Abstract: Systems and methods for collecting and aggregating data from multiple data sources on a real-time basis in an organized manner that can be stored, distributed, published, analyzed, and retrieved in various different formats and for different purposes is described. The methods include providing a user with reports and insights created by consolidating all data records and activity into a single data record generated by a common data model.

Abstract: Disclosed herein is a virtual assistant system having a biometric authentication device coupled to an electronic voice-based virtual assistant device. The biometric authentication device is configured to authenticate a user based on biometric data of the user to allow the user access to features of the electronic voice-based virtual assistant device.

Abstract: A wearable band transdermal medication device including one or more chamber for dispensing liquid transdermal medication, a device housing, and a transdermal applicator for the transdermal medication. The chamber includes a pouch containing a liquid transdermal medication pressurized at a first pressure, and an outlet for selective dispensing of the medication to a delivery section of the transdermal medication delivery device. The outlet may be a self-sealing membrane that dispenses liquid medication when subjected to a negative pressure differential, or may be a magnetic valve assembly. The device is configured as wristband, armband or other band worn by the patient with the transdermal applicator at an outer face of the device housing in contact with the patient's skin. A plurality of chambers housed by the device operate under electrical control to dispense medication, subject to access authorization, and subject to regimens for transdermal administration of the liquid medication.

Abstract: Provided method and system allow dynamic rendering of a reflexive questionnaire based on a modifiable spreadsheet for users with little to no programming experience and knowledge. The method comprises receiving a modifiable spreadsheet with multiple rows, each row comprising rendering instructions for a reflexive questionnaire from a first computer, such as a data type cell, statement cell, logic cell, and a field identifier; rendering a graphical user interface, on a second computer, comprising a label and an input element corresponding to the rendering instructions of a first row of the spreadsheet; receiving an input from the second computer; evaluating the input against the logic cell of the spreadsheet; in response to the input complying with the logic cell of the spreadsheet, dynamically rendering a second label and a second input element to be displayed on the graphical user interface based on the logic of the first row.

Abstract: Provided methods and systems allow dynamic rendering of a reflexive questionnaire based on a modifiable spreadsheet for users with little to no programming experience and knowledge. Some methods comprise receiving a modifiable spreadsheet with multiple rows, each row comprising rendering instructions for a reflexive questionnaire from a first computer, such as a data type cell, statement cell, logic cell, and a field identifier; rendering a graphical user interface, on a second computer, comprising a label and an input element corresponding to the rendering instructions of a first row of the spreadsheet; receiving an input from the second computer; evaluating the input against the logic cell of the spreadsheet; in response to the input complying with the logic cell of the spreadsheet, dynamically rendering a second label and a second input element to be displayed on the graphical user interface based on the logic of the first row.

Abstract: A system may generate all possible character mistakes in a first uniform resource locator associated with a first website, which may produce a set of unique and similar uniform resource locators associated with a set of similar websites. The system may execute machine vision algorithms to compare visual images of the first website and the set of similar websites, and identify a subset of similar websites, which may be undistinguishable from the first website. The system may block the subset of websites, and thereby prevent any user from accessing these fraudulent and malicious websites.

Abstract: Disclosed herein are display techniques that will allow sensitive data displayed on a computer screen to only be viewed by authorized users and will render computer screen unreadable to unauthorized users. One or more display techniques are capable of automatically scrambling and unscrambling display screen of the computing device in which only an intended viewer is able to view data on the display screen using deciphering glasses.

Abstract: A method comprising displaying a first GUI to a first client comprising an option to check-out and a check-in a spreadsheet comprising at least one row comprising a statement a statement, a data type identifier, and a logic; checking-out the file such that the file cannot be modified by a second client; receiving from the first client, a modification request and a modification input; modifying the checked-out spreadsheet based on the modification input; checking-in the file; generating a set of rendering instructions corresponding to a second GUI based on the modified spreadsheet; and transmitting the set of rendering instructions to a computing device associated with a third client, whereby the set of rendering instructions causes the computing device associated with the third client to display the second graphical user interface.

Abstract: This disclosure discloses a technique for presenting a conversation message in a messenger application.

Abstract: A call management system of a call center retrieves from a customer database enterprise customer data associated with an identified customer in a customer call, which may include customer event data, attributions data, and activity event data. The customer database tracks prospects, leads, new business, and purchasers of an enterprise. The system retrieves customer demographic data associated with the identified customer. A predictive model is selected from a plurality of predictive models based on retrieved enterprise customer data. The selected predictive model, including a logistic regression model, and tree-based model, determines a value prediction signal for the identified customer, then classifies the identified customer into a first value group or a second value group. The system routes a customer call classified in the first value group to a first call queue assignment, and routes a customer call classified in the second value group to a second call queue assignment.

Abstract: Systems and methods for assessing the needs of customers using predictive modeling techniques are disclosed in which a server receives, from a computing device, a request to generate a recommendation for a first user, the server further receiving a set of attributes of the first user; identifies at least one missing attribute for the first user and an existing user profile corresponding to a second user having the set of attributes; executes an artificial intelligence model trained based on personas corresponding to a set of existing users, wherein the artificial intelligence model estimates the at least one missing attribute of the first user; updates a user profile of the first user using the estimated at least one missing attribute generated by the artificial intelligence model; generates the recommendation based on the updated user profile; and transmits the recommendation to be displayed on the graphical user interface.

