A contextually augmented transformer neural network is provided. Contextual data objects, such as subsequence contexts, token-level contexts, and token-to-token contexts, are embedded into an attention mechanism to provide the contextually augmented transformer neural network. The contextual data object is ingested with a sequence data object to improve attention mechanisms such as the query-key-value mechanism. The contextually augmented transformer neural network generates outputs based on input data including sequence data objects and contextual data objects. The contextual data object may be a different data type than the data included in the sequence data object and may not be a part of the sequence data object. The contextually augmented transformer neural network provides improved efficiency and accuracy in comparison to other neural networks.
A first Vision-Language Model (VLM) in a first branch identifies a first set of fields in input data using a visualized first set of bounding boxes (BB). The first VLM labels and outputs a labeled first set of fields. A first agentic AI in the first branch localizes and outputs an identified field as a desired type of filed using a visualized identified BB. A second VLM in a second branch identifies a second set of fields in the input data using a visualized second set of BBs. An MLLM uses the input data with the second set of BBs to output a set of recognizing field from the second set of BBs. A second agentic AI in the second branch and labels a target field. A training data set is formed by combining the input data, labeled identified field, and the labeled target field.
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
G06V 30/414 - Extraction de la structure géométrique, p. ex. arborescenceDécoupage en blocs, p. ex. boîtes englobantes pour les éléments graphiques ou textuels
One exemplary aspect concerns a system that includes a communications circuit, logic circuitry and an interface circuit working together to aggregate and provide feedback on indications of ongoing use of various assets such as in use in and around a residence. For each asset, the communications circuit and logic circuitry are used to receive and aggregate ongoing-use indications, access a profile indicating an asset-related lifecycle, and in response execute an algorithm to adjust a valuation score of the asset. The interface circuit may report on the ongoing use of said at least one of the plurality of disparate assets. In a more specific example, the valuation score is associated with one or more environmental-related components that appreciate and/or depreciate with ongoing use of the asset over portions of the lifecycle, and the assets may be residence-related such as including solar panels, IoTs, battery-assisted vehicles, and HVAC appliances.
G06Q 10/20 - Administration de la réparation ou de la maintenance des produits
G06F 11/07 - Réaction à l'apparition d'un défaut, p. ex. tolérance de certains défauts
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
4.
AUDITABLE AUTHORSHIP ATTRIBUTION WITH EVENT TRACKING AND MOCK CONTENT
A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p. ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06F 16/2458 - Types spéciaux de requêtes, p. ex. requêtes statistiques, requêtes floues ou requêtes distribuées
G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques
G06F 18/22 - Critères d'appariement, p. ex. mesures de proximité
G06F 30/27 - Optimisation, vérification ou simulation de l’objet conçu utilisant l’apprentissage automatique, p. ex. l’intelligence artificielle, les réseaux neuronaux, les machines à support de vecteur [MSV] ou l’apprentissage d’un modèle
Apparatuses, systems, methods, and computer program products for generating interaction sequence disruption predictions. The interaction sequence disruption predictions are generated based on event indicators associated with a first domain and a subject entity, and the interaction sequence disruption predictions are associated with a second domain. An interaction sequence disruption prediction model is equipped with an attention mechanism to determine target timeframes of times series data objects generated based on the event indicators. Interaction sequence disruption predictions can include a disruption type, category, sub-category, predicted start time, predicted duration, predicted number of interactions, or a predicted number of actions per unit of time. Interaction sequence disruption predictions can further include a predicted deviation of a quantifiable feature in comparison to the quantifiable feature prior to a start of the predicted interaction sequence disruption.
A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
Methods and systems for processing a financial instrument, such as a check, are provided. An example method includes performing a text extraction process on a check image to obtain check textual information, and decoding an intelligent mail barcode (IMB) in the check image to obtain a character code. The method further includes utilizing the character code to extract encoded check information including a payee ZIP code from the IMB. The method also includes performing a fraud detection process on the check image based on at least one of (1) scores generated during the text extraction process, or (2) inconsistency between the check textual information and the encoded check information.
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
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/416 - Extraction de la structure logique, p. ex. chapitres, sections ou numéros de pageIdentification des éléments de document, p. ex. des auteurs
G06V 30/42 - Reconnaissance des formes à partir d’images axée sur les documents basées sur le type de document
A process for validating a user using existing secure infrastructure, such as Automated Teller Machines (ATMs). The process can be modified to incorporate further aspects that verify information about a user (e.g., an identifier of a user, a location of the user) or verifying capabilities of a user (e.g., ability to receive messages via a communication channel, such as a telephone number, email address, or mailing address).
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
An embodiment includes receiving, from a device, at an authentication service, a dynamic user identifier having a one-time password in an authentication message constructed to carry the dynamic user identifier in place of a pre-determined user identifier of a user. The embodiment locates in a profiles database, using a customized search query with a code based on the dynamic user identifier, a user profile. The embodiment receives at the authentication service, a secondary identification data of the user including a biometric information of the user. The embodiment validates the biometric information using the user profile and enables, when the validating is successful, the device to perform an operation. The enabling is not based on the authentication service validating an entirely static user identifier and is not based on the authentication service validating a manually typed password.
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p. ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 21/46 - Structures ou outils d’administration de l’authentification par la création de mots de passe ou la vérification de la solidité des mots de passe
10.
Automatic generation of compliant user interface code
An embodiment detects, in a structured data corresponding to a graphical user interface (UI) design, a UI component. The embodiment determines, using a compliance specification retrieved from a compliance system repository, that the UI component is non-compliant. The embodiment extracts a code block from the compliance system repository, where the code block is executable to render a compliant component in place of the UI component on a UI rendering from the UI design. The embodiment combines, to automatically output a front-end UI code, the code block with generated code, the generated code corresponding to another element of the UI design, and the front-end UI code rendering a complete UI page corresponding to the UI design.
Systems and methods are provided for access control enforcement through real-time packet inspection and transaction screening. The system employs one or more processors and memory to execute instructions that analyze packet headers and payloads, enforce access control policies, and utilize machine learning-driven agentic systems to predict associations with sanctioned entities. By comparing packet data against sanction lists and employing hierarchical decision-making processes, the system blocks or flags high-risk packets.
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et services
Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments. Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data and related reference information. Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing an on-line computer web site that provides financial reporting, and related reference information; Preparing financial reports for others.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et services
Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments. Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data and related reference information. Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing an on-line computer web site that provides financial reporting, and related reference information; Preparing financial reports for others.
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
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 20/40 - 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
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
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 20/40 - 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
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
Various embodiments are directed to apparatuses, methods, computer program products, and systems related to multi-factor digital transmission screening. In some embodiments, an outbound digital transmission originating from a monitored enterprise management system may be detected. One or more data elements associated with the outbound digital transmission may be applied to one or more anomalous transmission prediction models to generate a prediction associated with the outbound digital transmission. The one or more anomalous transmission prediction models may comprise at least a contextual analytical model configured to generate the prediction associated with the outbound digital transmission based at least in part on historical digital transmission activity data based on a plurality of past digital transmissions originating from the monitored enterprise management system. Responsive to the prediction corresponding to an anomalous transmission prediction, performance of one or more data exfiltration mitigation actions to mitigate risk of data theft may be initiated.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et services
(1) Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments (1) Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Preparing financial reports for others
(2) Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et services
(1) Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments (1) Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Preparing financial reports for others
(2) Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
Produits et services
Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Preparing financial reports for others Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
Produits et services
Arranging and conducting incentive reward programs to promote the sale of credit cards Magnetically encoded credit cards Credit card payment processing services; Deposit account services; Issuance of credit cards; Merchant services, namely, payment transaction processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
Produits et services
Financial records management; Invoicing services; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Preparing financial reports for others Downloadable computer software for managing and verifying financial transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable software application that facilitates and manages invoicing, billing, and payments Banking and financing services; Charge card and credit card payment processing services; Financial risk management consultation; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Online banking services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments
One exemplary aspect concerns a system that includes a communications circuit, logic circuitry and an interface circuit working together to aggregate and provide feedback on indications of ongoing use of various assets such as in use in and around a residence. For each asset, the communications circuit and logic circuitry are used to receive and aggregate ongoing-use indications, access a profile indicating an asset-related lifecycle, and in response execute an algorithm to adjust a valuation score of the asset. The interface circuit may report on the ongoing use of said at least one of the plurality of disparate assets. In a more specific example, the valuation score is associated with one or more environmental-related components that appreciate and/or depreciate with ongoing use of the asset over portions of the lifecycle, and the assets may be residence-related such as including solar panels, IoTs, battery-assisted vehicles, and HVAC appliances.
G06Q 10/20 - Administration de la réparation ou de la maintenance des produits
G06F 11/07 - Réaction à l'apparition d'un défaut, p. ex. tolérance de certains défauts
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
23.
Buyer routing arrangements and methods for disparate network systems
In one example, electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and/or processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this example, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
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 20/38 - 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
Aspects of the embodiments described herein are related to systems, methods, and computer products for performing video redaction. When performing video redaction, a video is received and converted into a plurality of frames. For each of the frames, it is detected if one or more people are present in at least one of the plurality of frames. Bounding regions are determined for the detected people in each frame. The bounding regions are tagged with an identifier identifying the person associated with each bounding region. An icon identifying the detected person is determined and displayed on an interface as a selectable input, wherein each selectable input is selectable to redact or keep the detected person in the video. Once a selection to redact a person is received, the bounding regions of the selected person are filled with replacement pixels. The plurality of frames are then converted into a new video.
G11B 27/031 - Montage électronique de signaux d'information analogiques numérisés, p. ex. de signaux audio, vidéo
G06T 7/246 - Analyse du mouvement utilisant des procédés basés sur les caractéristiques, p. ex. le suivi des coins ou des segments
G06T 7/73 - Détermination de la position ou de l'orientation des objets ou des caméras utilisant des procédés basés sur les caractéristiques
G06V 10/22 - Prétraitement de l’image par la sélection d’une région spécifique contenant ou référençant une formeLocalisation ou traitement de régions spécifiques visant à guider la détection ou la reconnaissance
G06V 10/44 - Extraction de caractéristiques locales par analyse des parties du motif, p. ex. par détection d’arêtes, de contours, de boucles, d’angles, de barres ou d’intersectionsAnalyse de connectivité, p. ex. de composantes connectées
G06V 20/40 - ScènesÉléments spécifiques à la scène dans le contenu vidéo
G06V 20/52 - Activités de surveillance ou de suivi, p. ex. pour la reconnaissance d’objets suspects
G06V 40/16 - Visages humains, p. ex. parties du visage, croquis ou expressions
25.
