Abrégé

Systems and methods for automated data extraction and adaptation are disclosed. The system may receive a data input from an external source using various different input channels. The system may determine a data quality of the data input by comparing data fields of the data input to known metadata in the system. The system may reformat the data input based on the comparison to a format consumable by downstream applications and services. The system may apply various machine learning operations on the data input including a descriptive analytics analysis, a predictive learning analysis, and/or a prescriptive intelligence analysis.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06Q 30/018 - Certification d’entreprises ou de produits

Abrégé

A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to display a first plurality of search results on a user interface of a user device based at least in part on a first request. Clickstream data can be identifier from the user interface displayed on the user device. The clickstream data comprises a user-specified sort of the first plurality of search results on the user interface. A sorting habit for the user can be determined based at least in part on the user-specified sort of the first plurality of search results on the user interface. The computing device can display on the user interface a second plurality of search results. The second plurality of search results are sorted for display based at least in part on the sorting habit for the user.

Classes IPC  ?

• G06Q 30/0251 - Publicités ciblées
• G06F 16/24 - Requêtes
• G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
• G06Q 30/0282 - Notation ou évaluation d’opérateurs commerciaux ou de produits
• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 50/14 - Agences de voyage

Abrégé

Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device that is configured to initiate a first communication session with a first agent client device and generate interaction data associated with the user from the first communication session. A user segment classification is determined for a user account. A user request is received to initiate a second communication. The computing device identifies an agent account of a second agent to participate in the second data communication session. T second communication session is initiated between a client device and a second agent client device associated with the agent account.

Classes IPC  ?

• H04M 3/523 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur avec répartition ou mise en file d'attente des appels
• G06N 20/00 - Apprentissage automatique
• G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
• H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur

Abrégé

Systems and methods for identity-based interconnected transactions are disclosed. The system may receive an interconnected transaction request comprising a first financial subsystem identifier, a second financial subsystem identifier, and a transaction request. The first financial subsystem and the second financial subsystem may not be in direct communication with each other. The first financial subsystem may write the interconnected transaction request to an interconnected transaction ledger. The second financial subsystem may retrieve the interconnected transaction request from the interconnected transaction ledger. In response to retrieving the interconnected transaction request the second financial subsystem may complete the transaction request.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06N 20/00 - Apprentissage automatique
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES

Abrégé

A system and method for automated remote payments between a vehicle and a refueling station is disclosed. The system may enable the vehicle to initiate an automated remote payment to the refueling station without needing the user to manually input transaction account information, or to manually prepay for the transaction. The refueling station may detect when the vehicle is in proximity, and the vehicle and the refueling station may open communications to transmit data. The vehicle may transmit vehicle identifying data to the refueling station, and the refueling station may communicate the vehicle identifying data to a payment network to authorize the transaction. In response to authorizing the transaction, the vehicle may proceed with refueling at the refueling station.

Classes IPC  ?

• G06Q 50/06 - Fourniture d'électricité, de gaz ou d'eau
• G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Systems and methods for automated detection of website errors during a sequence of device interactions with a website. In one example, a computing device is configured to identify clickstream data associated with a client device interacting with a website and predict a clickstream metric for a subsequent interaction with the website based at least in part on the clickstream data. An anomaly website event for an interaction of the client device with the website is determined based on a measurement of the clickstream metric failing to reach a predefined range of the predicted clickstream metric. Anomaly type for the anomaly website event is determined based at least in part on a machine learning model being trained with a plurality of previous anomaly website events identified from a plurality of previous instances of clickstream data.

Classes IPC  ?

• G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
• G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique
• H04L 67/02 - Protocoles basés sur la technologie du Web, p.ex. protocole de transfert hypertexte [HTTP]

Abrégé

Disclosed are various embodiments for data anomaly detection. A variable profile is generated for each variable in source data. Then, the variable profiles are provided to each of a plurality of machine learning models. Next, it is determined, with each of the plurality of machine learning models, whether each variable profile is anomalous. The determination, from each of the plurality of machine learning models, whether each variable profile is anomalous is provided to an ensemble model. The ensemble model then generates a final determination whether each variable profile is anomalous. The final determination is then reported to an analysis service.

Classes IPC  ?

• G06F 16/23 - Mise à jour

Abrégé

Disclosed are various embodiments for garbage collection for object-based storage systems. A first set of objects stored by an object storage service that have been accessed within a previously defined date range is identified. Then, a second set of objects stored by the object storage service is identified based at least in part on a relationship to one or more objects in the first set of objects. Next, a third set of objects stored by the object storage service that have been created prior to a predefined date is identified. Then, a subset of objects which are members of the third set of objects and not members of the first set of objects or the second set of objects is identified. Finally, a retention action is performed on individual members of the subset of objects based at least in part on a retention policy.

Classes IPC  ?

• G06F 3/06 - Entrée numérique à partir de, ou sortie numérique vers des supports d'enregistrement

Abrégé

Disclosed are various embodiments for a service for decentralized browser based wallets. Various embodiments of the present disclosure can receive a first passcode and a second passcode from a security provider device. Various embodiments can use a cryptowallet to decrypt a first encrypted private key using the first passcode to generate a decrypted private key. Various embodiments can use a cryptowallet to sign a transaction request with the decrypted private key. Various embodiments can use a cryptowallet to generate a second encrypted private key by encrypting the decrypted private key using the second passcode.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed are various embodiments for automated document processing. A linked provider associated with a transaction record is identified. A submission template for the linked provider is then identified, the submission template specifying how to complete a submission using transaction data from the transaction record. Transaction data is then obtained from the transaction record. A submission is then completed based at least in part on the submission template and using the transaction data. Finally, the completed submission is then sent to a provider service associated with the linked provider.

Classes IPC  ?

• G06F 40/174 - Remplissage de formulaires; Fusion
• G06F 21/44 - Authentification de programme ou de dispositif

Abrégé

A computing device (e.g., a server, a cloud-based device, a network device, an item analysis device, etc.) may receive location information indicating a geographic location of a user device and image data captured by the user device of a listing (e.g., a menu, an event ticket, a content source, etc.) for a selectable item. The computing device may determine an entity offering the selectable item based on the location information. An intent indicator for the selectable item may be determined based on the entity and the information for the selectable item. An instruction to the user device may cause modification of the image data to indicate the intent indicator based on the intent indicator satisfying an intent threshold that defines a level at which an intent is classified as a positive intent.

Classes IPC  ?

