7-eleven, Inc.

Capital One Services, LLC

Intuit, Inc.

Gurmeet Singh

Maninder Singh Suri

Raman Bajaj

Sanjiv Yajnik

Nicholas Dolle

Vikramaditya Repaka

Ajmal Karuthakantakath

Tarang Swadeshkumar Sethia

Chandra Dhandapani

Fredrick Allen Crable

Vivek Malik

Matthew O'Daniel Redmond

Boonchai Matthew Ragan

Jason Richard Hoover

Scott Albert

Patrick Eberle

Ranganathan Mohan

Jonathan Christopher Hodge

Adam Zedler

Kurt Wolf

Stephen Patrick Kinch

Nishanth Mandaara

Mark Hollon

Manish Agarwal

Warren Ellison

Charles Nathan Beran

Sajjad Mahmood Khan

Santhanagopalakrishnan Panchapakesan

Thomas R Palfreyman

Fred Crable

Sara Vassar

Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.

Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

A validation terminal located at a registered location comprises a barcode reader, a memory, and a processor. The memory stores a public key that is paired with a private key linked with the registered location of the validation terminal. The processor is operably coupled to the barcode reader and the memory, and is configured to detect an encrypted barcode that was scanned by the barcode reader from a mobile device that is located at the registered location of the validation terminal. The encrypted barcode is based at least in part upon transaction information associated with products in a digital cart, and the encrypted barcode is encrypted using the private key. The processor is further configured to decrypt the encrypted barcode using the stored public key, and to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.

Validation using key pairs and interprocess communications

A system that includes a fuel dispenser terminal and a remote controller. The fuel dispenser terminal is configured to send a service request for a fuel purchase to the remote controller and receive a personalized offer in response to sending the service request. The fuel dispenser terminal is further configured to display the personalized offer, receive a user response indicating the personalized offer was accepted, and send the user response to the remote controller. The fuel dispenser terminal is further configured to receive an authorization token for retrieving the personalized offer and output the authorization token to the customer. The remote controller is configured to update the service request by adding a purchase associated with the personized offer to the fuel purchase, send an encrypted service request to a service processor, generate the authorization token, and send the authorization token to the fuel dispenser terminal.

Network-enabled fuel dispensing system

Handheld device with wrap grip

An access control system that includes an access control device configured to receive transaction information that identifies a member identifier for a member and a purchased item. The access control device is configured to compare the purchased item to items in an item list and to determine whether the purchased item matches any items in the item list. The access control device is configured to store an authorization for the member identifier to access an augmented reality experience in response to a match.

Access control for an augmented reality experience using interprocess communications

A system that includes a fuel dispenser terminal and a remote controller. The fuel dispenser terminal is configured to generate a service request for a fuel purchase that includes card information, encrypt the service request, and send the encrypted service request to the remote controller. The fuel dispenser terminal is further configured to receive a personalized offer in response to sending the encrypted service request and display the personalized offer. The remote controller is configured to decrypt the service request to identify the card information associated with a customer and determine an identity of the customer based on the card information. The remote controller is further configured to generate a personalized offer for the customer based on their identity and send the personalized offer to the fuel dispenser terminal. The remote controller is further configured to re-encrypt the service request and send the re-encrypted service request to a service processor.

Remote data access using a network-enabled fuel dispensing system

A device that includes a housing configured to couple to an interior of a vehicle. The device further includes a card reader and a user interface. The card reader is configured to receive payment card information for a payment card. The user interface is configured to receive a user input identifying a product, to determine a current location of the device, to determine a vending location where the product is available based on the current location of the device, and to modify a route to a final destination to include the vending location. The user interface is further configured to send an authorization request requests a purchase of the product, to receive an approval message, to generate an authorization token that authorizes a purchase to retrieve the products from the vending location, and output the authorization token.

Remote vending using an integrated vehicle vending machine

A device that includes a housing configured to couple to a vehicle console. The device further includes a lid that is configurable between a closed position and an open position. The device further includes a lock is configured to transition from a locked configuration to an unlocked configuration. In the locked configuration, the lock is configured to maintain the lid in the closed position. In the unlocked configuration, the lock is configured to release the lid from the closed position. The device further includes a user interface configured to display products, receive a user input identifying a product, receive card information, send an authorization request that requests a purchase of the product, and send an authorization signal to a controller in response to receiving an approval message. The device further includes the controller configured to send an actuation signal to unlock the lock in response to receiving the authorization signal.

Integrated vehicle vending machine

An access control system that includes an access control device configured to receive transaction information that identifies a member identifier for a member and a purchased item. The access control device is configured to compare the purchased item to items in an item list and to determine whether the purchased item matches any items in the item list. The access control device is configured to store an authorization for the member identifier to access an augmented reality experience in response to a match. The access control device is configured to receive a number of session points earned by the member from interacting with the augmented reality experience, to add the received number of session points to the cumulative number of session points for the member, to identify a reward based on the cumulative session points, and to send reward information for retrieving the identified reward to the member.

A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

Vehicle purchasing tools

A validation system that includes a server and a validation terminal. The server is configured to receive location information for a mobile device and to determine the mobile device is at a registered location. The server is further configured to process a transaction for the products in a digital cart, to generate a barcode, and to encrypt the barcode using a private key linked with the registered location. The server is further configured to send the encrypted barcode to the mobile device. The validation engine is configured to scan the encrypted barcode using a barcode reader and to decrypt the encrypted barcode using the stored public key that is linked with the private key. The validation terminal is further configured to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.

Handheld device with pistol grip

Growing community of inventors

Irving, TX, United States of America

Gurmeet Singh