Items are identified from one or more catalogues and images of the items are obtained. A dynamically rendered Virtual Reality (VR) store is constructed from the images and from images of objects/structures associated with a store. The item images that populate the VR store can be customized to a given customer and/or a given store. A VR session is established with a customer within the VR store, the item images can be selected, examined, and purchased during the session by the customer as the customer navigates through the VR store. Specialized rooms during the VR session allow the customer to interact in real time with other customers shopping via other VR sessions. The customer and other customers are rendered as avatars within the specialized room. A designated avatar or automated chatbot provides automated and real time assistance to the customer during the VR session.
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
An import job associated with a data store update is inspected and schemas associated with target data tables that are to be updated with update data are analyzed. Referential integrity issues associated with foreign keys in the target tables are identified in the update data. The update data is broken into three portions, a first portion that is guaranteed to not have a referential integrity issue, a second portion this is known to have a referential integrity issue, and a third portion that cannot be determined at this stage of processing. The import job is modified to update the corresponding target tables with the first portion of the update data while the second and third portions are not updated to the target data base tables but a custom message is recorded in fields associated with the second and third portions that describes the issue for subsequent review/resolution.
An ultra-thin Self-Service Terminals (SSTs) is provided. The ultra-thin SST lacks an Operating System (OS). When the ultra-thin SST is powered on, firmware of the ultra-thin SST connects to a virtualized environment over a first network connection and a Virtual Machine (VM) instance having the OS is loaded within the virtualized environment. The OS of the VM instance obtains middleware services from a second network connection to a middleware environment. The middleware services provided authentication, management, and audit services for the VM instance based on the ultra-thin SST.
G06F 9/455 - EmulationInterpretationSoftware simulation, e.g. virtualisation or emulation of application or operating system execution engines
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
4.
IMAGE PROCESSING FOR DISTINGUISHING PRODUCE-RELATED CHARACTERISTICS AT CHECKOUT
At least one image of a produce item on a scale of a terminal is captured during a transaction at the terminal. A machine learning model provides a classification for the item based on the image. The classification indicates whether the item is bagged or unbagged. When the item is in a bag, a tare weight for the bag is subtracted from the weight recorded by the scale to calculate a price for the item. When the item is unbagged, the weight recorded by the scale is used to calculate the price. In an embodiment, the model provides a classification that indicates whether the item is organic or non-organic. When the item is organic, a transaction interface is automatically populated with an organic produce selection and presented to an operator of the terminal for confirmation.
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
Feature vectors derived from images of items are retained in a storage bank and indexed by price lookup (PLU) code. An image of an item and a corresponding entered PLU code during a transaction at a terminal are provided as input to a machine learning model and a current feature vector for the image is provided as output. Model feature vector(s) corresponding to the entered PLU code are obtained from the storage bank. The current feature vector and the model feature vectors are provided as input to a comparison machine learning model, which provides as output a confidence value indicative of a degree of similarity between the feature vectors. When the confidence value fails to meet a confidence threshold, this indicates a low confidence that the item is associated with the entered PLU code and an interrupt is sent to the terminal as an indication of potential shrinkage for the transaction.
G06T 5/40 - Image enhancement or restoration using histogram techniques
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersectionsConnectivity analysis, e.g. of connected components
G06V 10/74 - Image or video pattern matchingProximity measures in feature spaces
6.
Item Type Identification for Checkout Verification
During a transaction at a terminal, an operator of a terminal indicates that an item is a produce item. An image of the item is provided as input to a machine learning model which determines whether the item is a consumer packaged good (CPG) item type or a produce item (e.g., a non-CPG item type). When the model determines the item is a CPG item type, the transaction is suspended for an audit of the item.
One or more machine learning models are trained on financial institution (FI) specific customer and enterprise data to predict future transactions, churn likelihood, and a customer lifetime value (CLV) per customer of the FI over a given period of future time. In an embodiment, the CLV for the given period of future time is calculated and predicted using statistical and/or heuristic analysis based on predicted transactions provided by one or more models. The predicted transactions, churn likelihood, and CLV are provided through an Application Programming Interface (API) for integration into systems of the FI and/or accessible through a web-based interface and/or mobile application interface to users of the FI.
A base machine learning model (MLM) is trained to generate N-dimensional feature vectors from images of items per item code or category. A principal component analysis is processed on the N-dimensional feature vectors per item code to generate fewer reference vectors per item code, each reference vector includes fewer dimensions or features than the corresponding N-dimensional feature vectors. A similarity MLM is trained to receive an item code, corresponding reference vectors for the item code, and a current reduced dimensionality feature vector for a current image of an item associated with a transaction. The similarity MLM produces a similarity score or determines whether the current item is the same or similar to a reference item corresponding to the item code. When the current item is not the same or is dissimilar to the reference item, an alert or an interrupt is provided to audit the transaction for potential theft.
Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk. A kiosk agent on the kiosk directly or indirectly causes a link to be sent to a mobile device of the user. The link when activated on the mobile device providing an interface for transacting with the kiosk from the mobile device.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Item recognition of a given item is trained on a single item from different views. The item recognition is then trained on images of the given item partially occluded by a second item having same, similar, or different shapes and features to that of the given item. General features of the item are noted and used to detect the given item when the given item is presented with multiple different items having multiple different occluded views.
G06T 7/73 - Determining position or orientation of objects or cameras using feature-based methods
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersectionsConnectivity analysis, e.g. of connected components
G06V 10/56 - Extraction of image or video features relating to colour
G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
A culture is defined that spans multiple retailers. Transaction data from the multiple retailers are processed to map barcoded item codes to a culture item vector space. Any non-barcoded item for a given retailer associated with the culture is linked to a most similar barcoded item of that retailer based on a retailer-specific item vector space. The distances between the mapped barcoded item codes of the culture item vector space are processed to cluster the barcoded item codes into classifications within the culture vector space. Each retailer's non-barcoded items are associated to the classifications of the culture item vector space based on their linkages to the retailers' specific barcoded items, which are already mapped within the culture item vector space. Each item code of a given retailer's item catalogue is linked to its corresponding classification.
G06Q 30/0201 - Market modellingMarket analysisCollecting market data
G06F 16/28 - Databases characterised by their database models, e.g. relational or object models
G06F 16/955 - Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A principal successfully authenticates for a communication session with a target device. One or more Domain Specific Language (DSL) statements/records assigned to the principal are provided to the target device. The target device translates the DSL statements/records into code, which is executed on the target device to custom set security roles of the principal on the target device during the session. In an embodiment, the one or more DSL statements/records are provided to the target device as an optimized JavaScript® Object Notation (JSON) Web Token (JWT); a payload of the optimized JWT comprising the one or more DSL statements/records as a compressed and enhanced JSON object.