Abstract: A computer-implemented method comprises receiving a first request to update an employment record associated with a user in a first blockchain; generating a graphical user interface configured to receive data associated with a second blockchain; receiving a first set of data associated with the second blockchain comprising identification of a block chain instance associated with the second blockchain and a first network node; generating an instruction to the first network node associated with the second blockchain to receive a latest valid second blockchain; generating a hash value based at least on one of the user, a hash value associated with the first block instance, the first network node, and the first computing device; appending, the second blockchain to the first block instance by updating a block instance associated with the second blockchain with the hash value; and transmitting the second block instance to the first computing device.

Abstract: The embodiments recite systems and methods that improve the traditional underwriting process within a financial institution. These embodiments produce an underwriting model that emulates the resolution patterns of top performing underwriters. The underwriting model once is built and tested is incorporated into decision tools that provide underwriters with insightful advices when underwriting a client. The embodiments use statistical learning techniques such as support vector machine and logistic regression. These techniques can assume a linear or nonlinear relationship between factors and risk classes. Furthermore, the underwriting model also uses artificial intelligence tools such as expert systems and fuzzy logic. A company's underwriting standards and best underwriting practices may be updated periodically so that underwriting model based on decision heuristic keep improving the quality of its output over time.

Abstract: A routing system of a call center determines a plurality of advisor clusters to be assigned to each of a plurality of lead records stored in a lead model database. The predictive machine learning model inputs lead model data and advisor model data into a clustering analysis. Various modeling data are extracted from source lead data, sales data, and advisor data, in which the advisor data has been flattened for modeling. The predictive machine learning model applies a combination of a clustering analysis, a cluster model, and an aggregate conversion model to lead model data and user model data. The clustering analysis utilizes unsupervised clustering and supervised clustering, and outputs a plurality of advisor clusters and sales conversion scores. The clustering analysis clusters each of the advisors into one of the plurality of advisor clusters based on degree of similarity of a clustering vector.

Abstract: Embodiments of the present disclosure include an efficient method for presenting a traversed path. The method disclosed can be used to track individuals or provide directions for the individual to return using a path already traversed, so that the individual does not get lost. The method comprises determining a location for an individual by receiving a device identifier (e.g., distinctive combination of numbers and/or characters uniquely identifying a receiving device associated with the individual) and location information, received from one or more beacons, from the receiving device. The method comprises determining a first location associated with the receiving device based on the location information and/or the device identifier. The method comprises determining different locations associated with the individual as the individual moves. The method comprises, upon receiving a request for a traversed path, displaying instructions to reach the point of origin (e.g., first location).

Abstract: Systems and methods described herein can automatically route an inbound call from an identified customer to one of a plurality of agents, the agent being selected on the basis of likelihood of a favorable outcome. The method determines a predictive model appropriate for the identified customer, with model variables including call center data, and targeted marketing data based upon risk data for the customer. An analytical engine calculates outcome predictions by applying the predictive model to values of model variables over a recent time interval. In a time-series analysis, this calculation is repeated while dynamically adjusting the recent time interval, until identifying a call routing option that satisfies a favorable outcome criterion. This method may be used to select the agent to handle the incoming call, and optionally to select a product for that agent to discuss with the identified customer.

Abstract: A server receives a request, for allocation of workforce, upon displaying a first network browser on a first client device and processes the request against a database of worker profiles and project profiles. Each of the worker profiles contains at least a worker identifier, an identified worker skill set, and a work schedule. Each of the project profiles contains a project identifier, a desired project skill set, and a desired timeframe for the desired project skill set. The server displays a second network browser on a second client device based on such processing, which contains available worker capacity and desired skills within a requested timeframe. A user operating the second client device can accept or ignore the recommendation and assign a worker to a project. The server may further update the project data and allocate the worker to the project.

Abstract: Methods and systems for supplying content to a user including generating, configuring content data for presentation on a display of a user computing device, transmitting the content data to the display of the user computing device for display on the user computing device, collecting, behavior data of the user sensed by the tracking module, generating engagement data based on the collected behavior data, determining supplemental content configured for presentation on a display of the user computing device and displaying the supplemental content to the user on the user computing device.

Abstract: A system and a method for identifying, ranking, and matching agents are disclosed herein. The system may include an analytical engine which may collect information from external and internal databases. The analytical engine may use the information collected from these databases, in addition to a success criteria, for determining one or more success factors or key attributes of successful agents. An algorithm within the analytical engine may compute probabilities, trends and variability analysis for determining the impact of the defined key attributes in the successful career developments for prospective or active agents. The analytical engine may identify prospective agents and match them to suitable general agents. A list of agents' leads, ranking reports, and ongoing assessments may be communicated or supplied to general agents through the use of agent computing devices operatively coupled with the analytical engine.

Abstract: Systems and methods for managing data in remote huddle collaboration are disclosed. The system for managing data may include one or more software modules which may employ one or more methods for uploading, downloading, and distributing data required in remote huddle sessions. Such method may allow storage of data in databases for a subsequent access when requested. Data may be indexed and may use tags and meta-tags for a fast search and storage. Method for managing data may allow users to set permissions for the data access in order to organize duties and set confidentiality during remote huddle collaboration. In addition, the system for managing data may employ a method for searching data available for other huddles, this method may use one or more search engines employing data mining.