There are provided systems and methods for correlating messages from asynchronous message queues using polling with exponential backoff and jitter. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities including for electronic transaction processing. When utilizing these transaction processing services, merchant locations may utilize payment terminals, such as card and NFC readers, as well as point-of-sale devices, each of which may independently send transaction messages to the service provider. To correlate these messages from different queues, the messages may be stored when received in an intermediary storage independently and the other storage polled at intervals with exponential backoff to identify corresponding messages and data. Further, jitter may be introduced to the polling process to stagger polling events for different messages.
There are provided systems and methods for correlating messages from asynchronous message queues using polling with exponential backoff and jitter. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities including for electronic transaction processing. When utilizing these transaction processing services, merchant locations may utilize payment terminals, such as card and NFC readers, as well as point-of-sale devices, each of which may independently send transaction messages to the service provider. To correlate these messages from different queues, the messages may be stored when received in an intermediary storage independently and the other storage polled at intervals with exponential backoff to identify corresponding messages and data. Further, jitter may be introduced to the polling process to stagger polling events for different messages.
Techniques are disclosed for maintaining a network graph by updating labels in the graph based on features generated using at least two different feature extraction procedures. A server system accesses a machine learning model trained using features generated using multiple feature extraction procedures. Using the model, the system determines labels for unlabeled nodes in a network graph whose nodes correspond to entities and whose edges correspond to electronic communications executed between the different entities, where the determining is performed based on output of the model for values of the features corresponding to the unlabeled nodes. Based on the determining, the system updates the graph by assigning the determined labels to the unlabeled nodes in the graph. The system performs, based on the assigned labels indicating that behavior of entities corresponding to the nodes are anomalous, preventative actions for entities corresponding to the nodes with assigned labels.
Techniques are disclosed for generating multiple different types of new features from a network graph and training a machine learning model using the newly generated features. A server system generates, from electronic communications, a network graph that includes nodes and edges. The server captures snapshots of the network graph that include nodes and edges existing at different time intervals. The system generates, for nodes included in respective snapshots, different types of features that include a neighbor convolution feature for a given node in a given snapshot by compressing node behavior features for neighbor nodes of the given node that are one hop away from the given node within the given snapshot of the network graph. The system trains, using the plurality of different types of features, a machine learning model usable to predict whether unlabeled nodes in the network graph are anomalous.
A system performs operations that include receiving a database request to access, via a first connection in a connection pool, information stored in a database of the system. The first connection is associated with a physical connection layer and one or more logical connection layers. The physical connection layer points to a first network socket. Additionally, the operations include storing metadata associated with the one or more logical connection layers in a buffer. The operations further include responsive to determining that the first connection has been terminated and while maintaining the one or more logical layers, modifying the physical connection layer to point to a second network socket that is different from the first network socket. The operations also include subsequent to the modifying, processing the database request via the first connection based on the metadata stored in the buffer.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
A system and/or method may be provided to authenticate a user. An example method of authenticating a user includes receiving, by a merchant application, a user request to complete a transaction using a payment service provider. The method also includes in response to receiving the user request to complete the transaction, retrieving, by the merchant application, a browser cookie stored on a user device and associated with one or more user interactions with a browser included in the user device and the payment service provider. The method further includes in response to receiving the user request to complete the transaction, launching, by the merchant application, an instance of the browser that reads the browser cookie and authenticates the user based on the browser cookie.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed for automatically retraining a machine learning model based on the performance of this model falling below a performance threshold. In some embodiments, a computer system compares output of a new machine learning model for a new set of examples with known labels for examples in the new set of examples, wherein the new set of examples includes one or more new features. In some embodiments, the computer system determines, based on the comparing, whether a current performance of the new machine learning model satisfies a performance threshold for machine learning models, where the performance threshold is based on output of a benchmark machine learning model. In some embodiments, the computer system automatically triggers, in response to determining that the current performance of the new model does not satisfy the performance threshold, retraining of the new model.
G06F 18/21 - Design or setup of recognition systems or techniques; Extraction of features in feature space; Blind source separation
G06F 18/213 - Feature extraction, e.g. by transforming the feature space; Summarisation; Mappings, e.g. subspace methods
G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
Techniques are disclosed for generating multi-dimensional variable matrices for predicting abnormality of electronic communications. After receiving the request for a new communication from a given entity, a system retrieves attributes of the entity. The system generates, a variable matrix for the entity with a variable dimension corresponding to a number of variables determined for the entity based on the entity's attributes and an entity dimension corresponding to a number of other entities with which the entity performed communications. The system inputs the variable matrix into a trained machine learning model and determines, based on an abnormality score output by the model, whether the communication requested by the entity corresponds to anomalous behavior. The disclosed techniques may advantageously provide a greater distribution of data for an entity using a multi-dimensional variable matrix for anomaly prediction e.g., using machine learning relative to traditional techniques that compress the distribution to a one-dimensional statistic.
Techniques are disclosed relating to a graphical user interface (GUI) that is operable to depict data lineage information in levels. In some embodiments, data lineage information may specify a directed graph that is indicative of a data lineage associated with a plurality of data elements. For example, in the data lineage information, the plurality of data elements may be represented as a corresponding plurality of nodes and, in the directed graph, the plurality of nodes may be connected by edges in a manner that is indicative of the data lineage relationships between the plurality of data elements. In various embodiments, the disclosed techniques may generate a data lineage GUI that, for a selected data element of the plurality of elements, is usable to navigate different levels of the data lineage in an upstream and downstream direction relative to a particular level of the selected data element.
Systems, methods, and computer program products are directed to machine learning techniques that use a separate embedding layer. This can allow for continuous monitoring of a processing system based on events that are continuously generated. Various events may have corresponding feature data associated with at least one action relating to a processing system. Embedding vectors that correspond to the features are retrieved from an embedding layer that is hosted on a separate physical device or a separate computer system from a computer that hosts the machine learning system. The embedding vectors are processed though the machine learning model, which may then make a determination (e.g. whether or not a particular user action should be allowed). Generic embedding vectors additionally enable the use of a single remote embedding layer for multiple different machine learning models, such as event driven data models.
A cryptography agent is implemented to serve as an intermediary for a client application executing on an unsecured portion of a machine to bring greater hardware-based security to the client application. The cryptography agent does so by generating a public/private key pair for the client application and sealing the key pair inside an enclave that resides on a secured portion of the machine. The cryptography agent fetches confidential information for the client application from a secure server, where the confidential information is encrypted using the public key. The cryptography agent seals the confidential information using seal keys that are directly fused into hardware of the machine on which the enclave resides, which prevents the client application from accessing the confidential information in plaintext form. The client application sends commands to the cryptography agent, which performs operations within the enclave according to the commands once the client application is validated.