The various embodiments herein each include at least one of systems, methods, and software for presence aware terminals. Some such embodiments enable a user carrying a mobile device, such as a smartphone, tablet, smartwatch, or a handheld computing device having a radio device (e.g., BLUETOOTH® or Near-Field Communication (NFC)) to be automatically recognized at a terminal. One such embodiment is in the form of a method that executes on a terminal. This method includes transmitting a first signal encoded with data identifying a device-type and receiving a second signal encoded with data including an account identifier. The method may then present a user interface to facilitate user interaction with an account of the account identifier.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
A cloud hosting environment configuration interface is provided. Cloud-based services defined in the hosting environment are configured through cloud-based resources using the interface. Previously defined services and their resources can be recalled by reference within the interface and properties and settings for those resources custom modified as needed for a new hosted service. Cloud resources can be added and removed via the interface. In an embodiment, the interface is a Command Line Interface (CLI).
H04L 41/5041 - Network service management, e.g. ensuring proper service fulfilment according to agreements characterised by the time relationship between creation and deployment of a service
G06F 9/455 - EmulationInterpretationSoftware simulation, e.g. virtualisation or emulation of application or operating system execution engines
H04L 41/0806 - Configuration setting for initial configuration or provisioning, e.g. plug-and-play
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]
A root machine learning model receives an item image captured of an item at a terminal and produces output, which is associated with an item classification for the item. A head machine learning model is selected from a plurality of head models based on transaction information associated with a transaction at a terminal. A candidate item identifier is received from the terminal. The head model uses the candidate item identifier, the root model's output data, and localized metadata maintained for the head model to provide a predicted item identifier for the item. An actual item identifier for the item is received as feedback from the terminal. The localized metadata is updated with the root model's output data and the actual item identifier for the item based on the feedback.
A digital scale includes a lift apparatus configured to lift a top tray of the scale off weight sensors of the scale in order to prevent any potential damage and/or malfunction of the weight sensors due to excessive weight on the tray and/or due to a sudden drop of a heavy item onto the top tray. During a transaction at a terminal, an expected weight of a scanned item and/or a current weight of existing items on the tray is used to determine whether the tray is to be lifted off the sensors by the lift apparatus before the item is placed on the tray. Once the tray is lifted off the sensors and the scanned item is placed onto the top tray, the lift apparatus may slowly lower the tray back onto the weight sensors to enable a weight measurement of the item to be recorded.
A base transaction User Interface (UI) is provided that provides transaction processing for transactions at transaction terminals. The base UI can be customized through independent and decoupled customization/extension files, which provide specific UI customizations for UI screen content, UI screen styles, UI screen views, UI screen workflows, and UI screen resource functionality. Customizations or extensions are achieved without modifying the base UI. The customizations or extensions are dynamically obtained during execution of the base UI from the corresponding files and processed by the base UI as user-defined custom overrides.
A data processing system includes a first communication session participant device, a service orchestration controller, and a plurality of second communication session participant devices. Each of the second communication session participants has an attribute to perform a type of service task. The service orchestration controller receives a service request message from the first communication session participant device, determines a control message based on the service request message, retrieves technical capability parameters of each of the second communication session participant devices, selects an optimum second communication session participant device from the plurality of second communication session participant devices based on the technical capability parameters and based on the attributes, transmits the control message to the optimum second communication session participant device to process the service request, receives a service outcome message from the optimum second communication session participant device, and provides output data to the first communication session participant device.
H04L 67/53 - Network services using third party service providers
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A method, a computing system, and a computer program are disclosed. The method includes providing a first executable image file that includes first executable software associated with a graphical user interface application, executing the first executable image file as a first software container element that contains the first executable software and that is executable on one or more processors of a server that is remote from a computing device, transmitting display data associated with a graphical user interface to the computing device responsive to executing the first executable image file, and providing the graphical user interface on a display of the computing device.
An individual with an impairment or disability registers terminal accessibility preferences. The individual is provided a code that when scanned at a terminal causes the terminal to configure the transaction interface of the terminal to apply or enforce the individual's registered accessibility preferences in connection with a transaction on the terminal. The individual's registered accessibility preferences can be linked to a loyalty account of the individual such that when the individual initiates a transaction on a terminal and provides their loyalty identifier, the corresponding accessibility preferences are obtained from the loyalty account and applied and/or enforced on the transaction interface during the transaction.
A system and methods for fine-grain predictive guidance for item markdowns are provided. The predictive guidance indicates whether an item should or should not be marked down, a markdown level for any markdown, a total number of units for any markdown, a time duration for any markdown, a store location to place an item associated with the markdown, and a listing of customers who are likely to purchase a marked down item when provided a targeted promotion. The predictive guidance utilizes, as input, the output produced by multiple predictive services and weighs those respective outputs to optimize item markdown sales and overall sales of the store.
Transaction data, customer data, employee data, and security data are obtained for a store. Transactions associated with shrink events are identified and features are derived. The data is labeled and used to train a machine-learning model to produce, as output, scores for the features and combinations of the features, where each score represents a likelihood of shrink for a given feature or a given feature combination. The scores are mapped to a heatmap data structure that includes labels or icons for resources associated with the features and indicia such as colors that are indicative of the scores. The heatmap data structure is overlaid onto a map or a physical layout for the store to show locations of the resources within the store. The labels or icons are user-selectable within the heatmap and the indicia corresponding to a selected combination of icons is adjusted based on the combination's assigned score. Additionally, the heatmap is animated over time intervals corresponding to the operating hours of the store.
Transaction, customer, employee, security, and sales forecast data are obtained for a store. Known actions to prevent shrink events are maintained. Transactions associated with shrink events are identified and features are derived. The data is labeled and used to train a machine-learning model to produce, as output, scores for the features, combinations of the features, and prescriptive action identifiers. Each score represents a likelihood of shrink for a given feature or a given combination of features. The output scores and prescriptive action identifiers are predicted at intervals over a period of future time. At each interval, the output for remaining intervals is updated based on real-time store data generated for transactions at the store in a previous interval. An action identifier can be provided to a security application causing the application to increase sensitivity of security detection on a terminal based on the predicted likelihood of shrink.
G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisationPlanning actions based on goalsAnalysis or evaluation of effectiveness of goals
An identity of a customer within an establishment is authenticated using a variety of captured biometric features obtained from sensors and/or video. Video capturing movements/interactions of the customer is analyzed in real time to identify the customer's behavior and actions. Any staff of the establishment who interact with the customer are identified from the video. Transaction data and other data retained for the customer by the establishment are aggregated and linked with the video and the customer identity. The linked data is analyzed in combination with the customer behavior and actions to determine responses within the establishment to customer-initiated transactions. In an embodiment, the customer is authorized to perform at least one transaction within the establishment based on the authenticated identity and linked data without a presentation by the customer of an identification card, a Personal Identification Number (PIN), a password and/or verification by a staff member.
