on the computing device and configured to: (i) monitor the queue and, (ii) when the queue includes a request to complete the data ingestion task, retrieve data relating to a person from a data source and to store the retrieved data in the database;
a trainer process implemented on the computing device and configured to: (i) monitor the queue and, (ii) when the queue includes a request to complete the training task, train a model using the retrieved data in the database and an indication that a value for a particular property in the retrieved data was verified as accurate or inaccurate such that the model can predict whether another person's value for the particular property is accurate;
a solver process implemented on the computing device and configured to: (i) monitor the queue and, (ii) when the queue includes a request to complete the solving task, apply the model to predict whether the other person's value is accurate; and
an API monitor implemented on the computing device and configured to, on receipt of an API request, place a request to complete another job specified on the API request on the queue, the API request including instructions to complete at least one of: the data ingestion task, the training task, the solving task, or a scheduling task.

US Pat. No. 10,990,899

DEEP AND WIDE MACHINE LEARNED MODEL FOR JOB RECOMMENDATION

Microsoft Technology Lice...

1. A system comprising:a memory storing a generalized linear mixed model (GLMM), the GLMM comprising a deep neural network collaborative filtering model and a boosting decision tree model connected via a prediction layer; and
a computer-readable medium having instructions stored thereon, which, when executed by a processor, cause the system to:
initialize features in the boosting decision tree model to set values for the features to zero;
while the features in the boosting decision tree model remain zero, train the deep neural network collaborative filtering model;
boost one or more trees in the boosting decision tree model using logits produced by the training of the deep neural network collaborative filtering model as a margin;
train the prediction layer using features from the deep neural network collaborative filtering model and features from the boosting decision tree model;
determine whether a set of convergence criteria is met; and
in response to a determination that the set of convergence criteria is not met:
retrain the deep neural network collaborative filtering model using the features in the boosting decision tree model; and
repeat the boosting, training, determining, and retraining until the set of convergence criteria is met.

US Pat. No. 10,990,896

SYSTEMS AND METHODS FOR INCORPORATING LONG-TERM PATTERNS IN ONLINE FRAUD DETECTION

Facebook, Inc., Menlo Pa...

1. A computer-implemented method comprising:generating, by a computing system, a first machine learning model in response to detection of an event, wherein the first machine learning model is associated with a first period of time and trained based on first training data that includes a first set of content items associated with the first period of time, wherein the first set of content items includes at least one of detection-based features or memory-based features;
generating, by the computing system, a second machine learning model, wherein the second machine learning model is associated with a second period of time and trained based on second training data that includes weights associated with a second set of content items, wherein the weights are determined by the first machine learning model and indicate an accuracy of the first machine learning model in determination of whether each content item of the second set of content items belongs to a category related to the event; and
determining, by the computing system, based on the second machine learning model, whether a content item is associated with the category.

US Pat. No. 10,990,895

PREDICTING API STORYTELLING MAPPING

International Business Ma...

1. A method for predicting application programming interface storytelling mapping, the method comprising the steps of:receiving, by one or more computer processors, a first indication from a user, wherein the indication includes a task to be added to an application programming interface storytelling mapping, wherein storytelling mapping is an organized layout of multiple application programming interface, and wherein the task is performed by an application program interface component;
determining, by one or more computer processors, a machine learning model;
determining, by one or more computer processors, at least one application programming interface component using the machine learning model and the task;
providing, by one or more computer processors, two or more application storytelling mapping to the user, wherein each of the two or more application storytelling mapping includes the at least one application programming interface;
receiving, by one or more computer processors, a second indication from the user, wherein the second indication is a filter; and
responsive to receiving the second indication from the user, updating, by the one or more computer processors, the two or more application storytelling mapping using the machine learning model, the task, and the filter; and
providing, by one or more computer processors, the updated two or more application storytelling mapping to the user.

US Pat. No. 10,990,894

SITUATION FORECAST MECHANISMS FOR INTERNET OF THINGS INTEGRATION PLATFORM

NEURA, INC., Sunnyvale, ...

1. A method comprising:receiving a plurality of activity data streams at an Internet of things (loT) integration platform, wherein the loT integration platform is implemented in a computer system and connected to multiple data sources from different vertical loT solutions, wherein the data sources include one or more loT devices, general-purpose mobile devices, solution-specific computer server systems, third-party computer server systems, loT-solution specific Web server systems, or any combination thereof, and wherein at least two activity data streams have different data formats;
updating a plurality of evolving context indicators associated with multiple trackable entities in the loT integration platform based on the plurality of activity data streams, wherein the evolving context indicators change over time;
training multiple machine learning models based on a historical log of the plurality of evolving context indictors, activity data from the plurality of activity data streams, or a combination thereof, wherein the multiple machine learning models comprise at least a subpopulation model configured to capture common behavioral patterns and a device-specific model configured to characterize device usage patterns of the multiple data sources based on different data formats of the plurality of activity data streams;
forecasting a contextual situation associated with a target entity based on a weighted combination of situation likelihood functions of the multiple machine learning models; and
generating, by the loT integration system, a recommended action based on the forecasted contextual situation; and
executing, by the loT integration system via at least one of the multiple data sources, the recommended action to affect an activity of the target entity in anticipation of the forecasted contextual situation associated with the target entity.