Auditable authorship attribution with event tracking and mock content
A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
G06N 3/00 - Agencements informatiques fondés sur des modèles biologiques
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p. ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06F 30/27 - Optimisation, vérification ou simulation de l’objet conçu utilisant l’apprentissage automatique, p. ex. l’intelligence artificielle, les réseaux neuronaux, les machines à support de vecteur [MSV] ou l’apprentissage d’un modèle
A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
25 - Vêtements; chaussures; chapellerie
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
Magnetically encoded credit cards, stored value cards,
virtual payment credit cards, debit cards, prepaid debit
cards, and prepaid credit cards; downloadable computer
software and mobile application software for application
programming interface (API) access, deployment, management
and security and for integration of computer systems,
applications, data and databases; downloadable software in
the nature of a mobile application for facilitating and
administering banking, payment by credit card, payment by
debit card, payment by virtual payment card, stored value
card services, electronic funds transfer services,
electronic payment processing services, electronic
processing and transmission of bill payment data, cash
disbursement services, transaction authentication services,
cash management, and fraud detection and control services;
downloadable computer software and mobile application
software for application programming interface (API)
software for securely sharing business and consumer banking,
financial, and transaction data for networking of accounts
and data across institutions and for analysis, assessment,
and recommendations of financial risk; downloadable computer
software and mobile application software in the field of
banking, tracking and monitoring business-related expenses,
tracking, monitoring and managing travel-related expenses,
virtual payment card and mobile wallet; downloadable
computer software using artificial intelligence (AI) for
provision of financial information and banking management;
downloadable computer software for voice command and
recognition; computer software for use in providing and
benchmarking and researching airline, transportation and
travel rate information; downloadable computer software for
use in providing an incentive program for travel; wireless
chargers; wireless trackers; wireless speakers; headphones;
speakers; wireless charging pad; charging cable; sunglasses;
mouse pads; laptop sleeves; commercial and fleet credit
cards. Notebooks; journals; paper hand fans; banners; paper
backdrops; paper table top displays; all occasion cards;
pens; gift tissue; notepads; gift bags; paper ribbons;
stickers; adhesive notepads; highlighters; framed pictures;
pencils; calendars; paper cutters for letters [office
requisites]; crayons; lanyards for name badge holders;
shopping bags of paper or plastic; paper napkins; padfolios;
checkbook holders; money clips; coasters of paper;
identification luggage tags of paper; framed pictures. Clothing, namely shirts, blouses, t-shirts, sweatshirts,
pants, shorts, skirts, hats, collared shirts, winter hats,
baseball hats, polo shirts, socks, jackets, vests, baby
bibs; work gloves. Arranging and conducting incentive reward programs to
promote the sale of credit cards; promoting the goods and
services of others by means of the issuance of loyalty
rewards cards and by awarding purchase points for credit
card use; promoting the goods and services of others by
providing discount information, coupons, rebates, and
special offers via a website; advice and consultancy
relating to tax preparation; economic forecasting and
analysis; market analysis and research services;
advertising, marketing and promotion services; arranging and
conducting special events for business purposes; retail
services provided by concession stands featuring beverages,
clothing, food, and souvenirs; promoting sports competitions
and events of others; promoting business, community,
entertainment, and sporting events for others; retail store
services featuring sports clothing, collectibles,
memorabilia, and souvenirs; retail store services and online
retail store service featuring credit card processing
machines and software; promoting public awareness in the
field of financial wellness; providing business consulting
and marketing services; promoting public awareness in the
field of local business, food business, farmers' markets,
personal care services, health and wellness, and community
services; organizing and hosting community activities,
namely, product demonstrations, and organization and
operation of events and festivals for commercial,
promotional, and advertising purposes in the fields of local
business, food business, farmers' markets, personal care
services, health and wellness, and community services;
organizing and developing the charitable projects of others
for promoting and assisting in performing acts of kindness
and good deeds for others; promoting public awareness for
supporting local businesses; providing independent ratings
and reviews of other businesses for commercial purposes;
accounts receivable billing services; medical billing
business support services; advisory services for preparing
and carrying out commercial transactions; business data
management services for authenticating, verifying and
tracking commercial and business to business financial
transactions provided via an on-line computer web site;
providing account management, financial reporting,
accounting features and related business information via an
online computer web site; providing online business
management services including business transaction
management, transaction billing and computerized commercial
and business-to-business transaction tracking, data
processing and business information management services;
reconciling financial transactions via a global computer
network. Banking services; online banking services; mobile banking
services; ATM banking services; business banking services;
checking account services; cash management services;
financial management services; financing and loan services;
currency exchange services; electronic funds transfer;
government/treasury payment processing; providing banking
services and banking information by mobile telephone
connections, website, interactive voice response (IVR) over
telephone connections, chatbots, mobile applications,
artificial intelligence (AI), and the internet and other
interactive and electronic means; mortgage lending; home
equity loans; real estate lending services; Automated
Clearing House (ACH) transaction processing services; credit
card, prepaid credit card, debit card, prepaid debit card,
stored value card, and virtual payment credit card services;
issuing and transaction processing and payment processing
services for credit cards, stored value cards, virtual
payment credit cards, debit cards, prepaid debit cards, and
prepaid credit cards; financing of purchases; financial
payment processing services; providing purchase points and
other rewards, all in the nature of cash and other financial
incentives of monetary value, for credit card use as part of
a customer loyalty program; credit card debt cancellation
services; bill payment services; rental and lease of
processing equipment for credit, cash, debit and stored
value cards, all for banks, credit unions and savings and
loan associations; foreign exchange services; processing of
electronic wallet payments; banking services with an
incentive rewards program; clearing financial transactions
via a global computer network; issuing letters of credit;
financial services in the nature of electronic bill payment
and remittance processing services, namely, processing of
payment of electronically presented invoices; trust,
mortgage, insurance, investment, financial information
services and other financial services; providing venture
capital, working capital financing, development capital,
private equity and investment funding; providing grants,
educational scholarships, and financial assistance for
individuals, businesses, organizations, and communities;
financial advisory services; financial advice, namely,
budget planning; financial analysis and research services;
investment analysis and bond research; financial asset
management; financial investment services; financial
planning and investment advisory services; wealth management
services; financial analysis and providing financial
information; credit and cash management services; investment
and risk management services; financial products brokerage;
securities brokerage services; broker-dealer services;
brokerage of stocks, bonds, annuities, mutual funds, and
other securities; individual retirement account services;
issuance of traditional, market-linked and brokered
certificates of deposit; fiduciary services, namely,
fiduciary representative services; financial trust operation
services; estate trust administration and management
services, trusteeship representative services,
institutional, corporate, and personal trustee services;
trustee services; estate planning services; transfer agent
services; paying agent services; escrow agent services;
philanthropy consultation relating to charitable monetary
giving; charitable foundation services, namely, providing
financial assistance for programs and services of others;
automated teller machine or cash dispenser equipment leasing
and rental services; financial consultation in the
development of affordable housing, social service,
nonprofit, healthcare, commercial, retail, educational,
recreational and manufacturing businesses and renewable
energy; investment consultation, brokerage, and management
services; check and electronic payment verification
services; foreign exchange transaction services; financial
portfolio management services; auto lending services;
financial sponsorship of cultural events, charitable events,
concerts, sporting events, travel experiences, fine dining
events, festivals and awards shows; financial exchange of
digital currency; crypto custody services; digital currency
custody services. Educational services, namely, conducting classes, workshops,
seminars, conferences, podcasts, online seminars and
instructional classes and training programs in the field of
personal finance, money management, money planning related
to vehicle purchasing, financing and refinancing in the
metaverse and other virtual worlds, banking, finance,
investment, mortgage, lending, homeownership education, and
mortgage loan officer development, leadership and career
development, financial literacy, financial wellness,
financial education, personal branding, brand valuation, and
brand monetization; educational services, namely, conducting
financial wellness coaching and mentoring in the fields of
economic development, economic success, business leadership,
wealth creation, housing, home ownership, and career
development; educational services, namely, conducting
training programs in the field of banking and financial
products and services; educational and entertainment
services, namely, conducting special events programs and
community festivals for educational and entertainment
purposes; arranging and conducting special events for social
entertainment purposes; conducting guided tours of sports
facilities; entertainment services in the nature of
competitions, concerts, cultural events, exhibitions,
festivals, and sports events; organization of sports events
in the field of football; organizing community sporting and
cultural events; providing information relating to sports
and sporting events; providing sports facilities; rental of
stadium facilities; educational services, namely, conducting
classes, workshops, seminars, conferences, and programs to
address issues of diversity, equity, and inclusion in the
fields of economic development, economic success, business
leadership, wealth creation, housing, home ownership, and
career development; arena services, namely, providing
general purpose facilities for sports; arena services,
namely, providing general purpose facilities for concerts;
providing general purpose facilities for concerts, family
shows, festivals, sports events and social entertainment
events. Providing online non-downloadable computer software for
application programming interface (API) access, deployment,
management and security; providing on-line non-downloadable
computer software for integration of computer systems,
applications, data and databases and for securely sharing
business and consumer banking, financial, and transaction
data and for securely sharing business and consumer banking,
financial, and transaction data for analysis, assessment,
and recommendations of financial risk; providing an online
non-downloadable Internet-based system application featuring
technology enabling users to track, monitor and submit
expenses; computer services, namely, providing search
engines for obtaining travel data on a global computer
network and for use in providing and benchmarking airline,
transportation and travel rate information; software as a
service (SAAS) services featuring software for use in
managing, tracking and reporting on travel and business
expenses and creating budgets for the same; software as a
service (SAAS) services featuring software for use in
providing an incentive program for credit cards and for
travel; software as a service (SAAS) services featuring
software for use in researching, facilitating, managing and
making reservations for temporary accommodations; providing
on-line non-downloadable software using artificial
intelligence for allowing a chatbot character to interact
directly with banking customers through natural language
processing in the fields of banking and financing; providing
online non-downloadable software using artificial
intelligence for enabling banking customers to interact
directly with a chatbot character through natural language
processing in the fields of banking and financing; providing
online non-downloadable software for use in invoice
processing, invoice financing and processing invoice
payment, invoice payment status tracking, and invoice
expense allocation; providing online non-downloadable
software for use in invoice verification, allocating
expenses, and reconciling invoices with supporting documents
such as orders, contracts, and previous invoices; providing
online non-downloadable software for use in performing
regulatory and internal compliance checks; user
authentication services using technology for e-commerce
transactions; providing user authentication services using
technology embedded in credit cards and mobile phones for
e-commerce transactions; user authentication services using
technology for e-commerce transactions; providing user
authentication services using credit cards and mobile
phones. Providing of food and drink via a mobile truck; arena
services, namely, providing general purpose facilities for
conventions and exhibitions; bar services; catering
services; providing banquet and social function facilities
for special occasions; providing general purpose facilities
for business events, community events, conventions,
exhibitions, private banquet, trade shows, speaking events;
provision of conference, exhibition and meeting facilities;
serving of food and drink/beverages; providing information
in the field of arranging of temporary accommodations in
sharing economy rooms and temporary accommodations for
corporate business travelers via a website; providing
facilities for business meetings; providing facilities for
trade exhibitions.
An embodiment includes receiving, from a device, at an authentication service, a dynamic user identifier having a one-time password in an authentication message constructed to carry the dynamic user identifier in place of a pre-determined user identifier of a user. The embodiment locates in a profiles database, using a customized search query with a code based on the dynamic user identifier, a user profile. The embodiment receives at the authentication service, a secondary identification data of the user including a biometric information of the user. The embodiment validates the biometric information using the user profile and enables, when the validating is successful, the device to perform an operation. The enabling is not based on the authentication service validating an entirely static user identifier and is not based on the authentication service validating a manually typed password.