G06F 16/783 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Self-Service Terminals (SSTs) are enhanced to invoke remote online retailers' transaction systems. Remote transaction interfaces for the systems are hosted by remote servers and rendered on the SSTs. The remote interfaces notify the SSTs when payment is needed to complete transactions on the SSTs. The SSTs activate the appropriate payment peripherals of the SSTs and provide card data for card payments or verifications for cash payments back to the remote interfaces. When cash payments are received, the SSTs send the corresponding amounts and retailer identifiers for the retailers to a cloud-based reconciliation server. In an embodiment, the SSTs are located in a store associated with a retailer that is different from retailers associated with the remote interfaces. In an embodiment, the SSTs are standalone SSTs located outdoors.
Methods, server computers, and computer programs are disclosed. An example method is disclosed that includes inputting, into an update module, a first version of a predefined modular image file and a delta encoded image file defining differences between the first version and a second, updated, version of the predefined modular image file, and outputting, from the update module, the second, updated, version of the predefined modular image file, where each version of the predefined modular image file includes at least one layer defining executable instructions and is one of a plurality of predefined modular image files that can be assembled as an executable image file for execution as a software container element.
A vision-based self-checkout terminal is provided. Purchased items are placed on a base and multiple cameras take multiple images of each item placed on the base. A location for each item placed on the base is determined along with a depth and the dimensions of each item at its given location on the base. Each item's images are then cropped, and item recognition is performed for each item on that item's cropped images with that item's corresponding depth and dimension attributes. An item identifier for each item is obtained along with a corresponding price and a transaction associated with items are completed.
A47F 9/04 - Check-out counters, e.g. for self-service stores
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
G06T 7/73 - Determining position or orientation of objects or cameras using feature-based methods
G06V 10/40 - Extraction of image or video features
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/80 - Fusion, i.e. combining data from various sources at the sensor level, preprocessing level, feature extraction level or classification level
When a consumer checkouts out, the transaction interface presents a buy now pay later option selected by the consumer for payment of a transaction. Consumer information is collected through the interface and a registered financial institution (FI) is presented the transaction details and information for servicing a loan. Terms are provided from the FI and presented to the consumer through the interface. Acceptance by the consumer causes a smart contract with the terms and parties of the loan to be generated in a blockchain (BC) and payment processed by the BC by transferring funds from a FI wallet to a retailer wallet associated with the transaction.
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 credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A payment code is generated for a transaction. The payment code includes a substring of information that identifies the code as a payment token for a frictionless payment of the transaction. The substring of information includes a payment token identifier that identifies the payment code as being representative of a payment request. The substring of information, when captured in an image taken of a transaction area for the transaction or when scanned, causes the terminal to enter a payment state during which payment details are obtained from the payment code and a payment service is contacted with the payment details based on the payment type. The terminal processes a frictionless payment for the transaction through the payment service to complete the transaction.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A donation workflow with donation screens is integrated into a transaction workflow of a transaction terminal. The donation workflow is independent and separate from the transaction workflow. When a customer enters a donation into a donation entry screen, an agent on the terminal provides the donation amount to a transaction manager of the terminal. The donation amount is added as a line item to the transaction total. After payment, the fiat currency associated with the donation amount is used to purchase an equivalent amount in cryptocurrency over a blockchain and held in a store wallet of a store. The equivalent amount in cryptocurrency is subsequently transferred over the blockchain from the store wallet to a charity's wallet associated with the charity that is to receive the donation amount from the customer.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment 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
A system and method for performing a financial transaction are disclosed. An application running on a first server requests a financial transaction secured by collateral of a first party in the form of digital currency. The application generates a semantic ASK message encoded with parameters defining the requested financial transaction. The semantic ASK message is sent to one or more second parties via a decentralized web node thereof. A BID message is received from at least one of the one or more second parties defining proposed terms for the requested financial transaction. Credentials for the first party are forwarded from a decentralized web node of the first party, the credentials defined in the BID message. Access is provided to the collateral of the first party to the second party upon receipt of confirmation of the financial transaction from the second party.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A user makes a request from a requesting device for access to a secure operation associated with a network-based service. A first biometric authentication is processed for the request and at least one second scope-based authentication is processed for the request based on an analysis of a physical environment for the requesting device. A determination is made based on at least the first biometric authentication and the scope-based authentication whether the secure operation can be: processed on behalf of the user by the network-based service, not processed at all, or processed only if requested from a specific medium/channel associated with a specific device, which may or may not be the requesting device.
An interface is rendered on a user-operated device. Selections are made with respect to a first set of options by the user operating the interface. A list of potential food dishes for further selection by the user is presented within the interface based on the selections. A food dish selection is received from the user through the interface. A recipe for the selected food dish is generated and presented within the interface based on the food dish selection and a list of ingredients needed for the recipe are generated as a shopping list for the user to obtain at a store. In an embodiment, a navigation route to obtain the ingredients within the store is provided to the user when the user is at the store, allowing the user to traverse the route within the store and obtain each of the ingredients.
A system and method for generating a context-based user trust score is disclosed. A user requests, via a user application running on a personal device, access to a premium service. The premium service is related to a particular market segment. The user then grants, via the user application running on the personal device, access to a subset of personally identifiable information stored on a decentralized web node of a user. The subset of personally identifiable information is related to the particular market segment. A trust score application programming interface running on a processor accesses the subset of personally identifiable information on the decentralized web node of the user and calculates a context-based user trust score based thereon. The trust score application programming interface running on the processor then provides the calculated context-based user trust score, which is preferably a verifiable credential, to the decentralized web node of the user.
Transaction integration services are provided that receive transaction data for transactions from one or more parties to the transactions in a variety of data formats. The services process customizable workflows based on the parties, enhance security of the transactions, and extend capabilities to the transactions beyond that which is available through legacy transaction services. The services integrate portions of received transaction data with the existing and legacy transaction services using legacy interfaces to complete the transactions on legacy resources associated with the transactions. The enhanced security and extended capabilities for the transactions are seamlessly and transparently processed without requiring any modifications to source code and existing transaction workflows associated with the legacy transaction services.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
A method, a computing device and a computer program is disclosed. The method comprises providing, at a computing device, at least one first executable image file comprising first executable software associated with a graphical user interface application; and executing the first executable image file as at least one first software container element that contains the first executable software and that is executable on one or more processors of the computing device; and responsive to executing the first executable image file, providing a first graphical user interface on a display of the computing device.