US Pat. No. 10,990,893

SEARCH RESULTS BASED ON A CONFORMANCE ANALYSIS OF ANALYSIS REFERENCES THAT FORM A LIBRARY OF AGREEMENTS, IN WHICH EACH ANALYSIS REFERENCE CORRESPONDS TO AN AGREEMENT AND INDICATES INTELLECTUAL PROPERTY DOCUMENT

1. A method for analysis of a library of agreements, comprising:providing, in a computer, a searchable plurality of analysis references that form the library of agreements, wherein each of the analysis references:
corresponds to one of the agreements,
includes an indication of an intellectual property document related to the agreement, and a type of agreement represented by the analysis reference, and
includes an indication of plural agreement elements in the agreement, an agreement element being a constituent element of the agreement;
for at least one of the agreement elements of the agreement indicated in the analysis reference, includes a content of a conformance analysis of the agreement element of the agreement, and indicates whether a target document of the conformance analysis does or does not conform to the agreement element; and
accessing, in the computer, responsive to a conformance analysis search criteria, the searchable plurality of analysis references;
determining, by the computer, as search results, the analysis references with conformance analyses that satisfy the conformance analysis search criteria; and
outputting, by the computer, the search results that satisfy the conformance analysis search criteria.

US Pat. No. 10,990,892

QUANTUM COMPUTING IMPROVEMENTS TO TRANSPORTATION

Accenture Global Solution...

1. A method comprising:(a) ingesting transportation-related data into a graph structure, the transportation-related data comprising flight-related data associated with a flight system comprising at least one drone;
(b) identifying a flight-related transportation metric associated with the flight system, wherein the flight-related transportation metric comprises an energy consumption associated with the flight system;
(c) identifying a plurality of attributes associated with the transportation-related data, wherein the flight-related transportation metric is dependent at least in part on the plurality of attributes and the plurality of attributes comprise i) a weight of the at least one drone and ii) a weight of a package carried by the at least one drone;
(d) obtaining, from a quantum computer, values of one or more operational parameters for the plurality of attributes that improve the flight-related transportation metric; and
(e) applying the values of the operational parameters to the operation of the flight system.

US Pat. No. 10,990,890

MACHINE LEARNING SYSTEM

SECONDMIND LIMITED, Camb...

1. A reinforcement learning system comprising:an environment having multiple possible states;
an agent arranged to receive state information indicative of a current state of the environment and to generate an action signal dependent on the state information and a policy associated with the agent, the action signal being operable to cause a change in a state of the environment, the agent being further arranged to generate experience data dependent on the state information and information conveyed by the action signal;
a policy learner configured to process the experience data, whereby to update the policy associated with the agent;
a probabilistic model arranged to generate probabilistic data relating to future states of the environment; and
a model learner configured to process model input data to generate the probabilistic model,
wherein:
the environment comprises a domain having a temporal dimension;
the model input data comprises data indicative of events occurring in past states of the environment;
the agent is arranged to generate the action signal further in dependence on the probabilistic data;
the probabilistic model comprises a distribution of a stochastic intensity function, wherein an integral of the stochastic intensity function over a sub-region of the domain corresponds to a rate parameter of a Poisson distribution for a predicted number of events occurring in the sub-region; and
the model learner is configured to process the model input data to generate the probabilistic model by applying a Bayesian inference scheme to the model input data, the Bayesian inference scheme comprising:
generating a variational Gaussian process corresponding to a distribution of a latent function, the variational Gaussian process being dependent on a prior Gaussian process and a plurality of randomly-distributed inducing variables, the inducing variables having a variational distribution and expressible in terms of a plurality of Fourier components;
determining, using the data indicative of events occurring in past states of the environment, a set of parameters for the variational distribution, wherein determining the set of parameters comprises iteratively updating a set of intermediate parameters to determine an optimal value of an objective function, the objective function being dependent on the inducing variables and expressible in terms of the plurality of Fourier components; and
determining, from the variational Gaussian process and the determined set of parameters, the distribution of the stochastic intensity function, wherein the distribution of the stochastic intensity function corresponds to a distribution of a quadratic function of the latent function.

US Pat. No. 10,990,889

GENERATING A PREDICTIVE BEHAVIOR MODEL FOR PREDICTING USER BEHAVIOR USING UNSUPERVISED FEATURE LEARNING AND A RECURRENT NEURAL NETWORK

ADOBE INC., San Jose, CA...

8. A system comprising:a processing device; and
a non-transitory computer-readable medium communicatively coupled to the processing device, wherein the processing device is configured to perform operations comprising:
accessing a first representation of a user of a plurality of users and a second representation of the user, the first representation including data about a first behavior of the user over time intervals during a first time period and the second representation including data about a second behavior of the user over time intervals during a second time period;
accessing a deep recurrent neural network comprising a first deep restricted Boltzmann machine connected to a second deep restricted Boltzmann machine;
encoding the first representation into a first feature representation that is representative of the first behavior with the first deep restricted Boltzmann machine;
encoding the second representation into a second feature representation that is representative of the second behavior with the second deep restricted Boltzmann machine; and
generating a predicted user behavior model of the user by applying the deep recurrent neural network to input data, the input data comprising the first and second feature representations and a user behavior label associated with the user, wherein the user behavior label indicates whether the user performed a particular action during or after the first or second time period.