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p. ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 21/46 - Structures ou outils d’administration de l’authentification par la création de mots de passe ou la vérification de la solidité des mots de passe
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
25 - Vêtements; chaussures; chapellerie
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
Magnetically encoded credit cards, stored value cards,
virtual payment credit cards, debit cards, prepaid debit
cards, and prepaid credit cards; downloadable computer
software and mobile application software for application
programming interface (API) access, deployment, management
and security and for integration of computer systems,
applications, data and databases; downloadable software in
the nature of a mobile application for facilitating and
administering banking, payment by credit card, payment by
debit card, payment by virtual payment card, stored value
card services, electronic funds transfer services,
electronic payment processing services, electronic
processing and transmission of bill payment data, cash
disbursement services, transaction authentication services,
cash management, and fraud detection and control services;
downloadable computer software and mobile application
software for application programming interface (API)
software for securely sharing business and consumer banking,
financial, and transaction data for networking of accounts
and data across institutions and for analysis, assessment,
and recommendations of financial risk; downloadable computer
software and mobile application software in the field of
banking, tracking and monitoring business-related expenses,
tracking, monitoring and managing travel-related expenses,
virtual payment card and mobile wallet; downloadable
computer software using artificial intelligence (AI) for
provision of financial information and banking management;
downloadable computer software for voice command and
recognition; computer software for use in providing and
benchmarking and researching airline, transportation and
travel rate information; downloadable computer software for
use in providing an incentive program for travel; wireless
chargers; wireless trackers; wireless speakers; headphones;
speakers; wireless charging pad; charging cable; sunglasses;
mouse pads; laptop sleeves; commercial and fleet credit
cards. Notebooks; journals; paper hand fans; banners; paper
backdrops; paper table top displays; all occasion cards;
pens; gift tissue; notepads; gift bags; paper ribbons;
stickers; adhesive notepads; highlighters; framed pictures;
pencils; calendars; paper cutters for letters [office
requisites]; crayons; lanyards for name badge holders;
shopping bags of paper or plastic; paper napkins; padfolios;
checkbook holders; money clips; coasters of paper;
identification luggage tags of paper; framed pictures. Clothing, namely shirts, blouses, t-shirts, sweatshirts,
pants, shorts, skirts, hats, collared shirts, winter hats,
baseball hats, polo shirts, socks, jackets, vests, baby
bibs; work gloves. Arranging and conducting incentive reward programs to
promote the sale of credit cards; promoting the goods and
services of others by means of the issuance of loyalty
rewards cards and by awarding purchase points for credit
card use; promoting the goods and services of others by
providing discount information, coupons, rebates, and
special offers via a website; advice and consultancy
relating to tax preparation; economic forecasting and
analysis; market analysis and research services;
advertising, marketing and promotion services; arranging and
conducting special events for business purposes; retail
services provided by concession stands featuring beverages,
clothing, food, and souvenirs; promoting sports competitions
and events of others; promoting business, community,
entertainment, and sporting events for others; retail store
services featuring sports clothing, collectibles,
memorabilia, and souvenirs; retail store services and online
retail store service featuring credit card processing
machines and software; promoting public awareness in the
field of financial wellness; providing business consulting
and marketing services; promoting public awareness in the
field of local business, food business, farmers' markets,
personal care services, health and wellness, and community
services; organizing and hosting community activities,
namely, product demonstrations, and organization and
operation of events and festivals for commercial,
promotional, and advertising purposes in the fields of local
business, food business, farmers' markets, personal care
services, health and wellness, and community services;
organizing and developing the charitable projects of others
for promoting and assisting in performing acts of kindness
and good deeds for others; promoting public awareness for
supporting local businesses; providing independent ratings
and reviews of other businesses for commercial purposes;
accounts receivable billing services; medical billing
business support services; advisory services for preparing
and carrying out commercial transactions; business data
management services for authenticating, verifying and
tracking commercial and business to business financial
transactions provided via an on-line computer web site;
providing account management, financial reporting,
accounting features and related business information via an
online computer web site; providing online business
management services including business transaction
management, transaction billing and computerized commercial
and business-to-business transaction tracking, data
processing and business information management services;
reconciling financial transactions via a global computer
network. Banking services; online banking services; mobile banking
services; ATM banking services; business banking services;
checking account services; cash management services;
financial management services; financing and loan services;
currency exchange services; electronic funds transfer;
government/treasury payment processing; providing banking
services and banking information by mobile telephone
connections, website, interactive voice response (IVR) over
telephone connections, chatbots, mobile applications,
artificial intelligence (AI), and the internet and other
interactive and electronic means; mortgage lending; home
equity loans; real estate lending services; Automated
Clearing House (ACH) transaction processing services; credit
card, prepaid credit card, debit card, prepaid debit card,
stored value card, and virtual payment credit card services;
issuing and transaction processing and payment processing
services for credit cards, stored value cards, virtual
payment credit cards, debit cards, prepaid debit cards, and
prepaid credit cards; financing of purchases; financial
payment processing services; providing purchase points and
other rewards, all in the nature of cash and other financial
incentives of monetary value, for credit card use as part of
a customer loyalty program; credit card debt cancellation
services; bill payment services; rental and lease of
processing equipment for credit, cash, debit and stored
value cards, all for banks, credit unions and savings and
loan associations; foreign exchange services; processing of
electronic wallet payments; banking services with an
incentive rewards program; clearing financial transactions
via a global computer network; issuing letters of credit;
financial services in the nature of electronic bill payment
and remittance processing services, namely, processing of
payment of electronically presented invoices; trust,
mortgage, insurance, investment, financial information
services and other financial services; providing venture
capital, working capital financing, development capital,
private equity and investment funding; providing grants,
educational scholarships, and financial assistance for
individuals, businesses, organizations, and communities;
financial advisory services; financial advice, namely,
budget planning; financial analysis and research services;
investment analysis and bond research; financial asset
management; financial investment services; financial
planning and investment advisory services; wealth management
services; financial analysis and providing financial
information; credit and cash management services; investment
and risk management services; financial products brokerage;
securities brokerage services; broker-dealer services;
brokerage of stocks, bonds, annuities, mutual funds, and
other securities; individual retirement account services;
issuance of traditional, market-linked and brokered
certificates of deposit; fiduciary services, namely,
fiduciary representative services; financial trust operation
services; estate trust administration and management
services, trusteeship representative services,
institutional, corporate, and personal trustee services;
trustee services; estate planning services; transfer agent
services; paying agent services; escrow agent services;
philanthropy consultation relating to charitable monetary
giving; charitable foundation services, namely, providing
financial assistance for programs and services of others;
automated teller machine or cash dispenser equipment leasing
and rental services; financial consultation in the
development of affordable housing, social service,
nonprofit, healthcare, commercial, retail, educational,
recreational and manufacturing businesses and renewable
energy; investment consultation, brokerage, and management
services; check and electronic payment verification
services; foreign exchange transaction services; financial
portfolio management services; auto lending services;
financial sponsorship of cultural events, charitable events,
concerts, sporting events, travel experiences, fine dining
events, festivals and awards shows; financial exchange of
digital currency; crypto custody services; digital currency
custody services. Educational services, namely, conducting classes, workshops,
seminars, conferences, podcasts, online seminars and
instructional classes and training programs in the field of
personal finance, money management, money planning related
to vehicle purchasing, financing and refinancing in the
metaverse and other virtual worlds, banking, finance,
investment, mortgage, lending, homeownership education, and
mortgage loan officer development, leadership and career
development, financial literacy, financial wellness,
financial education, personal branding, brand valuation, and
brand monetization; educational services, namely, conducting
financial wellness coaching and mentoring in the fields of
economic development, economic success, business leadership,
wealth creation, housing, home ownership, and career
development; educational services, namely, conducting
training programs in the field of banking and financial
products and services; educational and entertainment
services, namely, conducting special events programs and
community festivals for educational and entertainment
purposes; arranging and conducting special events for social
entertainment purposes; conducting guided tours of sports
facilities; entertainment services in the nature of
competitions, concerts, cultural events, exhibitions,
festivals, and sports events; organization of sports events
in the field of football; organizing community sporting and
cultural events; providing information relating to sports
and sporting events; providing sports facilities; rental of
stadium facilities; educational services, namely, conducting
classes, workshops, seminars, conferences, and programs to
address issues of diversity, equity, and inclusion in the
fields of economic development, economic success, business
leadership, wealth creation, housing, home ownership, and
career development; arena services, namely, providing
general purpose facilities for sports; arena services,
namely, providing general purpose facilities for concerts;
providing general purpose facilities for concerts, family
shows, festivals, sports events, trade shows and social
entertainment events. Providing online non-downloadable computer software for
application programming interface (API) access, deployment,
management and security; providing on-line non-downloadable
computer software for integration of computer systems,
applications, data and databases and for securely sharing
business and consumer banking, financial, and transaction
data and for securely sharing business and consumer banking,
financial, and transaction data for analysis, assessment,
and recommendations of financial risk; providing an online
non-downloadable Internet-based system application featuring
technology enabling users to track, monitor and submit
expenses; computer services, namely, providing search
engines for obtaining travel data on a global computer
network and for use in providing and benchmarking airline,
transportation and travel rate information; software as a
service (SAAS) services featuring software for use in
managing, tracking and reporting on travel and business
expenses and creating budgets for the same; software as a
service (SAAS) services featuring software for use in
providing an incentive program for credit cards and for
travel; software as a service (SAAS) services featuring
software for use in researching, facilitating, managing and
making reservations for temporary accommodations; providing
on-line non-downloadable software using artificial
intelligence for allowing a chatbot character to interact
directly with banking customers through natural language
processing in the fields of banking and financing; providing
online non-downloadable software using artificial
intelligence for enabling banking customers to interact
directly with a chatbot character through natural language
processing in the fields of banking and financing; providing
online non-downloadable software for use in invoice
processing, invoice financing and processing invoice
payment, invoice payment status tracking, and invoice
expense allocation; providing online non-downloadable
software for use in invoice verification, allocating
expenses, and reconciling invoices with supporting documents
such as orders, contracts, and previous invoices; providing
online non-downloadable software for use in performing
regulatory and internal compliance checks; user
authentication services using technology for e-commerce
transactions; providing user authentication services using
technology embedded in credit cards and mobile phones for
e-commerce transactions; user authentication services using
technology for e-commerce transactions; providing user
authentication services using credit cards and mobile
phones. Providing of food and drink via a mobile truck; arena
services, namely, providing general purpose facilities for
conventions and exhibitions; bar services; catering
services; providing banquet and social function facilities
for special occasions; providing general purpose facilities
for business events, community events, conventions,
exhibitions, private banquet, speaking events; provision of
conference, exhibition and meeting facilities; serving of
food and drink/beverages; providing information in the field
of arranging of temporary accommodations in sharing economy
rooms and temporary accommodations for corporate business
travelers via a website; providing facilities for business
meetings; providing facilities for trade exhibitions.
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
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 20/40 - 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
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
31.
CONTROL ASSESSMENT SYSTEMS, METHODS AND PROGRAM PRODUCTS
Methods, systems, and computer program products are provided for improving a network by modeling control strength of network nodes. Design and implementation (DIS) scores are calculated for each of a plurality of nodes. An initial strength (InitCS) corresponding to any control performed by the node is determined. n-subgraphs are generated based on a network graph. For each node in the subgraph of the n-subgraphs, a modified control strength (ModCS) corresponding to a combination of the InitCS, a weakening factor derived from a combination of a ModCS of a plurality of upstream nodes, and a reliance coefficient (RC) of each node-to-node relationship of the plurality of upstream nodes, is determined. A risk mitigation process is performed based, in part, on any one or a combination of: DIS, InitCS and ModCS.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Invoicing services; Business invoicing services; Reconciling invoices; invoice processing support services namely, preparing invoices and reconciling invoices; billing services; Administration, billing and reconciliation of accounts on behalf of others; Business process outsourcing services in the fields of payment services, invoicing services, account balances, cash flow, billing, ERP, and fraud risk; customer support services in the fields of payment services, invoicing services, account balances, cash flow, billing, ERP, and fraud risk; business management and business administration of financial affairs; computer database management; management, maintenance and updating of computer databases, namely, management and compilation of computerized databases; reporting and data processing services, namely, statistical analysis and reporting services for business purposes; data processing, data evaluation, namely, evaluations relating to commercial matters Banking services; financial services, namely, financial advisory services and financial consultancy services; Bill payment services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; provide administrative support for payment systems; invoice payment services; Bill payment services provided through a website; Financial transaction services, namely, providing secure commercial transactions and payment options; Providing an internet website portal in the field of financial transaction and payment processing services; treasury and cash management services; merchant services, namely payment transaction processing services; merchant banking services; Online financial services for businesses, namely, providing treasury management services for optimizing cash flows, maintaining liquidity, and monitoring risk; online domestic and international financial transaction services; financial information services; Accounts payable debiting services; Financial management of reimbursement payments for others; Account receivables services; Cash management services
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
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 20/40 - 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
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
35.
Systems and methods for providing a predictive itinerary
Embodiments of the present disclosure generally relate to a network-based real-time enterprise travel management system that can facilitate planning, booking, scheduling, and managing travel, while also facilitating expense budgeting and reporting. Embodiments of the present disclosure can provide systems and methods for generating and managing a predictive itinerary associated with travel and/or an event, as well as a centralized marketplace for accessing various services and events.
Methods, systems, and computer program products are provided for training a transactional event data analysis model and fine-tuning a pre-trained model to predict future transactions. The method involves storing asynchronous event sequence data of a user in a transaction table, selecting a user transaction at a snapshot time, selecting transactional events made by user U before time, and storing them in a transactions table. The method further includes mapping the timing position of each transactional event in the transactions table using, e.g., an integer index or a one-hot encoded vector. Features are selected and encoded into token encodings and time encodings.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et services
Magnetically encoded credit cards Promoting the sale of credit card accounts through the administration of incentive award programs Processing of credit card payments; Processing of debit card payments; Payment processing services, namely, credit card and debit card transaction processing services; Issuing credit cards; Issuing of debit cards; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Merchant services, namely, payment transaction processing services
Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.
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 20/10 - 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 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
Aspects of the embodiments described herein are related to systems, methods, and computer products for performing video redaction. When performing video redaction, a video is received and converted into a plurality of frames. For each of the frames, it is detected if one or more people are present in at least one of the plurality of frames. Bounding regions are determined for the detected people in each frame. The bounding regions are tagged with an identifier identifying the person associated with each bounding region. An icon identifying the detected person is determined and displayed on an interface as a selectable input, wherein each selectable input is selectable to redact or keep the detected person in the video. Once a selection to redact a person is received, the bounding regions of the selected person are filled with replacement pixels. The plurality of frames are then converted into a new video.
Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
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 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
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 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
41.
NETWORK-BASED REAL-TIME ENTERPRISE TRAVEL MANAGEMENT APPARATUS, METHODS, AND SYSTEMS
A system for expense management including an expense management apparatus. The expense management apparatus configured to receive, from a client device, at least one parameter associated with an event, construct at least one query based on the at least one parameter, transmit the at least one query to a database, receive, from the database, responsive data responding to the at least one query, construct a benchmark, using a processing arrangement, associated with the at least one parameter, and transmit the benchmark to the client device.
Aspects of the embodiments described herein are related to systems, methods, and computer products for performing video redaction. When performing video redaction, a video is received and converted into a plurality of frames. For each of the frames, it is detected if one or more people are present in at least one of the plurality of frames. Bounding regions are determined for the detected people in each frame. The bounding regions are tagged with an identifier identifying the person associated with each bounding region. An icon identifying the detected person is determined and displayed on an interface as a selectable input, wherein each selectable input is selectable to redact or keep the detected person in the video. Once a selection to redact a person is received, the bounding regions of the selected person are filled with replacement pixels. The plurality of frames are then converted into a new video.
