Abstract: According to various aspects, a safety module is described including: one or more processors configured to receive road information representing a geometry of one or more roads in a Cartesian coordinate system, determine a lane coordinate system based on the received road information, the lane coordinate system including a plurality of lane segments arranged along a longitudinal direction and along a lateral direction of the lane coordinate system, wherein a length information and a width information are assigned to each of the lane segments, and determine a potential collision event based on the lane coordinate system.

Abstract: The invention contemplates a method of transfer, involving opening one or more trust accounts associated with a plurality of accounts with at least one financial institution, creating a plurality of money account cards with each of the plurality of money account cards associated with a live account associated with the entire amount in the trust account opened and maintained by company with at least one financial institutions, distributing the money account cards to retailers, retailing the money account cards to customers for distribution of the cards to cardholders, receiving money from the customers, applying the money to predetermined accounts of the plurality of accounts, receiving requests from cardholders to access the money in the predetermined accounts, and dispersing funds from the predetermined accounts in response to the requests from cardholders.

Abstract: A vehicle control apparatus for controlling automated driving of a vehicle acquires information relating to a situation in a surrounding area of the vehicle, acquires, for each position, a first value relating to a probability that an object present in the surrounding area will be present at a future point in time, and a second value obtained based on travel data of a predetermined driver based on the information, the second values being specified using a model defined for a portion of regions through which the vehicle travels, and if the vehicle travels through a region for which a model is not defined, the second values being each specified by combining two values acquired using two models defined for two regions sandwiching the position through which the vehicle is traveling, and determines a path on which the vehicle is to move.

Abstract: An automatic drive assist apparatus includes a storage, an own-vehicle position estimator, a route-information input device, a traveling route setter, and an automatic drive controller including a rerouting request determiner, a course comparator, and a course-change achievability determiner. The automatic drive controller causes an own vehicle automatically traveling along a traveling route determined by the traveling route setter. When the rerouting request determiner determines that a new traveling route is reconstructed in response to a rerouting request, the course comparator reads a candidate route of the new traveling route, compares the candidate route with the traveling route determined before the reconstruction, and determines whether a route change is set.

Abstract: A method for measuring financial health involves aggregating financial data from different data sources into a single financial data warehouse; extracting multiple customer financial characteristics from the financial data warehouse to build multiple financial profiles for a plurality of known customers; training a predictive machine learning model using the multiple financial profiles of multiple known customers to obtain a trained model; generating a grade mapping table using the trained model and a pre-defined business rule; applying the trained model to the financial data of a user to obtain a financial health score set; applying the grade mapping table to the financial data of the user to obtain a financial health grade set; and presenting the financial health grade set and the financial health score set to the user via a multimedia user interface.

Abstract: A system for providing notifications to client devices that includes one or more processors and one or more storage devices. The storage devices may store instructions that, when executed, configure the processors to perform operations. The operations include receiving a transaction notification from a third party; identifying a user account associated with the transaction notification; generating a push notification with a payload describing instructions to display a message and an interactive icon, and a resource identifier associated with the interactive icon, where the resource identifier includes a message ID encoding an interactive session and an action ID encoding a requested action. The operations also include transmitting the push notification to a client device associated with the user account; receiving a first indication indicating a user interaction with the interactive icon, the first indication having the resource identifier and updating the user account based on the action request.

Abstract: The system and method of the present invention expand/enhance modeling for credit risks scores. The expanded modeling system and methods discussed herein identify new credit risk related attributes using limited and/or unconventional credit data. In an aspect, the system and method enhance performance definitions to capture incremental insight, expanding the applicable consumer segments previously inaccessible.

Abstract: A method for controlling a suspension system of a vehicle, as well as suspension systems, and a vehicle including a suspension system is provided. The suspension system may include at least one adjustable damping device that is controlled via a control signal, such as from a controller of the suspension system, in order to dynamically adjust the damping characteristic of the damping device. The control signal may be generated on the basis of at least one of current driving dynamics data and optically recorded information about an area of a ground surface.

Abstract: An embodiment method for managing geographic information includes receiving, at a service portal, executed lease data for mineral rights leases on associated first land parcels, generating first map data according to the executed lease data, and sending the first map data through a network interface to a client application for display to a first user at a first remote terminal. The method further includes receiving, from the first remote terminal, data for a proposed division order boundary, determining one or more of the first land parcels having boundaries that at least partly overlap the proposed division order boundary, generating division order data related to portions of the one or more first land parcels, and sending the division order data to the first remote terminal for display to the user.