Methods and systems for creating and analyzing low-dimensional representation of webpage sequences are described. Network traffic history data associated with a particular website is retrieved and a word embedding algorithm is applied to the network traffic history data to produce a low dimensional embedding. A prediction model is created based on the low-dimensional embedding. Browsing activity on the particular website is monitored. A set of sessions in the current browsing activity is flagged based on a result of applying the prediction model to the monitored browsing activity.
H04L 67/145 - Termination or inactivation of sessions, e.g. event-controlled end of session avoiding end of session, e.g. keep-alive, heartbeats, resumption message or wake-up for inactive or interrupted session
The disclosed computer-implemented method includes calculating, from transaction data, a statistical change in data entries corresponding to a type of transaction and modeling a transaction rule for normalizing the statistical change by changing an acceptance standard of the type of transaction. The method further includes activating the transaction rule to update a live database system for entering real-time data entries. Various other methods, systems, and computer-readable media are also disclosed.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed for generating multi-dimensional variable matrices for predicting abnormality of electronic communications. After receiving the request for a new communication from a given entity, a system retrieves attributes of the entity. The system generates, a variable matrix for the entity with a variable dimension corresponding to a number of variables determined for the entity based on the entity's attributes and an entity dimension corresponding to a number of other entities with which the entity performed communications. The system inputs the variable matrix into a trained machine learning model and determines, based on an abnormality score output by the model, whether the communication requested by the entity corresponds to anomalous behavior. The disclosed techniques may advantageously provide a greater distribution of data for an entity using a multi-dimensional variable matrix for anomaly prediction e.g., using machine learning relative to traditional techniques that compress the distribution to a one-dimensional statistic.
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
15.
CARD READER TERMINAL WITH EXTERNAL CONTACTLESS ANTENNA
Techniques for performing secure contactless payments are disclosed. An example apparatus includes an external contactless card reader, including a first short-distance communication antenna, connected to a card reader terminal using a feed line. The first short-distance communication antenna is configured to convert an electromagnetic signal including data received from a contactless payment card into an analog signal. The card reader terminal includes a short-distance receiver circuit and a secure controller, both located within a secure area, and a second short-distance communication antenna, wherein the first and second short-distance communication antennas are connected via separate paths to the short-distance receiver circuit. An example method includes receiving an electromagnetic signal including card data via a short-distance communication antenna in an external contactless card reader, converting the electromagnetic signal into an analog signal and transferring the analog signal to a card reader terminal.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed that relate to identifying a set of outlier data points from a set of time-series data. A computer system may receive time-series data that includes a plurality of data points. The computer system scores, using a first scoring function, a plurality of candidate outlier detection models to evaluate their ability to accurately predict outlier data points in the time-series data. The computer system selects, based on results of the scoring, a selected one of the plurality of candidate outlier detection models that predicts a preliminary set of outlier data points. Weak outliers may be removed and missing outliers added to generate a final set of outlier data points. The computer system may output one or messages explaining the rationale for including one or more of the final set of outlier data points.
A method according to the present disclosure may include providing an embedded service in an application, in response to receiving an input via the embedded service, determining an applicable module of a plurality of modules based on a characteristic of at least one of the input or of the embedded service, processing the input via the applicable module, and controlling the application based on the processed input. Another method according to the present disclosure may include providing an embedded service in an application, training a monitoring model via federated learning based on data derived locally from the application, monitoring, via the trained monitoring model, a plurality of interactions with the embedded service, determining, by the trained monitoring model, that at least one of the plurality of interactions comprises an anomalous interaction, and in response to the determination, restricting further usage of the application.
G06F 16/9535 - Search customisation based on user profiles and personalisation
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
18.
SYSTEMS AND METHODS FOR LEVERAGING EMBEDDED SERVICES
A method according to the present disclosure may include providing an embedded service in an application, in response to receiving an input via the embedded service, determining an applicable module of a plurality of modules based on a characteristic of at least one of the input or of the embedded service, processing the input via the applicable module, and controlling the application based on the processed input. Another method according to the present disclosure may include providing an embedded service in an application, training a monitoring model via federated learning based on data derived locally from the application, monitoring, via the trained monitoring model, a plurality of interactions with the embedded service, determining, by the trained monitoring model, that at least one of the plurality of interactions comprises an anomalous interaction, and in response to the determination, restricting further usage of the application.
H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence
Techniques are disclosed that relate to identifying a set of outlier data points from a set of time-series data. A computer system may receive time-series data that includes a plurality of data points. The computer system scores, using a first scoring function, a plurality of candidate outlier detection models to evaluate their ability to accurately predict outlier data points in the time-series data. The computer system selects, based on results of the scoring, a selected one of the plurality of candidate outlier detection models that predicts a preliminary set of outlier data points. Weak outliers may be removed and missing outliers added to generate a final set of outlier data points. The computer system may output one or messages explaining the rationale for including one or more of the final set of outlier data points.
A method for transferring a digital asset from a first user to a second user includes the first user's computing device scanning a token on physical media, such as a QR code on a greeting card, to launch a digital asset transfer interface. In the interface, the first user identifies a digital asset to be transferred, and the digital asset is transferred from the first user's account or other digital storage to a digital escrow. The first user conveys the physical media to a second user. The second user scans the same token to launch the digital asset transfer interface and is presented with the digital asset and a greeting or other content selected by the first user. The second user selects a destination account, and the digital asset is transferred from escrow to the destination account.
H04L 67/146 - Markers for unambiguous identification of a particular session, e.g. session cookie or URL-encoding
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06K 7/14 - Methods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
22.
DIGITAL ASSET TRANSFER BASED ON A UNIQUE PHYSICAL TOKEN
A method for transferring a digital asset from a first user to a second user includes the first user's computing device scanning a token on physical media, such as a QR code on a greeting card, to launch a digital asset transfer interface. In the interface, the first user identifies a digital asset to be transferred, and the digital asset is transferred from the first user's account or other digital storage to a digital escrow. The first user conveys the physical media to a second user. The second user scans the same token to launch the digital asset transfer interface and is presented with the digital asset and a greeting or other content selected by the first user. The second user selects a destination account, and the digital asset is transferred from escrow to the destination account.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
23.