A first host device housing is provided with a host device and first peripherals. The host device includes a motherboard and an upper core Input/Output (I/O) control board connected to the motherboard within the host device housing. A non-host device housing includes second peripherals and a lower core I/O control board. The host device housing is removably attachable to the non-host device housing to form a modular terminal. The second peripherals are interfaced to the host device through a cable that connects the lower core I/O control board to the upper core I/O control board. Combinations of the host device housing and a selected non-host device housing form different configurations of a modular terminal. Features available to a given configuration of the modular terminal are driven by the first peripherals and the second peripherals.
A user interface of a terminal is enhanced to provide a screen depicting suggested items for purchasing by a customer before completing a transaction at the terminal. The suggested items can include items likely to have been forgotten by the customer based on the current basket of items in the transaction and/or items that are otherwise related to the current basket of items. Any suggested item selected by the customer for adding to the transaction is communicated to a server. The server maintains a data structure for transactions that require items to be picked up and current statuses for item picking transactions. Store-operated devices allow in-store pickers to select items that need to be picked from the store for the transactions identified in the data structure. When a picker acquires the items from store shelves, the items are delivered to a designated area of the store and the customer retrieves the items from that area.
Item vectors representing transaction contexts for items are mapped to multidimensional space. A request is received for an alternative to a given item from a resource. The multidimensional space is evaluated to identify closest candidate items to the given item based on the corresponding item vectors. An optimal candidate item is selected from the candidate items based on the request. The association between the given item and the optimal candidate item is injected within a process workflow associated with the resource.
G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisationPlanning actions based on goalsAnalysis or evaluation of effectiveness of goals
G06Q 30/0201 - Market modellingMarket analysisCollecting market data
A method of encoding a transaction flow is described. The method comprises: receiving information from a user about a transaction type to be executed; creating a transaction flow comprising a sequence of states, where at least some states include text to be displayed and inputs to be enabled for that state; and encoding the transaction flow into a machine-readable code.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A legacy resource is virtualized as a virtualized resource defined by features and capabilities set by an individual through a front-end user interface. Access rules are set on the virtualized resource based on the features and capabilities. When an access is requested to the virtualized resource, the corresponding access rules are enforced. Assuming there is no violation in the access rules, virtualized legacy resource services are overlaid on legacy resource services to cause the legacy resource services to perform any needed access operations on the corresponding legacy resource associated with the virtualized resource without changing any workflows processed by the legacy resource services.
A system and method are disclosed for identifying item locations via crowd-sourced information. The system includes a server having a processor and a non-transitory computer-readable storage medium. The server is coupled to a mobile shopping application on a mobile device of a user. The processor performs a series of operations constituting the following method. The user of the mobile shopping application on the mobile device is selectively requested to locate an item in a retail store via the mobile shopping application. The user is directed to an expected location of the item via the mobile shopping application. Confirmation is received from the user that the item has been located via the mobile shopping application. The precise location of the item is captured in conjunction with the mobile shopping application. An item location database is updated to include the captured precise location of the item.
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Providing temporary use of on-line non- downloadable cloud computing software for use in the field of restaurant management and enabling point of sale transactions.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of on-line non-downloadable cloud computing software for use in the field of restaurant management and enabling point of sale transactions.
A virtualized transaction terminal platform is provided. A transaction terminal is configured as a thin-client terminal. A virtualized transaction terminal (Virtual Machine (VM)) is instantiated remotely on a cloud or a server over a network connection. Peripherals connected to the thin-client terminal are mapped to virtual peripheral device drivers on the cloud or the server. Physical peripherals connected to the thin-client terminal are mapped inside the VM to the corresponding virtual peripheral device drivers. As transactions are initiated and physical peripherals are operated at the thin-client terminal, the transactions are processed by the VM and inputs/outputs from the physical peripherals are forwarded for processing by the corresponding virtual peripheral device drivers. A remote desktop (RD) agent on the thin-client terminal keeps states of the VM and virtual peripheral device drivers in synchronization with a peripheral display of the thin-client terminal.
A viewing height of a rendered transaction interface screen on a transaction display is controlled by or automatically adjusted for a customer performing a transaction at a transaction terminal. The display can physically be raised and lowered along a post to achieve a desired viewing height or only a portion of the viewable surface area for the display is occupied by a transaction interface screen for the transaction with the location of the portion controlled by or auto adjusted on behalf of the customer. In an embodiment, another portion of the viewable surface area not currently occupied by the transaction interface screen can be used to render additional information such as advertisements and the advertisement portions can be dynamically changed based on changes made to the location of the transaction interface screen.
G09G 5/00 - Control arrangements or circuits for visual indicators common to cathode-ray tube indicators and other visual indicators
G06F 3/02 - Input arrangements using manually operated switches, e.g. using keyboards 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
H04N 5/655 - Construction or mounting of chassis, e.g. for varying the elevation of the tube
47.
TRANSACTION GUIDANCE FOR SELF-SERVICE TERMINALS (SSTS)
States of a current transaction are monitored at a terminal. The transaction states are mapped to guidance data and the guidance data is dynamically projected onto a surface that is adjacent to a peripheral of the terminal or dynamically rendered on a display situated on the surface. The guidance data corresponds to an action that an operator of the terminal is expected to take or refrain from taking with respect to the peripheral in order to facilitate progression of the transaction at the terminal. The presentation of the guidance data at the surface provides proximity-based and context-based feedback to the operator during the transaction.
Cameras capture images of customers queued for in-store orders at stores. The images are processed to count a total number of customers in the queues at each store. Concurrently, an online and unfulfilled total order count for each store is obtained. When an online order is placed by a customer through an order application, the stores are filtered to identify candidate stores within a configured distance of a current location of the customer. The current and up-to-date counts for the in-store queues and online orders are evaluated to select a store from the candidate stores that is capable of fulfilling the order in the shortest amount of time. The order is routed to and placed with the selected store on behalf of the customer.
Item codes are mapped to multidimensional space as item vectors based on each item codes context relevant to other item codes in a product catalogue. A transaction history for a given customer is obtained and each item vector associated with a corresponding item purchase made by that customer is obtained. All item vectors per customer are summed to create an aggregated and single vector representing the purchase history of each customer. The aggregated customer-item vectors for the customers are plotted in the multidimensional space. The plotted customer-item vectors are then clustered into groupings based on their distances from one another in the multidimensional space; the groupings representing data-driven customer segments. The data-driven customer segments along with customer identifiers for the customers comprising each segment are provided as input to promotional engines and/or loyalty systems.
