There are provided systems and methods for a computing framework for online visitor identification through device fingerprints. An online transaction processor may provide account authentication and/or user identity verification without requiring on-device cookies and other device-side storage of data through device fingerprints. When unknown devices access a merchant website or application, they may engage with various processes, such as accounts, checkout and payment, etc. However, users may not login, and so they may not identify available products and benefits. As such, a device fingerprinting framework may be provided to fingerprint devices based on their attributes and parameters, which may be used to associate those devices with accounts and/or past user identifications. When the devices later engage with internal or external platforms, the device fingerprint may be used to, with a high degree of accuracy, identify these devices and therefore associate them with accounts for product recommendations and logins.
Techniques are disclosed relating to automatically determining image quality for images of documents. In some embodiments, a computer system receives an image of a document captured at a user computing device. Using a neural network, the computer system analyzes the image to determine whether the image satisfies a quality threshold, where the analyzing includes determining whether one or more features in the image used in an authentication process are obscured. The computer system transmits, to the user computing device, a quality result, where the quality result is generated based on an image classification output by the neural network. Automatically determining whether a received image of a document satisfies a quality threshold may advantageously improve the chances of a system being able to complete an authentication process quickly, which in turn may improve user experience while reducing fraudulent activity.
G06V 10/98 - Détection ou correction d’erreurs, p. ex. en effectuant une deuxième exploration du motif ou par intervention humaineÉvaluation de la qualité des motifs acquis
G06V 10/77 - Traitement des caractéristiques d’images ou de vidéos dans les espaces de caractéristiquesDispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant l’intégration et la réduction de données, p. ex. analyse en composantes principales [PCA] ou analyse en composantes indépendantes [ ICA] ou cartes auto-organisatrices [SOM]Séparation aveugle de source
G06V 10/774 - Génération d'ensembles de motifs de formationTraitement des caractéristiques d’images ou de vidéos dans les espaces de caractéristiquesDispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant l’intégration et la réduction de données, p. ex. analyse en composantes principales [PCA] ou analyse en composantes indépendantes [ ICA] ou cartes auto-organisatrices [SOM]Séparation aveugle de source méthodes de Bootstrap, p. ex. "bagging” ou “boosting”
G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
G06V 10/94 - Architectures logicielles ou matérielles spécialement adaptées à la compréhension d’images ou de vidéos
G06V 30/413 - Classification de contenu, p. ex. de textes, de photographies ou de tableaux
Techniques are disclosed relating to automating data visualization using machine learning. In some embodiments, a computer system receives a request for program instructions to render a graphical chart from data stored in a database of the computing system. The request includes an image of a desired graphical chart. The computer system applies a machine learning model to the image to determine one or more query parameters associated with the desired graphical chart. The computer system provides the requested program instructions to render the graphical chart. The requested program instructions include a database query specifying one or more query parameters to retrieve the data from the database. The computer system may render the graphical chart based on the provided program instructions.
Accuracy, reliability, and response speed improvements for software applications executed by a computing system or platform are provided herein. There are provided systems and methods for multidimensional error causal analysis for error intercorrelations that impact application availability. A service provider may utilize different computing services for data processing to provide different computing services to users, such as via websites and/or applications of the service provider. Due to errors, users may be unable to utilize applications or may face decreased performance and application availability. To improve application performance, error causal analysis may be performed that identifies error intercorrelations that impact application availability and other performance by identifying error effects on each other. Causal statements may be intelligently generated to then identify error intercorrelations. Once generated, these statements may be tested and verified to allow debugging teams and others to fix errors that reduce application performance and availability.
Accuracy, efficiency, and speed improvements for error alerting are provided herein, particularly in the context of error detection and alerting. There are provided systems and methods for scalable error alerts threshold based on conversion metrics for data processing flows. A service provider may utilize different computing services for data processing to provide different computing services to users, such as via websites and/or applications of the service provider. Due to timeouts, failures, and other errors, users may be unable to complete a data processing flow. To provide dynamic error alerting, thresholds for reporting of the errors may be adjusted based on conversion metrics for users abandoning the processing flow at different steps. A threshold for a number of users that fail to complete the flow at certain steps may be adjusted to account for users that may abandon due to errors or other reasons.
Techniques are disclosed in which a computer system receives, from a plurality of user computing devices, a plurality of device-trained models and obfuscated sets of user data stored at the plurality of user computing devices, where the device-trained models are trained at respective ones of the plurality of user computing devices using respective sets of user data prior to obfuscation. In some embodiments, the server computer system determines similarity scores for the plurality of device-trained models, wherein the similarity scores are determined based on a performance of the device-trained models. In some embodiments, the server computer system identifies, based on the similarity scores, at least one of the plurality of device-trained models as a low-performance model. In some embodiments, the server computer system transmits, to the user computing device corresponding to the low-performance model, an updated model.
There are provided systems and methods for a computing framework for online visitor identification through device fingerprints. An online transaction processor may provide account authentication and/or user identity verification without requiring on-device cookies and other device-side storage of data through device fingerprints. When unknown devices access a merchant website or application, they may engage with various processes, such as accounts, checkout and payment, etc. However, users may not login, and so they may not identify available products and benefits. As such, a device fingerprinting framework may be provided to fingerprint devices based on their attributes and parameters, which may be used to associate those devices with accounts and/or past user identifications. When the devices later engage with internal or external platforms, the device fingerprint may be used to, with a high degree of accuracy, identify these devices and therefore associate them with accounts for product recommendations and logins.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06V 40/70 - Biométrique multimodale, p. ex. combinaison d’informations de modalités biométriques distinctes
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
8.
SYSTEM AND METHOD FOR MANAGING THREATS IN OPEN TRANSACTION NETWORKS
Systems and methods for managing threats in a network including applying, at a first layer, a first request obtained from a first computing device to a first graph to determine one or more first embeddings and one or more second embeddings, classifying, at a second layer, a second request obtained from a second computing device as a first request type or a second request type based on applying the second request to a second graph, predicting, at a third layer, an authenticity of a call sequence obtained from the second computing device based on a sequence threshold, and sending the call sequence to a third computing device based on authenticating the call sequence. The first request is a transaction to be performed by the second computing device and the second request is a second processing transaction to be performed by the third computing device based on the first request.
There are provided systems and methods for anonymity-enabled transmission of pager notifications without exchanging contact identifiers. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items from a merchant at a physical merchant location. The merchant may provide options to receive a notification when an order is ready or fulfilled on their mobile device, which may be done without the user entering an email address or phone number. Instead, the user may be provided the notification via data exchanges using short-range wireless communications. A message may be generated having a webpage address or another identifier allowing for retrieval of a webpage or user interface data for a notification that may include an order status. The order status may be updated in the notification, which may be provided on a user's mobile device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
Techniques are disclosed relating to automating data visualization using machine learning. In some embodiments, a computer system receives a request for program instructions to render a graphical chart from data stored in a database of the computing system. The request includes an image of a desired graphical chart. The computer system applies a machine learning model to the image to determine one or more query parameters associated with the desired graphical chart. The computer system provides the requested program instructions to render the graphical chart. The requested program instructions include a database query specifying one or more query parameters to retrieve the data from the database. The computer system may render the graphical chart based on the provided program instructions.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for sending, receiving, accepting,
buying, selling, storing, transmitting, trading and
exchanging digital currency, virtual currency,
cryptocurrency, stablecoins, digital and blockchain
financial assets, digitized assets, digital tokens, crypto
tokens and utility tokens; downloadable software for use in
processing payments, purchases, and investments using
digital currency, virtual currency, cryptocurrency,
stablecoins, digital and blockchain financial assets,
digitized assets, digital tokens, crypto tokens and utility
tokens; downloadable software for use as an electronic
wallet; magnetically encoded debit cards and credit cards;
downloadable software that promotes the goods and services
of others by providing information regarding rewards,
discounts, cash back offers, coupons, rebates, vouchers and
special offers for goods and services; downloadable software
for the electronic transfer of money; downloadable software
that allows users to transfer money, split money, and share
money; downloadable software for processing electronic
payment transactions and funds transfers made via automated
clearing house (ACH), credit card, debit card, electronic
check and electronic, mobile and online payment platforms. Advertising, marketing, and promotion services;
administering promotional and incentive rewards programs,
namely, rewards, discounts, and promotional programs
featuring discounts and the ability to earn rewards on
third-party products and services; debit and credit card
incentive reward programs, namely, providing cash back
rewards to debit card and credit card account holders;
promoting the goods and services of others by providing
information regarding rewards, discounts, coupons, rebates,
vouchers and special offers for goods and services;
promoting the goods and services of others, namely,
providing links to the websites of others; retail and
wholesale services for web application and server software,
including e-commerce and e-payment software; promoting the
goods and services of others via offering rewards,
discounts, and promotions through a mobile application. Cryptocurrency and stablecoin payment processing;
cryptocurrency and stablecoin exchange services; electronic
wallet services for trading, storing, sending, receiving,
validating, verifying, accepting, tracking, transferring,
and transmitting virtual currency, and managing virtual
currency payment and exchange transactions; fraud and
mistaken transaction reimbursement services, namely,
reimbursement of payment purchase processing for
transactions concerning lost, damaged, misrepresented, or
incorrect products or services; providing purchase
protection services, namely, providing payment dispute
resolution services and reimbursement services for disputed
transactions in the field of electronic payment purchases;
financial and banking services, namely, debit card and
credit card transaction processing services featuring cash
back rewards to customers that make incentivized purchases;
electronic funds transfer; processing electronic payment
transactions and electronic funds transfers via automated
clearing house (ACH), credit card, debit card, electronic
check and electronic, mobile and online payment platforms;
electronic currency transfer services, namely, electronic
splitting and sharing of funds between users. Software as a service (SaaS) services featuring software for
sending, receiving, accepting, buying, selling, storing,
transmitting, trading and exchanging digital currency,
virtual currency, cryptocurrency, stablecoins, digital and
blockchain financial assets, digitized assets, digital
tokens, crypto tokens and utility tokens; software as a
service (SaaS) services featuring software for use in
processing payments, purchases, and investments using
digital currency, virtual currency, cryptocurrency,
stablecoins, digital and blockchain financial assets,
digitized assets, digital tokens, crypto tokens and utility
tokens; software as a service (SaaS) services featuring
software that promotes the goods and services of others by
providing information regarding rewards, discounts, cash
back offers, coupons, rebates, vouchers and special offers
for goods and services; software as a service (SaaS)
services featuring software for the electronic transfer of
money; software as a service (SaaS) services featuring
software that allows users to transfer money, split money,
and share money; software as a service (SaaS) services
featuring software for processing electronic payment
transactions and funds transfers made via automated clearing
house (ACH), credit card, debit card, electronic check and
electronic, mobile and online payment platforms; software as
a service (SaaS) services featuring software for use as an
electronic wallet.
