公开(公告)号：US12079843B2

公开(公告)日：2024-09-03

申请号：US17684649

申请日：2022-03-02

Applicant: Sung Wan Kim

Inventor： Sung Wan Kim

IPC: G06Q30/02 ,  G06Q30/0241 ,  G06Q30/0251 ,  G06Q30/0272 ,  G06Q30/0273

CPC classification number: G06Q30/0277 ,  G06Q30/0255 ,  G06Q30/0272 ,  G06Q30/0273 ,  G06Q30/0275

Abstract: Disclosed is an on-line advertisement method using an advertisement website. An on-line advertisement method according to an embodiment of the present invention provides an advertisement available to a user terminal at a current position of a user terminal which accesses an advertisement website.

公开(公告)号：US20240289841A1

公开(公告)日：2024-08-29

申请号：US18654070

申请日：2024-05-03

Applicant: Loop Now Technologies, Inc.

Inventor： Edwin Chiu ,  Michael A Shoss

IPC: G06Q30/0251 ,  G06Q30/0241 ,  G06Q30/0601

CPC classification number: G06Q30/0255 ,  G06Q30/0277 ,  G06Q30/0633

Abstract: Disclosed embodiments provide techniques for immediate livestreams in a short-form video ecommerce environment. A website that includes a plurality of products for sale is accessed. The website is viewed by a plurality of users. One or more groups of users is identified. Each of the one or more groups includes users with an interest in one or more products from the plurality of products for sale. An immediate livestream is created for each group of the one or more groups of users when a number of users within each group is higher than a threshold value. The immediate livestream includes the one or more products. The immediate livestream is rendered within the container unit on the website to each group of the one or more groups of users. An ecommerce purchase of the one or more products is enabled within the immediate livestream.

公开(公告)号：US20240289838A1

公开(公告)日：2024-08-29

申请号：US18495155

申请日：2023-10-26

Applicant: Capital One Services, LLC

Inventor： Eric K. BARNUM

IPC: G06Q30/0242 ,  G06F16/483 ,  G06Q30/0201 ,  G06Q30/0251 ,  G06V20/40

CPC classification number: G06Q30/0246 ,  G06F16/483 ,  G06Q30/0201 ,  G06Q30/0255 ,  G06V20/40

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for transition-coded media, measuring engagement of transition-coded media, and distribution of components of transition-coded media. For instance, the method may include: obtaining a media file; determining whether the media file includes transition-coded media; in response to determining the media file includes the transition-coded media, setting up a dynamic media environment; detecting whether a user is interacting with the transition-coded media; and in response to detecting the user is interacting with the transition-coded media, executing the transition-coded media with the dynamic media environment.

公开(公告)号：US12071296B2

公开(公告)日：2024-08-27

申请号：US18353253

申请日：2023-07-17

Applicant: TD Ameritrade IP Company, Inc.

Inventor： Kevin Michael Wysocki ,  Michelle Schroeder

IPC: B65D81/26 ,  B32B1/00 ,  B32B7/12 ,  B32B27/08 ,  B32B27/20 ,  B32B27/30 ,  B32B27/32 ,  B65B11/52 ,  B65B25/06 ,  B65B31/02 ,  B65B51/22 ,  B65D65/40 ,  B65D77/04 ,  G06Q30/02 ,  G06Q30/0251 ,  H04L67/02

CPC classification number: B65D81/268 ,  B32B1/00 ,  B32B7/12 ,  B32B27/08 ,  B32B27/20 ,  B32B27/304 ,  B32B27/306 ,  B32B27/32 ,  B65B11/52 ,  B65B25/062 ,  B65B25/067 ,  B65B31/024 ,  B65B51/225 ,  B65D65/40 ,  B65D77/04 ,  G06Q30/02 ,  G06Q30/0251 ,  G06Q30/0255 ,  H04L67/02 ,  B32B2250/03 ,  B32B2250/05 ,  B32B2250/24 ,  B32B2264/1021 ,  B32B2270/00 ,  B32B2307/31 ,  B32B2307/724 ,  B32B2307/7244 ,  B32B2307/736 ,  B32B2439/70 ,  B65B2220/16 ,  B65D2565/387 ,  B65D2565/388 ,  B65D2577/043

