Abstract: Systems and methods for validation of a media object may include receiving the media object and detecting, using a sensor, a damaged portion of the media object. The media object may be validated against a standard. During the validation of the media object, the damaged portion of the media object may be given less weight.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.

Abstract: A computer system and method for processing data to make rapid decisions regarding an insurance policy. Data is received from one or more informatic sensor devices and databases relating to an insured or insured property. A decision is identified that is to be rendered regarding an insurance policy in association with the insured. Predictive analytics is performed on the received data to determine the decision to be rendered regarding the insurance policy. Notification is provided of the determined decision regarding the insurance policy.

Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.

Abstract: A computer system and method for processing risk or loss related data to determine insurance products/warranties for objects located in an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more objects located in an insured property. Analysis is performed on the informatic data to determine a condition score for at least one of the one or more objects located in the insured property. Determination is made if one or more insurance products are to be recommended for the at least object located in the insured property based upon the determined condition score.

Abstract: A wearable biometric device according to various exemplary embodiments can be configured to define one or more geo-fences relative to one or more physical locations; detect a geo-fence crossing when the wearable biometric device crosses any of the geo-fences; activate a geo-fence application and a biometric application, in response to the detection of a geofence crossing; monitor financial transactions of the user while the wearable biometric device is located within the geo-fence; activate a biometric sensor to detect biometric conditions of the user and determine if the biometric conditions of the user exceeds a predetermined threshold; activate a stimuli generating unit to detect if the user experiences a biometric stressor while the wearable biometric device is located within the geo-fence and activate the stimuli generating unit to apply one or more stimuli to the user until the biometric stressor experienced by the user is below the predetermined threshold.

Abstract: Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale may, for example, represent price. Upon detecting a predetermined condition, the location of the market information is automatically repositioned.

Abstract: A computer device and method for processing maintenance related data for performing maintenance analytics on insured property. Informatic data is received from one or more sensor devices relating to a property covered by an insurance policy. Analysis is performed on the received informatic data to determine one or more conditions associated with the property. Predefined business rules are applied using the determined one or more conditions associated with the property to determine a maintenance profile for the property indicating one or more of maintenance history and repair or maintenance requirements for the property.

Abstract: Certain embodiments reduce the risks of traditionally programmed algorithms such as syntax errors, unclear logic, and the need for a non-trader programmer to develop the algorithm as specified by a trader by reducing or eliminating the writing of programming code by a user. Certain embodiments provide building block buttons and an algorithm area to define an algorithm. Certain embodiments provide live evaluation of an expression as the algorithm is being defined. Certain embodiments provide a design canvas area and blocks for designing an algorithm. Certain embodiments provide live feedback for blocks as the algorithm is being designed. Certain embodiments provide for initiating placement of an order to be managed by a selected user-defined trading algorithm from a value axis and for displaying working orders being managed by different user-defined trading algorithms on the value axis. Certain embodiments provide a ranking tool.

Abstract: This application relates to methods and systems for managing and distributing currency. One system includes modularized components and interacts with a user via the user's cell phone. The user may authenticate to the system via a password and biometrics, pre-stage interactions such as deposits or withdrawals, and then conduct a transaction. The system may also analyze the documents, such as currency and/or checks, that are deposited with the system, and determine whether they are valid.

Abstract: Aspects of the disclosure include a first risk-transfer system, a second risk-transfer system, and an expert-system based circuit. The first risk-transfer system is configured to provide a first risk-transfer based on first risk-transfer parameters from a plurality of motor vehicles to the first risk-transfer system, and receive and store first payment parameters associated with risk exposures of the plurality of motor vehicles. The second risk-transfer system is configured to provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, and receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems.

Abstract: The present disclosure generally relates to methods and systems to generate property insurance data based on aerial images. The property insurance data is representative of property insurance information. The aerial images may be obtained using a digital camera attached to an unmanned drone. The aerial images may be obtained when a camera is less than five-hundred feet from a property. The property insurance data may be generated based on a series of images taken at different points in time.

Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.

Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.

Abstract: A method of utilizing a processing device to manage a currency-management system. A characteristic of a user is identified by utilization of a first sensor which is associated with the user. A state of a first currency dispenser is identified through utilization of a second sensor which is associated with the currency dispenser. Based on at least one of the characteristic and the state, information is identified to send to the user. Information is caused to be output from a user device.

Abstract: The method comprises receiving a transaction request, including a token, from a first system for using the token for a transaction, the token associated with a user account at a second system. The method includes accessing preferences for the token, the preferences indicating association between the token and an initial resource for transactions, the preferences including transaction rules for altering transaction processing, the preferences created during generation of the token. The method includes determining, based on the preferences and the transaction request, whether to revise use of the initial resource to another resource during transaction processing. The method includes processing the first using the token and based on the user account and the preferences, the processing the transaction including using the another resource.

Abstract: A computer-implemented method of managing personal financial accounts includes retrieving account information associated with a financial account of a user. The account information includes a plurality of transactions and no more than three budget categories. The method also includes providing a user interface to display graphical representations of at least a portion of the plurality of transactions and at least a portion of the budget categories. In addition, the method includes receiving a first input from the user categorizing one of the transactions into one or more of the plurality of budget categories. Further, the method includes updating the user interface to reflect the categorization of the transaction.