• G06F 3/0482 - Interaction avec des listes d’éléments sélectionnables, p.ex. des menus
• G06F 3/14 - Sortie numérique vers un dispositif de visualisation
• G06N 5/022 - Ingénierie de la connaissance; Acquisition de la connaissance
• G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises

Abrégé

Systems, methods, and articles of manufacture for secured account provisioning and payments using user computing devices are provided. One such method comprises receiving, by a user computing device, a payment request from a point of sale terminal; obtaining, by the user computing device, a storage encryption (ENC) key based on at least a device fingerprint of the user computing device and a storage root key; obtaining, by the user computing device, an encrypted account payload from a secure database of the user computing device; decrypting, by the user computing device, the encrypted account payload using the storage ENC key, wherein the decrypted account payload includes a payment credential; and transmitting, by the user computing device, the payment credential to the point-of-sale terminal.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

Disclosed are various approaches for providing personalized recommendations in a privacy preserving manner. A request from a provider application is received, the request comprising an anonymized user identifier and a navigation identifier that identifies a location of a user associated with the anonymized user identifier within a user interface of the provider application. A user associated with the anonymized user identifier is identified. Then, an activity history of the user is analyzed in order to select a layout order, wherein the layout order is selected based at least in part on the navigation identifier and the activity history of the user. The layout order is then provided to the provider application.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
• G06F 21/31 - Authentification de l’utilisateur
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

Disclosed are various embodiments for using a distributed ledger to track the evolution or deployment of feature sets for machine-learning. A registration request is received from a first node of a distributed ledger, the registration request comprising a code hash representing a feature set generator and a data hash representing a data set. The registration request is then relayed to a second node of the distributed ledger for approval by the second node. Next, an approval for the registration request is received from the second node. Subsequently, an entry in the distributed ledger comprising the code hash and the data hash is created.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/2453 - Optimisation des requêtes
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet

Abrégé

Disclosed herein are system, method, and computer program product embodiments for individually deploying batch functions in a cluster computing environment. A batch function system may receive a scheduled batch job for execution at a particular timing. Rather than deploying the corresponding batch functions as a bundled monolith, the batch function system may individually deploy corresponding batch functions. To individually deploy the batch functions, the batch function system may use a verticle data structure for defining a batch job. The batch function system may then execute a batch function corresponding to the batch job on a cluster computing platform by deploying the batch function to a pod executing on computing nodes. Upon individual completion of execution, the batch function system may release the pod and/or computing nodes to make the computing resources available. The batch function system may also preserve and pass data between pods executing batch functions.

Classes IPC  ?

• G06F 9/48 - Lancement de programmes; Commutation de programmes, p.ex. par interruption
• G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]

Abrégé

A transaction card that includes a card body that can include a ceramic material. The card body can include a primary surface and a secondary surface, a laser marked feature disposed on the card body and a laser etched feature disposed on the card body. A method of making a transaction card can include forming a ceramic material slurry comprising a ceramic material and a binder, forming a green body from the ceramic material slurry, firing the green body at a firing temperature to create a fired ceramic body, grinding the fired ceramic body into a card body, and polishing a primary surface of the card body.

Classes IPC  ?

• G06K 19/02 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par l'utilisation de matériaux spécifiés, p.ex. pour éviter l'usure pendant le transport à travers la machine
• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support
• C04B 35/64 - Procédés de cuisson ou de frittage
• C04B 35/80 - Fibres, filaments, "whiskers", paillettes ou analogues
• B32B 9/00 - Produits stratifiés composés essentiellement d'une substance particulière non couverte par les groupes

Abrégé

Disclosed herein is a system for a double-sided credit card and a method of manufacturing the same. In some embodiments, the double-sided credit card comprises a first side and a second side opposite to the first side. The first side comprises a first antenna configured to transmit electronic signals to execute transactions linked to a first financial account, while the second side comprises a second antenna configured to transmit electronic signals to execute transactions linked to a second financial account. An electronic blocker layer is positioned between the first side and the second side such that the electronic signals executing transactions linked to the first financial account is blocked from interfering with the electronic signals executing transactions linked to the second financial account.

Classes IPC  ?

• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support

Abrégé

A machine-learning system which utilizes neural networks and other machine learning concepts to automatically categorize a stream of data. Known financial data can be analyzed and trained as part of a machine learning system. Then, a new set of a financial data for a particular user can be analyzed and automatic determinations can be made whether the user is a small business or consumer, and what industry the user is in.

Classes IPC  ?

• G06Q 40/12 - Comptabilité
• G06N 3/08 - Méthodes d'apprentissage

Abrégé

Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device with a processor and a memory. The system also includes machine-readable instructions stored in the memory, that when executed, cause the computing device to at least receive a request from a client device to communicate with an agent. The request is associated with a user account. Interaction data associated with the user account is identified. User scores for the user account are determined based on the interaction data. A user segment for the user account is determined based on the user scores. The system identifies an agent to participate in the communication session based on the agent being associated with the user segment and establishes the communication session between an agent client device of the agent and the client device.

Classes IPC  ?

• H04M 3/523 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur avec répartition ou mise en file d'attente des appels
• H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur
• G06N 20/00 - Apprentissage automatique
• G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations

Abrégé

Disclosed are various embodiments for decentralizing the authentication or verification of data. An identity key can be generated for a data item. A request can then be sent to an authentication service for authentication of the data item, the request comprising the identity key and the data item. A verified claim for the data item can then be received in response. Subsequently, an identity document is generated, the identity document comprising the identity key for the data item and the verified claim. Finally, the identity document can be stored in a distributed ledger.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• H04L 9/08 - Répartition de clés
• H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• G06F 21/60 - Protection de données

Abrégé

Disclosed herein are method, system, and computer product embodiments for generating a graphical user interface (GUI) to visually represent a programmatic process with various process objects. This may also include interacting with interfaces of the GUI to update the programmatic process. Process objects may contain a hierarchy of functions. Through interaction with the GUI registration interface a process object may be modified such that the hierarchy of functions is changed. Additional process objects may be defined based on a hierarchy of functions. The GUI may also include an analysis interface which may display timing data associated with execution of the programmatic process.

Classes IPC  ?

• G06F 8/00 - Dispositions pour ingénierie logicielle

Abrégé

A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte

Abrégé

In various embodiments, a micro registry may be a mobile communication platform that is configured to connect to users and service hosts. The micro registry may facilitate advertisements, payments, communication, loyalty, behavior tracking, social media interaction, and/or any other suitable communication advertising, or transaction between a user and a service host. The micro registry may employ BLE beacons that enable the micro-registry to identify micro-locations and facilitate connections (e.g., interfaces, interactions, communications, etc.) between user devices and service hosts and/or merchants. A transaction card can be manufactured from rigid materials, such as glass, stone, or ceramics. First, a rigid layer of a transaction card can be placed within a first recess of a first metallic sheet. The first recess can comprise a lip and an opening. Next, a binding layer can be placed on top of the first rigid layer of the transaction card where the binding layer comprises a binding medium. A second rigid layer can be placed on top of the binding layer. A second metallic sheet can be placed on top of the first metallic sheet where the second metallic sheet has a second recess with a lip and an opening. Next, the first metallic sheet can be fused together with the second metallic sheet to form a fused metal sheet. The fused metal sheet can be cut along a border of the opening of the first recess.

Classes IPC  ?

• H04W 4/021 - Services concernant des domaines particuliers, p.ex. services de points d’intérêt, services sur place ou géorepères
• H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie

Abrégé

An advertisement distribution system, method, and computer readable medium (collectively, the “System”) is provided. The System may request posts containing a subject tag from social media operators. The posts may be made by merchants having a relationship with the System. The System may filter the posts based on filters, geographic data, and member preferences. The System may distribute the posts to members having a relationship with the System.