G06Q 30/0201 - Market modellingMarket analysisCollecting market data
G06F 18/23213 - Non-hierarchical techniques using statistics or function optimisation, e.g. modelling of probability density functions with fixed number of clusters, e.g. K-means clustering
Inter-microservice communications are managed through in-memory connection routing. A sending microservice writes a message over a port associated with the connection. The message is routed directly to one or more receiving microservices associated with the connection over their ports associated with the connection. The message may be converted to a different format or multiple different formats through plugins processed when the message is received over the sending microservice's port and before the converting messages are routed over the receiving microservices' ports. The inter-microservice communications are hardware and platform independent or agnostic, such that the microservices associated with the connection can be processed on different hardware and different platforms from one another.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A network-based service is provided that utilizes a machine learning model (MLM) trained on a variety of data from disparate systems of a retailer to generate predictive guidance/parameters for a price markdown process. The predictive guidance includes a markdown prediction that indicates whether an item should or should not be marked down. For an item designated for markdown, the MLM also generates markdown parameters including a markdown level for the item and a quantity of the item to be marked down. The predictions of the MLM are optimized to reduce item shrink, reduce item spoilage, increase item sales, and increase item margins. The service can be integrated into existing retailer systems and services to provide optimal markdown instructions for perishable items that are data-driven and objective.
Cameras capture images of vehicles and customers in drive-through lanes of a store. The images are processed to identify a type of vehicle, if any, and determine whether a given customer is in a proper lane associated with cars or a proper lane associated with walkups or non cars. Customers in improper lanes are instructed to move to the proper lane to place an order. The images are further processed to generate a written description of the vehicle, if any, and a written description of the customer. The written description is linked to the customer's order and is accessible to store staff for verification when collecting payment for the order and when providing the ordered items to the customer.
A display includes two-integrated cameras. A first camera is situated in a top right corner of a front display surface of the display and a second camera is situated in a top left corner of the front display surface. The display is connected to a transaction terminal with the first camera focused on a bagging area associated with the transaction terminal and with the second camera focused on a staging area associated with the transaction terminal. Each camera captures images of items and the item images are streamed over a high-speed display port directly to the transaction terminal. The transaction terminal performs item recognition, item tracking, and auditing on the items based the item images during transaction processing at the transaction terminal.
H04N 23/45 - Cameras or camera modules comprising electronic image sensorsControl thereof for generating image signals from two or more image sensors being of different type or operating in different modes, e.g. with a CMOS sensor for moving images in combination with a charge-coupled device [CCD] for still images
A system and method of data extraction is disclosed. An image file of a scan of a printed information list is received at a server via a network connection. When not in portable document format, the received image file is processed with an optical character recognition (OCR) engine at the server to identify all text therein and then the processed image file is stored in a memory. When in portable document format, the image file is processed using metadata and positional data at the server to generate sentences; process the sentences to identify prices, descriptions, items, and categories; link each identified item to an associated price, description, and category; and extract and link all modifiers from identified description, and then all identified and extracted information is stored in memory. A user interface is provided to a user via the server for graphically visualizing and editing a stored processed file.
A customer is enrolled for facial recognition that links the customer's face to their loyalty identifier for their loyalty account with a loyalty system of a store. Enrollment occurs during a first transaction at a transaction terminal. For subsequent transactions at the terminal or other terminals, an image of the customer's face is captured, the image is mapped to the customer's enrolled loyalty identifier, and the loyalty identifier is injected into the transaction workflows causing the subsequent transactions to be personalized for the customer based on the customers loyalty details and causing the transaction details for the subsequent transactions to be associated with the customer's loyalty account. Loyalty is integrated into the subsequent transactions of the customer in a frictionless and contactless manner that requires no affirmative actions by the customer.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Methods, computing devices and computer programs are disclosed. A method comprises assembling an executable image file, for execution as a software container element, from a plurality of predefined modular image files, each predefined modular image file comprising at least one layer defining executable instructions.
A method, a computing device and a computer program is disclosed. A method comprises receiving, from a module comprising first executable software that is executable on one or more processors of a computing device, first data indicative of at least one class of peripheral device connectable to the computing device, whereby each class is associated with a plurality of predetermined peripheral devices and providing a software container element that contains second executable software that is executable on said one or more processors of the computing device, whereby the software container element is associated with peripheral device connection data that enables the software container element to have access to and communicate with each peripheral device of the plurality of predetermined peripheral devices associated with each class.
A method, a computing device and a computer program is disclosed. A method comprises, by at least one software container element that contains executable software that is executable on one or more processors of a computing device, receiving, from a kernel of the computing device, first data that is indicative of at least one active driver installed on the kernel, comparing the first data with second data that is indicative of at least one predetermined target driver that should be installed on the kernel, and responsive to the comparing, determining if at least one of the predetermined target drivers is not installed on the kernel.
An Application Programming Interface (API) is provided for interaction between a User Interface (UI) of a device and microservices provided from a cloud processing environment. The API provides a single device-type independent backend to the frontends of the microservices. The UI defines the data types and specific data that it needs for processing from a given microservice. The backend calls the appropriate microservice through the corresponding frontend of the microservice. The microservice may engage other microservices resulting in output being returned to the backend. The backend provides only the output associated with the data types and the specific data back to the UI.
An Augmented Reality (AR) wayfinder tracks the current location of a user within an indoor location relative to a path defined through the indoor location for the user. The path is broken into segments, each segment is a straight line between two nodes, and each node represents either a starting point in the path, a turn along the path, or an ending point in the path. As the user traverses the path, a remaining distance between the user device and the next node in the path is calculated. An AR object with attributes that correlate to the remaining distance to the next node is blended into and superimposed into a video that the user is viewing through the user device of the physical environment as the user travels along the path.
A host device is included within a housing of a first peripheral; the host devices includes an internal connection within the housing to the first peripheral. Each composited integrated peripheral device includes two or more second peripherals. A combination of the host device, the composite integrated peripheral devices, standalone peripheral devices, and accessory modules is identified. Housings associated with the combination are attached to, placed on, or placed adjacent to one or more of the accessory modules of the combination. In an embodiment, accessory modules are arranged in a layout that defines a clearance area for custom access and the corresponding peripherals of the combination are connected to the host device. The host device processes self-service transactions for customers with disabilities using the corresponding peripherals and the accessory modules within the layout.
Various embodiments herein relate data privacy, in particular systems and method of encrypting transaction data. One example method includes receiving, within processing of a transaction, an encryption data element from customer at a point-of-sale (POS) terminal and encrypting a digital receipt of the transaction with the encryption data element. This method then proceeds by storing the encrypted digital receipt to a network storage location from which the electronic receipt image is accessible, directly or indirectly, for later retrieval by the customer.