Abstract: A computer server includes processor and memory hardware. The processor hardware executes instructions including parsing a hypertext transfer protocol (HTTP) request from a first user agent to identify a first data object matching a set of characteristics and generating a new data element based on the HTTP request. The instructions include, in response to the first data object being present: extracting a first set of serialized data elements and serializing them with the new data element to generate a second data object. The instructions include, in response to the first data object being absent and a user associated with the first user agent being identifiable: determining a second set of serialized data elements based on an identity of the user, and serializing them with the new data element to generate the second data object. The instructions include transmitting an HTTP response including the second data object.

公开(公告)号：US20240281847A1

公开(公告)日：2024-08-22

申请号：US18384836

申请日：2023-10-28

Applicant: AlmondNet, Inc.

Inventor： Roy Shkedi

IPC: G06Q30/0251 ,  G06Q30/02 ,  G06Q30/0241 ,  G06Q30/0242 ,  G06Q30/0273 ,  H04L67/306 ,  H04L67/50

CPC classification number: G06Q30/0255 ,  G06Q30/02 ,  G06Q30/0241 ,  G06Q30/0242 ,  G06Q30/0246 ,  G06Q30/0247 ,  G06Q30/0249 ,  G06Q30/0269 ,  G06Q30/0273 ,  G06Q30/0277 ,  H04L67/306 ,  H04L67/535

Abstract: An automatic system facilitates selection of media properties on which to display an advertisement, responsive to a profile collected on a first media property, where a behavioral-targeting company calculates expected profit for an ad correlated with the profile and arranges for the visitor to be tagged with a tag readable by the selected media property. The profit can be calculated by deducting, from the revenues that are expected to be generated from an ad delivered based on the collected profile, at least the price of ad space at a media property where the BT company might like to deliver ads to the profiled visitor. When the calculated profit is positive (i.e., not a loss), the BT company arranges for the visitor to be tagged with a tag readable by the selected media property through which the BT company expects to profit.

公开(公告)号：US20240281835A1

公开(公告)日：2024-08-22

申请号：US18651923

申请日：2024-05-01

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/0202 ,  G06Q30/0251

CPC classification number: G06Q30/0202 ,  G06Q30/0255

Abstract: Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions.

公开(公告)号：US12067614B2

公开(公告)日：2024-08-20

申请号：US18060043

申请日：2022-11-30

Applicant: Capital One Services, LLC

Inventor： Richard Elliott ,  Matthew Sextone ,  Patricia Hansen ,  Rhett Edwards

IPC: G06Q30/02 ,  G06Q30/0241 ,  G06Q30/0251 ,  G06Q40/00

CPC classification number: G06Q40/00 ,  G06Q30/02 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0277

Abstract: A system and method for performing a purchase transaction using rewards points by receiving a purchase request using a financial account with associated account information, determining based on the account information that the financial account is associated with a rewards program with rewards points, and providing the option to pay for the purchase using the financial account or at least a portion of the rewards points. The purchase may be paid for using rewards points from multiple rewards programs and/or multiple financial accounts.

公开(公告)号：US12067593B2

公开(公告)日：2024-08-20

申请号：US18123105

申请日：2023-03-17

Applicant: SAMSUNG ELECTRONICS CO., LTD.