US Pat. No. 10,990,888

COGNITIVE MONITORING

International Business Ma...

1. A cognitive monitor embodied as a wearable device and comprising:an electrorheological fluid or a magnetorheological fluid contained in the wearable device;
a first sensor housed in the wearable device and configured to collect a physiologic measurement indicative of a current cognitive tone of a user by physical contact with the user;
a second sensor configured to collect an electronic communication indicative of the current cognitive tone of the user; and
a processor connected in communication with the first sensor to receive the physiologic measurement, connected in communication with the second sensor to receive the electronic communication, configured to determine in real-time a category of the current cognitive tone by analyzing a combination of the physiologic measurement and the electronic communication, according to a rules engine implementing a custom dictionary of terms that suggest a cognitive tone, and configured to impose a haptic effector on the user by activating the electrorheological fluid or the magnetorheological fluid in response to the category of the current cognitive tone,
wherein the first sensor and the electrorheological or magnetorheological fluid are housed in a wristband of the wearable device, wherein the first sensor is a heart rate monitor and the processor applies a hidden model to obtain from the first sensor a virtual measure of blood perfusion in the brain.

US Pat. No. 10,990,886

PROJECTING DATA TRENDS USING CUSTOMIZED MODELING

Ice Benchmark Administrat...

1. A system for projecting one or more trends in electronic data and generating enhanced data, comprising:a dedicated website portal configured to generate at least one webpage comprising an input selection portion for selecting a time period, a benchmark data portion for publishing benchmark data associated with a selected time period and a projected data portion;
a data forecasting system in electronic communication with one or more electronic data sources and the dedicated website portal via an electronic network, the data forecasting system comprising non-transitory memory storing computer readable instructions and at least one processor configured to execute the computer readable instructions, the data forecasting system configured to:
monitor the one or more electronic data sources for data that meet one or more predetermined criteria;
obtain at least a portion of the monitored data from among the one or more electronic data sources based on the one or more predetermined criteria;
create a data set from the obtained data, the data set comprising a combination of futures price data, overnight index swap price data, and rate data;
derive one or more data values associated with the combination over a predetermined period according to a forward-looking term methodology, the predetermined period comprising the selected time period received via the input selection portion of the dedicated website portal, the forward-looking term methodology comprising execution of a series of calculations involving at least one of the rate data, the futures price data and the overnight index swap price data, the results of which produce projected expected rate data that is predictive of future rate changes over the predetermined period, said projected expected rate data comprising said derived one or more data values;
utilize the data set and the one or more derived data values over the predetermined period to derive at least one data forecast metric associated with the data set; and
disseminate the at least one data forecast metric to the dedicated website portal, such that at least the projected data portion of the at least one webpage is updated to display the at least one data forecast metric reflecting the selected time period.

US Pat. No. 10,990,885

DETERMINING VARIABLE ATTRIBUTION BETWEEN INSTANCES OF DISCRETE SERIES MODELS

Capital One Services, LLC...

1. A method of determining an effect, on a time series prepayment model prediction, of a change in a target variable between a first instance in time and a second instance in time, the time series prepayment model including the target variable and one or more dynamic variables that change between the first instance in time and the second instance in time, the method comprising:determining, using one or more processors, a first value corresponding to the first instance in time and a second value corresponding to the second instance in time for each dynamic variable in the time series prepayment model;
selecting, using the one or more processors, a first value of the target variable corresponding to the first instance in time and a second value of the target variable corresponding to the second instance in time, wherein a change in the target variable comprises a difference between the first value of the target variable and the second value of the target variable;
generating, using the one or more processors, all combinations of values for the one or more dynamic variables by setting each dynamic variable to either the first value corresponding to the first instance in time or the second value corresponding to the second instance in time;
for each combination, generating, using the time series prepayment model, a first model prediction of the time series prepayment model using the first value of the target variable and a second model prediction of the time series prepayment model using the second value of the target variable;
for each combination, determining, using the one or more processors, a difference between the first model prediction and the second model prediction; and
averaging, using the one or more processors, the differences between the first model prediction and the second model prediction for each combination to obtain an effect of the change of values corresponding to the first instance in time and the second instance in time of the target variable by weighing each difference and summing the weighted differences to obtain the effect of the change in the target variable,
wherein the weighing of each difference comprises weighing each difference such that:
a sum of the effect of the change in the target variable and effects of changes in each of the one or more dynamic variables is equal to a total change in model prediction between the first instance in time and the second instance in time, and
a sum of any of the one or more dynamic variable's effects, in each of multiple time series prepayment models, is equal to an effect of that dynamic variable for a sum of the multiple time series prepayment models.