Classes IPC  ?

• G06Q 30/0251 - Publicités ciblées
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
• G06Q 30/0241 - Publicités

Abrégé

Disclosed are various approaches for managing the status of machine-learning models using distributed ledgers. A registration request for a machine-learning model can be received. The registration request can include a model name for the machine-learning model, a version identifier for the machine-learning model, a network address from which the machine-learning model can be retrieved, a source code hash for a source code version of the machine learning model, and a runtime hash for a binary executable version of the machine-learning model. A registration identifier can then be created based at least in part on the source code hash and the runtime hash. Subsequently, an entry in the distributed ledger can be created for the machine-learning model. The entry can include the registration identifier, the model name, the model version, the network address, the source code hash, and the runtime hash.

Classes IPC  ?

• G06F 16/23 - Mise à jour
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06N 20/00 - Apprentissage automatique
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/245 - Traitement des requêtes

Abrégé

A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 40/03 - Crédits; Prêts; Leur traitement

Abrégé

Disclosed are various embodiments for garbage collection for object-based storage systems. A first set of objects stored by an object storage service that have been accessed within a previously defined date range is identified. Then, a second set of objects stored by the object storage service is identified based at least in part on a relationship to one or more objects in the first set of objects. Next, a third set of objects stored by the object storage service that have been created prior to a predefined date is identified. Then, a subset of objects which are members of the third set of objects and not members of the first set of objects or the second set of objects is identified. Finally, a retention action is performed on individual members of the subset of objects based at least in part on a retention policy.

Classes IPC  ?

• G06F 3/06 - Entrée numérique à partir de, ou sortie numérique vers des supports d'enregistrement

Abrégé

Systems and methods for presenting a personalized value added offer during an advanced verification process are provided. An access control server may receive an enrollment verification request comprising data relating to an account holder. The server may determine an enrollment status of the account holder and determine a value added offer based on the account holder. The server may display an advanced verification interface for user input. The advanced verification interface may include the value added offer and/or a security credential prompt. The server may personalize the advanced verification interface and/or the value added offer based on monitoring the system and compiling historical transaction data.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06Q 30/0251 - Publicités ciblées
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 30/0207 - Remises ou incitations, p.ex. coupons ou rabais
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A zero knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm haying a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A computing device (e.g., a server, a cloud-based device, a network device, an item analysis device, etc.) may receive location information indicating a geographic location of a user device and image data captured by the user device of a listing (e.g., a menu, an event ticket, a content source, etc.) for a selectable item. The computing device may determine an entity offering the selectable item based on the location information. An intent indicator for the selectable item may be determined based on the entity and the information for the selectable item. An instruction to the user device may cause modification of the image data to indicate the intent indicator based on the intent indicator satisfying an intent threshold that defines a level at which an intent is classified as a positive intent.

Classes IPC  ?

• G06F 3/0482 - Interaction avec des listes d’éléments sélectionnables, p.ex. des menus
• G06F 3/14 - Sortie numérique vers un dispositif de visualisation
• G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
• G06N 5/022 - Ingénierie de la connaissance; Acquisition de la connaissance
• H04L 67/52 - Services réseau spécialement adaptés à l'emplacement du terminal utilisateur
• G06V 30/10 - Reconnaissance de caractères
• G06F 40/58 - Utilisation de traduction automatisée, p.ex. pour recherches multilingues, pour fournir aux dispositifs clients une traduction effectuée par le serveur ou pour la traduction en temps réel
• G06F 40/20 - Analyse du langage naturel

Abrégé

A transaction account based micro-payment system using blockchain is disclosed. The system may receive a micro-payment request including a payment address from a merchant system. The system may invoke an account holder account smart contract and a directory smart contract. The system may write a plurality of micro-payment transaction debits to a transaction account based micro-payment blockchain via a blockchain node. The system may generate a transaction clearance event based on the account holder account smart contract. The system may write a micro-payment transaction clearance credit to the transaction account based micro-payment blockchain.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06F 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures

Abrégé

A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.

Classes IPC  ?

• G06F 21/41 - Authentification de l’utilisateur par une seule ouverture de session qui donne accès à plusieurs ordinateurs
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• G06F 16/958 - Organisation ou gestion de contenu de sites Web, p.ex. publication, conservation de pages ou liens automatiques

Abrégé

A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that is configured to generate a reward based at least in part on transaction data received from a web site. In one example, a system is configured to receive a loyalty account and transaction data for a completed purchase from a loyalty partner site. A partnership smart contract is executed to validate that the transaction data meets a purchase requirement parameter of the partnership smart contract. A transaction record is stored which indicates that the loyalty account has the transaction data for meeting the purchase requirement parameter. The transaction record is transmitted to consensus participants associated with the blockchain network.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit notifications to requestees to request payment from the requestees. The transaction account issuer may transfer the payment from a transaction account of the requestee to the consumer's transaction account.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

Disclosed are various embodiments for authenticating users of applications using decentralized data models for storing a user's identity. A fingerprint for a computing device is received from an application executing on the computing device. An identity key associated with the fingerprint for the computing device is then obtained, the identity key being linked to a signed claim. The signed claim is retrieved and evaluated. The application executing on the computing device access is then granted access to the computing resource in response to evaluating the signed claim.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur

Abrégé

A system for using loyalty rewards accounts in a digital wallet may add a loyalty rewards account as a payment medium to a digital wallet application by transmitting a token that identifies the loyalty rewards account to the digital wallet application, wherein the token includes an alias account identifier that is mapped to the loyalty rewards account; and transmitting a transaction request for the transaction, wherein the transaction request includes the token that identifies the loyalty rewards account as the payment medium for the transaction, wherein the token further includes an indicator that specifies an account type for the loyalty rewards account and is configured for routing the transaction request to the loyalty settlement process during settlement processing.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

Disclosed are various embodiments for virtualizing transaction instruments using processing aliases. A computing device can receive a first selection of a processing network from a plurality of available processing networks. Then, the computing device can receive a second selection of a backing source from a plurality of registered backing sources. Next, the computing device can generate a processing alias for the processing network. Subsequently, the computing device can store an association between the processing alias and the backing source.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

Disclosed are various embodiments for authenticating a user using non-fungible tokens (NFTs). A trusted token issuer verifies a user's identity according to identifying credentials (e.g., government issued identification, passport, driver's license, etc.) presented by the user and creates a non-fungible token in response to verifying the credentials. The non-fungible token is associated with a user identifier and can be used by an access provider to authenticate a user requesting access to restricted content provided by the access provider. For example, when a client device associated with the user requests access from an access provider to an access-restricted website or other type of access-restricted area (e.g., building, concert venue, network, etc.), the access provider (e.g., website server, building computing device, venue system, etc.) uses the properties of the non-fungible token to verify one's identity and permit access upon verification.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

Disclosed are various approaches for using Markov chains and hidden Markov Models to enhance API access controls for secure data. Various embodiments disclosed in this application introduce an access control application between the APIs and a data store that uses Markov chains or hidden Markov models to validate, check, or verify that the data request meets expected security guidelines. These embodiments can enhance security for all requests for data. Additionally, these embodiments can serve as an additional, automated security defense when a developer misconfigures or fails to include the appropriate validation logic within an API.