Inventor： Sanghun Park ,  Kunhee Jo ,  Seongmin Joe ,  Yeongjin Chi

IPC: G06Q30/00 ,  G06N5/04 ,  G06Q30/0251

CPC classification number: G06Q30/0255 ,  G06N5/04

Abstract: Provided is a method of determining an advertisement target according to an advertisement request, the method includes: obtaining usage history information from a plurality of devices, obtaining features of the plurality of devices, based on the usage history information, and generating feature vectors for the obtained features; determining labels for the plurality of devices, based on the advertisement request and the obtained features; generating an advertisement target inference model, based on the determined labels and the feature vectors; and determining at least one advertisement target device among the plurality of devices by applying the generated advertisement target inference model to the plurality of devices.

公开(公告)号：US12067367B2

公开(公告)日：2024-08-20

申请号：US18517720

申请日：2023-11-22

Applicant: UNLIKELY ARTIFICIAL INTELLIGENCE LIMITED

Inventor： William Tunstall-Pedoe ,  Finlay Curran ,  Harry Roscoe ,  Robert Heywood

IPC: G06F17/00 ,  G06F16/242 ,  G06F16/31 ,  G06F16/332 ,  G06F16/951 ,  G06F40/123 ,  G06F40/126 ,  G06F40/20 ,  G06F40/205 ,  G06F40/211 ,  G06F40/226 ,  G06F40/242 ,  G06F40/279 ,  G06F40/30 ,  G06F40/35 ,  G06F40/45 ,  G06F40/47 ,  G06F40/58 ,  G06N3/0442 ,  G06N3/0455 ,  G06N3/0499 ,  G06N3/08 ,  G06N5/02 ,  G06Q10/1053 ,  G06Q30/0251 ,  G06Q30/0601 ,  G10L15/16 ,  G10L15/18 ,  G10L15/22 ,  G10L15/26 ,  G10L25/63 ,  G16H10/60 ,  H04L51/02 ,  G06N3/091 ,  G10L15/08

CPC classification number: G06F40/35 ,  G06F16/243 ,  G06F16/322 ,  G06F16/3329 ,  G06F16/951 ,  G06F40/123 ,  G06F40/126 ,  G06F40/20 ,  G06F40/205 ,  G06F40/211 ,  G06F40/226 ,  G06F40/242 ,  G06F40/279 ,  G06F40/30 ,  G06F40/45 ,  G06F40/47 ,  G06F40/58 ,  G06N3/0442 ,  G06N3/0455 ,  G06N3/0499 ,  G06N3/08 ,  G06N5/02 ,  G06Q10/1053 ,  G06Q30/0255 ,  G06Q30/0631 ,  G10L15/16 ,  G10L15/1815 ,  G10L15/22 ,  G10L15/26 ,  G10L25/63 ,  G16H10/60 ,  H04L51/02 ,  G06N3/091 ,  G10L2015/088

Abstract: A computer implemented method for the automated analysis or use of data is implemented by a voice assistant. The method comprises the steps of: (a) storing in a memory a structured, machine-readable representation of data that conforms to a machine-readable language (‘machine representation’); the machine representation including representations of user speech or text input to a human/machine interface; and (b) automatically processing the machine representations to analyse the user speech or text input.

公开(公告)号：US12051107B2

公开(公告)日：2024-07-30

申请号：US18185811

申请日：2023-03-17

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： W. David Thomas ,  Claimonte Nelson ,  Dennis Bowers ,  Michael S. Hartman ,  Steven Noel Roth ,  Jagan Devisetty ,  Nagesh Chalasani ,  Jason J. Kim ,  Marianna Dulkina ,  Suzanne Dimant ,  Vakul Garg ,  Ajit Nalla ,  Daniel A. Haas ,  James Hennessey ,  Keith Reichenbach ,  Richard S. Bunke ,  Seth Goldkrantz ,  Stephani L. Breault ,  Steven Aller ,  Vidyasankar Narayanan ,  Wade A. Stratton ,  Margaret F. Evans ,  Kapil Bansal

IPC: G06Q40/03 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0251

CPC classification number: G06Q40/03 ,  G06Q30/0224 ,  G06Q30/0251 ,  G06Q30/0255

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.