12.
CASCADING PROMPTS FOR MACHINE LEARNING ANALYSIS OF COMPLEX DATA
A system may include a processor and a non-transitory computer readable medium having stored thereon instructions that are executable by the processor to cause the system to process a document to derive a plurality of document chunks; generate, for a generative machine learning (ML) model, a first prompt configured to cause the generative ML model to provide a first report based on a first of the plurality of document chunks; extract a feature from the first report and comparing the extracted feature to a table of known features; and in response to and based on the comparison, generate, for the generative ML model, a second prompt configured to cause the generative ML model to provide a second report based on a second of the plurality of document chunks.
G06F 16/383 - Recherche caractérisée par l’utilisation de métadonnées, p. ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des métadonnées provenant automatiquement du contenu
G06F 40/258 - Extraction des en-têtesInsertion automatique des titresNumérotation
13.
CASCADING PROMPTS FOR MACHINE LEARNING ANALYSIS OF COMPLEX DATA
A system may include a processor and a non-transitory computer readable medium having stored thereon instructions that are executable by the processor to cause the system to process a document to derive a plurality of document chunks; generate, for a generative machine learning (ML) model, a first prompt configured to cause the generative ML model to provide a first report based on a first of the plurality of document chunks; extract a feature from the first report and comparing the extracted feature to a table of known features; and in response to and based on the comparison, generate, for the generative ML model, a second prompt configured to cause the generative ML model to provide a second report based on a second of the plurality of document chunks.
G06F 16/353 - PartitionnementClassement dans des classes prédéfinies
G06F 18/21 - Conception ou mise en place de systèmes ou de techniquesExtraction de caractéristiques dans l'espace des caractéristiquesSéparation aveugle de sources
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06F 18/28 - Détermination de motifs de référence représentatifs, p. ex. en faisant la moyenne ou en déformantGénération de dictionnaires
There are provided systems and methods for edge computing storage nodes based on location and activities for user data separate from cloud computing environments. A service provider, such as an online transaction processor, may provide additional services for to users via edge computing systems and edge computing storage nodes. The service may be for data that may be predictively loaded to the edge computing storage node for a particular location, where the edge computing storage node may reside more locally to the location on a network so that data may be served quicker and with less network resource consumption than providing data from a remote cloud computing storage. The data may be predicted to be needed or useful to the user at the location using a user profile for the user, monitored user activities, and/or one or more machine learning models that predict user behaviors at the location.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
G06F 16/9035 - Filtrage basé sur des données supplémentaires, p. ex. sur des profils d'utilisateurs ou de groupes
According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation électromagnétique, p. ex. lecture optiqueMéthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p. ex. lecture de la lumière blanche réfléchie
G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p. ex. forme, nature, code
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
16.
CHECKOUT APPROVAL THROUGH FEATURE FLAG TRACKING AND GUIDED USER DATA FLOWS
There are provided systems and methods for checkout approval through feature flag tracking and guided user data flows. An online transaction processor may provide account establishment and/or know your customer (KYC) data verification at merchant checkout through use of different account processes and feature flags for mobile applications. A user may utilize their mobile device to scan a code at the merchant checkout, which may cause loading of an interface in the mobile application and a corresponding feature flag. Based on whether the user has previously used the application and/or has an account with the transaction processor, the user may be guided to a processing flow for data input, processing, and verification. The data may include KYC data, which may be used to perform a risk assessment of the user and determine a spending limit extendable to the user.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/0207 - Remises ou incitations, p. ex. coupons ou rabais
G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for processing electronic payments and
for transferring funds to and from others; downloadable
software for facilitating money transfer services,
electronic funds transfer services, bill payment remittance
services, electronic processing and transmission of payments
and payment data; downloadable computer software and
downloadable mobile application software for facilitating
electronic commerce transactions; downloadable software for
use as a digital wallet; downloadable software for
connecting digital wallets; downloadable software for
connecting, integrating, and enabling transfer of funds
between digital wallets and financial accounts; downloadable
software for linking independent financial accounts and
digital wallets, enabling migration of data and transfers of
funds between independent third party financial accounts and
digital wallets, and establishing secure connections between
independent financial accounts and digital wallets;
downloadable computer software for use for financial account
management, namely, software for managing and facilitating
financial transactions and funds transfers for bank
accounts, credit card accounts, debit card accounts, and
digital wallets; downloadable authentication software for
controlling access to and communications with computers and
computer networks; downloadable software for currency
conversion. Providing business information regarding money transfer
services; business consulting services in the field of
online payments; business managing and tracking credit card,
debit card, ACH, prepaid cards, payment cards, and other
forms of payment transactions via electronic communications
networks for business purposes; business information
management, namely, electronic reporting of business
analytics relating to payment processing, authentication,
tracking, and invoicing. Electronic payment services involving electronic processing
and subsequent transmission of bill payment data; payment
transaction processing services; providing electronic
processing of electronic funds transfer, ACH, credit card,
debit card, electronic check and electronic payments;
financial information processing; money transfer services;
electronic funds transfer services; bill payment services;
providing a payment network for facilitating transactions
from digital wallets; providing financial services, namely,
bill payment services provided via a digital wallet and
providing secure commercial transactions; transaction
processing services for bank accounts, debit cards, and
credit cards on embedded digital wallets, cross-border money
transfers to banks and mobile wallets with real time
currency exchange rates; clearing financial transactions via
a global computer network and wireless networks; credit card
and debit card transaction processing services; processing
of electronic wallet payments; currency exchange services;
electronic commerce payment services, namely, establishing
funded accounts used to facilitate transactions and
purchases on the Internet. Providing temporary use of online non-downloadable software
for processing electronic payments and for transferring
funds to and from others; application service provider (ASP)
featuring application programming interface (API) software
for facilitating payment transactions and financial
information processing; providing temporary use of online
non-downloadable software for facilitating money transfer
services, electronic funds transfer services, bill payment
remittance services, electronic processing and transmission
of payments and payment data; providing temporary use of
online non-downloadable software for facilitating electronic
commerce transactions; providing temporary use of online
non-downloadable software for use as a digital wallet;
providing temporary use of online non-downloadable software
for connecting digital wallets; providing temporary use of
online non-downloadable software for connecting,
integrating, and enabling transfer of funds between digital
wallets and financial accounts; providing temporary use of
online non-downloadable software for linking independent
financial accounts and digital wallets, enabling migration
of data and transfers of funds between independent third
party financial accounts and digital wallets, and
establishing secure connections between independent
financial accounts and digital wallets; providing temporary
use of online non-downloadable software for use for
financial account management, namely, software for managing
and facilitating financial transactions and funds transfers
for bank accounts, credit card accounts, debit card
accounts, and digital wallets; providing temporary use of
online non-downloadable authentication software for
controlling access to and communications with computers and
computer networks; providing temporary use of online
non-downloadable software for currency conversion.
18.
EXTRACTING WEBPAGE FEATURES USING CODED DATA PACKAGES FOR PAGE HEURISTICS
There are provided systems and methods for extracting webpage features using coded data packages for page heuristics. A service provider server may provide website agnostic tools that account for differences in webpage layouts. This may be done using coded data packages designed to consider webpage heuristics of different webpages. These data packages include entries that have a term, a weight, and an optional scope for searching or filtering webpage elements in webpage document code for webpages. U sing multiple entries in a data package, a decision may be returned of whether a webpage includes a certain feature, data, or element, as well as data for the element. The identified feature may be used for data extraction and/or determination, which may allow one or more applications and/or browser extensions to provide services across multiple different websites without specifically formulating the data packages for certain website styles.
Systems, methods and computer-readable media for advertising cannibalization management are provided. An example embodiment includes a processor configured to perform operations including monitoring one or more navigation metrics associated with navigating a website that includes multiple internal pages, wherein one or more of the internal pages include a plurality of interface elements associated with a plurality of navigation links. The operations further include determining, based on the navigation data, presentation values for at least a portion of the interface elements. In addition, the operations include, based on the presentation values, selecting a particular interface element of the at least a portion of the interface elements and causing a real time presentation of the particular interface element on a user interface of a client device
In one embodiment, an intended recipient of money transmits a payment link created by the recipient to an intended sender of money, where the link contains a locator to a site of a payment provider, information about the recipient (e.g., phone number), and the amount of money to be sent. The link can be sent via email, text, IM, or other means. The sender then accesses the link, such as by clicking or tapping on the link, which launches a checkout or payment page for the sender on the payment provider site. The sender completes the payment page, and the payment is sent to the recipient by the payment provider.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
21.
QUANTITATIVE RESULT OF FAILURE AND MACHINE LEARNING MODELS
A method includes receiving training data respective of a plurality of previous computing actions by a plurality of entities and training, based on the training data, a machine learning model to output a decision score. The training includes use of a loss function having input parameters including a percentage likelihood that a future computing action will fail, and a quantitative measure of a failed computing action. The method further includes receiving, from a user entity, a request for permission to engage in further computing actions, applying the trained machine learning model to data respective of the user entity to generate a decision score respective of the user entity, and rejecting, based on the decision score, the request for permission.
G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
There are provided systems and methods for checkout approval through feature flag tracking and guided user data flows. An online transaction processor may provide account establishment and/or know your customer (KYC) data verification at merchant checkout through use of different account processes and feature flags for mobile applications. A user may utilize their mobile device to scan a code at the merchant checkout, which may cause loading of an interface in the mobile application and a corresponding feature flag. Based on whether the user has previously used the application and/or has an account with the transaction processor, the user may be guided to a processing flow for data input, processing, and verification. The data may include KYC data, which may be used to perform a risk assessment of the user and determine a spending limit extendable to the user.