Classes IPC  ?

• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques
• G06F 21/60 - Protection de données

Abrégé

Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Systems and methods for distributing social media posts from social media operators is described. In one example, a system includes a computing device that is configured to obtain posts of a merchant from social media operators. A request to distribute a social media post from the posts to a recipient group is identified based at least in part on the social media post include a subject tag for the merchant. A subset of the posts is filtered based at least in part on an identification of a duplicative post with the subject tag. A set of recipients for the recipient group is identified based at least part on individual recipients in the set of recipients sharing a common preference and metadata associated with a particular post of the subset of the posts. The particular post of the subset of the posts is inserted into a web page.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme

Abrégé

At least some embodiments are directed to a system that receives from an online portal loaded in a computing device, a user request to instantiate a server cluster in a hybrid computer network. The system authenticates and redirects the user request to a selected computer network configured in the hybrid computer network. The system instantiates the server cluster in the selected computer network causing the server cluster to initiate a microservice agent during bootup. The system sends a command to the server cluster to initiate the execution of a process and receives from the microservice agent event data associated with the process. The system inputs the event data into a trained machine learning model to determine a first execution state of the process and sends a command to change the first execution state of the process to a second execution state.

Classes IPC  ?

• H04L 41/0806 - Réglages de configuration pour la configuration initiale ou l’approvisionnement, p.ex. prêt à l’emploi [plug-and-play]
• G06N 20/00 - Apprentissage automatique
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 67/10 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau
• G06Q 10/10 - Bureautique; Gestion du temps
• H04L 41/22 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p.ex. des réseaux de commutation de paquets comprenant des interfaces utilisateur graphiques spécialement adaptées [GUI]

Abrégé

A transaction card can be manufactured from rigid materials, such as glass, stone, or ceramics. First, a rigid layer of a transaction card can be placed within a first recess of a first metallic sheet. The first recess can comprise a lip and an opening. Next, a binding layer can be placed on top of the first rigid layer of the transaction card where the binding layer comprises a binding medium. A second rigid layer can be placed on top of the binding layer. A second metallic sheet can be placed on top of the first metallic sheet where the second metallic sheet has a second recess with a lip and an opening. Next, the first metallic sheet can be fused together with the second metallic sheet to form a fused metal sheet. The fused metal sheet can be cut along a border of the opening of the first recess.

Classes IPC  ?

• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support

Abrégé

A reward points transfer method of the present disclosure comprises receiving, by a blockchain node in a blockchain network, an encrypted rewards transfer message from a credit card transaction account issuer system; writing, by the blockchain node, the encrypted rewards transfer message to the blockchain network; initiating, in response to the encrypted rewards transfer message being written to the blockchain network, a transfer of reward points from a first reward loyalty program to a second reward loyalty program, wherein the transferred reward points are subject to being paid back to the first reward loyalty program from the second reward loyalty program; and generating, by the blockchain node, a rewards transfer response message comprising a transfer status, wherein the transfer status indicates a status of the transfer of reward points as being either transfer completed, transfer failed, or transfer pending.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

Abrégé

At least some embodiments of the present disclosure are directed to an exemplary method comprising transferring, via a batch processing operation, real-time user-related activity data of a user from a cache memory storage of a transaction account issuer into a datastore of the transaction account issuer; retrieving additional real-time user-related activity data from the cache memory storage of the transaction account issuer; determining that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation; decreasing a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data; and determining that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance.

Classes IPC  ?

• G06Q 20/24 - Schémas de crédit, c. à d. de "paiement différé"
• G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
• G06Q 40/03 - Crédits; Prêts; Leur traitement

Abrégé

The present disclosure include an exemplary method comprising receiving a transaction history comprising transaction information associated with a plurality of transactions for an entity, wherein the transaction information involves transactions completed between employees of the entity and one or more merchants; detecting, using a machine learning algorithm, one or more leakage events associated with a transaction, the one or more leakage events comprising a first leakage event, wherein the first leakage event indicates a non-compliance of a spending rule of the entity by a participant in the transaction, wherein the one or more detected leakage events are analyzed as inputs to improve performance of the machine learning algorithm using unsupervised machine learning; and performing an analysis of a compliance level of the entity based on performing the detection of the one or more leakage events for the plurality of transactions.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 30/018 - Certification d’entreprises ou de produits
• G06Q 20/08 - Architectures de paiement

Abrégé

Systems and methods for peer-to-peer secure document exchange are disclosed. The system may allow a document provider to securely transmit a certified document to a document verifier using decentralized storage. The verifier system may generate a session key pair and transmit the session public key to a trusted API provider. The trusted API provider may generate a session nonce. The verifier system may transmit the session nonce to the provider system. The provider system may use the session nonce to retrieve the session public key. The provider system may encrypt a certified document using the session public key and store the encrypted certified document in the decentralized storage. The verifier system may retrieve the encrypted certified document by polling the trusted API provider based on the session nonce. The verifier system may decrypt the encrypted certified document using the session private key.

Classes IPC  ?

• G06F 21/60 - Protection de données
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• G06F 9/54 - Communication interprogramme

Abrégé

At least some embodiments are directed to an insights inference system that produces multiple insights associated with an entity. The insights inference system generates a decision tree machine learning model, assigning a first insight to a parent node of a decision tree machine learning model and assigning at least one second insight to child nodes of the decision tree machine learning model. Each child node is associated with a sequence number and a rank number. The sequence number and the rank number are indicative of a significance associated with the at least one second insight. The insight inference system responds to queries by traversing the decision tree machine learning model to compute at least one response insight based on the sequence number and the rank number associated with each child node and outputs the at least one response insight to a client terminal.

Classes IPC  ?

• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique
• G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
• G06N 5/01 - Techniques de recherche dynamique; Heuristiques; Arbres dynamiques; Séparation et évaluation
• G06N 7/01 - Modèles graphiques probabilistes, p.ex. réseaux probabilistes

Abrégé

In various embodiments, a micro registry may be a mobile communication platform that is configured to connect to users and service hosts. The micro registry may facilitate advertisements, payments, communication, loyalty, behavior tracking, social media interaction, and/or any other suitable communication advertising, or transaction between a user and a service host. The micro registry may employ BLE beacons that enable the micro-registry to identify micro-locations and facilitate connections (e.g., interfaces, interactions, communications, etc.) between user devices and service hosts and/or merchants.

Classes IPC  ?