During startup or boot of a device, software or firmware associated with a processor and/or microcontroller of the device slow walks the handover of control to critical initialization or steady-state functions to account for any instability due to an electrical transient that may cause the processor and/or microcontroller to perform erratically or non-deterministically during startup or boot. The wait time associated with the slow-walk handover of control is optimized to ensure that no instability due to transients is present when the wait time expires. In an embodiment, after the wait time expires, firmware/software associated with the bootloader and/or Basic Input/Output System (BIOS) may further continuously calculate a checksum value for the corresponding target software/firmware and compare the calculated value against an expected checksum value. When the calculated checksum matches the expected checksum, remaining portions of the firmware/software for the bootloader and/or BIOS are given control.
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
A machine-learning model (MLM) is trained to identify a given item identifier for an item and shelf dimensions of an empty space associated with the item from training images of a shelf. After training, real-time images of the shelf are provided as input to the MLM and the output provided by the MLM includes empty space identifiers, dimensions or pixel coordinates for each empty space identifier, and an item identifier for each empty space identifier. A quantity of each item identifier is determined based on known shelf dimensions that the corresponding item should occupy on a fully stocked shelf and based on the corresponding empty space dimensions for the empty space associated with the item. A real-time report is sent to store personnel and/or published on a website monitored by the store personnel. The report identifies the items, the shelves, and restocking item quantities that need restocked in the store.
A host device includes surface mount conductive pads on a printed circuit board (PCB) for external peripheral communications. Conductive ink is printed on the conductive pads with a base member is printed over the conductive ink. Three-dimensional (3D) conductive wires are printed on the base member and extend along a housing to a new external port. Conductive ink is printed with a second base member and terminating ends of the wires are printed on the front of the base member establishing the new peripheral port for the host device. A peripheral device includes its own surface mount conductive pads which when aligned and brought into contact with the external port of the host device permits the host device and the peripheral device to establish a wired connection with one another without cables, without cable harnesses, and without port connectors.
H05K 1/09 - Use of materials for the metallic pattern
H05K 1/11 - Printed elements for providing electric connections to or between printed circuits
H05K 1/14 - Structural association of two or more printed circuits
H05K 1/18 - Printed circuits structurally associated with non-printed electric components
H05K 3/12 - Apparatus or processes for manufacturing printed circuits in which conductive material is applied to the insulating support in such a manner as to form the desired conductive pattern using printing techniques to apply the conductive material
67.
METHODS AND A SYSTEM FOR MANAGING AND INTEGRATING NON-FUNGIBLE TOKENS (NFTS)
A cloud-based service is provided that receives conditions for obtaining an object of value from an enterprise. A blockchain-based media of value is created on a blockchain for the object of value. A smart contract is generated an initiated on the blockchain to enforce the conditions with control over the blockchain-based media of value. When a customer provides actions or information that satisfies the conditions to the smart contract the smart contract returns the blockchain-based media of value to a customer wallet. The customer exchanges the blockchain-based media of value for the object of value from the enterprise. In an embodiment, the blockchain-based media of value is a non-fungible token (NFT).
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
68.
SECONDARY DISPLAY TO A PRIMARY DISPLAY WITH AN ANIMATED FEEDBACK INTERFACE
A terminal with two separate displays is provided. The primary display is controlled by a transaction interface for performing transactions. The secondary display is controlled by an animation interface for rendering animations on the secondary display. An agent provides state transitions in the transaction interface to the animation interface and the animation interface transitions the animations rendered on the secondary display based on state changes reported by the agent. The animations rendered on the secondary display provide guidance, positive, and negative feedback to a consumer performing a transaction on the terminal through the transaction interface.
Three-dimensional (3D) model images for menu item are maintained in a content delivery network (CDN) along with codes. The codes are printed/affixed to menus adjacent to the menu items. The menus include an anchor object that is sized in proportion to plates that serve the menu items. A user operates an augmented reality (AR)-enabled application (app) and uses a gesture to identify a code associated with a menu item from a menu. The code is decoded to contact the CDN and obtain the 3D model image corresponding to the menu item. The user centers a view-finder over the anchor object on the menu and the 3D model image is rendered on the anchor object in a scaled size and a scaled proportion for what will be provided to the user. The user may spin the 3D model to inspect proportions and ingredients of the menu item through the app.
A transaction is initiated between a first party and a second party. Transaction data for the transaction is obtained and segmented into a subset provided by the first party and a subset provided by the second party. Each subset is further segmented into portions. Each portion is assigned for transmission to a particular one of the parties. A determination is made as to whether each portion is to be encoded in a data structure, a sequence of data structures, or not encoded at all and an optimal channel of communication or multiple channels of communication are selected for transmitting the corresponding portion directly to the corresponding party. At least a portion of the transaction data is provided to a cloud-based transaction service that completes the transaction on behalf of the parties.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
An invoice-centric, payee-centric, and/or payer-payee neutral transaction service is provided. Subsets of the transaction data for the transaction can be received separately from the parties to the transaction. The subsets of transaction data are linked to the transaction and containerized within a hierarchy. Each container within the hierarchy can include its own separate and independent encryption, encoding, and/or access rights. An invoice associated with the transaction is presented to a payer for approval before the transaction is processed, and upon payer approval, the transaction is processed on behalf of the parties using one or more selected containers from the hierarchy. Both the payee and payer may be notified when the transaction is completed.
G06Q 20/14 - Payment architectures specially adapted for billing systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
Account-based resource management is provided. A resource is modeled within a resource data model. Attributes on fields of the data model are custom set by an owner who controls the resource. Access rules are assigned based on the attributes set on the fields. The corresponding rules associated with a given access request on the resource are enforced to ensure proper security during the access request. In an embodiment, a service is provided that performs a workflow for a given type of access request on behalf of the owner and at least one other party that is requesting access to the resource.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
During pairing between a connecting device and a server, cryptographic information of the connecting device is mapped to symbols and displayed, in a random sequence, on the connecting device. An operator, who is authorizing the connecting device to establish a trusted connection to the server, is provided the symbols in a different sequence from the random sequence. The operator is asked to put the symbols into the random sequence, a candidate validation code is generated from the operator-provided sequence and confirmed by the connecting device when an actual validation code generated by the connecting device for the random sequence matches the candidate validation code. The entropy/effort entered by operator is smaller than entropy of the underlying cryptographic information, but the full extent of the underlying cryptographic information is reliably verified by the operator action.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 29/06 - Communication control; Communication processing characterised by a protocol
75.