G11B 27/031 - Montage électronique de signaux d'information analogiques numérisés, p. ex. de signaux audio, vidéo
G06T 7/246 - Analyse du mouvement utilisant des procédés basés sur les caractéristiques, p. ex. le suivi des coins ou des segments
G06T 7/73 - Détermination de la position ou de l'orientation des objets ou des caméras utilisant des procédés basés sur les caractéristiques
G06V 10/22 - Prétraitement de l’image par la sélection d’une région spécifique contenant ou référençant une formeLocalisation ou traitement de régions spécifiques visant à guider la détection ou la reconnaissance
G06V 10/44 - Extraction de caractéristiques locales par analyse des parties du motif, p. ex. par détection d’arêtes, de contours, de boucles, d’angles, de barres ou d’intersectionsAnalyse de connectivité, p. ex. de composantes connectées
G06V 20/40 - ScènesÉléments spécifiques à la scène dans le contenu vidéo
G06V 20/52 - Activités de surveillance ou de suivi, p. ex. pour la reconnaissance d’objets suspects
G06V 40/16 - Visages humains, p. ex. parties du visage, croquis ou expressions
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
25 - Vêtements; chaussures; chapellerie
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
(1) Magnetically encoded credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; downloadable computer software and mobile application software for application programming interface (API) access, deployment, management and security and for integration of computer systems, applications, data and databases; downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, payment by debit card, payment by virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, cash management, and fraud detection and control services; downloadable computer software and mobile application software for application programming interface (API) software for securely sharing business and consumer banking, financial, and transaction data for networking of accounts and data across institutions and for analysis, assessment, and recommendations of financial risk; downloadable computer software and mobile application software in the field of banking, tracking and monitoring business-related expenses, tracking, monitoring and managing travel-related expenses, virtual payment card and mobile wallet; downloadable computer software using artificial intelligence (AI) for provision of financial information and banking management; downloadable computer software for voice command and recognition; computer software for use in providing and benchmarking and researching airline, transportation and travel rate information; downloadable computer software for use in providing an incentive program for travel; wireless chargers; wireless trackers; wireless speakers; headphones; speakers; wireless charging pad; charging cable; sunglasses; mouse pads; laptop sleeves; commercial and fleet credit cards.
(2) Notebooks; journals; paper hand fans; banners; paper backdrops; paper table top displays; all occasion cards; pens; gift tissue; notepads; gift bags; paper ribbons; stickers; adhesive notepads; highlighters; framed pictures; pencils; calendars; paper cutters for letters [office requisites]; crayons; lanyards for name badge holders; shopping bags of paper or plastic; paper napkins; padfolios; checkbook holders; money clips; coasters of paper; identification luggage tags of paper; framed pictures.
(3) Clothing, namely shirts, blouses, t-shirts, sweatshirts, pants, shorts, skirts, hats, collared shirts, winter hats, baseball hats, polo shirts, socks, jackets, vests, baby bibs; work gloves. (1) Arranging and conducting incentive reward programs to promote the sale of credit cards; promoting the goods and services of others by means of the issuance of loyalty rewards cards and by awarding purchase points for credit card use; promoting the goods and services of others by providing discount information, coupons, rebates, and special offers via a website; advice and consultancy relating to tax preparation; economic forecasting and analysis; market analysis and research services; advertising, marketing and promotion services; arranging and conducting special events for business purposes; retail services provided by concession stands featuring beverages, clothing, food, and souvenirs; promoting sports competitions and events of others; promoting business, community, entertainment, and sporting events for others; retail store services featuring sports clothing, collectibles, memorabilia, and souvenirs; retail store services and online retail store service featuring credit card processing machines and software; promoting public awareness in the field of financial wellness; providing business consulting and marketing services; promoting public awareness in the field of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and hosting community activities, namely, product demonstrations, and organization and operation of events and festivals for commercial, promotional, and advertising purposes in the fields of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and developing the charitable projects of others for promoting and assisting in performing acts of kindness and good deeds for others; promoting public awareness for supporting local businesses; providing independent ratings and reviews of other businesses for commercial purposes; accounts receivable billing services; medical billing business support services; advisory services for preparing and carrying out commercial transactions; business data management services for authenticating, verifying and tracking commercial and business to business financial transactions provided via an on-line computer web site; providing account management, financial reporting, accounting features and related business information via an online computer web site; providing online business management services including business transaction management, transaction billing and computerized commercial and business-to-business transaction tracking, data processing and business information management services; reconciling financial transactions via a global computer network.
(2) Banking services; online banking services; mobile banking services; ATM banking services; business banking services; checking account services; cash management services; financial management services; financing and loan services; currency exchange services; electronic funds transfer; government/treasury payment processing; providing banking services and banking information by mobile telephone connections, website, interactive voice response (IVR) over telephone connections, chatbots, mobile applications, artificial intelligence (AI), and the internet and other interactive and electronic means; mortgage lending; home equity loans; real estate lending services; Automated Clearing House (ACH) transaction processing services; credit card, prepaid credit card, debit card, prepaid debit card, stored value card, and virtual payment credit card services; issuing and transaction processing and payment processing services for credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; financing of purchases; financial payment processing services; providing purchase points and other rewards, all in the nature of cash and other financial incentives of monetary value, for credit card use as part of a customer loyalty program; credit card debt cancellation services; bill payment services; rental and lease of processing equipment for credit, cash, debit and stored value cards, all for banks, credit unions and savings and loan associations; foreign exchange services; processing of electronic wallet payments; banking services with an incentive rewards program; clearing financial transactions via a global computer network; issuing letters of credit; financial services in the nature of electronic bill payment and remittance processing services, namely, processing of payment of electronically presented invoices; trust, mortgage, insurance, investment, financial information services and other financial services; providing venture capital, working capital financing, development capital, private equity and investment funding; providing grants, educational scholarships, and financial assistance for individuals, businesses, organizations, and communities; financial advisory services; financial advice, namely, budget planning; financial analysis and research services; investment analysis and bond research; financial asset management; financial investment services; financial planning and investment advisory services; wealth management services; financial analysis and providing financial information; credit and cash management services; investment and risk management services; financial products brokerage; securities brokerage services; broker-dealer services; brokerage of stocks, bonds, annuities, mutual funds, and other securities; individual retirement account services; issuance of traditional, market-linked and brokered certificates of deposit; fiduciary services, namely, fiduciary representative services; financial trust operation services; estate trust administration and management services, trusteeship representative services, institutional, corporate, and personal trustee services; trustee services; estate planning services; transfer agent services; paying agent services; escrow agent services; philanthropy consultation relating to charitable monetary giving; charitable foundation services, namely, providing financial assistance for programs and services of others; automated teller machine or cash dispenser equipment leasing and rental services; financial consultation in the development of affordable housing, social service, nonprofit, healthcare, commercial, retail, educational, recreational and manufacturing businesses and renewable energy; investment consultation, brokerage, and management services; check and electronic payment verification services; foreign exchange transaction services; financial portfolio management services; auto lending services; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows; financial exchange of digital currency; crypto custody services; digital currency custody services.
(3) Educational services, namely, conducting classes, workshops, seminars, conferences, podcasts, online seminars and instructional classes and training programs in the field of personal finance, money management, money planning related to vehicle purchasing, financing and refinancing in the metaverse and other virtual worlds, banking, finance, investment, mortgage, lending, homeownership education, and mortgage loan officer development, leadership and career development, financial literacy, financial wellness, financial education, personal branding, brand valuation, and brand monetization; educational services, namely, conducting financial wellness coaching and mentoring in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; educational services, namely, conducting training programs in the field of banking and financial products and services; educational and entertainment services, namely, conducting special events programs and community festivals for educational and entertainment purposes; arranging and conducting special events for social entertainment purposes; conducting guided tours of sports facilities; entertainment services in the nature of competitions, concerts, cultural events, exhibitions, festivals, and sports events; organization of sports events in the field of football; organizing community sporting and cultural events; providing information relating to sports and sporting events; providing sports facilities; rental of stadium facilities; educational services, namely, conducting classes, workshops, seminars, conferences, and programs to address issues of diversity, equity, and inclusion in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; arena services, namely, providing general purpose facilities for sports; arena services, namely, providing general purpose facilities for concerts; providing general purpose facilities for concerts, family shows, festivals, sports events, trade shows and social entertainment events.
(4) Providing online non-downloadable computer software for application programming interface (API) access, deployment, management and security; providing on-line non-downloadable computer software for integration of computer systems, applications, data and databases and for securely sharing business and consumer banking, financial, and transaction data and for securely sharing business and consumer banking, financial, and transaction data for analysis, assessment, and recommendations of financial risk; providing an online non-downloadable Internet-based system application featuring technology enabling users to track, monitor and submit expenses; computer services, namely, providing search engines for obtaining travel data on a global computer network and for use in providing and benchmarking airline, transportation and travel rate information; software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; software as a service (SAAS) services featuring software for use in providing an incentive program for credit cards and for travel; software as a service (SAAS) services featuring software for use in researching, facilitating, managing and making reservations for temporary accommodations; providing on-line non-downloadable software using artificial intelligence for allowing a chatbot character to interact directly with banking customers through natural language processing in the fields of banking and financing; providing online non-downloadable software using artificial intelligence for enabling banking customers to interact directly with a chatbot character through natural language processing in the fields of banking and financing; providing online non-downloadable software for use in invoice processing, invoice financing and processing invoice payment, invoice payment status tracking, and invoice expense allocation; providing online non-downloadable software for use in invoice verification, allocating expenses, and reconciling invoices with supporting documents such as orders, contracts, and previous invoices; providing online non-downloadable software for use in performing regulatory and internal compliance checks; user authentication services using technology for e-commerce transactions; providing user authentication services using technology embedded in credit cards and mobile phones for e-commerce transactions; user authentication services using technology for e-commerce transactions; providing user authentication services using credit cards and mobile phones.
(5) Providing of food and drink via a mobile truck; arena services, namely, providing general purpose facilities for conventions and exhibitions; bar services; catering services; providing banquet and social function facilities for special occasions; providing general purpose facilities for business events, community events, conventions, exhibitions, private banquet, speaking events; provision of conference, exhibition and meeting facilities; serving of food and drink/beverages; providing information in the field of arranging of temporary accommodations in sharing economy rooms and temporary accommodations for corporate business travelers via a website; providing facilities for business meetings; providing facilities for trade exhibitions.
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
25 - Vêtements; chaussures; chapellerie
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
(1) Magnetically encoded credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; downloadable computer software and mobile application software for application programming interface (API) access, deployment, management and security and for integration of computer systems, applications, data and databases; downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, payment by debit card, payment by virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, cash management, and fraud detection and control services; downloadable computer software and mobile application software for application programming interface (API) software for securely sharing business and consumer banking, financial, and transaction data for networking of accounts and data across institutions and for analysis, assessment, and recommendations of financial risk; downloadable computer software and mobile application software in the field of banking, tracking and monitoring business-related expenses, tracking, monitoring and managing travel-related expenses, virtual payment card and mobile wallet; downloadable computer software using artificial intelligence (AI) for provision of financial information and banking management; downloadable computer software for voice command and recognition; computer software for use in providing and benchmarking and researching airline, transportation and travel rate information; downloadable computer software for use in providing an incentive program for travel; wireless chargers; wireless trackers; wireless speakers; headphones; speakers; wireless charging pad; charging cable; sunglasses; mouse pads; laptop sleeves; commercial and fleet credit cards.
(2) Notebooks; journals; paper hand fans; banners; paper backdrops; paper table top displays; all occasion cards; pens; gift tissue; notepads; gift bags; paper ribbons; stickers; adhesive notepads; highlighters; framed pictures; pencils; calendars; paper cutters for letters [office requisites]; crayons; lanyards for name badge holders; shopping bags of paper or plastic; paper napkins; padfolios; checkbook holders; money clips; coasters of paper; identification luggage tags of paper; framed pictures.
(3) Clothing, namely shirts, blouses, t-shirts, sweatshirts, pants, shorts, skirts, hats, collared shirts, winter hats, baseball hats, polo shirts, socks, jackets, vests, baby bibs; work gloves. (1) Arranging and conducting incentive reward programs to promote the sale of credit cards; promoting the goods and services of others by means of the issuance of loyalty rewards cards and by awarding purchase points for credit card use; promoting the goods and services of others by providing discount information, coupons, rebates, and special offers via a website; advice and consultancy relating to tax preparation; economic forecasting and analysis; market analysis and research services; advertising, marketing and promotion services; arranging and conducting special events for business purposes; retail services provided by concession stands featuring beverages, clothing, food, and souvenirs; promoting sports competitions and events of others; promoting business, community, entertainment, and sporting events for others; retail store services featuring sports clothing, collectibles, memorabilia, and souvenirs; retail store services and online retail store service featuring credit card processing machines and software; promoting public awareness in the field of financial wellness; providing business consulting and marketing services; promoting public awareness in the field of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and hosting community activities, namely, product demonstrations, and organization and operation of events and festivals for commercial, promotional, and advertising purposes in the fields of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and developing the charitable projects of others for promoting and assisting in performing acts of kindness and good deeds for others; promoting public awareness for supporting local businesses; providing independent ratings and reviews of other businesses for commercial purposes; accounts receivable billing services; medical billing business support services; advisory services for preparing and carrying out commercial transactions; business data management services for authenticating, verifying and tracking commercial and business to business financial transactions provided via an on-line computer web site; providing account management, financial reporting, accounting features and related business information via an online computer web site; providing online business management services including business transaction management, transaction billing and computerized commercial and business-to-business transaction tracking, data processing and business information management services; reconciling financial transactions via a global computer network.
