METHODS, SYSTEMS, AND COMPUTER PROGRAM PRODUCT FOR IMPLEMENTING REAL-TIME CLASSIFICATION AND RECOMMENDATIONS
Granted: January 16, 2020
Application Number:
20200019561
Disclosed are techniques for classifying inquiries and providing recommended actions. These techniques identify or generate a data model that receives and classifies an inquiry into at least one class in real-time or nearly real-time. One or more actions may be determined based at least in part on the at least one class and presented in a user interface to a user who first submitted the inquiry.
SYSTEM AND METHOD TO ENABLE PAYMENT USING MARK GENERATION AND MOBILE DEVICE
Granted: December 19, 2019
Application Number:
20190385140
A method involves scanning a symbol presented on a point of sale (POS) system including a POS processor; decoding the symbol to obtain purchase data and bidirectional connection data, where the bidirectional connection data describes a bidirectional connection; generating payment data using the purchase data; establishing the bidirectional connection with the POS system; sending the payment data to the POS system over the bidirectional connection; and receiving payment confirmation from…
FINANCIAL HEALTH TOOL
Granted: December 12, 2019
Application Number:
20190378207
A processor may obtain data indicating a user's financial health. The data may include personality data not directly related to finances. The processor may analyze the data to identify a change applicable to a financial account of the user. The change may be configured to improve the user's financial health. The processor may automatically cause the change to be implemented by a network-accessible financial service.
SYSTEM FOR MANAGING TRANSACTIONAL DATA
Granted: December 5, 2019
Application Number:
20190370499
A system may include transaction storage devices. Each transaction storage device may include a data store configured to receive, from a first entity, a request to push a detailed transaction corresponding to a secure identifier. The secure identifier may be generated, using an encoding function, from a user identifier of a user. The detailed transaction may identify at least one selected from a group consisting of products and services received by the user from the first entity. The…
SYSTEM FOR MANAGING TRANSACTIONAL DATA
Granted: December 5, 2019
Application Number:
20190370498
A system may include transaction storage devices. Each transaction storage device may include a data store and a registry configured to receive a request to register a universal resource identifier (URI) to a data store with a first secure identifier. The first secure identifier may be generated, using an encoding function and by a user, from a user identifier of the user. The registry may be further configured to store the URI of the data store with the first secure identifier, and…
METHOD AND SYSTEM FOR SECURE DIGITAL DOCUMENTATION OF SUBJECTS USING HASH CHAINS
Granted: December 5, 2019
Application Number:
20190370366
The invention relates to a method for documenting subjects using hash chains. The method includes receiving a subject data write request including one or more subject attribute values, generating a fingerprint from a current last block of a hash chain, and generating a payload from the subject data, the payload including the one or more subject attribute values and one or more keys identifying the one or more subject attribute values. The method further includes appending a block to the…
MESSAGE MANAGEMENT
Granted: October 3, 2019
Application Number:
20190305944
A method for message management is disclosed. The method includes: deriving, by a first subscriber node (SN), a secret value associated with a publisher node (PN); generating, by the first SN, a first expected sequence number using a one-way function and the secret value; receiving, by the first SN, a first publisher message generated by the PN and including a first sequence number; validating, by the first SN, the first publisher message by comparing the first sequence number with the…
LEARNING FORM-BASED INFORMATION CLASSIFICATION
Granted: October 3, 2019
Application Number:
20190303727
A method may include extracting training tokens from a training corpus, generating training token features and training contextual features for each of the training tokens, training a probabilistic graphical model using classes, the training token features, and the training contextual features, extracting, from actual data, actual tokens including an actual token, generating actual token features and actual contextual features for each of the actual tokens, and classifying the actual…
METHOD AND SYSTEM FOR BACKGROUND REMOVAL FROM DOCUMENTS
Granted: August 29, 2019
Application Number:
20190266433
The invention relates to a method for background removal from documents. The method includes obtaining an image of a document, performing a clustering operation on the image to obtain a plurality of image segments, and performing, for each image segment, a foreground/background classification to determine whether the image segment includes foreground. The method further includes obtaining an augmented image by combining the image segments that include foreground, and obtaining a…
METHOD AND SYSTEM FOR OVERSEEING EXECUTION OF GRAPH-BASED CONTRACTS USING HASH CHAINS
Granted: August 29, 2019
Application Number:
20190266602
The invention relates to a method for overseeing execution of graph-based contracts using hash chains. The method includes obtaining a graph-based contract. The graph-based contract is configured to enforce a contract for performing a transaction between at least two parties. The method also includes obtaining event data associated with an execution of the graph-based contract, and performing, governed by the graph-based contract, a first state transition from a first state to a second…
MATCHING ADOPTING USERS AND CONTRIBUTING USERS FOR DECENTRALIZED SOFTWARE LOCALIZATION
Granted: August 29, 2019
Application Number:
20190265992