A method for operating a graph database, including receiving, by a computer system, a query to a particular graph database, the query identifying a plurality of vertices of the particular graph database. The method further includes performing, by the computer system, hash operations on two or more of the plurality of vertices to generate respective hash values and dividing, using the respective hash values, the query into a plurality of sub-queries, each corresponding to a subset of the plurality of vertices. The method also includes sending, by the computer system, ones of the plurality of sub-queries to a plurality of database repositories for the particular graph database.
Systems, methods, and computer-readable media disclosed herein relate to reducing computation and computing resources for certain blockchain related transactions. Specifically, software algorithms and architecture allow some transactions to avoid the need for recordation on a blockchain, which can be computationally expensive both for a requesting device and for various nodes on the blockchain. Thus, a computer system may receive indications of incoming transactions transferring digital assets to particular user accounts, and in response to requests from user accounts, the computer system facilitates one or more internal transactions between those accounts. In response to a request from a particular internal user account, the computer system may perform an outgoing transaction transferring one or more digital assets to an external user account from one or more internal user accounts. The incoming transactions and outgoing transaction are recorded on the blockchain, but the internal transactions are recorded on an internal ledger rather than the blockchain, saving computational power and improving computer operations.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
H04L 9/06 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p. ex. système DES
25.
AUTOMATIC QUERY AND DATA RETRIEVAL OPTIMIZATION THROUGH PROCEDURAL GENERATION OF DATA TABLES FROM QUERY PATTERNS
Latency, response times, and efficiency improvements for data querying are provided herein, particularly in the context of querying large database systems and data tables from disparate data sources. There are provided systems and methods for automatic query and data retrieval optimization through procedural generation of data tables from query patterns. A service provider may utilize different computing services for query processing and data retrieval for different applications and services used by internal and/or external users. Instead of querying large database systems and numerous data tables, pre-aggregated data tables may instead be used and searched by procedurally generating such tables based on precomputation rules and query patterns. Once patterns have been identified in queries, corresponding data may be aggregated from data sources in a pre-aggregated data table. Query optimization rules may then be used to have these data tables queried in place of their original sources.
Systems and methods for integrated multi-factor multi-label analysis include using one or more deep learning systems, such as neural networks, to analyze how well one or more entities are likely to benefit from a targeted action. Data associated with each of the entities is analyzed to determine a score for each of the proposed targeted actions using multiple analysis factors. The scores for each analysis factor are determined using a different multi-layer analysis network for each analysis factor. The scores for each analysis factor are then combined to determine an overall score for each of the proposed targeted actions. The entities and the proposed targeted actions with the highest scores are then identified and then used to determine which entities are to be the subject of which targeted actions.
G06F 18/2113 - Sélection du sous-ensemble de caractéristiques le plus significatif en classant ou en filtrant l'ensemble des caractéristiques, p. ex. en utilisant une mesure de la variance ou de la corrélation croisée des caractéristiques
G06F 18/2115 - Sélection du sous-ensemble de caractéristiques le plus significatif en évaluant différents sous-ensembles en fonction d'un critère d'optimisation, p. ex. la séparabilité des classes, la sélection en avant ou l’élimination en arrière
There are provided systems and methods for a data integration framework that provides an institutional or organizational user data enrichment capability locally. Specifically, instead of relying on the fraud detection platform to constantly updating and/or building new data connectors to intake data from updated or a new data provider, an institutional user, such as a financial institution, may receive a software development kit (SDK) from the fraud detection platform, using which the institutional user may build its own data connector deployed at the institutional user.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06F 9/455 - ÉmulationInterprétationSimulation de logiciel, p. ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
G06N 3/04 - Architecture, p. ex. topologie d'interconnexion
Methods and systems are presented for tracking activities that occur off of a first layer blockchain in in a second layer network built on the first layer blockchain. In one embodiment, a computer system determines that a transfer of cryptocurrency from a first node to a second node has transpired in the second layer network based on querying channel capacities in the second layer network. The computer system determines a first public address for the first node based on information associated with a first channel that connects the computer system and the first node in the second layer network, and determines a second public address for the second node based on information associated with a second channel that connects the computer system and the second node in the second layer network. The first public address and the second public address are used to monitor activity in the first layer blockchain.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
29.
SYSTEM AND METHOD FOR MAKING CONTENT-BASED RECOMMENDATIONS USING A USER PROFILE LIKELIHOOD MODEL
Aspects of the present disclosure involve systems, methods, devices, and the like for making content-based recommendations using a user profile likelihood model. In one embodiment, a system is introduced that includes a plurality of models and storage units for storing, managing, and transforming product and user profile data. The system can also include a recommendation engine designed to determine a probability that a product is relevant to a user based on a user profile. In another embodiment, the probability that a product is relevant to a user may be determined based in part on a frequency of interactions with a product and a time of interaction with the products.
A search engine determines a number of pages to present to a user based on one or more of a variety of factors. The search engine may send the search results to a client machine, which may present a subset of the results along with a pagination control in a scrollable interface. The pagination control may present the number of pages determined by the search engine. The search engine may also determine a number of search results to present prior to the presentation of non-scrollable user interface (UI) elements based on the same or different factors. After the amount of scrolling exceeds a threshold, a non-scrollable UI element may be displayed. Additional thresholds may exist, such that additional non-scrollable UI elements are added as the user continues to scroll.
Methods and systems for using dispersed cached data stored in multiple database nodes for serving database access requests are described herein. Upon receiving a request for data from a requesting device, a first application server determines whether the requested data is stored in a local cache memory. If it is determined that the requested data is not stored in the local cache memory, without accessing a local, first database, the first application server determines that the requested data is stored in a cache memory of a second application server, wherein the second application server stores at least a portion of the data from a second database in its cache memory. The first application server retrieves the requested data from the cache memory of the second application server and provides the retrieved data to the requesting device.
G06F 16/22 - IndexationStructures de données à cet effetStructures de stockage
H04L 65/1063 - Serveurs d'applications fournissant des services réseau
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p. ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
H04L 67/568 - Stockage temporaire des données à un stade intermédiaire, p. ex. par mise en antémémoire
H04L 67/60 - Ordonnancement ou organisation du service des demandes d'application, p. ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
32.
Automated Manipulation and Monitoring of Embeddable Browsers
Techniques are disclosed relating to monitoring network traffic of an embeddable browser displayed by an application executing on a mobile computing device. In some embodiments, a first layer of the application manipulates one or more user interface elements displayed in the embeddable browser. The first layer of the application then detects network requests made by one or more application programming interfaces (APIs) executed by the embeddable browser in response to the manipulating. In some embodiments, the first layer sends to a second layer of the application results of observing network requests. In some embodiments, the second layer of the application displays, in real-time, information corresponding to the results of observing network requests. The disclosed techniques for monitoring activity on an embeddable browser included in mobile applications despite mobile security restrictions may advantageously reduce or remove wait times associated with manipulating and observing content of the embeddable browser.
H04L 43/08 - Surveillance ou test en fonction de métriques spécifiques, p. ex. la qualité du service [QoS], la consommation d’énergie ou les paramètres environnementaux
G06F 3/04842 - Sélection des objets affichés ou des éléments de texte affichés
G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur
H04L 41/22 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets comprenant des interfaces utilisateur graphiques spécialement adaptées [GUI]
H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
33.
DOMAIN-KNOWLEDGE GUIDED AGENT FRAMEWORK FOR AUTOMATED SYSTEM ANALYSIS
There are provided systems and methods for a domain-knowledge guided agent framework for automated system analysis. An online transaction processor or other service provider may provide computing services and platforms to entities, which may require compliance enforcement for different policies, regulations, and the like. To provide compliance review, investigations, and enforcement in a computing system of a service provider, the service provider may implement an intelligent and automated agent and framework that may utilize different large language models for processing compliance investigation requests and queries. The agent may utilize the models to plan and execute tasks using an available toolkit of computing operations and capabilities for compliance investigation. A data guard module may also be used to ensure data privacy and security is maintained. Within a main task, sub-tasks may be executed by models with specific domain knowledge.
Techniques are disclosed relating to utilizing tokens and cryptograms in operations. A first service provider system receives a request to provide a network token usable by a second service provider system to request performance of an operation at an operations system. The first service provider system sends a request to the operations system to generate and return the network token. The network token is usable with a cryptogram to collectively cause the operations system to perform the operation. The first service provider system provides the network token to a web service system. After providing the network token, the first service provider system receives a request indicative that the web service system seeks to initiate the operation. The first service provider system provides the cryptogram to the web service system to enable it to initiate the operation via the second service provider system using the network token and the cryptogram.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for processing electronic payments and
for transferring funds to and from others; downloadable
software for facilitating money transfer services,
electronic funds transfer services, bill payment remittance
services, electronic processing and transmission of payments
and payment data; downloadable computer software and
downloadable mobile application software for facilitating
electronic commerce transactions; downloadable software for
use as a digital wallet; downloadable software for
connecting digital wallets; downloadable software for
connecting, integrating, and enabling transfer of funds
between digital wallets and financial accounts; downloadable
software for linking independent financial accounts and
digital wallets, enabling migration of data and transfers of
funds between independent third party financial accounts and
digital wallets, and establishing secure connections between
independent financial accounts and digital wallets;
downloadable computer software for use for financial account
management, namely, software for managing and facilitating
financial transactions and funds transfers for bank
accounts, credit card accounts, debit card accounts, and
digital wallets; downloadable authentication software for
controlling access to and communications with computers and
computer networks; downloadable software for currency
conversion. Providing business information regarding money transfer
services; business consulting services in the field of
online payments; business management and administrative
services, namely, bookkeeping, account reconciliation,
invoicing, and the compilation, tracking, and reconciliation
of data relating to credit card, debit card, ACH, prepaid
card, payment card, and other payment transactions for
business purposes, provided via electronic communications
networks; business information management, namely,
electronic reporting of business analytics relating to
payment processing, authentication, tracking, and invoicing. Electronic payment services involving electronic processing
and subsequent transmission of bill payment data; payment
transaction processing services; providing electronic
processing of electronic funds transfer, ACH, credit card,
debit card, electronic check and electronic payments;
financial information processing; money transfer services;
electronic funds transfer services; bill payment services;
financial transaction services for digital wallets;
electronic wallet payment services; providing financial
services, namely, bill payment services provided via a
digital wallet and providing secure commercial transactions;
transaction processing services for bank accounts, debit
cards, and credit cards on embedded digital wallets,
cross-border money transfers to banks and mobile wallets
with real time currency exchange rates; clearing financial
transactions via a global computer network and wireless
networks; credit card and debit card transaction processing
services; processing of electronic wallet payments; currency
exchange services; electronic commerce payment services,
namely, establishing funded accounts used to facilitate
transactions and purchases on the internet. Providing temporary use of online non-downloadable software
for processing electronic payments and for transferring
funds to and from others; application service provider (ASP)
featuring application programming interface (API) software
for facilitating payment transactions and financial
information processing; providing temporary use of online
non-downloadable software for facilitating money transfer
services, electronic funds transfer services, bill payment
remittance services, electronic processing and transmission
of payments and payment data; providing temporary use of
online non-downloadable software for facilitating electronic
commerce transactions; providing temporary use of online
non-downloadable software for use as a digital wallet;
providing temporary use of online non-downloadable software
for connecting digital wallets; providing temporary use of
online non-downloadable software for connecting,
integrating, and enabling transfer of funds between digital
wallets and financial accounts; providing temporary use of
online non-downloadable software for linking independent
financial accounts and digital wallets, enabling migration
of data and transfers of funds between independent third
party financial accounts and digital wallets, and
establishing secure connections between independent
financial accounts and digital wallets; providing temporary
use of online non-downloadable software for use for
financial account management, namely, software for managing
and facilitating financial transactions and funds transfers
for bank accounts, credit card accounts, debit card
accounts, and digital wallets; providing temporary use of
online non-downloadable authentication software for
controlling access to and communications with computers and
computer networks; providing temporary use of online
non-downloadable software for currency conversion.