(2) Banking services; online banking services; mobile banking services; ATM banking services; business banking services; checking account services; cash management services; financial management services; financing and loan services; currency exchange services; electronic funds transfer; government/treasury payment processing; providing banking services and banking information by mobile telephone connections, website, interactive voice response (IVR) over telephone connections, chatbots, mobile applications, artificial intelligence (AI), and the internet and other interactive and electronic means; mortgage lending; home equity loans; real estate lending services; Automated Clearing House (ACH) transaction processing services; credit card, prepaid credit card, debit card, prepaid debit card, stored value card, and virtual payment credit card services; issuing and transaction processing and payment processing services for credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; financing of purchases; financial payment processing services; providing purchase points and other rewards, all in the nature of cash and other financial incentives of monetary value, for credit card use as part of a customer loyalty program; credit card debt cancellation services; bill payment services; rental and lease of processing equipment for credit, cash, debit and stored value cards, all for banks, credit unions and savings and loan associations; foreign exchange services; processing of electronic wallet payments; banking services with an incentive rewards program; clearing financial transactions via a global computer network; issuing letters of credit; financial services in the nature of electronic bill payment and remittance processing services, namely, processing of payment of electronically presented invoices; trust, mortgage, insurance, investment, financial information services and other financial services; providing venture capital, working capital financing, development capital, private equity and investment funding; providing grants, educational scholarships, and financial assistance for individuals, businesses, organizations, and communities; financial advisory services; financial advice, namely, budget planning; financial analysis and research services; investment analysis and bond research; financial asset management; financial investment services; financial planning and investment advisory services; wealth management services; financial analysis and providing financial information; credit and cash management services; investment and risk management services; financial products brokerage; securities brokerage services; broker-dealer services; brokerage of stocks, bonds, annuities, mutual funds, and other securities; individual retirement account services; issuance of traditional, market-linked and brokered certificates of deposit; fiduciary services, namely, fiduciary representative services; financial trust operation services; estate trust administration and management services, trusteeship representative services, institutional, corporate, and personal trustee services; trustee services; estate planning services; transfer agent services; paying agent services; escrow agent services; philanthropy consultation relating to charitable monetary giving; charitable foundation services, namely, providing financial assistance for programs and services of others; automated teller machine or cash dispenser equipment leasing and rental services; financial consultation in the development of affordable housing, social service, nonprofit, healthcare, commercial, retail, educational, recreational and manufacturing businesses and renewable energy; investment consultation, brokerage, and management services; check and electronic payment verification services; foreign exchange transaction services; financial portfolio management services; auto lending services; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows; financial exchange of digital currency; crypto custody services; digital currency custody services.
(3) Educational services, namely, conducting classes, workshops, seminars, conferences, podcasts, online seminars and instructional classes and training programs in the field of personal finance, money management, money planning related to vehicle purchasing, financing and refinancing in the metaverse and other virtual worlds, banking, finance, investment, mortgage, lending, homeownership education, and mortgage loan officer development, leadership and career development, financial literacy, financial wellness, financial education, personal branding, brand valuation, and brand monetization; educational services, namely, conducting financial wellness coaching and mentoring in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; educational services, namely, conducting training programs in the field of banking and financial products and services; educational and entertainment services, namely, conducting special events programs and community festivals for educational and entertainment purposes; arranging and conducting special events for social entertainment purposes; conducting guided tours of sports facilities; entertainment services in the nature of competitions, concerts, cultural events, exhibitions, festivals, and sports events; organization of sports events in the field of football; organizing community sporting and cultural events; providing information relating to sports and sporting events; providing sports facilities; rental of stadium facilities; educational services, namely, conducting classes, workshops, seminars, conferences, and programs to address issues of diversity, equity, and inclusion in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; arena services, namely, providing general purpose facilities for sports; arena services, namely, providing general purpose facilities for concerts; providing general purpose facilities for concerts, family shows, festivals, sports events and social entertainment events.
(4) Providing online non-downloadable computer software for application programming interface (API) access, deployment, management and security; providing on-line non-downloadable computer software for integration of computer systems, applications, data and databases and for securely sharing business and consumer banking, financial, and transaction data and for securely sharing business and consumer banking, financial, and transaction data for analysis, assessment, and recommendations of financial risk; providing an online non-downloadable Internet-based system application featuring technology enabling users to track, monitor and submit expenses; computer services, namely, providing search engines for obtaining travel data on a global computer network and for use in providing and benchmarking airline, transportation and travel rate information; software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; software as a service (SAAS) services featuring software for use in providing an incentive program for credit cards and for travel; software as a service (SAAS) services featuring software for use in researching, facilitating, managing and making reservations for temporary accommodations; providing on-line non-downloadable software using artificial intelligence for allowing a chatbot character to interact directly with banking customers through natural language processing in the fields of banking and financing; providing online non-downloadable software using artificial intelligence for enabling banking customers to interact directly with a chatbot character through natural language processing in the fields of banking and financing; providing online non-downloadable software for use in invoice processing, invoice financing and processing invoice payment, invoice payment status tracking, and invoice expense allocation; providing online non-downloadable software for use in invoice verification, allocating expenses, and reconciling invoices with supporting documents such as orders, contracts, and previous invoices; providing online non-downloadable software for use in performing regulatory and internal compliance checks; user authentication services using technology for e-commerce transactions; providing user authentication services using technology embedded in credit cards and mobile phones for e-commerce transactions; user authentication services using technology for e-commerce transactions; providing user authentication services using credit cards and mobile phones.
(5) Providing of food and drink via a mobile truck; arena services, namely, providing general purpose facilities for conventions and exhibitions; bar services; catering services; providing banquet and social function facilities for special occasions; providing general purpose facilities for business events, community events, conventions, exhibitions, private banquet, trade shows, speaking events; provision of conference, exhibition and meeting facilities; serving of food and drink/beverages; providing information in the field of arranging of temporary accommodations in sharing economy rooms and temporary accommodations for corporate business travelers via a website; providing facilities for business meetings; providing facilities for trade exhibitions.
45.
AUDITABLE AUTHORSHIP ATTRIBUTION WITH AUTOMATICALLY APPLIED AUTHORSHIP TOKENS
A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
Methods and systems for smart contract creation, validation, and monitoring using generative artificial intelligence models are described. In example implementations, such models may be constructed as merged models from base models and secondary models. The secondary models may be fine-tuned and task-specific. By way of example, the merged models may be used for generation of smart contract code, generation of synthetic data used to validate or test smart contract code, or in cooperation with agents to monitor execution of smart contract code once published on the 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
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
41 - Éducation, divertissements, activités sportives et culturelles
Produits et services
Conducting of seminars in the field of banking and financial services technology and trends; On-line journals, namely, blogs featuring the evaluation of new innovative technology and trends in the banking and financial services industry; On-line video journals, namely, vlogs featuring nondownloadable videos in the field of innovative technology and trends in the banking and financial services industry; Providing on-line newsletters in the field of innovative technology in the banking and financial services industry
48.
Auditable authorship attribution with automatically applied authorship tokens
A text editor or a plugin thereto automatically generates authorship tokens to identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
A system for monitoring network activity data in a blockchain network is disclosed. The system may comprise a layer 1 blockchain, a layer 2 solution, and a monitoring system. The monitoring system may include a log collector, an artificial intelligence system, and a reporting system. The log collector may collect network activity data. The artificial intelligence system may analyze network activity data received from the log collector and determine a corrective action. The reporting system may display a report of network activity data. The monitoring system may be further configured to perform the corrective action.
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
H04L 43/045 - Traitement des données de surveillance capturées, p. ex. pour la génération de fichiers journaux pour la visualisation graphique des données de surveillance
A system for facilitating communication between layer 2 networks is disclosed. The system may include a first layer 2 network and a second layer 2 network. One or more of the first or second layer 2 network may include a communication platform that is configured to define a protocol for establishing communication between the first and second layer 2 network. Furthermore, based at least in part on the protocol, a bridge may be generated that communicatively couples the first and second layer 2 networks. In some embodiments, generating a bridge may include generating a smart contract to facilitate communication between the first and second layer 2 networks.
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
A method for generating and validating a smart contract is disclosed. The method may include receiving text input describing a desired operation of a smart contract and processing the text input with a language model to output a smart contract logic description and synthetic data for validating the smart contract. The method may further include processing the smart contract logic description with a generative artificial intelligence model to generate smart contract code, validating the smart contract code using the synthetic data to simulate transactions with the smart contract, and deploying the smart contract code on a blockchain upon successful validation of the smart contract code.
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 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
A method for generating a bridge to facilitate cross-chain transactions is disclosed. The method includes monitoring transactions on a first and second blockchain and classifying the monitored transactions. For each transaction type of a plurality of transaction types, the method includes generating, with a generative artificial intelligence model, a smart contract defining a bridge to link the first blockchain with the second blockchain based on the classified transaction type and deploying the smart contract defining the bridge.
Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
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 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
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 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
54.
IMAGE READING SYSTEMS, METHODS AND STORAGE MEDIUM FOR PERFORMING GEOMETRIC EXTRACTION
Geometric extraction is performed on an unstructured document by recognizing textual blocks on at least a portion of a page of the unstructured document, generating bounding boxes that surround and correspond to the textual blocks, determining search paths having coordinates of two endpoints and connecting at least two bounding boxes, and generating a graph representation of the at least a portion of the page, the graph representation including the plurality of textual blocks, the coordinates of the vertices of each bounding box and the coordinates of the two endpoints of each search path.
G06V 30/414 - Extraction de la structure géométrique, p. ex. arborescenceDécoupage en blocs, p. ex. boîtes englobantes pour les éléments graphiques ou textuels
G06V 10/50 - Extraction de caractéristiques d’images ou de vidéos en effectuant des opérations dans des blocs d’imagesExtraction de caractéristiques d’images ou de vidéos en utilisant des histogrammes, p. ex. l’histogramme de gradient orienté [HoG]Extraction de caractéristiques d’images ou de vidéos en utilisant l’addition des valeurs d’intensité d’imageAnalyse de projection
G06V 10/778 - Apprentissage de profils actif, p. ex. apprentissage en ligne des caractéristiques d’images ou de vidéos
G06V 30/18 - Extraction d’éléments ou de caractéristiques de l’image
An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.
G06K 7/10 - 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
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
G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p. ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du 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
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
A text editor or a plugin thereto automatically generates authorship tokens to identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.
Methods and systems for remote check deposit are disclosed. A check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the check image is received. The mobile device is caused to perform optical character recognition (OCR) on the check image to generate OCR data. The OCR data generated from the check image is verified to determine whether it includes required predetermined check data to process the check for remote deposit. The OCR data is provided to a financial institution server for validation processing. In response to receiving a confirmation from a user, the check image is provided to the financial instruction server with instructions to process the check for remote deposit. The mobile device receives a deposit receipt notification from the financial institution server after the check is deposited.