Integrated environment monitor for distributed resources
Resource metrics are obtained for resources from distributed resources associated with operations of an enterprise. Metric types from the distributed resources defined in the metrics are grouped and aggregated into aggregated metric types within a data model. Each aggregated metric type data value of the data model is weighed. The weighted aggregated data values are used to calculate an overall service health value of the enterprise. A current instance of the data model is processed to render one or more single views within an interface to a user of the enterprise. Each single view includes the overall service health value along with a custom-level of detail for each aggregated metric type and the corresponding aggregated metric data values.
Multiple types of machine learning models (MLMs) are trained on training data to provide predictions of terminal failures. The MLMs are tested on testing data and prediction scores are calculated for the MLMs based on the testing. An MLM having a highest prediction score is selected and deployed to a production environment for a current period of time to provide predictions of terminal failures. Current terminal data is provided as input to the deployed MLM, and the MLM's predictions are provided to an interface, system, or service of the production environment. The current terminal data is also provided to the non-selected MLMs, which generate candidate predictions during the current period of time. At the end of the current period of time, prediction scores of the selected and non-selected MLMs are calculated. A next MLM is selected for a next period of time for deployment based on the prediction scores.
36 - Financial, insurance and real estate services
Goods & Services
automatic teller machine services, namely, electronic remote cash disbursement and cash and check deposit services; consulting services related to all of the aforesaid services
A transaction terminal captures at least one image of a customer during a checkout and the customer is asked to place a photo identification card in view of the camera where a second image is captured of the card. The second image is converted to text and various components of the card are validated. Any hologram on the card is verified from the second image. The photo on the card is compared to facial features in the customer image and a determination is made as to whether the customer's identification can or cannot be verified. When verified, a message is sent to an attendant's device with the determination that the customer and card were verified along with the customer image and card image. The attendant is asked to confirm the verification and when confirmed the terminal resumes processing the checkout on behalf of the customer.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, including, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software; computer software, including, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines and interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash unusable; electronic devices that inhibit removal of automated teller machines; electronic devices that inhibit breach of automated teller machine safes; GPS monitoring devices that report automated teller machine locations; Self-service terminals, including automated teller machines and interactive teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, including, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial, crypto-currency, including, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Inventory and asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines. Self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, including, processing and transmission of bill payment data; cash management services; Financial services for self-service terminals, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, including, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, including, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing sself-service terminal services in the nature of automated teller machines and interactive automatic teller machines services; consulting services related to all the aforesaid services. Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines. Educational services, including, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Consultation in the field of computers, including, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services; software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services; maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services.
81.
CLOUD-BASED SYSTEM AND METHOD FOR DYNAMIC INCIDENT MANAGEMENT USING MACHINE LEARNING OPERATIONS
A dynamic incident management system and method receives and stores business customer sales information. This information includes information about sales by day and time of day for a period of time at each business location. A machine learning model is generated for forecasting revenue for each business location based on the received information. A plurality of work orders are received for service calls to certain business customer sales locations. A priority is assigned to each of the received work orders. A rank is assigned to each of the received work orders having a common priority, based on, at least in part, a revenue forecast provided the machine learning module of sales at a projected day and time for the service call. Updated work orders having the priority and rank information are supplied to an incident management supplier for performing the associated service calls based on the priority and rank information.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software, computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines and interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash un-useable, electronic devices that inhibit removal of automated teller machines, electronic devices that inhibit breach of automated teller machine safes, and GPS monitoring devices that report automated teller machine locations. Self-service terminals, including automated teller machines and interactive teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, namely, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial, crypto-currency, namely, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers.
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services (1) Inventory and asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines
(2) Financial services for self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, namely, processing and transmission of bill payment data; cash management services; self-service terminal, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, namely, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, namely, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing self-service terminal, including automated teller machine and interactive teller machine, banking services and related banking consultation and advisory services; consulting services related to all the aforesaid services
(3) Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services
Video of customer faces during checkouts are captured in real time and analyzed to assign identifiers for expressions of the customers. Simultaneously, transaction data and events being raised for the checkouts are correlated based on time stamps with the expression identifiers. A collection of data captured for the correlated transaction data, events, and identifiers are processed by a machine-learning algorithm to identify clusters and/or patterns between the expression identifiers and specific transaction events. The clusters are mined and reported to a retailer for identifying points during the workflow for the checkouts, transaction interface components, transaction terminal settings, transaction terminal peripherals, etc. that are potentially causing negative customer reactions during the checkouts.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management. Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services (1) Inventory management for others in the field of office supplies and business consumables; asset management services, namely, analysis, design, implementation and administration of an asset management program; network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions
(2) Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services
(3) Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management. Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services (1) Inventory management for others in the field of office supplies and business consumables; asset management services, namely, analysis, design, implementation and administration of an asset management program; network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions
(2) Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services
(3) Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management, Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; business network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions. Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; asset management services, namely, analysis, design, implementation and administration of an asset management program; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management, Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; business network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions. Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; asset management services, namely, analysis, design, implementation and administration of an asset management program; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services.
An interface is rendered on a user-operated device. A shopping list of items defined by a user is obtained through the interface. A store associated with the items is identified and a tax jurisdiction for the store. Each item of the list is checked in inventory at the store, a set of substitute items are identified for each item, and available promotions are identified for each item and each substitute item. A total price for the list of the items that includes taxes in the jurisdiction of the store and includes any promotion pricing is provided to the user through the interface. The user can interact with the list through the interface to evaluate scenarios where the original list and/or a modified list meets a budget defined by the user or select an automatically determined list that identifies a lowest priced substitute for each item until the budget is met.
Users and providers register with a portal. Users are provided codes that link to the portal and contact information for the users. When a provider needs a user to physically sign a document, the user presents the code for scanning by a provider device, this redirects the document and the code to the portal. A ledger is maintained on the portal for the transaction, the portal forwards the document to the user using the contact information. The user uses an application to review the document and accept or reject the document. When the user accepts the document, a physical signature of the user is placed within the document at signature locations and forwarded back to the portal. The portal updates the ledger indicating the user physically signed and forwards the physically signed document to the provider. Neither the unsigned document nor the physically signed document are stored on the portal.
A camera support assembly may include an open frame mounted on a bracket coupled to self-service checkout terminal, the open frame above a scan area surface of the self-service checkout terminal, the open frame being trapezoidal and having two opposing parallel sides, the bracket connected to the open frame on a first side of the two opposing parallel sides. In addition, the assembly may include a cross-member connecting the two opposing parallel sides of the open frame. The assembly may include a first camera mounted on the cross-member, the first camera positioned downward facing towards the scan area surface of the self-service checkout terminal, the first camera coupled to a computer-vision item transaction module of the self-service checkout terminal.
