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    CONNECTED ACCOUNTING SYSTEM AND USER INTERFACES
    1.
    发明申请
    CONNECTED ACCOUNTING SYSTEM AND USER INTERFACES 审中-公开

    公开(公告)号：WO2023004126A1

    公开(公告)日：2023-01-26

    申请号：PCT/US2022/038033

    申请日：2022-07-22

    Applicant: TALLYFOR, INC.

    Inventor： WEN, Peter ,  WEN, Benson

    IPC: G06Q40/12 ,  G06F16/90

    Abstract: A method and system for determining a set of accounting data structure (ADS) chains including a first ADS chain, a second ADS chain, a third ADS chain, and a fourth ADS chain; determining a first connection data structure (CDS); determining a second CDS; determining a set of mutually exclusive partitions including a first partition and a second partition, wherein the first partition and second partition are mutually exclusive in that no CDS links an ODS in an ADS chain associated with the first partition to an ODS in an ADS chain associated with the second partition; assigning the first partition to a first set of computational resources; and assigning the second partition to a second set of computational resources are described.

    SUGGESTIVE SELLING ON A PRODUCT TREE BASED MULTI-LEVEL MARKETING SYSTEM
    2.
    发明申请
    SUGGESTIVE SELLING ON A PRODUCT TREE BASED MULTI-LEVEL MARKETING SYSTEM 审中-公开

    公开(公告)号：WO2022011301A1

    公开(公告)日：2022-01-13

    申请号：PCT/US2021/041158

    申请日：2021-07-09

    Applicant: KWIKCLICK, LLC

    Inventor： COOPER, Fred

    IPC: G06Q10/00 ,  G06Q30/0214 ,  G06Q30/0282 ,  G06Q30/0615 ,  G06Q40/12

    Abstract: The present disclosure is directed to a system and method to allow sellers of products to establish individual products in a multilevel marketing (MLM) commission system, where the product is offered and sold to a first purchaser - who then actively by requesting a code, or passively, through the purchase of the product, becomes a user of the commission system. The registered user will be allowed to advertise the product to a second purchaser and the second purchaser will be allowed to purchase the product and provide advertisements to other purchasers. After a product is purchased, commissions are paid out to each respective purchaser according to the commission plan. The system records which products are most often purchased together. Users and sellers of products may receive information on which products are most often purchased together and may receive techniques or advice on how to effectively sell the products together.

    UNIDIMENSIONAL EMBEDDING USING MULTI-MODAL DEEP LEARNING MODELS
    4.
    发明申请
    UNIDIMENSIONAL EMBEDDING USING MULTI-MODAL DEEP LEARNING MODELS 审中-公开

    公开(公告)号：WO2022187634A1

    公开(公告)日：2022-09-09

    申请号：PCT/US2022/018926

    申请日：2022-03-04

    Applicant: CAPITAL ONE SERVICES, LLC

    Inventor： LE, Minh ,  KULIS, Zachary ,  LAHLOU, Tarek

    IPC: G06N3/04 ,  G06Q40/00 ,  G06N3/08 ,  G06Q20/38 ,  G06F17/18 ,  G06N3/045 ,  G06N3/084 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

    Abstract: Unidimensional embedding using multi-modal deep learning models. An autoencoder executing on a processor may receive transaction data for a plurality of transactions, the transaction data including a plurality of fields, the plurality of fields including a plurality of different data types. An embeddings layer of the autoencoder may generate an embedding vector for a first transaction, the embedding vector includes floating point values to represent the plurality of data types of the transaction data. One or more fully connected layers of the autoencoder may generate, based on the embedding vector, a plurality of statistical distributions for the first transaction, each statistical distribution includes a respective embedding vector. A sampling layer of the autoencoder may sample a first statistical distribution of the plurality of statistical distributions. A decoder of the autoencoder may decode the first statistical distribution to generate an output representing the first transaction.

    MINIMIZING REGRET THROUGH ACTIVE LEARNING FOR TRANSACTION CATEGORIZATION
    5.
    发明申请
    MINIMIZING REGRET THROUGH ACTIVE LEARNING FOR TRANSACTION CATEGORIZATION 审中-公开

    公开(公告)号：WO2021262381A1

    公开(公告)日：2021-12-30

    申请号：PCT/US2021/034388

    申请日：2021-05-27

    Applicant: INTUIT INC.

    Inventor： LESNER, Christopher Z. ,  RAN, Alexander S. ,  COOPER, Kristin

    IPC: G06Q40/00 ,  G06Q40/02 ,  G06N20/00 ,  G06Q40/12

    Abstract: Aspects of the present disclosure provide techniques for training a machine learning model. Embodiments include determining a set of unlabeled user transaction records associated with a user. Embodiments include selecting a first unlabeled user transaction record associated with a first vendor from the set of unlabeled user transaction records based on a transaction record prioritization scheme. Embodiments include presenting the first unlabeled user transaction record to the user in a label query. Embodiments include receiving, from the user in response to the label query, a label of a first account for the first unlabeled user transaction record. Embodiments include selecting a second unlabeled user transaction record associated with a second vendor from the set of unlabeled user transaction records based on: the transaction record prioritization scheme, and a determination that the second vendor is least likely to be categorized by the user in the first account.