• H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
• H04W 4/021 - Services concernant des domaines particuliers, p.ex. services de points d’intérêt, services sur place ou géorepères

Abrégé

Disclosed are various embodiments for implementing a decentralized messaging system that allows users to exchange messages via an inbox maintained through a distributed ledger. A messaging inbox can be created for a user in a distributed ledger using an inbox address that includes a string of alphanumeric numbers without an identifying domain name or identifying information about the user. Furthermore, a user may define content preferences associated with the inbox that can be used by the distributed ledger to filter content received in the inbox to minimize unwanted or undesired content provided to the user.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• H04L 51/212 - Surveillance ou traitement des messages utilisant un filtrage ou un blocage sélectif
• H04L 51/42 - Aspects liés aux boîtes aux lettres, p.ex. synchronisation des boîtes aux lettres
• H04L 61/50 - Allocation d'adresse
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet

Abrégé

The present disclosure involves detecting a first language type of a query configured to access a column in a data table, wherein the query is requested by a user; converting, by the computing device, the query from the first language type to a second language type that conforms with the data storage format of the data table; after converting the query to the second language type, generating, by the computing device, a temporary table including the column and enforcing an access permission by formatting the temporary table to support the second language type and excluding a row from the temporary table for which the user does not have access rights; and executing, by the computing device, the query against the temporary table to generate a query result.

Classes IPC  ?

• G06F 16/23 - Mise à jour
• G06F 16/248 - Présentation des résultats de requêtes
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
• G06F 16/176 - Support d’accès partagé aux fichiers; Support de partage de fichiers
• G06F 16/435 - Filtrage basé sur des données supplémentaires, p.ex. sur des profils d'utilisateurs ou de groupes
• G06F 16/17 - Systèmes de fichiers; Serveurs de fichiers - Détails d’autres fonctions de systèmes de fichiers
• G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
• G06F 16/2452 - Traduction des requêtes
• G06F 16/182 - Systèmes de fichiers distribués
• G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage

Abrégé

Disclosed are various approaches for managing the status of machine-learning models using distributed ledgers. A registration request for a machine-learning model can be received. The registration request can include a model name for the machine-learning model, a version identifier for the machine-learning model, a network address from which the machine-learning model can be retrieved, a source code hash for a source code version of the machine learning model, and a runtime hash for a binary executable version of the machine-learning model. A registration identifier can then be created based at least in part on the source code hash and the runtime hash. Subsequently, an entry in the distributed ledger can be created for the machine-learning model. The entry can include the registration identifier, the model name, the model version, the network address, the source code hash, and the runtime hash.

Classes IPC  ?

• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06F 16/23 - Mise à jour
• G06F 16/245 - Traitement des requêtes
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06N 20/00 - Apprentissage automatique

Abrégé

Disclosed are examples of transaction cards incorporating aluminum or aluminum alloys. The aluminum can be extracted or recycled from a retired aircraft. Other materials can also be incorporated into the transaction card to provide sufficient weight and rigidity to the transaction card. Stainless steel can be incorporated into the construction of the card in combination with aluminum to provide a desired user experience.

Classes IPC  ?

• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support
• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
• B32B 27/30 - Produits stratifiés composés essentiellement de résine synthétique comprenant une résine acrylique
• B32B 43/00 - Opérations spécialement adaptées aux produits stratifiés et non prévues ailleurs, p.ex. réparation; Appareils pour ces opérations
• B32B 15/20 - Produits stratifiés composés essentiellement de métal comportant de l'aluminium ou du cuivre

Abrégé

Systems and methods are disclosed for generating interactive user interfaces for evaluating transactions of an organization. For example, a system can be configured to receive transactions for an organization and determine a first subset of the transactions during a trip at a first location that is different from a home location of a consumer. A respective transaction associated with a second location that occurred during the trip is identified. The respective transaction is assigned to the first subset of the of transactions for the trip. A second subset of the transactions of a spending type is determined. A parameter value associated with the spending type is identified. A parameter adjustment is determined. The system is configured to cause a display of a spending type user interface on a client device and receive a selection of a parameter component.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

Disclosed are various embodiments for metaverse authentication using NFTs. An authentication setup request for an NFT can be received from an owner of the NFT. Then, a unique authentication credential for the NFT can be requested from an NFT smart contract. In response, URL of an edge wallet associated with an owner of the unique authentication credential is received. Then, a request can be sent to the URI of the edge wallet for the unique authentication credential. In response, a signed challenge is received from the edge wallet and a public key is retrieved from the NFT. A signature of the signed challenge is determined to be valid based at least in part on the public key, and access to an asset or resource is configured based at least in part on the signature of the signed challenge being valid.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Disclosed are various embodiments for using decision trees for machine-learning when data is missing from a data set. A first attribute for splitting a plurality of records is identified. Then, the plurality of records are split into a first subset of records and a second subset of records. The first subset of records can include each of the plurality of records where a value is present for the first attribute and the second subset of records comprising each of the plurality of records where the value is absent for the first attribute. Finally, a node can be added to a decision tree that reflects the split of the plurality of records into the first subset of records and the second subset of records.

Classes IPC  ?

• G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
• G06N 5/01 - Techniques de recherche dynamique; Heuristiques; Arbres dynamiques; Séparation et évaluation
• G06N 20/00 - Apprentissage automatique

Abrégé

Systems and methods for identifying data of interest are disclosed. The system may retrieve unstructured data from an internet data source via an alert system or RSS feed. The system may input the unstructured data into various models and scoring systems to determine whether the data is of interest. The models and scoring systems may be executed in order or in parallel. For example, the system may input the unstructured data into a Naïve Bayes machine learning model, a long short-term memory (LSTM) machine learning model, a named entity recognition (NER) model, a semantic role labeling (SRL) model, a sentiment scoring algorithm, and/or a gradient boosted regression tree (GBRT) machine learning model. Based on determining that the unstructured data is of interest, a data alert may be generated and transmitted for manual review or as part of an automated decisioning process.

Classes IPC  ?

• G06F 40/30 - Analyse sémantique
• G06F 16/95 - Recherche dans le Web
• G06N 5/045 - Explication d’inférence; Intelligence artificielle explicable [XAI]; Intelligence artificielle interprétable
• G06N 20/00 - Apprentissage automatique
• G06F 40/295 - Reconnaissance de noms propres

Abrégé

Disclosed are various embodiments for generating relevant notifications of content generated by third party data sources. In some embodiments, a system comprises a computing device and machine readable instructions. The computing device includes a processor and a memory. The machine-readable instructions can be stored in the memory that, when executed by the processor, cause the computing device to receive content from a third party data source based at least in part on a keyword topic. An embedding for the content is generated. The system can classify a portion of the content as associated with the keyword topic. Organizations can be identified from the portions of the content. The system can generate a list from the organizations identified in the content and transmit a notification to a client device regarding the content.

Classes IPC  ?

