Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.

Abstract: A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit instructions via APIs to peer-to-peer payment systems to request payment from the requestees. The peer-to-peer payment systems may transfer the payment to the transaction account issuer, and the transaction account issuer may apply to payment to the consumer's transaction account.

Abstract: [Object] To provide an information processing apparatus, a control method and a storage medium through which emotional values of objects can be numerically expressed on the basis of an interaction between the objects. [Solution] An information processing system including: a detection unit that detects information related to an interaction between a first object and a second object; and a generation unit that is capable of generating an emotion value of the first object and an emotion value of the second object on the basis of the information related to the interaction.

Abstract: The present disclosure relates to systems and methods for optimizing benefits plan options offered by an organization through balancing derived population preferences with organizational preferences by analyzing historical selections made by individuals. Census data dividing members of an organization into census divisions may be applied to machine learning algorithm(s) to derive estimated selection preferences of the members. Using selection preferences, costs of various product offering scenarios and overall member satisfaction estimates of the scenarios may be calculated. Product offering scenarios meeting member preference criteria and organizational budget criteria may be presented for review.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for providing an estimate of cost of a claim to a homeowner. One of the methods includes receiving information about damage to a home of a homeowner. The method includes retrieving a home insurance policy associated with the homeowner and home insurance claims that have been submitted by other homeowners. The method also includes analyzing the information about the damage, the home insurance policy, and the home insurance claims to determine an estimate of cost of a claim that would cover the damage. In addition, the method includes providing the homeowner with the estimate of cost of the claim.

Abstract: The present application provides a self-driving vehicle positioning method, an apparatus and a storage medium, where the method includes: obtaining reference data, where the reference data includes: state information and running path information of at least one traffic participant within a preset distance from a self-driving vehicle, and updating positioning information of the self-driving vehicle according to the reference data. In the technical solutions, when a GPS signal is weak, the self-driving vehicle can also update the positioning information in time, thereby ensuring driving safety of the self-driving vehicle, and solving a driving safety problem existing in the self-driving vehicle of the prior art.

Abstract: A computer program for providing access to auto insurance information comprises a first software widget and a second software widget. The first software widget may appear on a display of a mobile electronic device. When selected by a user, the first software widget displays a first information screen that includes a phone number and a mailing address for an insurance agent of the user. The second software widget may also appear on the display. When selected by the user, the second software widget displays a second information screen that includes an image of an auto insurance card of the user. The second software widget may compare an expiration date from the second information screen with the current date and generate a first indicia if the expiration date occurred before the current date (such as if the virtual auto insurance card is out of date and needs to be updated).

Abstract: Using a planning circuit of a vehicle, a map is accessed that includes information identifying at least one lane on which vehicles can travel. Using the planning circuit and from the map, a graph representing a driving environment of the vehicle is generated. The graph includes multiple trajectories. At least one trajectory includes a lane change. Each trajectory is a path for the vehicle to move from a first spatiotemporal location to a second spatiotemporal location. The trajectory includes at least one lane alone which the vehicle can move. Using the planning circuit, a trajectory of the multiple trajectories for the vehicle to travel is selected based on an initial vehicle trajectory of the vehicle. The selected trajectory includes a stem. The stem is a portion of the selected trajectory to which the vehicle is configured to adhere. Using the control circuit, the vehicle is moved along the selected trajectory.

Abstract: Reconciliation and subscription-model permissions of data stored across independent ledger instances of a database. A system includes a resource manager coupled to a plurality of client accounts. The system includes an execution platform and a shared permissioned ledger comprising independent processing and storage nodes for executing data operations for the plurality of client accounts. The resource manager defines a settlement group comprising one or more client accounts and authenticates an observer node associated with the settlement group. The resource manager assigns ingested data an encryption level on a key hierarchy based on content of the ingested data.

Abstract: An exemplary system, method and computer accessible medium can include receiving an authorization token related to a customer(s), determining a client identification (ID) associated with the customer(s) based on the authorization token, and determining access to a microservices(s) based on the client ID. An application for a loan(s) from the customer (s) can be received based on the client ID and the loan(s) can be associated with an application ID(s). A further authorization token related to a further customer(s) can be received, a further client ID can be determined based on the further authorization token, a determination can be made as to whether the further client ID has access to the application, and access to the application can be granted to the further customer(s) if the further client ID is determined to have access to the application.

Abstract: Certain aspects of the present disclosure provide techniques for generating a human readable summary explanation to a user for an outcome generated by a complex machine learning model. In one embodiment, a risk assessment service can receive a request from a user in which a risk model of the risk assessment service performs a specific task (e.g., determining the level of risk associated with the user). Once the risk model determines the risk associated with the user, in order to comply with regulations from a compliance system, the risk model can provide a user with an explanation as to the outcome for transparency purposes.