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 20/40 - 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
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06V 30/19 - Reconnaissance utilisant des moyens électroniques
G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
Clothing, namely shirts, blouses, t-shirts, sweatshirts, pants, shorts, skirts, hats, collared shirts, winter hats, baseball hats, polo shirts, socks, jackets and vests Arranging and conducting incentive reward programs to promote the sale of credit cards; promoting the goods and services of others by means of the issuance of loyalty rewards cards and by awarding purchase points for credit card use; promoting the goods and services of others by providing a website featuring discount information, coupons, rebates, and special offers; tax advisory services; economic forecasting and analysis; market analysis and research services; advertising, marketing and promotion services; arranging and conducting special events for business purposes; concession stands featuring beverages, clothing, food, and souvenirs; promoting sports competitions and events of others; promoting business, community, entertainment, and sporting events for others; providing facilities for business meetings; providing facilities for trade exhibitions; retail store services featuring sports clothing, collectibles, memorabilia, and souvenirs; retail store services and online retail store service featuring credit card processing machines and software; promoting public awareness in the field of financial wellness; providing business consulting and marketing services; promoting public awareness in the field of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and hosting community activities, namely, product demonstrations, and organization and operation of events and festivals for commercial, promotional, and advertising purposes in the fields of local business, food business, farmers' markets, personal care services, health and wellness, and community services; promoting public awareness for supporting local businesses; providing independent ratings and reviews of other businesses for commercial purposes; accounts receivable billing services; medical billing support services; advisory services for preparing and carrying out commercial transactions; providing an online computer website that provides data for use in authenticating, verifying and tracking commercial and business to business financial transactions; providing an online computer website that provides account management, financial reporting, accounting features and related financial information; providing online business management services including financial transaction management, transaction billing and computerized commercial and business-to-business transaction tracking, data processing and business information management services Magnetically encoded credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; downloadable computer software and downloadable mobile application software for application programming interface (API) access, deployment, management and security and for integration of computer systems, applications, data and databases; downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, payment by debit card, payment by virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, cash management, and fraud detection and control services; downloadable computer software and downloadable mobile application software for application programming interface (API) software for securely sharing business and consumer banking, financial, and transaction data for networking of accounts and data across institutions and for analysis, assessment, and recommendations of financial risk; downloadable computer software and downloadable mobile application software in the field of banking, tracking and monitoring business-related expenses, tracking, monitoring and managing travel-related expenses, virtual payment card and mobile wallet; downloadable computer software using artificial intelligence (AI) for provision of financial information and banking management; downloadable computer software for voice command and recognition; downloadable computer software for use in providing and benchmarking and researching airline, transportation and travel rate information; downloadable computer software for use in providing an incentive program for travel; wireless chargers; wireless GPS tracking devices; wireless speakers; headphones; audio speakers; wireless charging pad for smartphones; electric charging cable; sunglasses; mouse pads; laptop sleeves Printed notebooks; blank writing journals; paper banners; printed occasion cards; pens; printed notepads; gift bags; stickers; adhesive notepads; highlighter pens; pencils; printed calendars; letter openers; crayons; luggage tags; lanyards for name badge holders; shopping bags of paper or plastic; paper napkins; padfolios; checkbook holders; money clips; coasters of paper; temporary tattoo transfers Banking services; online banking services; mobile banking services; ATM banking services; business banking services; checking account services; cash management services; financial management services; financing and loan services; currency exchange services; electronic funds transfer; payment processing; providing banking services and banking information by mobile telephone connections, website, interactive voice response (IVR) over telephone connections, chatbots, mobile applications, artificial intelligence (AI), and the internet and other interactive and electronic means; mortgage lending; home equity loans; real estate lending services; Automated Clearing House (ACH) transaction processing services; credit card, prepaid credit card, debit card, prepaid debit card, stored value card, and virtual payment credit card services; issuing and transaction processing and payment processing services for credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; financing of purchases; issuing commercial and fleet credit cards; debt management services; debt cancellation services using proceeds of life, disability and unemployment insurance; bill payment services; rental and lease financing of processing equipment for credit, cash, debit and stored value cards, all for banks, credit unions and savings and loan associations; foreign exchange transactions; processing of electronic wallet payments; banking services with an incentive rewards program; clearing and reconciling financial transactions via a global computer network; issuing letters of credit; financial services in the nature of electronic bill payment and remittance processing services, namely, processing of payment of electronically presented invoices; trust services, namely, investment and trust company services; mortgage banking; insurance agencies and brokerage; financial information; financial transaction services, namely, providing secure commercial transactions and payment options; financial services, namely, wealth management services; financial services, namely, mortgage refinancing; financial advisory and consultancy services; providing working capital; financial investment analysis and bond research; financial asset management; financial investment advisory services; financial planning and investment advisory services; wealth management services; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; credit risk management and cash management services; investment risk assesment and financial risk management services; financial investment brokerage; securities brokerage services; broker-dealer financial services in the field of securities, stocks, bonds and mutual funds; brokerage of stocks, bonds, annuities, mutual funds, and other securities; individual retirement account services; banking services featuring the provision of certificates of deposit, namely traditional, market-linked and brokered certificates of deposit; fiduciary services, namely, fiduciary representative services; financial trust operation services; estate trust administration and management services; trustee services, namely, trusteeship representative services for institutional, corporate, and personal trustees; trustee services; estate planning services; maintaining escrow accounts for investments, mortgages and sales transactions; philanthropy consultation relating to charitable monetary giving; charitable foundation services, namely, providing financial assistance for programs and services of others; finance leasing of automated teller machine or cash dispenser equipment; cash replenishment of automated teller machines, all for banks, credit unions and savings and loan associations; financial consultation in the development of affordable housing, social service, nonprofit, healthcare, commercial, retail, educational, recreational and manufacturing businesses and renewable energy; investment consultation, brokerage, and management services; check and electronic payment verification services; foreign exchange transaction services; financial portfolio management services; auto loan brokerage services; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows; financial exchange of digital currency; financial custody services, namely, maintaining possession of financial assets in the nature of crypto and digital currency for others for financial management purposes Educational services, namely, conducting classes, workshops, seminars, conferences, podcasts, online seminars and instructional classes and training programs in the field of personal finance, money management, money planning related to vehicle purchasing, financing and refinancing in the metaverse and other virtual worlds, banking, finance, investment, mortgage, lending, homeownership education, and mortgage loan officer development, leadership and career development, financial literacy, financial wellness, financial education, personal branding, brand valuation, and brand monetization; educational services, namely, conducting financial wellness coaching and mentoring in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; educational services, namely, conducting training programs in the field of banking and financial products and services; educational and entertainment services, namely, conducting special events programs and community festivals for educational and entertainment purposes; arranging and conducting special events for social entertainment purposes; conducting guided tours of sports facilities; entertainment services in the nature of competitions, concerts, cultural events, exhibitions, festivals, and sports events; organization of sports events in the field of football; organizing community sporting and cultural events; providing information relating to sports and sporting events; providing sports facilities; rental of stadium facilities; educational services, namely, conducting classes, workshops, seminars, conferences, and programs to address issues of diversity, equity, and inclusion in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development Providing online non-downloadable computer software for application programming interface (API) access, deployment, management and security; providing online non-downloadable computer software for integration of computer systems, applications, data and databases and for securely sharing business and consumer banking, financial, and transaction data and for securely sharing business and consumer banking, financial, and transaction data for analysis, assessment, and recommendations of financial risk; providing an online non-downloadable Internet-based system application featuring technology enabling users to track, monitor and submit expenses; computer services, namely, providing search engines for obtaining travel data on a global computer network and for use in providing and benchmarking airline, transportation and travel rate information; software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; software as a service (SAAS) services featuring software for use in providing an incentive program for credit cards and for travel; software as a service (SAAS) services featuring software for use in researching, facilitating, managing and making reservations for temporary accommodations; providing online non-downloadable software using artificial intelligence for allowing a chatbot character to interact directly with banking customers through natural language processing in the fields of banking and financing; providing a website featuring non-downloadable software using artificial intelligence for enabling banking customers to interact directly with a chatbot character through natural language processing in the fields of banking and financing; providing online non-downloadable software for use in invoice processing, invoice financing and processing invoice payment, invoice payment status tracking, and invoice expense allocation; providing online non-downloadable software for use in invoice verification, allocating expenses, and reconciling invoices with supporting documents such as orders, contracts, and previous invoices; providing online non-downloadable software for use in performing regulatory and internal compliance checks; user authentication services using technology for e-commerce transactions; providing user authentication services using technology embedded in credit cards and mobile phones for e-commerce transactions; providing user authentication services using technology for credit cards and mobile phones Providing of food and drink via a mobile truck; arena services, namely, providing general purpose facilities for sports, concerts, conventions and exhibitions; bar services; catering services; providing banquet and social function facilities for special occasions; providing general purpose facilities for business events, community events, concerts, conventions, exhibitions, family shows, festivals, private banquet, sports events, trade shows, speaking events and social entertainment events; provision of conference, exhibition and meeting facilities; serving of food and drink/beverages; providing a website featuring information in the field of arranging of temporary accommodations in sharing economy rooms and temporary accommodations for corporate business travelers
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
25 - Vêtements; chaussures; chapellerie
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
Magnetically encoded credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; downloadable computer software and downloadable mobile application software for application programming interface (API) access, deployment, management and security and for integration of computer systems, applications, data and databases; downloadable software in the nature of a mobile application for facilitating and administering banking, payment by credit card, payment by debit card, payment by virtual payment card, stored value card services, electronic funds transfer services, electronic payment processing services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, cash management, and fraud detection and control services; downloadable computer software and downloadable mobile application software for application programming interface (API) software for securely sharing business and consumer banking, financial, and transaction data for networking of accounts and data across institutions and for analysis, assessment, and recommendations of financial risk; downloadable computer software and downloadable mobile application software in the field of banking, tracking and monitoring business-related expenses, tracking, monitoring and managing travel-related expenses, virtual payment card and mobile wallet; downloadable computer software using artificial intelligence (AI) for provision of financial information and banking management; downloadable computer software for voice command and recognition; downloadable computer software for use in providing and benchmarking and researching airline, transportation and travel rate information; downloadable computer software for use in providing an incentive program for travel; wireless chargers; wireless GPS tracking devices; wireless speakers; headphones; audio speakers; wireless charging pad for smartphones; electric charging cable; sunglasses; mouse pads; laptop sleeves Printed notebooks; blank writing journals; paper banners; printed occasion cards; pens; printed notepads; gift bags; stickers; adhesive notepads; highlighter pens; pencils; printed calendars; letter openers; crayons; luggage tags; lanyards for name badge holders; shopping bags of paper or plastic; paper napkins; padfolios; checkbook holders; money clips; coasters of paper; temporary tattoo transfers Clothing, namely shirts, blouses, t-shirts, sweatshirts, pants, shorts, skirts, hats, collared shirts, winter hats, baseball hats, polo shirts, socks, jackets and vests Arranging and conducting incentive reward programs to promote the sale of credit cards; promoting the goods and services of others by means of the issuance of loyalty rewards cards and by awarding purchase points for credit card use; promoting the goods and services of others by providing a website featuring discount information, coupons, rebates, and special offers; tax advisory services; economic forecasting and analysis; market analysis and research services; advertising, marketing and promotion services; arranging and conducting special events for business purposes; concession stands featuring beverages, clothing, food, and souvenirs; promoting sports competitions and events of others; promoting business, community, entertainment, and sporting events for others; providing facilities for business meetings; providing facilities for trade exhibitions; retail store services featuring sports clothing, collectibles, memorabilia, and souvenirs; retail store services and online retail store service featuring credit card processing machines and software; promoting public awareness in the field of financial wellness; providing business consulting and marketing services; promoting public awareness in the field of local business, food business, farmers' markets, personal care services, health and wellness, and community services; organizing and hosting community activities, namely, product demonstrations, and organization and operation of events and festivals for commercial, promotional, and advertising purposes in the fields of local business, food business, farmers' markets, personal care services, health and wellness, and community services; promoting public awareness for supporting local businesses; providing independent ratings and reviews of other businesses for commercial purposes; accounts receivable billing services; medical billing support services; advisory services for preparing and carrying out commercial transactions; providing an online computer website that provides data for use in authenticating, verifying and tracking commercial and business to business financial transactions; providing an online computer website that provides account management, financial reporting, accounting features and related financial information; providing online business management services including financial transaction management, transaction billing and computerized commercial and business-to-business transaction tracking, data processing and business information management services Banking services; online banking services; mobile banking services; ATM banking services; business banking services; checking account services; cash management services; financial management services; financing and loan services; currency exchange services; electronic funds transfer; payment processing; providing banking services and banking information by mobile telephone connections, website, interactive voice response (IVR) over telephone connections, chatbots, mobile applications, artificial intelligence (AI), and the internet and other interactive and electronic means; mortgage lending; home equity loans; real estate lending services; Automated Clearing House (ACH) transaction processing services; credit card, prepaid credit card, debit card, prepaid debit card, stored value card, and virtual payment credit card services; issuing and transaction processing and payment processing services for credit cards, stored value cards, virtual payment credit cards, debit cards, prepaid debit cards, and prepaid credit cards; financing of purchases; issuing commercial and fleet credit cards; debt management services; debt cancellation services using proceeds of life, disability and unemployment insurance; bill payment services; rental and lease financing of processing equipment for credit, cash, debit and stored value cards, all for banks, credit unions and savings and loan associations; foreign exchange transactions; processing of electronic wallet payments; banking services with an incentive rewards program; clearing and reconciling financial transactions via a global computer network; issuing letters of credit; financial services in the nature of electronic bill payment and remittance processing services, namely, processing of payment of electronically presented invoices; trust services, namely, investment and trust company services; mortgage banking; insurance agencies and brokerage; financial information; financial transaction services, namely, providing secure commercial transactions and payment options; financial services, namely, wealth management services; financial services, namely, mortgage refinancing; financial advisory and consultancy services; providing working capital; financial investment analysis and bond research; financial asset management; financial investment advisory services; financial planning and investment advisory services; wealth management services; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; credit risk management and cash management services; investment risk assesment and financial risk management services; financial investment brokerage; securities brokerage services; broker-dealer financial services in the field of securities, stocks, bonds and mutual funds; brokerage of