• G06F 16/00 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet
• G06F 9/54 - Communication interprogramme
• G06F 16/958 - Organisation ou gestion de contenu de sites Web, p.ex. publication, conservation de pages ou liens automatiques
• G06N 20/00 - Apprentissage automatique
• G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
• G06F 16/906 - Groupement; Classement

Abrégé

An electronic record related to a first transaction of a user can be received at a point-of-sale device. A user interface with real-time transaction data can be generated and displayed on the user device. An eligibility of the first transaction for a reward program can be determined. A portion of the reward program based on said determined eligibility can be selected and the electronic record of the first transaction can be updated by modifying the real-time transaction data currently displayed within the UI.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 30/0235 - Remises ou incitations, p.ex. coupons ou rabais limitées dans le temps ou par une date d’expiration
• G06Q 30/0238 - Remises ou incitations, p.ex. coupons ou rabais au point de vente

Abrégé

The present disclosure presents systems and related methods for creating real-time predictions. One such method comprises receiving, by a computing device, a first set of data and a second set of data, wherein the first set of data comprises a plurality of items available from a first source for a first set of users and the second set of data comprises transaction purchase data for a second set of users that have reward accounts, utilizing a predictive data model that determines a propensity score for a user from only behavior data that is not attributed to the user; receiving a third set of data from a third source comprising social media channel data for a third set of users; and updating the predictive data model to determine the propensity score for the user based at least in part on the third set of data.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 30/0204 - Segmentation du marché
• G06Q 30/0251 - Publicités ciblées
• G06Q 30/0601 - Commerce électronique [e-commerce]

Abrégé

Disclosed are various embodiments for generating payment accessibility notifications for individuals with impairments. In one non-limiting example, a system includes a first computing device configured to identify a second computing device using a wireless communication protocol in a store location. A first notification for the first computing device is activated based at least in part on an accessibility type. A user interface is displayed for receiving client data, and the client data includes a product entered by a user. An expected amount is determined for the product based at least in part on the client data and transmitted to the second computing device. A pending amount for the product is received from the second computing device. A second notification is activated for the first computing device prior to a completion of the purchase based at least in part on the pending amount and the expected amount.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente

Abrégé

A method, system, and computer readable storage to implement a data marketplace which stored data assets, such as tables, models, variables, etc. All of the data assets (assets) can be searched and retrieved from the data marketplace notwithstanding that the assets can be stored at different locations, in different forms, and in different platforms through an entire big data system. The data marketplace also predicts and suggests assets which will be likely to be relevant to a user's current project.

Classes IPC  ?

• G06F 16/242 - Formulation des requêtes
• G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
• G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
• G06F 3/0481 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] fondées sur des propriétés spécifiques de l’objet d’interaction affiché ou sur un environnement basé sur les métaphores, p.ex. interaction avec des éléments du bureau telles les fenêtres ou les icônes, ou avec l’aide d’un curseur changeant de comport

Abrégé

The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.

Classes IPC  ?

• G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 30/0241 - Publicités
• G06Q 30/0251 - Publicités ciblées

Abrégé

Disclosed are various embodiments for authenticating users of applications using decentralized data models for storing a user's identity. A fingerprint for a computing device is received from an application executing on the computing device. An identity key associated with the fingerprint for the computing device is then obtained, the identity key being linked to a signed claim. The signed claim is retrieved and evaluated. The application executing on the computing device is then granted access to the computing resource in response to evaluating the signed claim.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur

Abrégé

Disclosed are various systems and methods for using distributed ledgers to assist in securely developing applications. One such method comprises requesting a validation service to determine if an application component is permitted to be deployed within a software application, wherein a use indicator is provided with the request to the validation service and indicates how the application component is being used within the software application; receiving a response from the validation service confirming that an endorsed application component record exists for the application component in a distributed ledger, wherein the response indicates that a degree or type of security risk that usage of the application component can introduce to the software application complies with a security policy for inclusion of application components in the software application; and responsive to receiving the response from the validation service, deploying the application component in the software application.

Classes IPC  ?

• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• G06F 8/77 - Métriques logicielles
• H04L 9/08 - Répartition de clés

Abrégé

The present disclosure presents systems and related methods for customer defined limited use authorization. One such method comprises implementing a customer defined generation control associated with a parent transaction account; receiving a request to generate the electronic payment token from at least one of an issuer web app or an issuer native app; verifying that the generation control condition has been satisfied; generating via a tokenization engine, the electronic payment token in response to the request to generate the electronic payment token, wherein generating the electronic payment token further comprises storing an expanded set of token controls comprising customer defined authorization control as token data; and transmitting, via the tokenization engine, the electronic payment token to the customer mobile device responsive to the generation control condition being verified as being satisfied.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

Disclosed are various embodiments for using decision trees for machine-learning when data is missing from a data set. A first attribute for splitting a plurality of records is identified. Then, the plurality of records are split into a first subset of records and a second subset of records. The first subset of records can include each of the plurality of records where a value is present for the first attribute and the second subset of records comprising each of the plurality of records where the value is absent for the first attribute. Finally, a node can be added to a decision tree that reflects the split of the plurality of records into the first subset of records and the second subset of records.

Classes IPC  ?

• G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
• G06N 20/00 - Apprentissage automatique
• G06N 5/00 - Agencements informatiques utilisant des modèles fondés sur la connaissance

Abrégé

Disclosed are various embodiments for implementing a decentralized messaging system that allows users to exchange messages via an inbox maintained through a distributed ledger. A messaging inbox can be created for a user in a distributed ledger using an inbox address that includes a string of alphanumeric numbers without an identifying domain name or identifying information about the user. Furthermore, a user may define content preferences associated with the inbox that can be used by the distributed ledger to filter content received in the inbox to minimize unwanted or undesired content provided to the user.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• H04L 51/42 - Aspects liés aux boîtes aux lettres, p.ex. synchronisation des boîtes aux lettres
• H04L 51/212 - Surveillance ou traitement des messages utilisant un filtrage ou un blocage sélectif
• H04L 61/50 - Allocation d'adresse
• H04L 101/365 - Noms de couche d'application, p.ex. noms des contacts, noms non structurés choisis par un utilisateur ou nom d’appareil ménager

Abrégé

Systems and methods of the present disclosure may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. Accordingly, one such method comprises receiving a request to access an output variable by applying one or more data transformations to input data; before applying an actual data transformation to the input data, identifying that a match exists with a database of prior data transformations that have been applied to source variables to generate derived variables; identifying that a source variable in the matching one or more data transformations is flagged as sensitive data; and processing the request to access the output variable subject to an access restriction in response to the identification of the source variable that is flagged as sensitive data.

Classes IPC  ?

• G06F 16/11 - Administration des systèmes de fichiers, p.ex. détails de l’archivage ou d’instantanés
• G06F 16/2458 - Types spéciaux de requêtes, p.ex. requêtes statistiques, requêtes floues ou requêtes distribuées

Abrégé

The present disclosures presents system and methods for blockchain based payment networks. One such method comprises preparing, by a payment network, a request to complete a transaction from an digital currency account associated with a payer digital wallet for entry on a blockchain ledger, wherein the request to complete the transaction includes an amount and a payee address associated with a fiat currency account; sending the request to complete the transaction to the blockchain ledger; approving the request to complete the transaction; and adjusting a balance of the payer digital wallet and a balance of the fiat currency account in response to approval of the request to complete the transaction by writing the transaction comprising the amount and the payee address to the blockchain ledger, wherein a value of the digital currency substantially matches a value of the fiat currency.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

Systems and methods for presenting a personalized value added offer during an advanced verification process are provided. An access control server may receive an enrollment verification request comprising data relating to an account holder. The server may determine an enrollment status of the account holder and determine a value added offer based on the account holder. The server may display an advanced verification interface for user input. The advanced verification interface may include the value added offer and/or a security credential prompt. The server may personalize the advanced verification interface and/or the value added offer based on monitoring the system and compiling historical transaction data.