36.
SYSTEMS AND METHODS FOR CREATING DYNAMIC SESSIONS FOR MOBILE APPLICATION INTEGRATION
Systems and methods for mobile application integration are described. These may include receiving a payment request a mobile application, sending a payment application detection request, receiving a detection response, and sending a customized user interface to the mobile device. The customized user interfaces are determined by whether an associated payment application is present on the mobile device and whether the mobile device is authenticated with the payment processing platform. These techniques can allow for a better user experience when interacting with the payment processing platform.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
Techniques are disclosed for transforming user data into images for training a machine learning model based on temporal changes in the users' variables. A system receives a request from a device and retrieves a historical user data that includes variables of a user of the device. The system separates, based on a particular time interval, the historical data into subsets that include historical data for the particular time interval at different times. The system generates, based on the subsets, an image that includes rows of pixels corresponding to the variables included in the historical data and columns of pixels corresponding to the subsets placed in temporal order according to the different times at which their particular time interval occurs. Based on the image, the system determines whether to authorize the request by inputting the image into a machine learning model trained on images of historical data for different users.
Techniques are disclosed relating to utilizing tokens and cryptograms in operations. A first service provider system receives a request to provide a network token usable by a second service provider system to request performance of an operation at an operations system. The first service provider system sends a request to the operations system to generate and return the network token. The network token is usable with a cryptogram to collectively cause the operations system to perform the operation. The first service provider system provides the network token to a web service system. After providing the network token, the first service provider system receives a request indicative that the web service system seeks to initiate the operation. The first service provider system provides the cryptogram to the web service system to enable it to initiate the operation via the second service provider system using the network token and the cryptogram.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
Methods and systems are presented for auditing user feedback data corresponding to user communications received via at least one interface of a service provider. The user feedback data includes a first set of feedback categories associated with a first classification of the user communications. A first feature representation of the communications is generated from the user feedback data. The first feature representation includes a first set of textual data features extracted from the communications. A second feature representation is generated from the first feature representation using a first machine learning model. The second feature representation includes a second set of textual data features including semantic equivalents of the first set of features. A second machine learning model is trained with the second feature representation. A second classification of the user communications according to a second set of feedback categories is generated using the trained second machine learning model.
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.
A method for providing social network payments includes receiving a request to make a payment. The request is associated with a social network payer and a social network payee. It is determined that the social network payer is associated with a first payment provider identifier and an authorization token, and a second payment provider identifier for the social network payee is then retrieved using the authorization token. An instruction to make a payment from the social network payer to the social network payee is then transmitted to a payment service provider. The instruction includes a payment amount, the first payment provider identifier, and the second payment provider identifier. A payment alert is also adapted for a payee social network associated with the social network payee, and the payment alert is send to a social network provider device associated with the payee social network.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Techniques are disclosed that relate to rate limiting network traffic at a content distribution network based on decisions provided by a rate limiter located on an on-premise network. A computer system may receive, at the CDN, network traffic requesting access to a service associated with an on-premise network. The computer system sends, to a second computing system deployed in the on-premise network, a request to decide whether to rate constrain the network traffic. The second computing system is configured to perform an analysis on the network traffic. In response to the request, the computer system receives a decision from the second computing system. The computer system implements the decision for the network traffic at the CDN.
H04L 47/76 - Contrôle d'admissionAllocation des ressources en utilisant l'allocation dynamique des ressources, p. ex. renégociation en cours d'appel sur requête de l'utilisateur ou sur requête du réseau en réponse à des changements dans les conditions du réseau
H04L 43/08 - Surveillance ou test en fonction de métriques spécifiques, p. ex. la qualité du service [QoS], la consommation d’énergie ou les paramètres environnementaux
H04L 43/10 - Surveillance active, p. ex. battement de cœur, utilitaire Ping ou trace-route
H04L 67/61 - Ordonnancement ou organisation du service des demandes d'application, p. ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises en tenant compte de la qualité de service [QoS] ou des exigences de priorité
A method according to the present disclosure may include receiving, from a user device, an update associated with a document, generating an update log event based on the update, appending metadata to the update log event, the metadata indicative of a property of the update, storing the update log event with at least one other log event to generate a plurality of log events, receiving an indication of a type of compression, labelling metadata of each of the plurality of log events based on the indicated type of compression, and compressing the plurality of log events based on the labels.
Techniques are disclosed that relate to rate limiting network traffic at a content distribution network based on decisions provided by a rate limiter located on an on-premise network. A computer system may receive, at the CDN, network traffic requesting access to a service associated with an on-premise network. The computer system sends, to a second computing system deployed in the on-premise network, a request to decide whether to rate constrain the network traffic. The second computing system is configured to perform an analysis on the network traffic. In response to the request, the computer system receives a decision from the second computing system. The computer system implements the decision for the network traffic at the CDN.
H04L 47/25 - Commande de fluxCommande de la congestion le débit étant modifié par la source lors de la détection d'un changement des conditions du réseau
H04L 67/568 - Stockage temporaire des données à un stade intermédiaire, p. ex. par mise en antémémoire
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software and mobile application software for processing electronic payments, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for currency conversion; downloadable software for creating tokens that may be used to pay for products and services, and traded or exchanged for cash value; downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions Electronic transfer of funds; clearing and reconciling financial transactions via a global computer network and wireless networks; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; electronic foreign exchange payment processing services; issuance of stablecoins and tokens of value; stablecoin payment processing; stablecoin trading services; stablecoin exchange services; financial services, namely, providing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens for use by others; financial services, namely, digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transfer, exchange, and payment processing services; financial exchange services; providing a financial exchange for trading digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency exchange services, currency trading services, foreign currency dealing, and broker-dealer financial services in the field of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency transfer services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet payment services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens, and for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token, and utility token payment and exchange transactions; electronic payment processing of payments made via digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens; digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transaction processing services for others; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens Providing temporary use of online non-downloadable software for electronic payment processing, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; application service provider (ASP) services featuring software for use in digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token exchanges and transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; providing temporary use of online non-downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for users to buy and sell products using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; providing temporary use of online non-downloadable software for encryption; providing temporary use of online non-downloadable software for verifying, evaluating, and securing transactions with blockchain technology; providing temporary use of online non-downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software and mobile application software for processing electronic payments, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for currency conversion; downloadable software for creating tokens that may be used to pay for products and services, and traded or exchanged for cash value; downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions Electronic transfer of funds; clearing and reconciling financial transactions via a global computer network and wireless networks; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; electronic foreign exchange payment processing services; issuance of stablecoins and tokens of value; stablecoin payment processing; stablecoin trading services; stablecoin exchange services; financial services, namely, providing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens for use by others; financial services, namely, digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transfer, exchange, and payment processing services; financial exchange services; providing a financial exchange for trading digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency exchange services, currency trading services, foreign currency dealing, and broker-dealer financial services in the field of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency transfer services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet payment services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens, and for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token, and utility token payment and exchange transactions; electronic payment processing of payments made via digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens; digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transaction processing services for others; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens Providing temporary use of online non-downloadable software for electronic payment processing, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; application service provider (ASP) services featuring software for use in digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token exchanges and transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; providing temporary use of online non-downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for users to buy and sell products using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; providing temporary use of online non-downloadable software for encryption; providing temporary use of online non-downloadable software for verifying, evaluating, and securing transactions with blockchain technology; providing temporary use of online non-downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions
47.
Framework for Managing Natural Language Processing Tools
A system performs operations that include receiving, via first computing environment, a request to process text data using a first natural language processing (NLP) model. The operations further include accessing configuration data associated with the NLP model, where the configuration data generated using a domain specific language that supports a plurality of preprocessing modules in a plurality of programming languages. The operations also include selecting, based on the configuration data, one or more preprocessing modules of the plurality of preprocessing modules, generating, based on the configuration data, a preprocessing pipeline using the one or more preprocessing modules, and generating preprocessed text data by inputting the text data into the preprocessing pipeline. The preprocessed text data is provided to the first NLP model.
Systems and methods for smart cloud caching using edge computing and real-time customer journey insights are disclosed. In one embodiment, a system identifies a trend in communications received by a first edge cloud server, wherein each communication corresponds to a customer journey comprising user action steps performed in a client application. The system determines which user action steps cause API invocations to non-edge cloud servers and generates a sequence of API invocations in an order associated with the sequence of user action steps of the customer journey. The sequence of API invocations may be chained and/or bundled and stored in a cache for replication at edge cloud servers. The system may determine that the trend is pervasive in a geographical location based on satisfaction of a criteria, and replicate the cached sequence of API invocations at a cache of a second edge cloud server that services the geographical location.