SHORT-RANGE TRANSMISSION OF RECEIPT DATA WITHOUT CONTACT IDENTIFIERS
There are provided systems and methods for short-range transmission of receipt data without contact identifiers. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items from a merchant at a physical merchant location. The merchant may provide options to receive a receipt, where conventional digital receipt transmission would require the user to enter their contact information, such as an email address or phone number. Instead, the user may be provided with an option to receive a digital version of the receipt via short-range wireless communications without entering contact information. A message may be generated having a webpage address or another identifier allowing for retrieval of the digital receipt from a storage system, and the message may then be broadcast locally to the user's device. The broadcast may the cause the user's device to load and present the digital receipt.
There are provided systems and methods for short-range transmission of receipt data without contact identifiers. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items from a merchant at a physical merchant location. The merchant may provide options to receive a receipt, where conventional digital receipt transmission would require the user to enter their contact information, such as an email address or phone number. Instead, the user may be provided with an option to receive a digital version of the receipt via short-range wireless communications without entering contact information. A message may be generated having a webpage address or another identifier allowing for retrieval of the digital receipt from a storage system, and the message may then be broadcast locally to the user's device. The broadcast may the cause the user's device to load and present the digital receipt.
Techniques are disclosed relating to maintaining a high availability (HA) database. In some embodiments, a computer system receives, from a plurality of host computers, a plurality of requests to access data stored in a database implemented using a plurality of clusters. In some embodiments, the computer system responds to the plurality of requests by accessing data stored in an active cluster. The computer system may then determine, based on the responding, health information for ones of the plurality of clusters, wherein the health information is generated based on real-time traffic for the database. In some embodiments, the computer system determines, based on the health information, whether to switch from accessing the active cluster to accessing a backup cluster. In some embodiments, the computer system stores, in respective clusters of the database, a changeover decision generated based on the determining.
G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result
G06F 11/20 - Error detection or correction of the data by redundancy in hardware using active fault-masking, e.g. by switching out faulty elements or by switching in spare elements
Methods and systems are presented for providing a framework for dynamically managing computer resources in processing transactions by selectively applying one or more techniques to improve the computer resource usage efficiency of processing different transactions. When a request for processing a first transaction is received, an estimated frequency of future transactions that are related to the first transaction is predicted. Based on the estimated frequency of future transactions, one or more actions that improves the computer resource usage efficiency for processing the first transaction are applied. The action may include suspending the processing of the first transaction and subsequently performing a batch process including the first transaction and a second transaction related to the first transaction. The action may include storing data associated with the processing of the first transaction in a cache memory for use in the subsequent processing of a second transaction.
A computer-implemented method may include receiving an image to analyze for potential objects; providing the image as input to a pretrained machine learning model, where the pretrained machine learning model is trained to detect a known object that corresponds to a predefined category within the pretrained machine learning model or a generic object; determining based on output from the pretrained machine learning model, that the image comprises an instance of a generic object; performing, based on determining that the image comprises an instance of a generic object, a similarity search between the image and a library of images; and determining, for the instance of the generic object, a specific category defined by the library of images based at least in part on the similarity search. Various other methods and systems are also disclosed.
There are provided systems and methods for detection of similar machine learning features in real-time for declarative feature engineering. A service provider, such as an electronic transaction processor for digital transactions, may utilize computing services that implement machine learning models for decision-making of data including real-time data in production computing environments. Machine learning models may utilize features or variables that may correspond to coded logic that provides a measurable datum, property, or the like to the models for intelligent outputs. When creating features, preexisting features may accomplish the same or similar function. Thus, the service provider may provide machine learning clustering of features for similarity detection in real-time. Feature clusters may be precomputed and loaded for comparison using representative vectors for clusters. Each feature may have a declarative definition of parameters that may be used for comparison, and similar detected features may be output during feature engineering.
A device may collect environmental information surrounding the device. Based on the collected environmental information, the device may automatically identify a potentially secured location that has lower security risk. When a potentially secured location is identified, the device may prompt the user to setup a security profile having reduced security requirement for the secured location. The device may store and associate the security profile with the secured location. The device may activate the security profile with reduced security requirement when the device is in the secured area. Further, the security profile may require that certain features of the device be disabled when the device is in the secured location.
H04W 4/029 - Location-based management or tracking services
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
There are provided systems and methods for procedural pattern matching in audio and audiovisual files using voice prints. A user may utilize a computing device to interact with online service providers via voice communications. Based on audio and/or audiovisual data provided during the voice communications, voice prints may be generated, such as by determine audio signals from audio and/or audiovisual data, extracting audio features from such signals, and identifying voice and other audio dimensions in the audio and/or audiovisual data. The voice print may be generated based on an algorithmic calculation or other function that hides or obscures personal data for the corresponding user and/or masks the users voice and identity. The voice print may then be stored and used as a key for data associated with the user, which allows the data to be scrubbed or masked of the user's personal data to protect their privacy.
G10L 17/06 - Decision making techniques; Pattern matching strategies
G10L 17/02 - Preprocessing operations, e.g. segment selection; Pattern representation or modelling, e.g. based on linear discriminant analysis [LDA] or principal components; Feature selection or extraction
G10L 17/04 - Training, enrolment or model building
31.
REDUCING LATENCY THROUGH PROPENSITY MODELS THAT PREDICT DATA CALLS
There are provided systems and methods for reducing latency through propensity models that predict data calls. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users including those for electronic transaction processing. In order to provide sequence-based forecasting of computing events and processing requests for users, accounts, and/or activities associated with the service provider, the service provider may provide a machine learning model, such as a deep neural network, that predicted potential occurrences and likelihoods of computing events occurring at future times. When predicting the events, the service provider's machine learning predictive framework may further predict data calls required to be executed to retrieve data needed for processing during the events. These predicted calls may then be batched together into a batch processing job, which may be executed to retrieve the data prior to the predicted events.
G06N 3/0442 - Recurrent networks, e.g. Hopfield networks characterised by memory or gating, e.g. long short-term memory [LSTM] or gated recurrent units [GRU]
There are provided systems and methods for scalable service discover and load balancing using direct client connections to servers. A service provider, such as an electronic transaction processor for digital transactions, may provide different computing services to users through client devices, which utilize server instances from server pools and the like to provide the computing services to users. This may include providing servers to handle client requests and process data with users. When client devices connect to the service provider's system, service discovery may be performed to find an available server instance to handle client requests. To provide scalable service discovery, load balancers may, instead of managing client requests through the load balancers, ping server instances from a server pool to identify a network address of an available server. This may be returned to the client device and a direction connection may be made between the device and server.