Abstract: Aspects of the disclosure relate to a message processing platform for enhanced phishing message detection. A computing platform may receive a first message from a first source entity, where the first message was flagged as potentially malicious through selection of a malicious message button in a mobile banking application, and where the first message includes content from the first source entity pretending to be a second source entity different than the first source entity. Using one or more machine learning algorithms, the computing platform may parse the first message to identify the second source entity. The computing platform may identify an enterprise security system associated with the second source entity, and may generate a second message that includes the first message as an attachment and indicates that the first message was flagged as potentially malicious. Subsequently, the computing platform may send, to the enterprise security system, the second message.

Abstract: A payment system, comprising: a receipt apparatus; a payment apparatus, the payment apparatus being connected to the receipt apparatus by means of electromagnetic induction, such that the receipt apparatus can receive information about the payment apparatus; and an identity recognition apparatus, the identity recognition apparatus being disposed in a payment environment and separated from the payment apparatus spatially, and the identity recognition apparatus being in signal connection with the receipt apparatus, wherein when a payer pays money, the identity recognition apparatus is used for recognising identity information about the payer, wherein the payment environment is a place where the receipt apparatus and the payment apparatus are located simultaneously. The payment system ensures the safety, convenience and efficiency of payment. Also provided are a payment device and a payment method.

Abstract: A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.

Abstract: Disclosed herein is a method where a consumer employs a device associated with the user to scans tags associated with items for purchase. The consumer can pay for the items using the device associated with the user. A point of sale (“POS”) terminal or other such device associated with the merchant scans tags associated with items associated with the user and reconciles the items scanned by the device associated with the user with the items scanned by the device associated with the merchant.

Abstract: A system and method classify insurance documents. The system and method receive a request to access documents from an assessment queue stored in a memory of a device where each of the documents contain insurance data and have an associated destination and associated metadata. The system and method convert the set of documents encoded in a first file format to a second file format to remove the metadata. The system and method partition each document of the set of documents into separate stand-alone documents and converts each of the partitioned documents into separate recognition vectors. The system and method classifies the partitioned documents through an additive learning algorithm in which routing data is embedded in second metadata and merge the classified partitioned documents. The merged documents are routed to a remote destination independent of the originally intended destination and the associated metadata.

Abstract: Various embodiments can include a system for the prevention of fraud. The system can comprise one or more processors and one or more non-transitory memory storage devices storing computing instructions. The computing instructions can be configured to run on the one or more processors and can perform: receiving an indication from a software application on a mobile device of a user that the mobile device has broken a first geofence; calculating a risk score for a first user account of the user; and prompting the user for additional information via the mobile device when the risk score is below a predetermined value. Other embodiments are disclosed herein.

Abstract: A method for submitting transactions from an automated trading tool to an electronic exchange. The method includes defining a proximity limit and automatically generating a transaction for a tradable object. The method further includes applying the proximity limit to the transaction. When the transaction falls within the defined proximity limit, the transaction is submitted to the exchange. An apparatus and interface for transaction toggling based on proximity limits are also provided.

Abstract: Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.

Abstract: A node device in a blockchain receives an asset issuance transaction from an asset issuer, where the asset issuance transaction comprises a commitment value and a proof for performing a zero-knowledge proof with respect to the commitment value, and where the commitment value is calculated by inputting at least an asset type of a target asset object issued by the asset issuer to a commitment function. The zero-knowledge proof with respect to the commitment value based on the proof is initiated. It is determined that the asset type of the target asset object is in a set of legal asset types allowed to be issued by the asset issuer. In response to determining that the asset type of the target asset object is in the set of legal asset types allowed to be issued by the asset issuer, the commitment value to the blockchain is issued for storage.

Abstract: Methods and systems for automatically discovering data types required by a computer-based rule engine for evaluating a transaction request are presented. Multiple potential paths for evaluating the transaction request according to the rule engine are determined. An abstract syntax tree may be generated based on the rule engine to determine the multiple potential paths. Based on an initial set of data extracted from the transaction request, one or more potential paths that are determined to be irrelevant to evaluating the transaction request are identified. Types of data required to evaluate the transaction request according to the remaining potential paths are determined. Only data that corresponds to the determined types of data is retrieved to evaluate the transaction request.

Abstract: A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. The data storage includes instructions stored thereon that, when executed by the one or more processors, cause the device to execute a transaction process including receiving purchase data representing one or more goods or services to be purchased, receiving user input to effect a payment transaction, determining a total transaction amount from the purchase data, reading payment credentials from a purchaser's payment device, sending a payment request, receiving data representing a received one time password (OTP), sending the received OTP to the third party authorization server for authentication against a OTP sent by the third party authorization server to a mobile device, and receiving data representing successful authentication from the third party authorization server.