Classes IPC  ?

• G06Q 30/00 - Commerce
• H04L 9/40 - Protocoles réseaux de sécurité
• G06Q 30/0251 - Publicités ciblées
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 30/0207 - Remises ou incitations, p.ex. coupons ou rabais
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

Systems and methods for transactions using remote EMV payment applications are disclosed. The system may enable EMV transactions to be completed using EMV payment applications stored in a remote server. The remote EMV payment application may directly communicate EMV transaction data to the issuer system to complete transactions. The system may receive a transaction request comprising a payment token and an EMV payment application uniform resource identifier (“URI”). The system may invoke from a payment application server a remote EMV payment application based on the EMV payment application URI, wherein in response to being invoked, the remote EMV payment application is configured to interact with a merchant system kernel to process the transaction request, and wherein in response to processing the transaction request the remote EMV payment application is configured to transmit a transaction authorization request comprising EMV transaction data directly to the issuer system.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

Disclosed are approaches for enforcing requirements that documentation be up to date. In response to initiation of a build process for an application, a source-code file associated with the application is evaluated to determine an identifier and a location for a corresponding documentation file. A determination can be made regarding whether the documentation file exists at the location. Another determination can be made regarding whether each function specified in the source-code file has a corresponding entry in the documentation file. The build process can be halted in response to determining that at least one function specified in the source-code file fails to have the corresponding entry in the documentation file. If the build process is halted, a message can be displayed on the computing device, the message identifying the at least one function specified in the source-code file that fails to have the corresponding entry in the documentation file.

Classes IPC  ?

• G06F 8/73 - Documentation de programme
• G06F 8/41 - Compilation
• G06F 8/71 - Gestion de versions ; Gestion de configuration

Abrégé

At least some embodiments are directed to a system to compute uniform structured summarization of customer chats. In at least some embodiments, the system may operate a processor and receive a corpus of chats between customers and customer service representatives of an enterprise. Grouping the corpus of chats into subgroup task types and then extracting chat keywords and chat related words for each subgroup task type. Generating an expandable template data structure for each subgroup task type. Processing at least one chat to extract chat utterances and chat snippets ranking the chat utterances and chat snippets. Populating the expandable template data structure based on rankings to generate a chat summary data structure.

Classes IPC  ?

• G06F 16/31 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 40/30 - Analyse sémantique
• G06F 16/33 - Requêtes
• G06F 16/35 - Groupement; Classement
• G06F 16/36 - Création d’outils sémantiques, p.ex. ontologie ou thésaurus

Abrégé

Disclosed are various embodiments for searching encrypted data. A search query containing a plaintext key can be received from a client device or other application. A request can then be sent to a storage engine for a ciphertext key of a node of a binary tree, the node representing an encrypted key-value pair that includes the ciphertext key. The ciphertext key can be decrypted using a cryptographic key to generate a decrypted ciphertext key. Then, the decrypted ciphertext key can be compared to the plaintext key. A determination can then be made as to whether the encrypted key-value pair represented by the node of the binary tree satisfies the search query based at least in part on a comparison of the decrypted ciphertext key to the plaintext key.

Classes IPC  ?

• G06F 21/60 - Protection de données
• G06F 16/245 - Traitement des requêtes
• H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
• H04L 9/08 - Répartition de clés

Abrégé

A system and a method for splitting a transaction across multiple systems is disclosed. In some examples, a system is configured to receive a notification of a transaction that has occurred with a merchant for a transaction account. The system is configured to initiate a split of the transaction based at least in part on a selection of a user interface element and display a user interface for identifying a selection of a peer-to-peer system for a selected contact of the transaction. A funds request is transmitted and includes an identifier for the selected contact at the peer-to-peer system.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A system and a method for tracking repayment status of a transaction split across multiple systems is disclosed. In some examples, a system is configured to receive a notification of a transaction that has occurred with a merchant for a transaction account. The system is configured to initiate a split of the transaction based at least in part on a selection of a user interface element and display a user interface for identifying a selection of a peer-to-peer system for a selected contact of the transaction. A funds request is transmitted and includes an identifier for the selected contact at the peer-to-peer system. A user interface is displayed provides a repayment status for the fund request transmitted for the identifier.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

Disclosed are various embodiments facilitating a holistic engagement with a user across multiple communication channels of an organization or an enterprise based at least in part on a determined user intent. As users interact with various services associated with the organization through one or more communication channels, interaction data can be captured and stored. In various examples, the interaction data that is stored by the various services can be obtained and organized according to a predefined schema. The organized interaction data can be applied to a trained intent model that outputs a user intent based at least in part on observations of other users with similar histories. The predicted intent can be provided to the different services such that subsequent interactions between the user and the organization can be based at least in part on the intent in a consistent manner, regardless of the communication channel associated with the interaction.

Classes IPC  ?

• H04L 65/403 - Dispositions pour la communication multipartite, p.ex. pour les conférences

Abrégé

A system for automated information support processing is disclosed. The system may receive a natural language information support request from a plain text input channel. The system may determine a first user intent based on the information support request. The system may compare the first user intent with a set of support rules. The system may determine a dispositioned outcome based on the set of support rules and the user intent. The system may return the dispositioned outcome.

Classes IPC  ?

• G06N 5/025 - Extraction de règles à partir de données
• G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
• G06N 20/00 - Apprentissage automatique
• G06F 40/205 - Analyse syntaxique
• G06F 40/40 - Traitement ou traduction du langage naturel
• G06F 40/279 - Reconnaissance d’entités textuelles
• G06F 40/30 - Analyse sémantique

Abrégé

Disclosed are various embodiments for providing automated non-billing cycle remittances in order to load-balance batch processing jobs. An eligible user is identified for registration. Then, a registration request is sent to the user. Next, user registration data is received in response to the registration request, the user registration data specifying an event trigger. Then, it is determined that the processing event trigger has occurred. Subsequently, the processing event is executed in response to the processing event trigger occurring.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06F 9/48 - Lancement de programmes; Commutation de programmes, p.ex. par interruption

Abrégé

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support
• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
• H04W 12/06 - Authentification
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente

Abrégé

Disclosed are various embodiments for verifying a consumer's identity during card-not-present (CNP) transactions using biometric data (e.g., fingerprint, retina scan, iris scan, handprint, voice sample, face scan, etc.) of the consumer obtained using a biometric security device. A zero-knowledge proof algorithm is used to verify the identity of a user initiating a transaction without disclosing personal information (e.g., biometric data) of the user to the issuer, merchant, recipient and/or other party, thereby preserving the privacy of the user.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit notifications to requestees to request payment from the requestees. The transaction account issuer may transfer the payment from a transaction account of the requestee to the consumer's transaction account.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. The system may also receive, by the performance marketing cluster, second data from a second data source. The system may determine, by the marketing cluster, an analysis scheme for the first data and the second data based on the first data source. The system may also determine, by the marketing cluster, at least one of a propensity to act or a recommendation selected from a predefined number of available options for a population based on the analysis scheme and the first data source.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 30/0204 - Segmentation du marché
• G06Q 30/0251 - Publicités ciblées
• G06Q 30/0601 - Commerce électronique [e-commerce]

Abrégé

Disclosed are various embodiments for providing consistent user content. A first content request is received from a browser. Personalized content is then generated based at least in part on the first content request. A second content request is then received from the browser, the second content request including personally identifying information (PII). The alternative personalized content is then generated using the personally identifying information (PII). Either the personalized content or the alternative personalized content is elected to become the consistent personalized content. The consistent personalized content is provided to the browser in response to the second request.