A system according to the present disclosure may include a processor, a centralized data warehouse, and a non-transitory computer readable medium storing thereon instructions that are executable by the processor to cause the system to perform operations. The operations may include comprising training a machine learning model based on enterprise data from the centralized data warehouse, the machine learning model trained to determine a value corresponding to a metric, receiving, from at least one external source, updated enterprise data, determining, in real-time by the machine learning model, a predicted change to the value based on the updated enterprise data, and presenting, via a graphical user interface (GUI), a suggested action based on the predicted change.
There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
35.
DYNAMICALLY RENDERED INTERFACE ELEMENTS DURING ONLINE CHAT SESSIONS
There are provided systems and methods for dynamically rendered interface elements during online chat sessions. A user may engage in online communications with another user, such as a communication session between a customer and a customer representative or agent of a merchant. During this communication session, the agent may navigate to particular data on the agent's device, which may be desirable to provide to the customer. For example, the agent may view a particular item of interest to the customer. An application programming interface of the merchant may detect one or more actions or calls associated with this data and may dynamically provide an interface element to transmit data displayed on the agent's device to the customer's device during the communication session. The customer may view a dynamically rendered interface element that allows for processing data during the communication session with the agent.
There are provided systems and methods for monitoring device application usage for completion of checkout data processing. A computing device may be utilized to perform one or more actions while utilizing an application executable by the device, including a browser application or merchant application that allows a user to view an online marketplace and purchase items in a transaction. Prior to checkout and transaction processing, the device may be used to browse items, and items may be added to a shopping cart. However, the device may not finish electronic transaction processing for the items, for example, where the device does not enter transaction processing details and/or navigates away from the items or cart. A service provider may utilize past actions to determine whether the action indicates that the device is abandoning use of the application, including electronic transaction processing. If so, an incentive may be provided to continue use.
There are provided systems and methods for automated generation of conversational workflows for automation chatbots. A service provider, such as an electronic transaction processor for digital transactions, may provide self-service channels for assistance through chatbot and other automated computing processes. In order to facilitate deployment of new automated skills, a conversational workflow generator may be provided to internal users of the service provider that allows for automated construction of conversational workflows. The generator may process input REST endpoints, request and response parameters, and workflow diagram to generate Java classes and code. The generator may then connect to a conversational AI platform using the code, which may generate the conversational workflow through dialog and a dialog tree that is mapped to the workflow diagram. The conversational workflow may then be implemented in a chatbot to provide automated services through conversational dialog.
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
38.
GENERATING RULES FOR PREDICTING CHARACTERISTICS OF COMPUTER OPERATIONS
Techniques are disclosed that relate to generating a rule for performing predictions of a characteristic of computer operations. A computer system may receive historical data that describes executed computer operations, including variables associated with those executed computer operations, and user input specifying desired properties of the performed predictions. The computer system determines, for a given variable, bins having ranges specified using the variable. The bins may be formed such that, when the executed computer operations are grouped into the bins, a prevalence of the characteristic monotonically increases or decreases from bin to bin across a bin ordering that is based on the ranges. The computer system then determines one or more cutoffs for one or more of the variables based on the desired properties from user's inputs and the determined bins. The computer system generates the rule based on the one or more cutoffs and the one or more variables.
Techniques are disclosed that relate to generating a rule for performing predictions of a characteristic of computer operations. A computer system may receive historical data that describes executed computer operations, including variables associated with those executed computer operations, and user input specifying desired properties of the performed predictions. The computer system determines, for a given variable, bins having ranges specified using the variable. The bins may be formed such that, when the executed computer operations are grouped into the bins, a prevalence of the characteristic monotonically increases or decreases from bin to bin across a bin ordering that is based on the ranges. The computer system then determines one or more cutoffs for one or more of the variables based on the desired properties from user's inputs and the determined bins. The computer system generates the rule based on the one or more cutoffs and the one or more variables.
Systems and methods for identifying patterns in data including determining a set of first attributes for a first dataset corresponding to a plurality of vertices, performing a first join operation based on the set of first attributes, classifying the first dataset to a collection of buckets based on the set of first attributes, each respective bucket including one or more vertices of the plurality of vertices, determining, for a respective bucket, a set of second attributes, performing a second join operation on the set of second attributes to generate a second dataset, and determining a cluster based on applying a first threshold to the second dataset, the cluster including one or more respective vertices in the second dataset exceeding the first threshold. The first threshold corresponding to a minimum number of vertices within a distance parameter of a given vertex.
Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
H04L 67/1095 - Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
H04W 4/60 - Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
A payment service provider device determines that a first geolocation of a user device is within a predetermined proximity to a second geolocation associated with a merchant Point-Of-Sale (POS) device that is coupled to a network and provides, via the network to the merchant POS device, a communication that includes a user identifier associated with a user of the user device, such that the communication causes the user identifier to be displayed on a display device associated with the merchant POS device and the user is checked-in at a merchant location associated with the merchant POS and the second geolocation. The payment service provider device receives, via the network, a payment request that is associated with the user identifier, and then completes the payment request using a user account associated with the user identifier.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
43.
SYSTEMS AND METHODS FOR CONFIGURING AND TRAINING MACHINE LEARNING MODELS BASED ON INPUT VALUE CHARACTERISTICS
There are provided systems and methods for configuring and training a machine learning model based on data characteristics associated with input data usable for the machine learning model. First measures are derived for the machine learning model based the input data usable for the machine learning model. The first measures represent data characteristics associated with the input data. The first measures are compared against measures associated with other previously built machine learning models. Based on a comparison, a particular previously built machine learning model having data characteristics most similar to the data characteristics calculated for the machine learning model is selected. A machine learning model configuration setting and training parameters may be determined based on the particular previously built machine learning model. The machine learning model is configured and trained based on the configuration setting and training parameters.
There are provided systems and methods for sentence level dialogue summaries using unsupervised machine learning for keyword selection and scoring. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities. When utilizing these services, memoranda may be generated that includes text from different online interactions. To provide summarization and searching of the memoranda, the service provider may implement an unsupervised machine learning framework that utilizes machine learning models to perform text preprocessing, keyword extraction, and keyword weighting when ranking and outputting relevant keywords. Once extracted and ranked, the keywords may be used to provide different insights to the memoranda. The keywords may be selected based on domains and tasks and the framework may be made pluggable and customizable for different systems and search operations.
Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner. Additional apparatus, systems, and methods are disclosed.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A transaction processing method includes receiving data respective of an electronic transaction, the data including an account involved in the transaction and determining an entity graph according to the account. The entity graph includes a plurality of first-order connections, each including a primary node representative of the account, a secondary node representative of a secondary entity, and an edge from the primary node to the secondary node, and a plurality of second-order connections, each including one of the secondary nodes, a tertiary node representative of a tertiary entity, and an edge from the secondary node to the tertiary node. The method includes determining a weight associated with each first-order connection edge based on a quantity of second-order connections associated with the secondary node in the first-order connection, calculating a risk associated with the electronic transaction according to the respective weights, and processing the electronic transaction according to the calculated risk.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A method for storing data respective of a time series of electronic transactions respective of a user includes receiving a plurality of indications of data for a plurality of electronic transactions associated with a user, generating a plurality of tokens by generating, for each of the indications, a respective token, each token encoding a respective pointer to a storage location of the respective data, receiving a request for a time series of electronic transactions associated with the user, in response to the request, generating a time series of the plurality of electronic transactions by decoding the plurality of tokens and retrieving the plurality of data according to the pointers.
A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.
G06F 3/04842 - Selection of displayed objects or displayed text elements
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable software development kits (SDK); downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions; downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices, namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers. Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks. Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems.
50.
Evaluating User Status Via Natural Language Processing and Machine Learning
A request is received from a first user of a social interaction platform. The request is a request to acquire a status. In response to the receiving of the request, a database is accessed. The database contains first electronic data pertaining to previous interactions between the first user and other entities of the social interaction platform. The first electronic data is analyzed via one or more Natural Language Processing (NLP) techniques. A first result is obtained based on the analyzing. A machine learning process is executed based at least in part on the first result. Based on the executing of the machine learning process, a determination is made whether to grant or deny the request received from the first user.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems for content distribution and management are presented. A transaction flow for conducting different stages of a transaction is determined in response to a request for the transaction from an application executable at a user device. The transaction flow includes a sequence of content pages to be displayed within a graphical user interface (GUI) of the application over the different stages of the transaction. The content associated with a tagged UI element of at least one content page is identified. The content is validated for the tagged UI element of the at least one content page, based on a software and hardware configuration of the user device. The validated content is provided via a network to the application at the user device to be displayable with the tagged UI element on the at least one content page of the transaction flow during a corresponding stage of the transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable software development kits (SDK); downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions; downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices, namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers. Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks. Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
09 - Scientific and electric apparatus and instruments
Goods & Services
Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions
42 - Scientific, technological and industrial services, research and design
09 - Scientific and electric apparatus and instruments
Goods & Services
Providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data Magnetically encoded credit cards; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable software development kits (SDK); downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices; namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable software development kits (SDK); downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions; downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices, namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers. Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks. Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems.
56.
ESTABLISHING DIGITAL ACCOUNT USAGE IN DIGITAL WALLETS DURING CROSS-PLATFORM DATA PROCESSING
There are provided systems and methods for establishing digital account usage in digital wallets during cross-platform data processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may provide financing and installment loan payment services. Where the payment account may not be compatible with the protocols and procedures for use with the digital wallet, a specific identifier may be provisioned, and proxy data may be generated between the transaction processor's system and the digital wallet's system through exchanged calls and data. The identifier may imitate data used by the digital wallet and may also allow for tokenization and processing with token service providers on payment networks.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
57.
ESTABLISHING DIGITAL ACCOUNT USAGE IN DIGITAL WALLETS DURING CROSS-PLATFORM DATA PROCESSING
There are provided systems and methods for establishing digital account usage in digital wallets during cross-platform data processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may provide financing and installment loan payment services. Where the payment account may not be compatible with the protocols and procedures for use with the digital wallet, a specific identifier may be provisioned, and proxy data may be generated between the transaction processor's system and the digital wallet's system through exchanged calls and data. The identifier may imitate data used by the digital wallet and may also allow for tokenization and processing with token service providers on payment networks.
A system or a method may be provided that may detect a movement or activity of a user via the user's mobile and/or wearable devices. The system may adjust the display interface based on the user's detected movement or activity. When a user is very active (biking or jogging), the user may have very limited amount of time or attention to interact with a display interface. The movement or activity of the user may be detected by a motion detection device installed on the mobile device or on the wearable device. When the user is active, the display interface may adjust to enlarge the information to make it easier for the user to view, read, or interact with. The system may also select and display important information, without other peripheral information (less important information) when the user is active.
G06F 1/16 - Constructional details or arrangements
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0346 - Pointing devices displaced or positioned by the user; Accessories therefor with detection of the device orientation or free movement in a 3D space, e.g. 3D mice, 6-DOF [six degrees of freedom] pointers using gyroscopes, accelerometers or tilt-sensors
G06F 3/04845 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range for image manipulation, e.g. dragging, rotation, expansion or change of colour
G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06F 3/147 - Digital output to display device using display panels
59.
ESTABLISHING DIGITAL ACCOUNT USAGE IN DIGITAL WALLETS DURING CROSS-PLATFORM DATA PROCESSING
There are provided systems and methods for establishing digital account usage in digital wallets during cross-platform data processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may provide financing and installment loan payment services. Where the payment account may not be compatible with the protocols and procedures for use with the digital wallet, a specific identifier may be provisioned, and proxy data may be generated between the transaction processor's system and the digital wallet's system through exchanged calls and data. The identifier may imitate data used by the digital wallet and may also allow for tokenization and processing with token service providers on payment networks.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel. Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
61.
Methods And Systems For Transferring Unspent Transaction Output (Utxo) Tokens In A Blockchain Network
Mechanisms for efficiently transferring multiple unspent transaction output (UTXO) tokens in a blockchain network operating a UTXO-based token transaction model are disclosed herein. These methods allow for the use of less computer processing and network bandwidth resources in the transfer of blockchain items, particularly in blockchain schemes with lineage tracking mechanisms (e.g. as may allow for clawback of tokens). Some embodiments comprise generating a delegated account and transferring the UTXO tokens into the delegated account. The ownership of the delegated account can then be transferred to another use of the blockchain network in a single transaction, thereby avoiding the need to individually transfer the UTXO tokens and incur the memory and computational resource burden and costs associated with therewith.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
62.
SYSTEMS AND METHODS FOR DYNAMICALLY MODIFYING CONTENT OF A WEBSITE
Systems and methods for interfacing with a third-party website. In one embodiment, a computer system is configured to directly interface with a website via a webpage to change certain numerical values through the use of digital codes. The digital codes are applied to a data entry interface on the webpage, and the responses are monitored and transmitted back to a server system.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable software development kits (SDK); downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions; downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices, namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers. Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks. Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems.