Systems, methods, and computer program products for correcting code issues, such as code smells, using artificial intelligence, are provided. A code issue in one of multiple source code files is determined. An artificial intelligence model, such as a large language model, receives the code issue and the multiple source code files. The AI model recursively modifies at least one source code file from the multiple source code files until the code issue and an error or errors introduced by modifying the at least one source code file are resolved, and the source code files are issue free.
Methods and systems are presented for reducing computer power consumption and speeding system response times by dynamically generating and deploying one or more small language models (SLMs) to facilitate automated interactions with users. A context is derived for a chat session based on an utterance submitted by the user and other contextual information associated with the chat session. A SLM is generated specifically for the chat session based on the context. The SLM can be generated by extracting one or more portions of an internal structure of a large language model (LLM), or by merging two or more pre-generated SLMs. The SLM is deployed to generate content for the chat session. When it is detected that the context has changed, the SLM can be updated by incorporating additional parameters from the LLM to continue facilitating automated interactions with the user during the chat session.
Methods and systems described herein improve blockchain storage operations in a variety of environments. A blockchain compression system may determine that a blockchain compression condition associated with a blockchain having a first plurality of blocks has been satisfied. In response, the system compresses the first plurality of blocks using a first hash tree into a first root hash value and stores the first plurality of blocks in a first database. The blockchain compression system generates a first new era genesis block that includes the first root hash value and a first database address of the first database at which the first plurality of blocks are stored. The blockchain compression system stores the blockchain at one or more nodes in a blockchain network. The blockchain includes the first new era genesis block and any previous new era genesis blocks. This may effectively reduce storage requirements for the blockchain, in various embodiments.
H04L 9/06 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p. ex. système DES
H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
52.
SYSTEMS AND METHODS FOR PREDICTING AND PROVIDING AUTOMATED ONLINE CHAT ASSISTANCE
Methods and systems are presented for providing automated online chat assistance in an online chat session. One or more utterances transmitted from a user device of a user via the online chat session are obtained. The one or more utterances are provided to a first prediction model to predict an intent of a user. If it is determined that the first prediction model is unable to predict the intent of the user based on the one or more utterances, the one or more utterances are provided to a second prediction model. After predicting the intent of the user by the second prediction model, the intent is used by a chat robot to provide a dialogue with the user via the online chat session. The one or more utterances and the predicted intent are used to re-train the first prediction model.
G06N 5/04 - Modèles d’inférence ou de raisonnement
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel
H04L 51/04 - Messagerie en temps réel ou quasi en temps réel, p. ex. messagerie instantanée [IM]
H04L 65/1069 - Établissement ou terminaison d'une session
Methods and systems are presented for reducing computer power consumption and speeding system response times by dynamically generating and deploying one or more small language models (SLMs) to facilitate automated interactions with users. A context is derived for a chat session based on an utterance submitted by the user and other contextual information associated with the chat session. A SLM is generated specifically for the chat session based on the context. The SLM can be generated by extracting one or more portions of an internal structure of a large language model (LLM), or by merging two or more pre-generated SLMs. The SLM is deployed to generate content for the chat session. When it is detected that the context has changed, the SLM can be updated by incorporating additional parameters from the LLM to continue facilitating automated interactions with the user during the chat session.
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel
G06F 40/35 - Représentation du discours ou du dialogue
G06Q 30/015 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance
54.
ADAPTIVE MODEL EVOLUTION THROUGH IDENTIFICATION AND INTEGRATION OF NOVEL DATA PATTERNS
Systems and methods for performing continual learning for neural network models for performing certain tasks based on data including applying a first neural network model to a second dataset, the first neural network model trained using a first dataset, determining a data distribution representative of the second dataset, determining a third dataset corresponding to a subset of data in the second dataset based on applying a threshold to the data distribution, the subset of data corresponding to new data patterns in the second dataset indicative of including different characteristics than data patterns in the first dataset, obtaining a second neural network model trained using the first dataset, and training the second neural network model using the third dataset to finetune a performance of the second neural network model in performing the certain tasks or other new tasks.
Methods and systems are presented for providing a multi-party computation (MPC) framework for dynamically configuring, deploying, and utilizing an MPC system for performing distributed computations. Based on device attributes and network attributes associated with computer nodes that are available to be part of the MPC system, a configuration for the MPC system is determined. The configuration may specify a total number of computer nodes within the MPC system, a minimum number of computer nodes required to participate in performing a computation process, a key distribution mechanism, and a computation processing mechanism. Encryption keys are generated and distributed among the computer nodes based on the key distribution mechanism. Upon receiving a request for performing the computation, updated network attributes are obtained. The configuration of the MPC system is dynamically modified based on the updated network attributes, and the MPC system performs the computations according to the modified configuration.
Latency, response times, and efficiency improvements for data querying are provided herein, particularly in the context of querying large database systems and data tables from disparate data sources. There are provided systems and methods for automatic query and data retrieval optimization through procedural generation of data tables from query patterns. A service provider may utilize different computing services for query processing and data retrieval for different applications and services used by internal and/or external users. Instead of querying large database systems and numerous data tables, pre-aggregated data tables may instead be used and searched by procedurally generating such tables based on precomputation rules and query patterns. Once patterns have been identified in queries, corresponding data may be aggregated from data sources in a pre-aggregated data table. Query optimization rules may then be used to have these data tables queried in place of their original sources.
In disclosed techniques a system generates, using a generative model, current synthetic communications, including inputting conditions for the synthetic communications into the trained generative model. The system generates the trained generative model by iteratively performing multiple operations until a discriminator of the generative model determines that synthetic communications output by the generative model satisfy a difference threshold. The operations include: generating, by a generator of the generative model, based on existing communications, a training synthetic communications, determining, by the discriminator of the generative model, differences between the existing communications and the training synthetic communications, and updating the generator based on the differences. Using the current synthetic communications and the existing communications, the system trains another model to evaluate newly initiated communications. The disclosed data synthesis techniques may advantageously enable discovery of concealed patterns, which in turn improves detection of processing systems that execute models trained on the synthetic data.
There are provided systems and methods for a computing framework for enforcement of data privacy consent through device fingerprints. A service provider, including an electronic transaction processor, may provide consent management and enforcement through device fingerprints server-side in place of using device-side cookies or other data. When a device interacts with a service provider and provides or generates user data, the user of the device may opt-in to consenting to share or use that user data for targeted content and/or personalized services. The device may be fingerprinted using unique device parameters and a fingerprinting algorithm to generate a unique device identifier. User segments may then be built for the user based on the user data and to hide or obfuscate the user data. The device fingerprint may then be shared with the user segments so that when the device is further detected, targeted content and personalization may be provided.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
59.
Dynamic Sharding Method for Distributed Data Stores
Disclosed methods and systems include maintaining, by a computer system, a database stored across a first number of nodes. This maintaining may include dividing records into a particular number of shards that are distributed among the first number of nodes. In response to a change to a second number of nodes, the computer system may determine a number of shards per node based on the second number of nodes. The computer system may select a subset of the particular number of shards to distribute across the second number of nodes, and move the subset of shards to one or more of the second number of nodes.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
60.
EXTRACTING WEAKLY CORRELATED RULES FROM SINGLE-TREE MACHINE LEARNING MODELS
Data associated with a plurality of transactions is accessed. Based on the data, a first tree-based machine learning model (e.g., a gradient boosted tree-based model) is generated that contains a plurality of first nodes and a plurality of first branches interconnecting the plurality of first nodes. A first rule is extracted from the first tree-based machine learning model. The data is adjusted after the first rule has been extracted. Based on the adjusted data, a second tree-based machine learning model (e.g., a gradient boosted tree-based model) is generated that contains a plurality of second nodes and a plurality of second branches interconnecting the plurality of second nodes. A second rule is extracted from the second tree-based machine learning model. The second rule and the first rule have a correlation below a specified threshold, for example, at or close to zero.
Disclosed methods and systems include maintaining, by a computer system, a database stored across a first number of nodes. This maintaining may include dividing records into a particular number of shards that are distributed among the first number of nodes. In response to a change to a second number of nodes, the computer system may determine a number of shards per node based on the second number of nodes. The computer system may select a subset of the particular number of shards to distribute across the second number of nodes, and move the subset of shards to one or more of the second number of nodes.
G06F 3/06 - Entrée numérique à partir de, ou sortie numérique vers des supports d'enregistrement
G06F 16/17 - Détails d’autres fonctions de systèmes de fichiers
G06F 3/00 - Dispositions d'entrée pour le transfert de données destinées à être traitées sous une forme maniable par le calculateurDispositions de sortie pour le transfert de données de l'unité de traitement à l'unité de sortie, p. ex. dispositions d'interface
36 - Services financiers, assurances et affaires immobilières
Produits et services
Cryptocurrency and stablecoin payment processing;
cryptocurrency and stablecoin exchange services; electronic
wallet services for trading, storing, sending, receiving,
validating, verifying, accepting, tracking, transferring,
and transmitting virtual currency, and managing virtual
currency payment and exchange transactions; fraud and
mistaken transaction reimbursement services, namely,
reimbursement of payment purchase processing for
transactions concerning lost, damaged, misrepresented, or
incorrect products or services; providing purchase
protection services, namely, providing payment dispute
resolution services and reimbursement services for disputed
transactions in the field of electronic payment purchases;
financial and banking services, namely, debit card and
credit card transaction processing services featuring cash
back rewards to customers that make incentivized purchases;
electronic funds transfer; processing electronic payment
transactions and electronic funds transfers via automated
clearing house (ACH), credit card, debit card, electronic
check and electronic, mobile and online payment platforms;
electronic currency transfer services, namely, electronic
splitting and sharing of funds between users.
63.