Abstract: A commercial vehicle used for parcel delivery is installed with a control module. The control module communicates wirelessly with a transmitter to give control to the vehicle operator. The vehicle operator can access the vehicle's cargo compartment through the bulkhead door and/or the rear door solely by using the transmitter as opposed to manually actuating the door latch. A door actuator is added to the bulkhead door such that when the bulkhead door is wirelessly actuated the door opens without operator assistance, and the process of the door opening does not damage the vehicle. Additionally, the vehicle operator can initiate the control module to allow a push-button start and stop of the vehicle's ignition system. Such elements contribute to time savings and cost savings for parcel delivery operators.

Abstract: A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.

Abstract: Systems and methods for implementing one or more autonomous features for autonomous and semi-autonomous control of one or more vehicles are provided. More specifically, image data may be obtained from an image acquisition device and processed utilizing one or more machine learning models to identify, track, and extract one or more features of the image utilized in decision making processes for providing steering angle and/or acceleration/deceleration input to one or more vehicle controllers. In some instances, techniques may be employed such that the autonomous and semi-autonomous control of a vehicle may change between vehicle follow and lane follow modes. In some instances, at least a portion of the machine learning model may be updated based on one or more conditions.

Abstract: A flight task processing method includes generating and displaying a user prompt according to flight data of a plurality of flight tasks, selecting one of the flight tasks as a target flight task in response to a selection operation with respect to the user prompt, determining the flight data of the target flight task, processing the flight data of the target flight task to obtain control instruction, and automatically controlling an operation of an aerial vehicle according to the control instruction to reproduce the target flight task by controlling the aerial vehicle to fly to a waypoint included in the flight data, controlling a gimbal of the aerial vehicle to face a gimbal orientation included in the flight data while the aerial vehicle is at the waypoint, and controlling a camera carried by the gimbal to acquire an image while the aerial vehicle is at the waypoint.

Abstract: Embodiments of the transmission latency leveling apparatuses, methods and systems provide an electronic bidding order management infrastructure, such as a “point-of-presence,” which receives and routes electronic trading orders from different trading entities at a server via a transmission medium to create a certain amount of transmission latency before the trading orders could arrive at and be executed at electronic exchanges to reduce latency arbitrage and/or order book arbitrage that may be experienced by high frequency trading participants. A similar transmission latency may be applied to the egress transmission of market data updates issued by an electronic exchange. Other techniques for facilitating electronic trading are also disclosed.

Abstract: A method that predicts business income from user transaction data. A multinomial classifier is trained, using a vector of features from data related to a historical transaction and a label associated with the historical transaction, to generate a probability that the historical transaction belongs to a specific classification with respect to income. Data related to a new transaction is split into a set of unigrams. A new vector of features is generated from the data related to the new transaction. The new vector includes a set of values that correspond and are assigned to the set of unigrams. A classification with respect to income is determined for the new transaction by applying the multinomial classifier to the new vector. The new transaction is labeled with the classification. One or more fields of a form that is maintained by an online service is populated using the classification.

Abstract: Systems and methods related facilitating default sharing between frequently used line of business products according to one or more example embodiments are shown. Such systems and methods make use of sharing of information between the line of business products. In some embodiments, this sharing of the data between line of business products facilitates a universal portal that may be personalized and/or customized in function and appearance. In some embodiments, the universal portal is an application on a user device that, at least, provides access to other applications running on the user device in a consolidated manner as well as additional functions present in the universal portal itself. In some embodiments, visual aspects of the presentation of applications and functionality are changed in the universal portal based on information that has been shared between different line of business products.

Abstract: Circuitry acquires, when predetermined money handling is executed, stored money information including specific information of money stored in a storage before execution of the money handling and money transfer information including specific information of money transferred in execution of the money handling, determines, based on the stored money information and the money transfer information, a presence or absence of an occurrence of an abnormality related to money in the money handling apparatus and generates, in a case that it is determined that there is the presence of the occurrence of the abnormality, fraud data related to the occurrence of the abnormality.

Abstract: Automated vehicle repair estimation by aggregate ensembling of multiple artificial intelligence functions is provided. A method comprises receiving a plurality of vehicle repair recommendation sets for a damaged vehicle, wherein each of the vehicle repair recommendation sets identifies at least one recommended vehicle repair operation of a plurality of the vehicle repair operations for the damaged vehicle; aggregating a plurality of the recommended vehicle repair operations; generating a composite vehicle repair recommendation set that identifies the aggregated recommended vehicle repair operations; and providing the composite vehicle repair recommendation set to one or more vehicle repair insurance claims management systems.