Methods and systems are presented for providing a multi-modal machine learning model framework for using enriched data to improve the accuracy of a machine learning model in classifying transactions. Upon receiving a request to process a transaction associated with a purchase of an item, a classification system extracts text data associated with the transaction from the request. Based on the text data, the classification system retrieves additional data related to the item. The additional data is of different modality than the text data. The classification system may transform the text data and the additional data into respective vectors, and merge the vectors for use as input data for the machine learning model. Based on the merged vectors, the classification system obtains multiple classification scores from the machine learning model. The classification system then classifies the transaction based on the multiple classification scores, and processes the transaction according to the classification.
Techniques are disclosed for updating an incremental cache with merged features generated by merging new, incremental features with the existing features. After retrieving source data including attributes from a source database, a system identifies, based on a known set of historical attributes included in the source data, new attributes in the source data. Using feature algorithms, the system generates new features from the new attributes. The system retrieves existing features from the incremental cache storing existing features generated from historical attributes in the source data. Using aggregation procedures, the system merges the new features and the existing features generated based on the historical attributes. Using the merged features, the system updates the incremental cache. The disclosed techniques may advantageously decrease time to retrieve a set of features e.g., for machine learning relative to traditional techniques that recalculate features from an entire source dataset when new source data is released.
A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06F 21/33 - User authentication using certificates
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed relating to a delayed presentation of authentication challenge for users, such as in the context of a chat session. In various embodiments, a server system receives an indication of a request for service initiated by a user in a chat session within an application executed by a client device. The request for service involves an authentication of the user that is dependent on the authentication being successfully completed within a particular time period after the authentication is initiated. The server system delays the initiation of authentication for the request for service until a readiness condition is satisfied. The readiness condition includes the server system being available to process the request for service, as well as subsequently detecting engagement with the user relating to the request for service. In response to the readiness condition being satisfied, the server system initiates the authentication of the user.
Techniques are disclosed relating to monitoring network traffic of an embeddable browser displayed by an application executing on a mobile computing device. In some embodiments, a first layer of the application manipulates one or more user interface elements displayed in the embeddable browser. The first layer of the application then detects network requests made by one or more application programming interfaces (APIs) executed by the embeddable browser in response to the manipulating. In some embodiments, the first layer sends to a second layer of the application results of observing network requests. In some embodiments, the second layer of the application displays, in real-time, information corresponding to the results of observing network requests. The disclosed techniques for monitoring activity on an embeddable browser included in mobile applications despite mobile security restrictions may advantageously reduce or remove wait times associated with manipulating and observing content of the embeddable browser.
H04L 43/08 - Monitoring or testing based on specific metrics, e.g. QoS, energy consumption or environmental parameters
G06F 3/04842 - Selection of displayed objects or displayed text elements
G06F 9/451 - Execution arrangements for user interfaces
H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]
H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
69.
RISK DETERMINATION ENABLED CRYPTO CURRENCY TRANSACTION SYSTEM
Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/10 - Payment architectures specially adapted for home banking systems
Methods are disclosed for updating an incremental cache with merged features generated by merging new, incremental features with the existing features. After retrieving source data including attributes from a source database, a system identifies, based on a known set of historical attributes included in the source data, new attributes in the source data. Using feature algorithms, the system generates new features from the new attributes. The system retrieves existing features from the incremental cache storing existing features generated from historical attributes in the source data. Using aggregation procedures, the system merges the new features and the existing features generated based on the historical attributes. Using the merged features, the system updates the incremental cache. The disclosed techniques may advantageously decrease time to retrieve a set of features e.g., for machine learning relative to traditional techniques that recalculate features from an entire source dataset when new source data is released.
A search engine determines a number of pages to present to a user based on one or more of a variety of factors. The search engine may send the search results to a client machine, which may present a subset of the results along with a pagination control in a scrollable interface. The pagination control may present the number of pages determined by the search engine. The search engine may also determine a number of search results to present prior to the presentation of non-scrollable user interface (UI) elements based on the same or different factors. After the amount of scrolling exceeds a threshold, a non-scrollable UI element may be displayed. Additional thresholds may exist, such that additional non-scrollable UI elements are added as the user continues to scroll.
Methods and systems are presented for providing a semi-supervised machine learning framework for training a machine learning model using partly mislabeled training data sets. Using the semi-supervised machine learning framework, an iterative training process is performed on the machine learning model, wherein the training data is being adjusted continuously in each iteration for training the machine learning model. During each iteration, the machine learning model is evaluated based on its ability to identify training data that has been mislabeled. The labeling of identified mislabeled training data is corrected before feeding back to the machine learning model in the next training iteration.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Magnetically encoded credit cards; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable software development kits (SDK); downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices; namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers Providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
09 - Scientific and electric apparatus and instruments
Goods & Services
Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions
42 - Scientific, technological and industrial services, research and design
09 - Scientific and electric apparatus and instruments
Goods & Services
Providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data Magnetically encoded credit cards; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable software development kits (SDK); downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices; namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Advertising, marketing, and promotion services; promoting the goods of others, namely, providing information regarding discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the web sites of others; promoting the goods and services of others by providing a web site featuring links to the online retail web sites of others; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, optimization of payments for businesses; promoting the sale of goods and services of others by providing a website featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; promoting the sale of goods and services of others by providing interactive online applications featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing incentive award programs through issuance and processing of loyalty points for purchase of the goods and services of others; customer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of a program that allows participants to obtain and redeem points or awards for goods and/or services; reconciling financial transactions via a global computer network and wireless networks Downloadable software; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for the exchange of financial assets, currency and virtual currency; downloadable software for planning and coordinating the shipment and delivery of the goods of others; order fulfillment services; downloadable software for financial trading; downloadable software for currency conversion; downloadable application software for blockchain-based platforms, namely, software for accessing digital exchanges for trading digital currency and virtual items; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token transactions; downloadable software for use as an electronic digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for transfers of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens between parties; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable computer software and downloadable mobile application software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; downloadable and recorded computer software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; downloadable and recorded computer software used for point of sale transactions Financial services, financial services, namely, electronic funds transfer; clearing financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and reimbursement services for disputed transactions in the field of electronic payment purchases; credit services, namely, providing revolving credit account services; bill payments services; financial services, namely, money lending; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; financial services, namely, virtual currency, digital currency, stablecoin, and cryptocurrency transfer, trading, exchange, and payment processing services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; currency trading services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; processing of electronic wallet payments; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens, and utility tokens; currency exchange services; financial management in the field of digital