    SYSTEM AND METHOD FOR AUTOMATED INVESTMENT
    6.
    发明申请
    SYSTEM AND METHOD FOR AUTOMATED INVESTMENT 审中-公开

    公开(公告)号：WO2021150260A1

    公开(公告)日：2021-07-29

    申请号：PCT/US2020/026406

    申请日：2020-04-02

    Applicant: INTEREST INVESTMENTS, INC.

    Inventor： STARR, Robert ,  FROUG, Aaron ,  FROUG, Robin

    IPC: G06Q40/04 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q40/12 ,  G06F3/0488 ,  G06F16/242 ,  G06Q20/10 ,  G06Q30/0224

    Abstract: The inventive system and method presented herein provides for the automated investment in financial instruments based on a user's shopping patterns or transaction history. Embodiments of the invention allow for the purchase of fractional shares or whole shares based on user selected preferences. The automated investment in financial instruments is accomplished through calculating an investment amount which may be a user defined amount, a round up to the nearest whole dollar, or a system required amount. The inventive system and method reviews a user's purchase transactions by monitoring spending on connected financial accounts of user (bank card, credit card, etc), extracting retailer data from the user's transactions, matching the retailer to one or more available security and purchasing an amount of the available security with the calculated investment amount. Thus the present invention allows for the automated investment and savings for its users, satisfying an unmet need.

    SYSTEM AND METHOD FOR ENABLING TRANSACTIONS
    7.
    发明申请
    SYSTEM AND METHOD FOR ENABLING TRANSACTIONS 审中-公开
    用于实现交易的系统和方法

    公开(公告)号：WO2015056119A1

    公开(公告)日：2015-04-23

    申请号：PCT/IB2014/064822

    申请日：2014-09-25

    Applicant: PADMANABHA, Anantha ,  UPADHYAYA, Nishanth

    Inventor： PADMANABHA, Anantha ,  UPADHYAYA, Nishanth

    IPC: G06F21/00 ,  G06Q20/00 ,  G06Q40/12 ,  G07C9/00 ,  H04L9/32

    CPC classification number: G06Q20/425 ,  G06F21/335 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/227 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3274 ,  G06Q20/385 ,  G07C9/00126 ,  H04L9/3228

    Abstract: System and method for enabling transactions. The system includes an application module and a transaction module. The application module is configured to collect data from a user. The transaction module includes a storage module and a processing module. The storage module is configured to store at least a part of the collected data from the user. The processing module is configured to set a temporary authentication code to data collected from user based on a request received from the user; provide the temporary authentication code to the user, third party application or any other specified recipient; and provide at least a part of the stored collected data corresponding to the user, to at least a third-party application, based on authentication carried out using the authentication code and its role in transaction.

    Abstract translation: 用于启用事务的系统和方法。 该系统包括应用模块和交易模块。 应用模块被配置为从用户收集数据。 交易模块包括存储模块和处理模块。 存储模块被配置为存储来自用户的所收集的数据的至少一部分。 处理模块被配置为基于从用户接收的请求将临时认证码设置为从用户收集的数据; 向用户，第三方应用程序或任何其他指定的接收方提供临时认证码; 并且基于使用认证码进行的认证及其在交易中的角色，向至少第三方应用提供对应于用户的所存储的所收集的数据的至少一部分。

    MERGING MULTI-LEVEL MARKETING SYSTEMS AND INTEGRATING A PRODUCT TREE
    8.
    发明申请
    MERGING MULTI-LEVEL MARKETING SYSTEMS AND INTEGRATING A PRODUCT TREE 审中-公开

    公开(公告)号：WO2023287802A2

    公开(公告)日：2023-01-19

    申请号：PCT/US2022/036840

    申请日：2022-07-12

    Applicant: KWIKCLICK, LLC

    Inventor： COOPER, Fred

    IPC: G06Q40/12 ,  G06Q10/105 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q30/0214

    Abstract: Disclosed herein is a system and method to merge any two or more MLMs into a multiline MLM system despite having different commission structures. Each member of the original MLMs is able to maintain their existing downlines without any changes. Further the existing MLM members have full access to the multi-line MLM commission structure. Members will have access to a product tree MLM which is a separate MLM that is set up so that commissions made via the product tree MLM still are paid upline through the merged multiline MLM. The product tree MLM may be exclusive or cost-gated such that joining or continuing to be a member of the multiline MLM is incentivized by free or reduced cost access to the product tree MLM. The product tree MLM need not be controlled by the same person, persons, entity, or entities, as the multiline MLM.

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