Classes IPC  ?

• G06F 16/23 - Mise à jour
• G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
• G06F 16/9537 - Recherche à dépendance spatiale ou temporelle, p.ex. requêtes spatio-temporelles
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

Abrégé

Systems and methods for data Process an optimized analytics environment are disclosed. The system may enable users to create data processing requests, interact with various data sources and datasets, and generate data processing outputs. The system may receive a data processing request from an audio-enabled input source or a UI-based input source. The system may determine whether the data processing request at least partially matches a stored data processing request. The system may receive a data processing request selection comprising the data processing request or the stored data processing request. The system may execute the data processing request selection on a data source.

Classes IPC  ?

• G06F 16/2453 - Optimisation des requêtes
• G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur

Abrégé

Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

Classes IPC  ?

• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

A system for testing the effectiveness of webpage configurations is disclosed. Tags indicating dependency between sections of a webpage may be associated with the sections. In response to a version of a first section of a webpage being tested, an associated tag may indicate that the content or behavior of a second section is dependent on the first section. A webpage configuration including content of the first section, and corresponding behavior and content of the second section, may be transmitted to a web client. Data may be collected indicating the effectiveness of the webpage configuration.

Classes IPC  ?

• G06F 16/958 - Organisation ou gestion de contenu de sites Web, p.ex. publication, conservation de pages ou liens automatiques
• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
• G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
• H04L 67/50 - Services réseau

Abrégé

A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Classes IPC  ?

• G06Q 30/04 - Facturation
• G06Q 20/08 - Architectures de paiement

Abrégé

Disclosed are various embodiments for transfers using credit accounts. A request to send a specified amount of funds from a specified credit account to a recipient is received from a first client device. A transaction identifier for the request to send the specified amount of funds to the recipient is requested from the computing device. A first notification is sent to a second client device, wherein the first notification comprises the transaction identifier and the second client device is associated with the recipient. A second notification is received from the second client device that the recipient has accepted the specified amount of funds. A funds transfer is then initiated to the monetary account for the specified amount of funds.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

In various embodiments, a system, method, and computer readable medium of the present disclosure comprises authenticating, by a processor of a computing device, credential information of a user of the computing device; releasing, by a processor of the computing device and in response to authenticating the credential information, a first secret element to a secure element processor of the computing device; verifying, by the processor of the computing device from the secure element processor of the computing device, that the user is an authorized user of a first transaction account by comparing the first secret element with an issuer element associated with the first transaction account; and activating, by the processor of the computing device, the first transaction account for a transaction on the computing device.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06F 21/44 - Authentification de programme ou de dispositif

Abrégé

A virtual transaction account may be issued to a designated recipient, wherein authorization limits may limit the duration, availability, value, and functionality of the virtual transaction account. The virtual transaction account may be linked and depend from a parent transaction account, and contain similar payment functionalities as a credit card. The virtual transaction account may be unilaterally issued by a program administrator, without the need to request issuance from an issuer.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The system may be configured to perform operations including receiving a transaction history for a consumer having transaction information associated with a plurality of transactions; detecting within the transaction information for each transaction a characteristic, resulting in a plurality of characteristics; calculating a respective value associated with each characteristic, wherein the respective value is at least one of a number or percentage of transactions having the characteristic; assigning a respective weight to each characteristic, producing an assigned respective weight for each characteristic; applying the assigned respective weight to the respective value associated with each characteristic to produce a respective weighted value for each characteristic; combining the respective weighted values of the plurality of characteristics; and/or producing a compliance score in response to the combining the respective weight values.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement

Abrégé

Disclosed herein are system, method, and computer program product embodiments for a method of automated payment processing. In some embodiments, the method may receive a transaction request from a purchaser to transfer a payment amount from a purchaser account of the purchaser to a supplier account associated with a supplier. The transaction request may be an invoice including a payment amount for the specific transaction and a supplier identification number identifying the supplier. In response to the transaction request, the method debits the payment amount from the purchaser account, identifies the supplier account based on the supplier identification number, and credits the payment amount to the identified supplier account. The purchaser account may be linked to a transaction card used to pay the payment amount. The method allows automated payment processing without transmission of a transaction account number linked to the purchaser account.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A transaction card is described that includes a first print layer, a second print layer, an antenna inlay layer, and a light-emitting element. At least one of the first print layer and the second print layer has a transparent portion through which light transmits. The antenna inlay layer has a loop antenna disposed thereon. The light-emitting element has a two-dimensional form factor and is positioned between the antenna inlay layer and one of the first print layer and the second print layer. The transaction card includes wireless power receiver circuitry that receives a wireless signal via the loop antenna and induces a voltage across terminals of the light-emitting element, causing the light-emitting element to illuminate and emit light through the transparent portion.

Classes IPC  ?

• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support

Abrégé

Disclosed are various embodiments for securing transactions with single-use account tokens. In one embodiment, an authorization system creates a single-use account token for a valid primary account identifier. The single-use account token is sent as an email attachment to an email address of an associate account holder. A user device is configured to load the single-use account token from the email attachment into a wallet application of the user device. The valid primary account identifier is prevented from being used by the authorization system to authorize a transaction in response to the single-use account token being created.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Systems and methods for automated detection of website errors during a sequence of device interactions with a website. In one example, a computing device is configured to receive a website navigation sequence of a series of web page interactions between a client device and a website. The computing device can determine a predicted completion time for a next measurement of the client device executing the website navigation sequence. An actual completion time for the next measurement of the client device executing the website navigation sequence can be determined. Then, the computing device can determine an anomaly website event based on the actual competition time failing to meet a boundary threshold. The anomaly website event is determined to be a website error based on a second machine learning model being trained with a plurality of previous website errors identified from a plurality of previous website navigation sequences.

Classes IPC  ?

• G06F 11/00 - Détection d'erreurs; Correction d'erreurs; Contrôle de fonctionnement
• G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique
• H04L 67/02 - Protocoles basés sur la technologie du Web, p.ex. protocole de transfert hypertexte [HTTP]
• G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”