assets; financial information services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing online non-downloadable software; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, validating, verifying, tracking, transferring, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain financial asset, digitized asset, digital token, crypto token and utility token payments, money transfers, and commodity transfers; providing temporary use of online non-downloadable software for use as an electronic wallet; providing temporary use of online non-downloadable software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable software for financial trading; providing temporary use of online non-downloadable software for use in operating currency exchanges; providing temporary use of online non-downloadable software for digital currency payment and exchange transactions; providing temporary use of online non-downloadable software for electronic funds transfer; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable financial risk management software for exchange market transactions in the fields of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for auditing financial transactions relating to digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accessing digital exchanges for trading digital currency and virtual items; providing temporary use of online non-downloadable software for planning and coordinating the shipment of the goods of others; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software featuring offers, deals, coupons, rebates, rewards, vouchers, price tracking, price notifications, price-comparison information, links to the retail websites of others, promotional materials, and discount information; providing temporary use of online non-downloadable software for fraud detection, fraud prevention, and fraud analytics; providing temporary use of online non-downloadable computer software for tracking and analyzing payment activity; providing temporary use of online non-downloadable software to prevent fraud, facilitate integration with loyalty and reward platforms to allow tracking of purchases and accrual of rewards, and enable merchants to embed checkouts in third party sites and applications to sell and take payments on third party platforms; data mining services; providing temporary use of online non-downloadable software for creating and managing a business and an online store, namely, inventory management, order processing, order tracking, fulfillment of orders, sales tracking, collection of sales data, and sales analytics; providing temporary use of online non-downloadable software used for processing point of sale transactions; design and development of computer software and payment processing technologies; services for the installation, maintenance, customization, and repair of computer software; technical support services, namely, diagnosing computer software problems
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Magnetically encoded credit cards; electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers; charging stands for chip card readers, credit card readers, payment card readers, and mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards; downloadable computer software, namely, internet browser extensions, plug-ins, and applications for use with electronic commerce transactions and product price monitoring; downloadable software development kits (SDK); downloadable and recorded computer software used to train and manage employees, record employee hours worked, and generate payroll processing; charging stands adapted for use with handheld digital electronic devices; namely, cell phones, MP3 players, personal digital assistants, point of sale terminals, chip card readers, credit card readers, payment card readers, and mobile card readers Providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; application Service Provider (ASP) featuring Application Programming Interface (API) software for payment collection, payment transactions, forwarding data and information processing; providing temporary use of online non-downloadable software for training and managing employees, recording employee hours worked, and generating payroll processing data
79.
Guided web crawler for automated identification and verification of webpage resources
There are provided systems and methods for a guided web crawler for automated identification and verification of webpage resources. A service provider, such as an online transaction processor, may provide a guided web crawler and/or resources for such crawler for execution by computing devices of users. Users may load different pluggable modules to the guided web crawler, which are associated with specific web crawling tasks. Web crawling tasks may correspond to identification and verification of webpage resources on a webpage, such as a location, placement, use of, and/or number of appearances of the resource. The web crawler may use code from the pluggable module being executed to parse and/or crawl webpage data for a webpage and identify requested resources. Thereafter, the guided web crawler may automate resources to use, display, and/or interact with the identified and verified resource.
A method according to the present disclosure may include receiving, from a user device, an update associated with a document, generating an update log event based on the update, appending metadata to the update log event, the metadata indicative of a property of the update, storing the update log event with at least one other log event to generate a plurality of log events, receiving an indication of a type of compression, labelling metadata of each of the plurality of log events based on the indicated type of compression, and compressing the plurality of log events based on the labels.
A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
Historical outlier data corresponding to a plurality of user accounts is accessed. The historical outlier data are extracted from historical outlier events, which may correspond to fraud trends or malicious activities. Based on the historical outlier data and using a minority oversampling technique, synthetic outlier data associated with the user accounts is generated. The synthetic outlier data mimics data associated with potential future outlier events that may be similar, but not identical, to any of the historical outlier events. The historical outlier data, at least a subset of the synthetic outlier data, and historical non-outlier data associated with the user accounts are combined into a unified dataset, which may be used to train a machine learning model. Based on the trained machine learning model, new data associated with the user accounts is classified as either outlier data or non-outlier data.
Historical outlier data corresponding to a plurality of user accounts is accessed. The historical outlier data are extracted from historical outlier events, which may correspond to fraud trends or malicious activities. Based on the historical outlier data and using a minority oversampling technique, synthetic outlier data associated with the user accounts is generated. The synthetic outlier data mimics data associated with potential future outlier events that may be similar, but not identical, to any of the historical outlier events. The historical outlier data, at least a subset of the synthetic outlier data, and historical non-outlier data associated with the user accounts are combined into a unified dataset, which may be used to train a machine learning model. Based on the trained machine learning model, new data associated with the user accounts is classified as either outlier data or non-outlier data.
Techniques are disclosed for detecting whether an entity associated with a node of a summary graph is suspicious by retrieving, from a graph database storing a network graph representing a plurality of electronic communications, a portion of the network graph that includes a set of target nodes. Based on the target nodes included in the portion of the network graph, the server system generates community graphs that includes at least a target node and nodes connected to the target node. The server system assigns, based on similarities between the community graphs, the community graphs to clusters and generates a closure graph for clusters, including combining two or more community graphs within respective clusters. Based on respective closure graphs, the server system performs preventative actions relative to entities represented by nodes included in respective closure graphs and connected to the target nodes.
Techniques are disclosed for detecting whether an entity associated with a node of a summary graph is suspicious by retrieving, from a graph database storing a network graph representing a plurality of electronic communications, a portion of the network graph that includes a set of target nodes. Based on the target nodes included in the portion of the network graph, the server system generates community graphs that includes at least a target node and nodes connected to the target node. The server system assigns, based on similarities between the community graphs, the community graphs to clusters and generates a closure graph for clusters, including combining two or more community graphs within respective clusters. Based on respective closure graphs, the server system performs preventative actions relative to entities represented by nodes included in respective closure graphs and connected to the target nodes.
A system includes a memory and a processor configured to execute computer instructions stored in the memory that when executed cause the system to perform operations. The operations include receiving transaction data associated with a transaction via a transaction component. The operations include incorporating at least a portion of the transaction data into a security process associated with challenge-response authentication of a data block for the transaction data. The data block includes cryptographic hash data for another data block in a blockchain associated with the data block. The operations include validating the data block associated with the blockchain based on the security process.
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
87.
MACHINE LEARNING MODEL FOR IMAGE FORGERY DETECTION
Techniques for predicting whether a submission includes a forged image. A computer system receives a submission from a user that includes an image and image metadata, such as an identifier for the user and a User-Agent string value. An image pixel embedding is generated from the image, and a profile embedding is generated from the image metadata. The image embedding is indicative of whether the image is similar to known image forgeries. The profile embedding is generated from a user activity embedding indicative of User-Agent values associated with the user identifier. The profile embedding is generated using a machine learning model that uses stored parameters to associate user activity, device information, and forgery groups. The profile embedding thus indicates whether the user is associated with known image forgeries. The image pixel embedding and profile embedding are then used by a neural network to output a forgery prediction.