stocks, bonds, annuities, mutual funds, and other securities; individual retirement account services; banking services featuring the provision of certificates of deposit, namely traditional, market-linked and brokered certificates of deposit; fiduciary services, namely, fiduciary representative services; financial trust operation services; estate trust administration and management services; trustee services, namely, trusteeship representative services for institutional, corporate, and personal trustees; trustee services; estate planning services; maintaining escrow accounts for investments, mortgages and sales transactions; philanthropy consultation relating to charitable monetary giving; charitable foundation services, namely, providing financial assistance for programs and services of others; finance leasing of automated teller machine or cash dispenser equipment; cash replenishment of automated teller machines, all for banks, credit unions and savings and loan associations; financial consultation in the development of affordable housing, social service, nonprofit, healthcare, commercial, retail, educational, recreational and manufacturing businesses and renewable energy; investment consultation, brokerage, and management services; check and electronic payment verification services; foreign exchange transaction services; financial portfolio management services; auto loan brokerage services; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows; financial exchange of digital currency; financial custody services, namely, maintaining possession of financial assets in the nature of crypto and digital currency for others for financial management purposes Educational services, namely, conducting classes, workshops, seminars, conferences, podcasts, online seminars and instructional classes and training programs in the field of personal finance, money management, money planning related to vehicle purchasing, financing and refinancing in the metaverse and other virtual worlds, banking, finance, investment, mortgage, lending, homeownership education, and mortgage loan officer development, leadership and career development, financial literacy, financial wellness, financial education, personal branding, brand valuation, and brand monetization; educational services, namely, conducting financial wellness coaching and mentoring in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development; educational services, namely, conducting training programs in the field of banking and financial products and services; educational and entertainment services, namely, conducting special events programs and community festivals for educational and entertainment purposes; arranging and conducting special events for social entertainment purposes; conducting guided tours of sports facilities; entertainment services in the nature of competitions, concerts, cultural events, exhibitions, festivals, and sports events; organization of sports events in the field of football; organizing community sporting and cultural events; providing information relating to sports and sporting events; providing sports facilities; rental of stadium facilities; educational services, namely, conducting classes, workshops, seminars, conferences, and programs to address issues of diversity, equity, and inclusion in the fields of economic development, economic success, business leadership, wealth creation, housing, home ownership, and career development Providing online non-downloadable computer software for application programming interface (API) access, deployment, management and security; providing online non-downloadable computer software for integration of computer systems, applications, data and databases and for securely sharing business and consumer banking, financial, and transaction data and for securely sharing business and consumer banking, financial, and transaction data for analysis, assessment, and recommendations of financial risk; providing an online non-downloadable Internet-based system application featuring technology enabling users to track, monitor and submit expenses; computer services, namely, providing search engines for obtaining travel data on a global computer network and for use in providing and benchmarking airline, transportation and travel rate information; software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; software as a service (SAAS) services featuring software for use in providing an incentive program for credit cards and for travel; software as a service (SAAS) services featuring software for use in researching, facilitating, managing and making reservations for temporary accommodations; providing online non-downloadable software using artificial intelligence for allowing a chatbot character to interact directly with banking customers through natural language processing in the fields of banking and financing; providing a website featuring non-downloadable software using artificial intelligence for enabling banking customers to interact directly with a chatbot character through natural language processing in the fields of banking and financing; providing online non-downloadable software for use in invoice processing, invoice financing and processing invoice payment, invoice payment status tracking, and invoice expense allocation; providing online non-downloadable software for use in invoice verification, allocating expenses, and reconciling invoices with supporting documents such as orders, contracts, and previous invoices; providing online non-downloadable software for use in performing regulatory and internal compliance checks; user authentication services using technology for e-commerce transactions; providing user authentication services using technology embedded in credit cards and mobile phones for e-commerce transactions; providing user authentication services using technology for credit cards and mobile phones Providing of food and drink via a mobile truck; arena services, namely, providing general purpose facilities for sports, concerts, conventions and exhibitions; bar services; catering services; providing banquet and social function facilities for special occasions; providing general purpose facilities for business events, community events, concerts, conventions, exhibitions, family shows, festivals, private banquet, sports events, trade shows, speaking events and social entertainment events; provision of conference, exhibition and meeting facilities; serving of food and drink/beverages; providing a website featuring information in the field of arranging of temporary accommodations in sharing economy rooms and temporary accommodations for corporate business travelers
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
Business management consultancy in the field of corporate travel; Information and data compiling and analyzing relating to business management; Monitoring financial transactions for business purposes; Promoting the sale of credit card accounts through the administration of incentive award programs; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Providing travel management services Downloadable computer software for use as an application programming interface (API); Magnetically encoded credit cards Bill payment services; Credit card payment processing services; Financial administration of credit card accounts; Financial data analysis; Issuing of credit cards; Loyalty program payment processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing financial information Electronic data storage; Electronic monitoring of credit card activity to detect fraud via the internet; Providing online non-downloadable software for facilitating electronic charge card transactions; Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Software as a Service (SaaS) services featuring software for managing banking and finances; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a service (SAAS) services featuring software for use in providing search engines for obtaining travel data on a global computer network; Software as a service (SAAS) services featuring software for use in providing an incentive program for travel cost management; Providing a website featuring on-line non-downloadable software that enables users to access account balances and manage business or credit card 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
Business management consultancy in the field of corporate travel; Information and data compiling and analyzing relating to business management; Monitoring financial transactions for business purposes; Promoting the sale of credit card accounts through the administration of incentive award programs; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Providing travel management services Downloadable computer software for use as an application programming interface (API); Magnetically encoded credit cards Banking; Bill payment services; Credit card payment processing services; Financial administration of credit card accounts; Financial data analysis; Issuing of credit cards; Loyalty program payment processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing financial information Electronic data storage; Electronic monitoring of credit card activity to detect fraud via the internet; Providing online non-downloadable software for facilitating electronic charge card transactions; Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Software as a Service (SaaS) services featuring software for managing banking and finances; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a service (SAAS) services featuring software for use in providing search engines for obtaining travel data on a global computer network; Software as a service (SAAS) services featuring software for use in providing an incentive program for travel cost management; Providing a website featuring on-line non-downloadable software that enables users to access account balances and manage business or credit card transactions
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 computer software for use as an application programming interface (API); Magnetically encoded credit cards Business management consultancy in the field of corporate travel; Information and data compiling and analyzing relating to business management; Monitoring financial transactions for business purposes; Promoting the sale of credit card accounts through the administration of incentive award programs; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Providing travel management services Banking; Bill payment services; Credit card payment processing services; Financial administration of credit card accounts; Financial data analysis; Issuing of credit cards; Loyalty program payment processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing financial information Electronic data storage; Electronic monitoring of credit card activity to detect fraud via the internet; Providing online non-downloadable software for facilitating electronic charge card transactions; Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Software as a Service (SaaS) services featuring software for managing banking and finances; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a service (SAAS) services featuring software for use in providing search engines for obtaining travel data on a global computer network; Software as a service (SAAS) services featuring software for use in providing an incentive program for travel cost management; Providing a website featuring on-line non-downloadable software that enables users to access account balances and manage business or credit card transactions
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Downloadable computer software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Downloadable computer software for use by businesses and organizations for enterprise resource planning and management of workflow relating to expenses, reimbursements, and budget; Downloadable computer software for use in facilitating electronic corporate credit card transactions; Downloadable computer software for use in managing corporate finances; Downloadable computer software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Downloadable computer software for use in spend management; Magnetically encoded charge cards Banking; Issuing of credit cards; Payment processing services in the field of corporate credit card payments; Providing electronic processing of credit card transactions and electronic payments via a global computer network Business training in the field of spend management; Training services in the field of automating business processes Providing online non-downloadable software for facilitating electronic charge card transactions; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; Software as a service (SaaS) featuring software for automating business processes; Software as a Service (SaaS) services featuring software for managing corporate finances; Software as a service (SAAS) services featuring software for managing, tracking and reporting on spend management; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit and debit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a Service (SAAS) services featuring software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Software as a Service (SAAS) services featuring software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Technical consulting services in the field of automating business processes being computer software and information technology consulting
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Downloadable computer software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Downloadable computer software for use by businesses and organizations for enterprise resource planning and management of workflow relating to expenses, reimbursements, and budget; Downloadable computer software for use in facilitating electronic corporate credit card transactions; Downloadable computer software for use in managing corporate finances; Downloadable computer software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Downloadable computer software for use in spend management; Magnetically encoded charge cards Banking; Issuing of credit cards; Payment processing services in the field of corporate credit card payments; Providing electronic processing of credit card transactions and electronic payments via a global computer network Business training in the field of spend management; Training services in the field of automating business processes Providing online non-downloadable software for facilitating electronic charge card transactions; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; Software as a service (SaaS) services featuring software for automating business processes; Software as a Service (SaaS) services featuring software for managing corporate finances; Software as a service (SAAS) services featuring software for managing, tracking and reporting on spend management; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit and debit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a Service (SAAS) services featuring software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Software as a Service (SAAS) services featuring software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Technical consulting services in the field of automating business processes being computer software and information technology consulting
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Downloadable computer software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Downloadable computer software for use by businesses and organizations for enterprise resource planning and management of workflow relating to expenses, reimbursements, and budget; Downloadable computer software for use in facilitating electronic corporate credit card transactions; Downloadable computer software for use in managing corporate finances; Downloadable computer software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Downloadable computer software for use in spend management; Magnetically encoded charge cards Banking; Issuing of credit cards; Payment processing services in the field of corporate credit card payments; Providing electronic processing of credit card transactions and electronic payments via a global computer network Business training in the field of spend management; Training services in the field of automating business processes Providing online non-downloadable software for facilitating electronic charge card transactions; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; Software as a service (SaaS) featuring software for automating business processes; Software as a Service (SaaS) services featuring software for managing corporate finances; Software as a service (SAAS) services featuring software for managing, tracking and reporting on spend management; Software as a Service (SaaS) services featuring software for tracking and managing corporate credit and debit card transactions, bill payments, vendor payments, expense reimbursements, expense reporting, payment scheduling, subscriptions, and fraud detection in the field of corporate finance; Software as a service (SAAS) services featuring software for use in managing, tracking and reporting on travel and business expenses and creating budgets for the same; Software as a Service (SAAS) services featuring software for use by businesses and organizations for reconciling purchase orders, costs, invoices, and receipts for purchases; Software as a Service (SAAS) services featuring software for use by businesses and organizations for requesting, tracking, reviewing, and approving expenses and reimbursements; Technical consulting services in the field of automating business processes being computer software and information technology consulting
68.
Assistant for automatic generation of server load test scripts
This disclosure is directed to systems and methods for generating correlated load test scripts for use in load testing by receiving an archive of transaction records, each transaction record including a request and a response, organizing the archive of transaction records, determining a collection of transaction records, generating a plain load test script, and correlating the plain load test script to generate a correlated load test script.
H04L 43/00 - Dispositions pour la surveillance ou le test de réseaux de commutation de données
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 43/0876 - Utilisation du réseau, p. ex. volume de charge ou niveau de congestion
H04L 43/55 - Test de la qualité du niveau de service, p. ex. simulation de l’utilisation du service
H04L 61/4511 - Répertoires de réseauCorrespondance nom-adresse en utilisant des répertoires normalisésRépertoires de réseauCorrespondance nom-adresse en utilisant des protocoles normalisés d'accès aux répertoires en utilisant le système de noms de domaine [DNS]
H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.
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 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du 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
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
Aspects of the embodiments described herein are related to systems, methods, and computer products for performing automatic check fraud detection. Aspects of embodiments described herein provide artificial intelligence systems and methods that analyze an image of an incoming check, compare the features of the image to the associated features on a reference check, and generate a check fraud score based on the comparison, and either approve the incoming check or flag the incoming check for manual review.
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
G06V 30/414 - Extraction de la structure géométrique, p. ex. arborescenceDécoupage en blocs, p. ex. boîtes englobantes pour les éléments graphiques ou textuels
G06V 30/42 - Reconnaissance des formes à partir d’images axée sur les documents basées sur le type de document
G06V 40/30 - Reconnaissance d’auteurLecture et vérification des signatures
71.
SYSTEMS AND METHODS FOR VIDEO-BASED FRAUD DETECTION
Aspects of the embodiments described herein are related to systems, methods, and computer products for performing computer-aided detection of fraud device installation events, especially at an Automated Teller Machine (ATM). Aspects of embodiments described herein provide artificial intelligence systems and methods that detect the presence of obstructions and persons to determine when a fraud device installation event occurs. The fraud detection system performs object detection and can determines whether a detected access event has an associated transaction to determine that a fraud device installation event occurs. The fraud detection system can also track the time the camera view is obstructed, the activity time of the person standing at the monitored device when no transaction occurs, and detect objects that resemble fraud devices to determine if a fraud device installation event occurs.
G06V 20/40 - ScènesÉléments spécifiques à la scène dans le contenu vidéo
G06V 10/70 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique
G06V 20/52 - Activités de surveillance ou de suivi, p. ex. pour la reconnaissance d’objets suspects
72.
Membrane based in-line fouling monitor for performance tracking in reverse osmosis and Nano-filtration systems
A novel reverse osmosis or nanofiltration system (RO/NF) capable of detecting and responding to onset of fouling within the system utilizing uniquely configured membrane permeate flow path within the system which generates a time-sensitive data. Membrane performance data in real-time operating conditions is then utilized for rapid detection of membrane fouling, fouling rate, and cause of fouling, followed by controller-based system generated actions to stop, and recover from fouling or slow-down fouling, and, if required, to predict, plan, and schedule operator intervention steps to recover optimum system operating conditions. The end-result is a novel energy-efficient and fouling-managed advanced (machine learning) reverse osmosis system for brackish water desalination.