Bifurcated System for Querying Multiple Data Types
Techniques are disclosed relating to executing a bifurcated computer system for different types of data processing. The system receives a plurality of requests to execute queries and executes a first service of the system for a first query specified by the requests based on the first query specifying a first type of data. The system accesses, via the first service for the first query, a first database storing the first type of data. The system executes a second service for a second query specified by the requests based on the second query specifying a second type of data. The system accesses, via the second service for the second query, a second database storing the second type of data. The system transmits results of the first database to a user device of the first query and results of the second database to a user device of the second query.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Cryptocurrency and stablecoin payment processing;
cryptocurrency and stablecoin exchange services; electronic
wallet services for trading, storing, sending, receiving,
validating, verifying, accepting, tracking, transferring,
and transmitting virtual currency, and managing virtual
currency payment and exchange transactions; fraud and
mistaken transaction reimbursement services, namely,
reimbursement of payment purchase processing for
transactions concerning lost, damaged, misrepresented, or
incorrect products or services; providing purchase
protection services, namely, providing payment dispute
resolution services and reimbursement services for disputed
transactions in the field of electronic payment purchases;
financial and banking services, namely, debit card and
credit card transaction processing services featuring cash
back rewards to customers that make incentivized purchases;
electronic funds transfer; processing electronic payment
transactions and electronic funds transfers via automated
clearing house (ACH), credit card, debit card, electronic
check and electronic, mobile and online payment platforms;
electronic currency transfer services, namely, electronic
splitting and sharing of funds between users.
65.
IMAGE REPAIR OF CAPTURED DOCUMENT IMAGES FOR DOCUMENT IMAGE SUBMISSIONS USING A GENERATIVE ARTIFICIAL INTELLIGENCE
There are provided systems and methods for image repair of captured document images for document image submissions using generative artificial intelligence (AI). A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities including for electronic transaction processing. When utilizing these services, document verification may be required to verify a document. A user may capture an image of a document, such as a driver's license, and an image repair generative AI may determine if image repair may be necessary to improve an image quality of the image. The generative AI may be trained using multiple neural networks to generate and distinguish between different image qualities. The generative AI may therefore generate image data that improves the image quality and allows for verification of content in the image.
G06V 30/12 - Détection ou correction d’erreurs, p. ex. en effectuant une deuxième exploration du motif
G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
Techniques are disclosed relating to executing a bifurcated computer system for different types of data processing. The system receives a plurality of requests to execute queries and executes a first service of the system for a first query specified by the requests based on the first query specifying a first type of data. The system accesses, via the first service for the first query, a first database storing the first type of data. The system executes a second service for a second query specified by the requests based on the second query specifying a second type of data. The system accesses, via the second service for the second query, a second database storing the second type of data. The system transmits results of the first database to a user device of the first query and results of the second database to a user device of the second query.
Techniques are disclosed relating to determining a minimum search region with a threshold number of entities within the minimum search region. In some embodiments, a system selects, based on a location of a user device, a first region, where the location of the device is at a center of the first region. The system executes, based on the first region, a query on a database storing entity locations. The system increases the first region by a specified amount to generate a second search region, where the increasing is based on determining that entities returned by the first query does not satisfy an entity threshold requirement. The system executes, based on the second region, a second query on the database. In response to the second query returning a number of entities that satisfy the threshold requirement, the system causes display, at the device, of the entities returned by the second query.
Methods and systems are presented for providing a container orchestration framework for facilitating development and deployment of software applications across different operating environments within an enterprise system. Upon receiving a service request for processing a set of data is received, the container orchestration framework determines one or more machines that store the set of data. Instead of processing the set of data remotely, the container orchestration framework deploys a container that encapsulates an application on the one or more machines. Each application instance running on the one or more machines are executed to process a corresponding subset of data stored on the machine locally. The container orchestration framework obtains the output data from executing the applications on each of the one or more machines, and present the output data as a response to the service request.
G06F 9/455 - ÉmulationInterprétationSimulation de logiciel, p. ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion. (1) Providing business information regarding money transfer services; business consulting services in the field of online payments; business management and administrative services, namely, bookkeeping, account reconciliation, invoicing, and the compilation, tracking, and reconciliation of data relating to credit card, debit card, ACH, prepaid card, payment card, and other payment transactions for business purposes, provided via electronic communications networks; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing.
(2) Electronic payment services involving electronic processing and subsequent transmission of bill payment data; payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; financial transaction services for digital wallets; electronic wallet payment services; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet.
(3) Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; application service provider (ASP) featuring application programming interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software and mobile application software for processing electronic payments, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; downloadable software for currency conversion; downloadable software for creating tokens that may be used to pay for products and services, and traded or exchanged for cash value; downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions. Electronic transfer of funds; clearing financial transactions via a global computer network and wireless networks; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; electronic foreign exchange payment processing services; issuance of stablecoins and tokens of value; stablecoin payment processing; stablecoin trading services; stablecoin exchange services; financial services, namely, providing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens for use by others; financial services, namely, digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transfer, exchange, and payment processing services; financial exchange services; providing a financial exchange for trading digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency exchange services, currency trading services, foreign currency dealing, and broker-dealer financial services in the field of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; currency transfer services; electronic transfer of cryptocurrency, digital currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; electronic wallet payment services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens, and for managing digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token, and utility token payment and exchange transactions; electronic payment processing of payments made via digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens; digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token transaction processing services for others; financial management of digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens, and utility tokens. Providing temporary use of online non-downloadable software for electronic payment processing, transferring funds to and from others, and issuing receipts regarding electronic payment transactions; application service provider (ASP) services featuring software for use in digital currency, virtual currency, cryptocurrency, stablecoin, digital and blockchain asset, digitized asset, digital token, crypto token and utility token exchanges and transactions; providing temporary use of online non-downloadable software for use in issuing digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for accepting, buying, selling, transmitting, and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for electronically trading, storing, sending, receiving, validating, verifying, accepting, tracking, and transferring digital currency, cryptocurrency, virtual currency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for managing, implementing, and validating digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, blockchain asset, digitized asset, digital token, crypto token and utility token payment and exchange transactions; providing temporary use of online non-downloadable software for use in payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for users to buy and sell products using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; providing temporary use of online non-downloadable software for currency conversion; providing temporary use of online non-downloadable software for use as a digital currency, virtual currency, cryptocurrency, stablecoin, digital asset, digital token, crypto token, and utility token wallet; providing temporary use of online non-downloadable software for encryption; providing temporary use of online non-downloadable software for verifying, evaluating, and securing transactions with blockchain technology; providing temporary use of online non-downloadable software for managing and facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and secure transactions.
71.
GRAPH NEURAL NETWORK WITH POINTED DIRECTIONAL MESSAGE PASSING
A graph network of a service provider is accessed. The graph network includes a plurality of nodes interconnected by a plurality of edges. A plurality of sub-graphs is generated. Each of the sub-graphs corresponds to a different portion of the graph network. Each of the sub-graphs includes a different subset of the plurality of nodes. A directional flow for information exchanges is defined between the nodes of each of the sub-graphs. A graph neural network (GNN) model is trained based on the defined directional flow. The trained GNN model is utilized to generate one or more predictions.
There are provided systems and methods for named entity recognition in chat dialogues for customer relationship management systems. A service provider, such as an electronic transaction processor for digital transactions, may provide live chat service channels for assistance through live agents and chatbot services. When interacting with these channels, a user may engage in a chat dialogue with live agents. This may include lines of texts corresponding to the exchanged messages and may include named entities for particular types or categories of words that refer to a particular object or thing. To identify these named entities, a natural language processor may utilize machine learning and other engines for named entity recognition in customer relationship management systems to highlight the named entities in live service chats. Agents of the systems may view content that identify the named entities and interact with the named entities to view descriptions.
Methods and systems are presented for stolen cookie detection. An authentication request is received for a user to access a website using a web browser executable at the user's device. A series of storage locations available on the device for storing web cookies is identified and sorted in order of increasing fraud risk starting from a first storage location. A cookie value for each storage location is retrieved from the device. For each storage location after the first: an expected cookie value is calculated based on the cookie value of a preceding storage location; the expected cookie value is compared with the value retrieved for the storage location; and a score representing a level of fraud risk for the storage location is assigned. The authentication request is processed based on whether the assigned score for at least one of the storage locations exceeds a predetermined risk tolerance for fraud detection.
Systems and methods for automatic generation of free-form conversational interfaces are disclosed. In one embodiment, a system receives an input from a user device through a conversational graphical user interface (GUI). An intent of the user may be determined based on the received input. Based on the intent of the user, the system may identify, from a plurality of objects available to the system, one or more objects. Each of the plurality of objects has annotations corresponding to one or more elements of the object and one or more functions of the object. The one or more functions corresponding to the one or more elements are executable to perform an action upon corresponding elements. Based on the identified one or more objects and the annotations of the identified one or more objects, the system may generate a dynamic dialogue flow for the conversational GUI, where the dynamic dialogue flow is generated in real-time during a conversational GUI session.
G06F 16/9035 - Filtrage basé sur des données supplémentaires, p. ex. sur des profils d'utilisateurs ou de groupes
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel
H04L 51/216 - Gestion de l'historique des conversations, p. ex. regroupement de messages dans des sessions ou des fils de conversation
75.
SCENARIO-BASED DECISIONING BY MACHINE LEARNING MODELS FOR DATA PROCESSING RETRY SUCCESS
There are provided systems and methods for scenario-based decisioning by machine learning models for data processing retry success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction or other request when processed with a data processing system. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, machine learning models may be implemented that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. This may be done when the transactions are received or detected, which may occur prior to failures, for different scenario-based decisioning. Scenarios for failures may be processed by the models with different retry strategies and a predictive score may be used to predict a probability of success of the retry.
G06F 11/07 - Réaction à l'apparition d'un défaut, p. ex. tolérance de certains défauts
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
76.
RULE GENERATION AND MANAGEMENT USING MACHINE LEARNING
The disclosed computer-implemented method includes calculating, from transaction data, a statistical change in data entries corresponding to a type of transaction and modeling a transaction rule for normalizing the statistical change by changing an acceptance standard of the type of transaction. The method further includes activating the transaction rule to update a live database system for entering real-time data entries. Various other methods, systems, and computer-readable media are also disclosed.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
77.
Execution of Machine Learning Models at Client Devices
Techniques are disclosed relating to the execution of machine learning models on client devices, particularly in the context of transaction risk evaluation. This reduces computational burden on server systems. In various embodiments, a server system may receive, from a client device, a request to perform a first operation and select a first machine learning model, from a set of machine learning models, to send to the client device. In some embodiments the first machine learning model is executable, by the client device, to generate model output data for the first operation based on one or more encrypted input data values that are encrypted with a cryptographic key inaccessible to the client device. The server system may send the first machine learning model to the client device and then receive, from the client device, a response message that indicates whether the first operation is authorized based on the model output data.