Machine-Learning Model (MLM) build technique is provided. Build instructions are normalized into a cloud-independent format. Each cloud identified in the instructions is assigned a specific adapter. The adapter translates the normalized format into a cloud-specific format and the adapters interact with configuration Application Programming Interfaces (APIs) of the specific cloud to process the instructions in the cloud-specific format. As the adapters interact with the corresponding APIs, output feedback from the APIs is live streamed within an interface to a developer that provided the instructions for monitoring the builds simultaneously being configured on multiple clouds. When the build instructions complete with the APIs on the clouds, the user is presented an option to initiate an orchestrator that loads, initiates, and trains the MLM as a unique instance of the MLM on each cloud.
Transaction usage metrics for terminals and maintenance records for the terminals are evaluated in view of suggested maintenance actions for peripherals and/or components of the peripherals associated with the terminals. Any open service records for terminals predicted to require a maintenance action based on the evaluation have the maintenance action added to their open service records. A new open service record is generated for any terminal predicted to require the maintenance action based on the evaluation when an existing open service record for the corresponding terminal was not detected. In an embodiment, service calls associated with the open service records are monitored for compliance and non-compliant actions are flagged for reporting.
A portion of a Transaction Interface (TI) is overridden and remotely controlled during a transaction at a transaction terminal. The portion is remotely hosted from the terminal and controlled during the interaction through interaction with an agent on the terminal and a remote host application on a cloud/server. The portion overrides an existing screen or object of the TI without altering the TI workflow and other existing screens and objects associated with the TI workflow during the transaction. The portion may be content or a service that is remotely hosted from the cloud/server.
A data model is derived from transaction data. The model is represented in a combination data structure for a tree and a hash table. The hash table provides direct access to leaves of the tree, each leaf comprises a frequency count for a particular unique basket of items detected in the transaction data. Mining the combination data structure does not require recursive traversal of the tree. Moreover, derivation is performed with just two passes on the transaction data, during each pass multiple concurrent reducer tasks handle a unique portion of the transaction data providing parallel processing during creation and derivation which improves the processor elapsed time to complete the combination data structure. Furthermore, updates to the data structure are incremental without requiring any additional passes on the original transaction data and without requiring full traversal of the tree. Output from the mining is provided as input to predictor services.
Historical transaction data, events, replenishment activities, and terminal statuses for terminals of a given store are obtained. The data is preprocessed to include calculated terminal traffic patterns, cash usage patterns, and elapsed time until a replenishment activity for a given interval of time on per terminal. A machine-learning model (MLM) is trained on the modified data to configure itself for predicting the elapsed time per terminal. Real-time transaction data, events, and terminal statuses for the terminals of the store are obtained at the interval of time, and current traffic and usage patterns are inserted into the real-time data and fed as input to the MLM. The MLM returns terminal identifiers for the terminals and corresponding elapsed periods of time until a projected replenishment activity is likely to occur. The terminal identifiers and corresponding elapsed periods of time are rendered within an interface accessible to the store for media management.
A real-time and dynamic media baseline for a transaction terminal is calculated when requested. The baseline is optimized to minimize media activities on the terminal while at the same time to minimize a total media volume level associated with each of the terminals for an enterprise as a whole. Real-time and dynamic conditions at the terminals are accounted for in any calculated baseline at the time the baseline is requested to optimally minimize the media activities of the corresponding terminal and to optimally minimize the total media volume level of the terminals as a whole.
A first dataset associated with input data provided to a data-driven machine-learning model (MLM) that provides a service to a first tenant is obtained. A second dataset is obtained for a second tenant. Each set of input data from the datasets are labeled with an identifier for the first tenant or the second tenant. The first dataset and second dataset are aggregated into a training dataset to train a classification MLM to classify each set of input data as originating from the first tenant or the second tenant. The classification MLM is tested for accuracy. Based on the accuracy of the classification MLM, a determination is provided as to whether the data-driven MLM can be used with the second tenant without adjustments to the data-driven MLM or as to whether adjustments to the data-driven MLM are needed before using the data-driven MLM.
Metrics are captured from a variety of systems associated with stores of a retailer. Values for factors or benchmarks are calculated per store from their corresponding metrics. Each of the stores are labeled as successful or unsuccessful. Factors for which high values are correlated with successful stores and low values are correlated with unsuccessful stores are clustered together. Similarly, factors for which low values are correlated with successful stores and high values are correlated with unsuccessful stores are clustered together. A set of clustered factors associated with the success, or the failure of stores are reported to the retailer in a data model that also comprises the various degrees to which the various clusters of the factors relate to or correlate with both the successful stores and the unsuccessful stores. Prescriptive recommendations are derived from the data model to improve metrics associated with successful factors.
A prescriptive data model for stores of a retailer is maintained. The data model comprises clusters of benchmarks and benchmark values for successful stores and unsuccessful stores. A machine-learning model (MLM) is trained on the data model to predict Key Performance Indicator (KPI) values. An interface is provided that permits an end user to override a given current benchmark value with a changed value. The changed value along with unchanged current benchmark values are provided as input to the MLM and the MLM produces as output a set of current predicted KPI values. The set of current predicted KPI is rendered within the interface to the end user as a predicted impact the changed value will have on a given store or a given department of the given store.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, computer servers, self-service secure terminals for electronic transactions in the nature of point-of-sale terminals, computer communications and networking hardware, computer keyboards, computer display terminals, document printers, cash change dispensing machines, proofing and encoding systems comprised of computer hardware and recorded utility software, document scanners, bar code scanners, product weighing scales; recorded computer software application development tools for use in networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related printed instructional manuals sold in connection therewith; Recorded computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management; Self-service terminals in the nature of point-of-sale terminals, for electronic transactions in a financial environment such as in cash, credit, and debit transactions; Cash registers. Printed matter, namely, printed publications in the nature of instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipt books, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on recorded mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; Asset management services, namely, analysis, implementation and administration of an asset management program; the aforesaid services relating to business management of retail operations in the nature of retail stores and hospitality providers, and point-of-sale transactions; None of the aforementioned services directed to psychometric tests, including tests based on the psychological type theory. Financial services, namely, banking services, financial transaction processing services in the nature of point-of-sale transaction processing, credit card and check authorization and processing services, and electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals in the nature of document scanners, bar code scanners, and product weighing scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of sale terminals and on recorded mobile applications for banking services; None of the aforementioned services directed to psychometric tests, including tests based on the psychological type theory. Consultation in the field of computers, namely, application development and assessment and evaluation of customer requirements of hardware and software for point-of-sale terminals, document scanners, bar code scanners, product weighing scales, and on recorded mobile applications for banking services; Software as a service (SaaS) services with cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, document scanners, bar code scanners, product weighing scales, and on recorded mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, document scanners, bar code scanners, product weighing scales, and for recorded mobile applications for banking services.