Embodiments of the present disclosure generally relate to a network-based real-time enterprise travel management system that can facilitate planning, booking, scheduling, and managing travel, while also facilitating expense budgeting and reporting. Embodiments of the present disclosure can provide systems and methods for generating and managing a predictive itinerary associated with travel and/or an event, as well as a centralized marketplace for accessing various services and events.
Systems, methods, and computer-readable media are provided for hybrid guidance of a communication session. In one aspect, a system includes one or more processors configured to execute computer-readable instructions to receive an inquiry from a user terminal; stream the inquiry to one or more support terminals configured to provide live support for the inquiry; determine if an automated response to the inquiry is available; and provide one of the automated response or a live response to the inquiry based on whether the automated response to the inquiry is available or not.
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
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
H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]
75.
OPTIMIZATION METHODS AND SYSTEMS USING PROXY CONSTRAINTS
A method includes receiving, by a server device, a plurality of input settings from a client device. In a tangible memory, the server device stores the plurality of input settings. The server device sets a linear proxy constraint based on the plurality of input settings to replace a non-linear constraint. The server device solves a system of equations to determine a feasible solution. The server device determines the feasible solution. Based on the determining the feasible solution, determining, by the server device, whether a current solution satisfies a convergence criterion. In response to determining the current solution satisfies the convergence criterion, the current solution is stored in the tangible memory by the server device. In response to determining the current solution does not satisfy the convergence criterion, the server device updates one or more of the input settings and solving the system of equations.
Methods, systems, and computer program products are provided for improving a network by modeling control strength of network nodes. Design and implementation (DIS) scores are calculated for each of a plurality of nodes. An initial strength (InitCS) corresponding to any control performed by the node is determined. n-subgraphs are generated based on a network graph. For each node in the subgraph of the n-subgraphs, a modified control strength (ModCS) corresponding to a combination of the InitCS, a weakening factor derived from a combination of a ModCS of a plurality of upstream nodes, and a reliance coefficient (RC) of each node-to-node relationship of the plurality of upstream nodes, is determined. A risk mitigation process is performed based, in part, on any one or a combination of: DIS, InitCS and ModCS.
A system for evaluating health risk is provided. The system may be configured for requesting first data from a merchant associated with a user and second data from an activity tracking service associated with the user. The system may also comprise analyzing the item to determine a first health impact for the item based on the item and demographic information associated with the user. The system may further comprise analyzing the level of activity to determine a second health impact from the level of activity based on the level of activity and the demographic information associated with the user. The system may further comprise selecting an advertisement based on medical data, and at least one of the first health impact, the second health impact and the demographic information associated with the user.
G16H 40/67 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement à distance
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le calcul des indices de santéTIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
78.
IMAGE READING SYSTEMS, METHODS AND STORAGE MEDIUM FOR PERFORMING ENTITY EXTRACTION, GROUPING AND VALIDATION
Entity extraction is performed using a voting ensemble approach to enhance the accuracy and effectiveness of entity extraction processes. Voting ensemble weights are stored. In turn, a prediction value for a first entity is determined from multiple models that are specifically trained for entity extraction. A plurality of first entity prediction values is obtained. The model with the highest prediction value among the plurality of first entity prediction values is then selected.
G06V 30/414 - Extraction de la structure géométrique, p. ex. arborescenceDécoupage en blocs, p. ex. boîtes englobantes pour les éléments graphiques ou textuels
G06V 10/84 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les modèles graphiques de probabilités à partir de caractéristiques d’images ou de vidéos, p. ex. les modèles de Markov ou les réseaux bayésiens
79.
Systems and methods for a hybrid guided communication session
Systems, methods, and computer-readable media are provided for hybrid guidance of a communication session. In one aspect, a system includes one or more processors configured to execute computer-readable instructions to receive an inquiry from a user terminal; stream the inquiry to one or more support terminals configured to provide live support for the inquiry; determine if an automated response to the inquiry is available; and provide one of the automated response or a live response to the inquiry based on whether the automated response to the inquiry is available or not.
Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
81.
Assistant for automatic generation of server load test scripts
This disclosure is directed to systems and methods for generating correlated load test scripts for use in load testing by receiving an archive of transaction records, each transaction record including a request and a response, organizing the archive of transaction records, determining a collection of transaction records, generating a plain load test script, and correlating the plain load test script to generate a correlated load test script.
H04L 43/0876 - Utilisation du réseau, p. ex. volume de charge ou niveau de congestion
H04L 43/55 - Test de la qualité du niveau de service, p. ex. simulation de l’utilisation du service
H04L 43/00 - Dispositions pour la surveillance ou le test de réseaux de commutation de données
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 61/4511 - Répertoires de réseauCorrespondance nom-adresse en utilisant des répertoires normalisésRépertoires de réseauCorrespondance nom-adresse en utilisant des protocoles normalisés d'accès aux répertoires en utilisant le système de noms de domaine [DNS]
A contactless optical device is useable to identify a user, and allows an enterprise to authorize access by that user to enterprise facilities and/or cause presentation of user information of the user. The device is specifically adapted for secure usage within an enterprise network via a wired network interface. The device avoids storage of user-identifying data in persistent memory, to avoid compromise of user data if the device were lost or stolen, or otherwise removed from the enterprise network.
G07C 9/22 - Enregistrement de l’entrée ou de la sortie d'une entité isolée comportant l’utilisation d’un laissez-passer combiné à une vérification d’identité du titulaire du laissez-passer
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
A system for evaluating health risk is provided. The system may be configured for requesting first data from a merchant associated with a user and second data from an activity tracking service associated with the user. The system may also comprise analyzing the item to determine a first health impact for the item based on the item and demographic information associated with the user. The system may further comprise analyzing the level of activity to determine a second health impact from the level of activity based on the level of activity and the demographic information associated with the user. The system may further comprise selecting an advertisement based on medical data, and at least one of the first health impact, the second health impact and the demographic information associated with the user.
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le calcul des indices de santéTIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
G16H 40/67 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement à distance
Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
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 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
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
87.
Electronic circuitry for valuation and aggregation of values of client entities with temporal restrictions
Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. In certain examples of the present disclosure, various activities are performed by the circuits. In one such example, the current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
Geometric extraction is performed on an unstructured document by recognizing textual blocks on at least a portion of a page of the unstructured document, generating bounding boxes that surround and correspond to the textual blocks, determining search paths having coordinates of two endpoints and connecting at least two bounding boxes, and generating a graph representation of the at least a portion of the page, the graph representation including the plurality of textual blocks, the coordinates of the vertices of each bounding box and the coordinates of the two endpoints of each search path.
G06V 30/414 - Extraction de la structure géométrique, p. ex. arborescenceDécoupage en blocs, p. ex. boîtes englobantes pour les éléments graphiques ou textuels
G06V 10/50 - Extraction de caractéristiques d’images ou de vidéos en effectuant des opérations dans des blocs d’imagesExtraction de caractéristiques d’images ou de vidéos en utilisant des histogrammes, p. ex. l’histogramme de gradient orienté [HoG]Extraction de caractéristiques d’images ou de vidéos en utilisant l’addition des valeurs d’intensité d’imageAnalyse de projection
G06V 10/778 - Apprentissage de profils actif, p. ex. apprentissage en ligne des caractéristiques d’images ou de vidéos
G06V 30/18 - Extraction d’éléments ou de caractéristiques de l’image
89.
Buyer routing arrangements and methods for disparate network systems
Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
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
An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.
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 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du 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
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
H04L 67/141 - Configuration des sessions d'application
H04L 67/143 - Interruption ou inactivation de sessions, p. ex. fin de session contrôlée par un événement
G06K 7/10 - 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
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
G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p. ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
91.
Optimization methods and systems using proxy constraints
A method includes receiving, by a server device, a plurality of input settings from a client device. In a tangible memory, the server device stores the plurality of input settings. The server device sets a linear proxy constraint based on the plurality of input settings to replace a non-linear constraint. The server device solves a system of equations to determine a feasible solution. The server device determines the feasible solution. Based on the determining the feasible solution, determining, by the server device, whether a current solution satisfies a convergence criterion. In response to determining the current solution satisfies the convergence criterion, the current solution is stored in the tangible memory by the server device. In response to determining the current solution does not satisfy the convergence criterion, the server device updates one or more of the input settings and solving the system of equations.
An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.
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 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
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 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p. ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
G06K 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 7/10 - 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
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
A system for evaluating health risk is provided. The system may be configured for requesting first data from a merchant associated with a user and second data from an activity tracking service associated with the user. The system may also comprise analyzing the item to determine a first health impact for the item based on the item and demographic information associated with the user. The system may further comprise analyzing the level of activity to determine a second health impact from the level of activity based on the level of activity and the demographic information associated with the user. The system may further comprise selecting an advertisement based on medical data, and at least one of the first health impact, the second health impact and the demographic information associated with the user.
G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le calcul des indices de santéTIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
G16H 40/67 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement d’équipement ou de dispositifs médicaux pour le fonctionnement à distance
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06F 3/0482 - Interaction avec des listes d’éléments sélectionnables, p. ex. des menus
G06F 3/04886 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] utilisant des caractéristiques spécifiques fournies par le périphérique d’entrée, p. ex. des fonctions commandées par la rotation d’une souris à deux capteurs, ou par la nature du périphérique d’entrée, p. ex. des gestes en fonction de la pression exercée enregistrée par une tablette numérique utilisant un écran tactile ou une tablette numérique, p. ex. entrée de commandes par des tracés gestuels par partition en zones à commande indépendante de la surface d’affichage de l’écran tactile ou de la tablette numérique, p. ex. claviers virtuels ou menus
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
A closure including an outer shell and an inner shell that cooperate to provide child-resistant opening features is provided. The inner shell includes at least one lug that cooperates with at least one lug of the outer shell to provide the child-resistant opening feature. The closure also includes a tamper evident band to provide an indicator of when the closure has been opened relative to an underlying container.
This disclosure relates to an article that includes a nonwoven substrate and a film supported by the nonwoven substrate. The film can include a first polymer and a polymer that is immiscible with the first polymer. The first polymer can include a polyolefin and the second polymer can include a polycycloolefin, a polymethylpentene, or a copolymer thereof.
D04H 1/4374 - Non-tissés formés uniquement ou principalement de fibres coupées ou autres fibres similaires relativement courtes à partir de voiles ou couches composés de fibres ne possédant pas des propriétés cohésives réelles ou potentielles caractérisés par l'emploi de certaines sortes de fibres dans la mesure où cet emploi n'a pas d'influence prépondérante sur la consolidation du voile utilisant différents types de couches, p. ex. par superposition de couches
B32B 27/12 - Produits stratifiés composés essentiellement de résine synthétique adjacente à une couche fibreuse ou filamenteuse
C08L 23/10 - Homopolymères ou copolymères du propylène
B32B 5/02 - Produits stratifiés caractérisés par l'hétérogénéité ou la structure physique d'une des couches caractérisés par les caractéristiques de structure d'une couche comprenant des fibres ou des filaments
B32B 27/20 - Produits stratifiés composés essentiellement de résine synthétique caractérisée par l'emploi d'additifs particuliers utilisant des charges, des pigments, des agents thixotropiques
B32B 27/32 - Produits stratifiés composés essentiellement de résine synthétique comprenant des polyoléfines
B29C 55/02 - Façonnage par étirage, p. ex. étirage à travers une matriceAppareils à cet effet de plaques ou de feuilles
B29C 55/06 - Façonnage par étirage, p. ex. étirage à travers une matriceAppareils à cet effet de plaques ou de feuilles suivant un seul axe, p. ex. étirage oblique parallèle à la direction d'alimentation
B29C 55/08 - Façonnage par étirage, p. ex. étirage à travers une matriceAppareils à cet effet de plaques ou de feuilles suivant un seul axe, p. ex. étirage oblique coupant la direction d'alimentation
B29C 55/18 - Façonnage par étirage, p. ex. étirage à travers une matriceAppareils à cet effet de plaques ou de feuilles par serrage entre des surfaces, p. ex. des rouleaux
D04H 1/541 - Fibres composites, p. ex. âme-gaine, mer-île ou côte à côteFibres mixtes
C08L 53/02 - Compositions contenant des copolymères séquencés possédant au moins une séquence d'un polymère obtenu par des réactions ne faisant intervenir que des liaisons non saturées carbone-carboneCompositions contenant des dérivés de tels polymères contenant des monomères vinylaromatiques et des diènes conjugués
B32B 27/08 - Produits stratifiés composés essentiellement de résine synthétique comme seul composant ou composant principal d'une couche adjacente à une autre couche d'une substance spécifique d'une résine synthétique d'une sorte différente
B32B 27/32 - Produits stratifiés composés essentiellement de résine synthétique comprenant des polyoléfines
B29C 48/00 - Moulage par extrusion, c.-à-d. en exprimant la matière à mouler dans une matrice ou une filière qui lui donne la forme désiréeAppareils à cet effet
Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. The current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