Data features are accessed from a plurality of sources. The data features pertain to a plurality of users. The data features are inputted into a predictive model. An output is generated via the predictive model. The output of the predictive model is inputted into a plurality of adversarial models. The adversarial models include different types of protected attributes. At least some of the protected attributes are non-binary. Noise is introduced to the predictive model via each of the adversarial models of the plurality of adversarial models. The output of the predictive model is updated after the noise has been introduced to the predictive model. One or more decisions involving the plurality of users are generated at least in part via the updated output of the predictive model.
Methods and systems are presented for providing a data control framework that enables storing, sharing, and transferring of data in a secure manner. Data files stored in data repositories are scanned. Content associated with different section of each data file is analyzed, and each section is tagged with a sensitivity level based on the content and a subject matter derived for the data file. Each data file is also assigned to a clearance classification based on an expected viewer of the data file. When sections from a first data file is being transferred to a second data file, a data control mechanism is triggered. If a particular section from the first data file is incompatible with the second data file, the data control mechanism may prevent the particular section from being transferred to the second data file, while allowing the remaining sections being transferred to the second data file.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion. (1) Providing business information regarding money transfer services; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing.
(2) Electronic payment services involving electronic processing and subsequent transmission of bill payment data; payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; providing a payment network for facilitating transactions from digital wallets; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the Internet.
(3) Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; application service provider (ASP) featuring application programming interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing business information regarding money transfer services; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; providing a payment network for facilitating transactions from digital wallets; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; Application Service Provider (ASP) featuring Application Programming Interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion. Providing business information regarding money transfer services; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing. Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; providing a payment network for facilitating transactions from digital wallets; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; Application Service Provider (ASP) featuring Application Programming Interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion. Providing business information regarding money transfer services; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing. Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; providing a payment network for facilitating transactions from digital wallets; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet. Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; Application Service Provider (ASP) featuring Application Programming Interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for processing electronic payments and for transferring funds to and from others; downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; downloadable computer software and downloadable mobile application software for facilitating electronic commerce transactions; downloadable software for use as a digital wallet; downloadable software for connecting digital wallets; downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; downloadable computer software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software for currency conversion Providing business information regarding money transfer services; business consulting services in the field of online payments; business managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial information processing; money transfer services; electronic funds transfer services; bill payment services; providing a payment network for facilitating transactions from digital wallets; providing financial services, namely, bill payment services provided via a digital wallet and providing secure commercial transactions; transaction processing services for bank accounts, debit cards, and credit cards on embedded digital wallets, cross-border money transfers to banks and mobile wallets with real time currency exchange rates; clearing financial transactions via a global computer network and wireless networks; credit card and debit card transaction processing services; processing of electronic wallet payments; currency exchange services; electronic commerce payment services, namely, establishing funded accounts used to facilitate transactions and purchases on the internet Providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; Application Service Provider (ASP) featuring Application Programming Interface (API) software for facilitating payment transactions and financial information processing; providing temporary use of online non-downloadable software for facilitating money transfer services, electronic funds transfer services, bill payment remittance services, electronic processing and transmission of payments and payment data; providing temporary use of online non-downloadable software for facilitating electronic commerce transactions; providing temporary use of online non-downloadable software for use as a digital wallet; providing temporary use of online non-downloadable software for connecting digital wallets; providing temporary use of online non-downloadable software for connecting, integrating, and enabling transfer of funds between digital wallets and financial accounts; providing temporary use of online non-downloadable software for linking independent financial accounts and digital wallets, enabling migration of data and transfers of funds between independent third party financial accounts and digital wallets, and establishing secure connections between independent financial accounts and digital wallets; providing temporary use of online non-downloadable software for use for financial account management, namely, software for managing and facilitating financial transactions and funds transfers for bank accounts, credit card accounts, debit card accounts, and digital wallets; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for currency conversion
85.
REAL-TIME SUGGESTED ACTIONS BASED ON USER PROFILE ATTRIBUTES
Techniques are disclosed relating to generating real-time suggested actions for a user based on their user profile attributes. In various embodiments, a server system may select, in real-time, a particular action to suggest to a user based on profile attributes associated with a user account of the user. The server system may then provide a message indicative of this particular action to a user device associated with the user. In some embodiments, the server system may then receive an indication that the user has initiated the particular action. In response to this indication, the server system may update the profile attributes associated with the user account to indicate that the user has initiated the particular action. Using these updated profile attributes, the server system may then select, in real-time, an updated action to suggest to the user that is different from the particular action.
G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur
G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p. ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
Techniques for providing access to scope-delimited sensitive data are disclosed. A user provides sensitive data to a first party associated with a payment service provider. The first party stores the sensitive data with the payment service provider, and the payment service provider provides the first party merchant with an encoding of the payment data. The first party provides a purchasing opportunity to the user for goods offered by a third party also associated with the payment service provider. The first party transmits a sensitive data grant request to the payment service provider. In response, the payment service provides a scope-delimited encoding of the sensitive data. The first party provides the scope-delimited encoding of the payment data to the third party. The third party merchant creates a transaction using the scope-delimited encoding of the sensitive data. At some time later, access to the scope-delimited encoding of the sensitive data is revoked.
Methods and systems are presented for bot detection. A movement of a pointing device is tracked via a graphical user interface (GUI) of an application executable at a user device. Movement data associated with different locations of the pointing device within the GUI is obtained. The movement data is mapped to functional areas corresponding to a range of the different locations of the pointing device within the GUI over consecutive time intervals. At least one vector representing a sequence of movements for at least one trajectory of the pointing device through one or more of the functional areas and a duration the pointing device stays within each functional area is generated. At least one trained machine learning model is used to determine whether the sequence of movements of the pointing device was produced through human interaction with the pointing device by an actual user of the user device.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable and recorded software for processing electronic
payments and for transferring funds to and from others;
downloadable and recorded software for remittance, transfer
of funds, stored value accounts, debit card transactions,
credit card transactions, and financial transactions and
account notifications; downloadable and recorded software
for creating, preparing, managing, sending, processing,
tracking, and reconciling invoices; downloadable and
recorded software for issuing receipts regarding mobile
payment transactions; downloadable and recorded
authentication software for controlling access to and
communications with computers and computer networks;
downloadable and recorded software for creating and managing
a business and an online store, namely, inventory
management, order processing, order tracking, fulfillment of
orders, sales tracking, collection of sales data, and sales
analytics; downloadable and recorded computer software for
generating and soliciting business funding and investments;
downloadable and recorded software for managing customer
relations (CRM) and loyalty programs, namely, software to
create, manage, and analyze customer contact and account
information, generate and track customer loyalty programs,
and generate reports; downloadable and recorded software
used for point of sale transactions; downloadable and
recorded computer software used to train and manage
employees, record employee hours worked, and generate
payroll processing; downloadable software development kits
(SDK); computer hardware for making, authenticating,
facilitating, operating, managing, and processing payment
transactions with credit cards, debit cards, prepaid cards,
payment cards, gift cards, and other payment forms;
electronic devices, namely, point of sale terminals, chip
card readers, credit card readers, payment card readers,
magnetic encoded and coded card readers, and mobile card
readers; charging stands adapted for use with handheld
digital electronic devices namely, cell phones, MP3 players,
personal digital assistants, point of sale terminals, chip
card readers, credit card readers, payment card readers, and
mobile card readers; credit card reader stands; tablet and
mobile device stands; barcode scanners; receipt printers;
cash drawers. Promoting the sale of goods and services of others by means
of contests and incentive award programs; providing
incentive award programs through issuance and processing of
loyalty points for purchase of the goods and services of
others; providing incentive award programs through the
issuance of gift cards, prepaid gift cards, prepaid stored
value cards for the purpose of promoting and rewarding
loyalty, discounts, offers, deals, coupons, rebates,
rewards, and vouchers to participants for the purchase of
the goods and services of others; customer loyalty services
for commercial, promotional and/or advertising purposes,
namely, administration of a program that allows participants
to obtain and redeem points or awards for goods and/or
services; business consulting services in the field of
online payments; managing and tracking credit card, debit
card, ACH, prepaid cards, payment cards, and other forms of
payment transactions via electronic communications networks
for business purposes; business information management,
namely, electronic reporting of business analytics relating
to payment processing, authentication, tracking, and
invoicing; business management, namely, optimization of
payments for businesses; reconciling financial transactions. Financial services, namely, electronic funds transfer;
clearing financial transactions; financial services, namely,
payment collection, payment transactions and information
processing; providing a wide variety of payment and
financial services, namely, issuing credit cards and lines
of credit, electronic payment services involving electronic
processing and subsequent transmission of bill payment data,
bill payment services with guaranteed payment delivery, all
conducted via a global communications network; credit card
transaction processing services; debit card transaction
processing services; electronic foreign exchange payment
processing; payment processing services, namely, providing
virtual currency transaction processing services for others;
processing electronic payments made through prepaid cards;
providing electronic mobile payment services for others;
providing electronic processing of electronic funds
transfer, ACH, credit card, debit card, check transactions
and payments; credit services, namely, providing revolving
credit account services; bill payment services; fund wiring
services; providing electronic payment services via ATM
machines and point-of-sale (POS) merchants, namely,
providing secure commercial transactions and payment options
using a mobile device at a point of sale; providing payment
collection, payment transaction processing, financial
remittance, transfer of funds to make payments, payment
services using stored value accounts, and debit card
transaction processing to make payments via an online
portal; financial risk management services; financial
transaction analysis, namely, financial analysis of payment
transactions and stored value card and debit card
transactions; providing purchase protection services for
goods and services purchased by others via a global computer
network and wireless networks, namely, providing fraud
reimbursement services in the field of credit card purchases
and electronic payment purchases, and providing secure
commercial transactions for credit card purchases and
electronic payment purchases; reimbursement of funds for
disputed items in the field of electronic payment purchases;
loyalty program and incentive award program payment
processing services. Providing temporary use of online non-downloadable software
for processing electronic payments and for transferring
funds to and from others; providing temporary use of online
non-downloadable software for remittance, transfer of funds,
stored value accounts, debit card transactions, credit card
transactions, financial transactions and account
notifications; providing temporary use of online
non-downloadable software for creating, preparing, managing,
sending, processing, tracking, and reconciling invoices;
providing temporary use of online non-downloadable software
for issuing receipts regarding mobile payment transactions;
providing temporary use of online non-downloadable
authentication software for controlling access to and
communications with computers and computer networks;
providing temporary use of online non-downloadable software
for creating and managing a business and an online store,
namely, inventory management, order processing, order
tracking, fulfillment of orders, sales tracking, collection
of sales data, and sales analytics; providing temporary use
of online non-downloadable computer software for managing
customer relations (CRM) and loyalty programs, namely,
software to create, manage, and analyze customer contact and
account information, generate and track customer loyalty
programs, and generate reports; providing online temporary
use of non-downloadable computer software used for point of
sale transactions; providing temporary use of online
non-downloadable computer software used to train and manage
employees, record employee hours worked, and generate
payroll processing; application service provider featuring
application programming interface (API) software for payment
collection, payment transactions, and information
processing; providing temporary use of online
non-downloadable software for customizing application
programming interfaces (APIs), integrating pay in methods to
digital wallets, sharing payment data between users and
generating reports, managing disputed charges, and
automating chargebacks; application service provider (ASP)
featuring application programming interface (API) software
for payment collection, payment transactions, forwarding
data and information processing; electronic monitoring of
financial transactions for fraud, money laundering, and
illegality in the field of electronic fund transfer and
electronic payment processing services; providing temporary
use of online non-downloadable computer software for
tracking and analyzing payment activity; providing temporary
use of online non-downloadable software to evaluate and
detect fraud and illegality in payment transactions, and
manage compliance validation.