Techniques are disclosed relating to automatically resolving an error in a user interaction with a user page without the user having to disengage from the user page to resolve the error. A monitoring agent may interface with the user page. The monitoring agent may provide an error signal to an error resolution module in response to detecting an error in the user interaction with the user page. The error resolution module may determine a causal factor for the error based on the error signal and contextual data at the time of the error. A resolution flow may be determined based on the causal factor. The resolution flow may be implemented by the monitoring agent contextually within the user page to resolve the error without the user disengaging from the user page.
There are provided systems and methods for a data integration framework that provides an institutional or organizational user data enrichment capability locally. Specifically, instead of relying on the fraud detection platform to constantly updating and/or building new data connectors to intake data from updated or a new data provider, an institutional user, such as a financial institution, may receive a software development kit (SDK) from the fraud detection platform, using which the institutional user may build its own data connector deployed at the institutional user.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems are presented for providing a framework for analyzing graphs that exhibit non-homophilous behavior. Under the framework, a structural analysis and a feature-based analysis will be performed on a sequence of graphs. When performing the feature-based analysis, various features are extracted from each node in the sequence of graphs, and clusters of nodes are identified from each graph based on the features. A set of evolving prototypes is generated to represent evolving characteristics of the clusters of nodes, and a set of persistent prototypes is generated to represent persistent characteristics of the clusters of nodes. Information derived from the structural analysis of the graphs, the set of evolving prototypes, and the set of persistent prototypes are embedded within the nodes of the graphs. The embedded information is then used to classify the nodes.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
91.
OPTIMIZING ALLOCATION OF GRAPHICAL PROCESSING UNIT (GPU) RESOURCES IN A PRODUCTION WORKSPACE
A first machine learning task having a first data size is executed via virtualized computing resource units in a research workspace. The first machine learning task is associated with the virtualized computing resource units and with an amount of execution time. A second machine learning task is executed in a production workspace having a plurality of physical computing resource units. The second machine learning task has a same algorithm as the first machine learning task and a second data size greater than the first data size. A subset of the physical computing resource units is allocated for the execution of the second machine learning task in the production workspace. The allocating is based on the virtualized computing resource units used during an execution of the first machine learning task in the research workspace and the amount of execution time of the first machine learning task in the research workspace.
Systems and/or techniques for facilitating image forgery detection via headpose estimation may include a system that can receive a document from a client device. The system can identify, by executing a first trained machine learning model, an object that is depicted in the document. The system can determine, by executing a second trained machine learning model, a pose of the object. The system can determine, by executing a third trained machine learning model, whether the document is authentic or forged based on the pose of the object. The system can, in response to determining that the document is forged, transmit an unsuccessful validation message to the client device.
Systems and methods for facilitating a purchase are described. A user logs in to a payment service provider site. The user provides authorization to use a one-page checkout service. The user's information is captured during the session, and a cookie is placed on the user's device. When the user goes on a merchant website and checks out using the payment service provider, the payment service provider detects the cookie on the user device. The payment service provider uses the cookie, and in one embodiment, centrally stored information, to populate the one-page checkout page with the last used payment. In various embodiments, the one-page checkout page also displays a shipping address.
Techniques are disclosed relating to a computer system identifying usage of a plurality of individual instances of a common computation task by a plurality of users of a networked service. These individual instances of the common computation task may generate a respective data set. Techniques also include creating, by the computer system, a global process to perform the common computation task. Execution of the global process may include generation of a global data set that includes at least portions of the respective data sets. Additionally, techniques include modifying, by the computer system, respective accounts of a subset of the plurality of users to use the global process in place of using a respective instance of the common computation task, as well as providing, by the computer system, the global data set generated by the global process to the respective accounts of the subset of users.
G06F 9/48 - Program initiating; Program switching, e.g. by interrupt
H04L 67/60 - Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources
95.
Semantic Search Architecture for Information Retrieval with Natural Language Queries
Techniques are disclosed relating to operating, by a computer system, a semantic search engine to retrieve records from a data store. The technique includes training, by the computer system using a plurality of training data sets that include queries and corresponding records, a retrieval model for use in the semantic search engine. The technique may further include generating, by the trained retrieval model, a particular output vector representing a received semantic search query, and generating, using the particular output vector, a respective similarity score for ones of candidate records identified in the data store. The trained retrieval model may send the particular output vector to a late interaction model, and the late interaction model may sort, using the particular output vector, candidate records with respective similarity scores that satisfy a threshold score.
There are provided systems and methods for a computational platform using machine learning for integration data sharing platforms. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items from a merchant. A service provider may provide a data feed to the user via integrated computational platforms that allows the user to post data including information regarding the processed transaction. The post may include a share code that links back to the user and their corresponding transaction. Thereafter, the post may be viewed by other users and the share code may be used by the other users in order to perform similar transaction processing, where these later transactions are linked back to the original user. Tracking of these later transactions may be done through application extensions that allow the computational platforms to track user data over different online interactions.
A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
98.
MULTI-LAYER ARTIFICIAL INTELLIGENCE MODELS FOR PROGRESSIVE PREDICTIONS DURING DATA PIPELINE MANAGEMENT
There are provided systems and methods for multi-layer artificial intelligence models for progressive predictions during data pipeline management. A service provider may provide AI functionalities, such as through a multi-layer ML model framework that employs multiple layers for different ML models that process different features. The features in one layer and ML model may process data for static features, where an output from this layer may be used as an input with data for dynamic feature that provide a predictive score or output for the input data. The static features may only be required to be processed once or a few times in the first layer and may not be required to be further processed again at later times. With the second layer, the data for the dynamic features may change, and thus the second layer may process new data without being required to reprocess the static features.
Techniques are disclosed relating to operating, by a computer system, a semantic search engine to retrieve records from a data store. The technique includes training, by the computer system using a plurality of training data sets that include queries and corresponding records, a retrieval model for use in the semantic search engine. The technique may further include generating, by the trained retrieval model, a particular output vector representing a received semantic search query, and generating, using the particular output vector, a respective similarity score for ones of candidate records identified in the data store. The trained retrieval model may send the particular output vector to a late interaction model, and the late interaction model may sort, using the particular output vector, candidate records with respective similarity scores that satisfy a threshold score.
Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.