A method to configure a software solution may include receiving a first specification of a type of configuration data items and a second specification of system selected user attributes associated with the type of configuration data items, and receiving a configuration data item that is used to configure a first localized version of the software solution. The method may further include receiving a contributing user attribute specification that specifies a first user attribute and a…
GLOBALLY SCALABLE SOLUTION
Granted: July 18, 2019
Application Number:
20190220171
A system includes (i) a configuration service executing on a computer processor and configured to select, based on a user attribute of a user, a configurable user interface, and select, based on the user attribute of the user, a configurable workflow, (ii) a contribution management system that generates a statistical measure of a plurality of users by tracking the plurality of users using the plurality of configurable user interfaces and the plurality of configurable workflows to perform…
DOMAIN SPECIFIC NATURAL LANGUAGE UNDERSTANDING OF CUSTOMER INTENT IN SELF-HELP
Granted: June 20, 2019
Application Number:
20190188326
Method and apparatus for providing a personalized self-support service to a user of an online application coupled with an online community forum. Embodiments include obtaining a plurality of questions from the online community forum and obtaining historical user data. Embodiments further include identifying one or more part-of-speech words in the plurality of questions and generating a high-dimensional vector for each question of the plurality of questions based on a frequency of the one…
SYSTEM AND METHOD FOR GENERATING AGGREGATED STATISTICS OVER SETS OF USER DATA WHILE ENFORCING DATA GOVERNANCE POLICY
Granted: May 30, 2019
Application Number:
20190163790
A system and method for use with a data management service provides aggregated statistics derived from a large amount of user data extracted from one or more transaction management systems. The aggregated statistics are based on client queries from client systems. The queries request statistical information about a queried user grouping. An input interpreter module uses machine learning to modify the queried user grouping into a plurality of improved user groupings. A statistics…
SYSTEM AND METHOD FOR RELIABLE EXTRACTION AND MAPPING OF DATA TO AND FROM CUSTOMER FORMS
Granted: May 2, 2019
Application Number:
20190129931
A method and system generate customized financial document templates in a document preparation system, according to one embodiment. The method and system receive document data from a user corresponding to a document including a plurality of custom data fields in a custom template. The method and system map the custom data fields to system data fields from a relatively small subset of data fields selected from a system data field pool based on the characteristics of the user. The method…
METHOD AND SYSTEM FOR PROVIDING AN EMBEDDED WEB BROWSER TO ASSIST RETRIEVING FINANCIAL DOCUMENT DATA DURING A FINANCIAL MANAGEMENT INTERVIEW
Granted: March 28, 2019
Application Number:
20190096003
A method and system assists users of a user of a financial management system to retrieve financial document data from third-party websites during a financial management interview presented to the user by the financial management system via a primary web browser executed in a computing environment of the user. The method and system implement an embedded web browser in the primary web browser of the user and assist the user to download the financial document data without switching from the…
METHODS AND SYSTEM FOR STORAGE RETREIVAL
Granted: March 7, 2019
Application Number:
20190073229
A method for storage retrieval, including receiving a request for application content. The request includes a first field identifier. The method further includes submitting a query to a content repository, for each asset including the first field identifier, receiving a first asset including the first field identifier and a second asset including the first field identifier, and extracting a first variability tag from the first asset and a second variability tag from the second asset…
METHOD AND SYSTEM FOR IDENTIFYING POTENTIAL FRAUD ACTIVITY IN A TAX RETURN PREPARATION SYSTEM TO TRIGGER AN IDENTITY VERIFICATION CHALLENGE THROUGH THE TAX RETURN PREPARATION SYSTEM
Granted: February 28, 2019
Application Number:
20190066248
Special data sources and algorithms are used to analyze tax return data in order to identify potential fraudulent activity before the tax return data is submitted in a tax return preparation system. Then, once the potential fraudulent activity is identified, an identity verification challenge is generated through the tax return preparation system requiring a response from the user of the account associated with the potential fraudulent activity before the tax return data is submitted.…
SYSTEM AND METHOD FOR IDENTIFYING AND PROVIDING PERSONALIZED SELF-HELP CONTENT WITH ARTIFICIAL INTELLIGENCE IN A CUSTOMER SELF-HELP SYSTEM
Granted: January 17, 2019
Application Number:
20190018692
A customer self-help system employs artificial intelligence to generate personalized self-help content that is responsive to a user query submitted to the customer self-help system, according to one embodiment. The customer self-help system includes a pre-processor that characterizes and categorizes the self-help content into self-help content components, by using one or more content processing algorithms (e.g., a natural language processing algorithm), according to one embodiment. The…
MONITORING OF APPLICATION PROGRAM INTERFACE INTEGRATIONS
Granted: January 17, 2019
Application Number:
20190018760
A method for monitoring application program interface integrations is provided. The method includes identifying, based on monitored transactions, a plurality of run time dependencies between at least two services. Also, the method includes creating, for each of the identified dependencies, a context of the dependency. In addition, the method includes setting a baseline state of a system utilizing the contexts.