89.
SERVER DEVICE CONFIGURATIONS BASED ON MACHINE LEARNING
A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
H04W 4/21 - Signalisation de servicesSignalisation de données auxiliaires, c.-à-d. transmission de données par un canal non destiné au trafic pour applications de réseaux sociaux
90.
SYSTEMS AND METHODS EMPLOYING A ROUTER FOR ELECTRONIC TRANSACTIONS
A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
H04W 88/00 - Dispositifs spécialement adaptés aux réseaux de télécommunications sans fil, p. ex. terminaux, stations de base ou points d'accès
Latency, response times, and efficiency improvements for data querying are provided herein, particularly in the context of querying large database systems and data tables from disparate data sources. There are provided systems and methods for automatic query and data retrieval optimization through procedural generation of data tables from query patterns. A service provider may utilize different computing services for query processing and data retrieval for different applications and services used by internal and/or external users. Instead of querying large database systems and numerous data tables, pre-aggregated data tables may instead be used and searched by procedurally generating such tables based on precomputation rules and query patterns. Once patterns have been identified in queries, corresponding data may be aggregated from data sources in a pre-aggregated data table. Query optimization rules may then be used to have these data tables queried in place of their original sources.
A computer-implemented method may include receiving an image to analyze for potential objects; providing the image as input to a pretrained machine learning model, where the pretrained machine learning model is trained to detect a known object that corresponds to a predefined category within the pretrained machine learning model or a generic object; determining based on output from the pretrained machine learning model, that the image comprises an instance of a generic object; performing, based on determining that the image comprises an instance of a generic object, a similarity search between the image and a library of images; and determining, for the instance of the generic object, a specific category defined by the library of images based at least in part on the similarity search. Various other methods and systems are also disclosed.
G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p. ex. des objets vidéo
G06V 10/74 - Appariement de motifs d’image ou de vidéoMesures de proximité dans les espaces de caractéristiques
Systems and techniques for facilitating detection of data duplication issues relating to generation of non-fungible tokens are provided. In various embodiments, a computer system can access a digital artwork image. In various aspects, the computer system can generate a set of plagiarism probabilities by comparing the digital artwork image to a set of cached digital artwork images. In various instances, a given plagiarism probability in the set of plagiarism probabilities can indicate a likelihood that the digital artwork image was derived from a given cached digital artwork image in the set of cached digital artwork images. In various cases, the computer system can calculate an authenticity score for the digital artwork image based on the set of plagiarism probabilities. In various aspects, the computer system can determine whether the authenticity score for the digital artwork image satisfies a threshold authenticity value.
A method and system for detecting slow page load is provided. An example system comprises a page request detector, a time-out module, a time-out monitor, and a lightweight page requestor. The page request detector may be configured to detect a request for a web page. The time-out module may be configured to commence a time-out period in response to a request for a web page. The time-out module cooperates with the time-out monitor that may be configured to determine that rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period. The lightweight page requestor may be configured to cause a lightweight version of the requested page to be provided to the client system when the time-out monitor determines that the rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period.
Systems and methods for real-time electronic service processing adjustments are disclosed. In an embodiment, a computer system may determine that a user account activity has triggered an assessment checkpoint from a plurality of assessment checkpoints in a life cycle of a user account. The computer system may retrieve data from the assessment checkpoint and update a lifetime score for the user account based on the retrieved data. The computer system may update the lifetime score by weighting the retrieved data as one or more features in a linear-weighted lifetime score model, for the life cycle. The computer system may adjust a response threshold for the assessment checkpoint based on the updated lifetime score.
A machine learning engine may be trained using artificial intelligence techniques and used according to techniques discussed herein. While an initial electronic transaction for a resource may be permitted, a subsequent related transaction to the initial electronic transaction may be analyzed in view of additional electronic information that was not available at the time of the initial transaction. Analysis of the subsequent related transaction, using the machine learning engine, may indicate a new classification related to the resource and/or the acquisition of the resource. Based on this new classification, usage of the resource may be restricted and/or denied, and the initial transaction for the resource may even be canceled retroactively.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p. ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
There are provided systems and methods for a guided web crawler for automated identification and verification of webpage resources. A service provider, such as an online transaction processor, may provide a guided web crawler and/or resources for such crawler for execution by computing devices of users. Users may load different pluggable modules to the guided web crawler, which are associated with specific web crawling tasks. Web crawling tasks may correspond to identification and verification of webpage resources on a webpage, such as a location, placement, use of, and/or number of appearances of the resource. The web crawler may use code from the pluggable module being executed to parse and/or crawl webpage data for a webpage and identify requested resources. Thereafter, the guided web crawler may automate resources to use, display, and/or interact with the identified and verified resource.
There are provided systems and methods for configuration-driven efficient transformation of formats and object structures for data specifications in computing services. A service provider, such as an electronic transaction processor for digital transactions, may utilize different computing services that implement rules and artificial intelligence models for decision-making of data including data in production computing environment. Different services may process data in different data formats and structures. However, transformation of data between different services, such as a gateway service that may receive data processing requests and/or data objects and downstream services that may process such requests and objects, may take significant time and resources. A configuration-driven data transformation platform may intelligently create code for and select from transformers that may be used for data transformations. When selected, the transformers may transform data between services faster and more efficiently by being specifically selected based on past performances and code configurations.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
36 - Services financiers, assurances et affaires immobilières
Produits et services
(1) Cryptocurrency and stablecoin payment processing; cryptocurrency and stablecoin exchange services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; fraud and mistaken transaction reimbursement services, namely, reimbursement of payment purchase processing for transactions concerning lost, damaged, misrepresented, or incorrect products or services; providing purchase protection services, namely, providing payment dispute resolution services and reimbursement services for disputed transactions in the field of electronic payment purchases; financial and banking services, namely, debit card and credit card transaction processing services featuring cash back rewards to customers that make incentivized purchases; electronic funds transfer; processing electronic payment transactions and electronic funds transfers via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payment platforms; electronic currency transfer services, namely, electronic splitting and sharing of funds between users.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; downloadable software for use as an electronic wallet; magnetically encoded debit cards and credit cards; downloadable software that promotes the goods and services of others by providing information regarding rewards, discounts, cash back offers, coupons, rebates, vouchers and special offers for goods and services; downloadable software for the electronic transfer of money; downloadable software that allows users to transfer money, split money, and share money; downloadable software for processing electronic payment transactions and funds transfers made via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payment platforms. (1) Advertising, marketing, and promotion services; administering promotional and incentive rewards programs, namely, rewards, discounts, and promotional programs featuring discounts and the ability to earn rewards on third-party products and services; debit and credit card incentive reward programs, namely, providing cash back rewards to debit card and credit card account holders; promoting the goods and services of others by providing information regarding rewards, discounts, coupons, rebates, vouchers and special offers for goods and services; promoting the goods and services of others, namely, providing links to the websites of others; retail and wholesale services for web application and server software, including e-commerce and e-payment software; promoting the goods and services of others via offering rewards, discounts, and promotions through a mobile application.
(2) Cryptocurrency and stablecoin payment processing; cryptocurrency and stablecoin exchange services; electronic wallet services for trading, storing, sending, receiving, validating, verifying, accepting, tracking, transferring, and transmitting virtual currency, and managing virtual currency payment and exchange transactions; fraud and mistaken transaction reimbursement services, namely, reimbursement of payment purchase processing for transactions concerning lost, damaged, misrepresented, or incorrect products or services; providing purchase protection services, namely, providing payment dispute resolution services and reimbursement services for disputed transactions in the field of electronic payment purchases; financial and banking services, namely, debit card and credit card transaction processing services featuring cash back rewards to customers that make incentivized purchases; electronic funds transfer; processing electronic payment transactions and electronic funds transfers via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payment platforms; electronic currency transfer services, namely, electronic splitting and sharing of funds between users.
(3) Software as a service (SaaS) services featuring software for sending, receiving, accepting, buying, selling, storing, transmitting, trading and exchanging digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; software as a service (SaaS) services featuring software for use in processing payments, purchases, and investments using digital currency, virtual currency, cryptocurrency, stablecoins, digital and blockchain financial assets, digitized assets, digital tokens, crypto tokens and utility tokens; software as a service (SaaS) services featuring software that promotes the goods and services of others by providing information regarding rewards, discounts, cash back offers, coupons, rebates, vouchers and special offers for goods and services; software as a service (SaaS) services featuring software for the electronic transfer of money; software as a service (SaaS) services featuring software that allows users to transfer money, split money, and share money; software as a service (SaaS) services featuring software for processing electronic payment transactions and funds transfers made via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payment platforms; software as a service (SaaS) services featuring software for use as an electronic wallet.
