Abstract: An order completion system and method are described. In some implementations, the system may execute the method which includes receiving an order from a user that includes a retail component; determining that a profile identification (ID) of the user is associated with prescription information of the user; forming a consolidated order by adding one or more eligible prescriptions associated with the user to the retail component of the order using the prescription information. The method may further include applying transaction rules to the consolidated order to determine whether the consolidated order is eligible for a single input authorized checkout; and responsive to determining whether the consolidated order is eligible for the single input authorized checkout, presenting to the user via a user interface, a prompt for the user to complete the consolidated order using the single input authorized checkout.

Abstract: Disclosed is a computing architecture and method for operating and managing a health care plan from a mobile device or web browser. The present invention provides an architecture that facilitates customer access to affordable, personalized health care, along with the efficient processing of claims.

Abstract: Systems and methods for automated digital-property analysis are disclosed. A document representing a digital property may be received and the document, or key elements and/or language characterizations representing the document, may be utilized to search one or more databases for similar documents. The search results may be ranked and displayed for review. If an indication that the search results do not correspond to the document is received, that indication may be utilized to promote registration of the document with a trade-secret registry, for provision of insurance policies, etc. Scheduled auditing may be established and utilized to confirm the digital property has not be disclosed and/or to determine a potential misappropriation event.

Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.

Abstract: In some embodiments, a method includes in response to an integration tag included in a webpage at a first user interface being executed at a mobile device, receiving a mobile device identifier and a request to retrieve a purchase identifier. The method includes sending a first signal causing a frame to be provided within the webpage at the first user interface. The method includes in response to a first user input, receiving a Hyper Text Transfer Protocol (HTTP) POST request and determining a uniform resource identifier (URI). The method includes retrieving purchase information and sending a HTTP response message including the URI of the second user interface and the purchase information to deeplink to the second user interface and to cause the second user interface to be rendered at the mobile device with the purchase information pre-populated in an input field of a text message.

Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.

Abstract: Intelligent vehicle repair estimating techniques include an image processing component that extracts image attributes from one or more images of a damaged vehicle, and utilizes the attributes to predict an initial set of parts that are globally-identified. Based on a jurisdiction associated with the damaged vehicle, the initial set of parts is transformed into a set of jurisdictionally-based repairs (e.g., parts, labor operations, time intervals, costs, etc.), which may be included in a draft vehicle repair estimate. An estimate refinement component iteratively modifies/refines the draft estimate using a machine-only loop nested within a larger human-machine loop, where system-generated modifications are incrementally incorporated into the draft within the smaller loop, and user-generated modifications are incrementally incorporated into the draft within the larger loop.

Abstract: A method is described of facilitating targeted content delivery in a network comprising at least one service provider network (SPN) and a user profile data database located externally to the SPN. A network device located externally to the SPN performs the method, which comprises accessing user profile data from the user profile database and receiving, from a demand side platform via the network, segment definition data comprising a list of user attributes and attribute values associated with a given targeted content delivery process. The method further comprises determining, for each identified user identified, to include the user in a list of candidate users to be targeted if user attribute values of the user match user attribute values from the received list. User identifiers for each entry in the list of candidate users are communicated to an entity in a first SPN responsible for facilitating the delivery of targeted content.

Abstract: A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event.

Abstract: A method and system of providing a service node within a blockchain network. The method includes storing, in a memory of a processing server, a blockchain comprised of a plurality of blocks, wherein each block is comprised of at least a block header and one or more data values, wherein the one or more data values included in a most recent block includes at least one data point associated with services or functions of at least a first service node; receiving, by a receiving device of the processing server, a request from a second service node for the list of services or functions of the at least a first service node within the blockchain network; and validating, by the processing server, the request from the second service node for the list of services or functions of the at least a first service node within the blockchain network.

Abstract: Techniques described herein extract form structures from a static form to facilitate making that static form reflowable. A method described herein includes accessing low-level form elements extracted from a static form. The method includes determining, using a first set of prediction models, second-level form elements based on the low-level form elements. Each second-level form element includes a respective one or more low-level form elements. The method further includes determining, using a second set of prediction models, high-level form elements based on the second-level form elements and the low-level form elements. Each high-level form element includes a respective one or more second-level form elements or low-level form elements. The method further includes generating a reflowable form based on the static form by, for each high-level form element, linking together the respective one or more second-level form elements or low-level form elements.

Abstract: The invention relates to a computer implemented campaign management system (CAMS), the system including a graphical user interface (GUI), the management system (CAMS) processing a plurality of participant records (PREC) according to a user-configured process structure (PS) of a plurality of configured logic templates (CLT); wherein the participant records (PREC) comprise participant attributes (PA), and wherein the processing of participant records involves processing or modification of one or more of the participant attributes (PA) of the participant record (PREC), wherein the management system reads, processes and/or modifies participant attributes (PA) of participant records (PREC) by a sequence of one of more executable program fragments (EPF) according to the process structure (PS) and wherein the execution of one of more executable program fragments (EPF) can be suspended in response to user action (UACT) and/or participant action (PACT) and wherein the execution of the process structure can be resumed

Abstract: The process of obtaining an insurance quote is currently based on information provided by filing online forms. Insurance companies use the consumer input data from online the forms to provide a quote for property insurance and for insurance underwriting. To complete the underwriting, the insurance companies have to make assumptions on various factors; for example, the structure and layout of a consumer's home, what type of content the consumer owns, its value, and its condition, among several others. It is desirable to get more accurate data on the consumer content, the structure and layout of the home, as well as other factors (e.g., hazards such as whether a house is on a canyon) in an automated fashion which would let insurance companies underwrite policies with a more accurate risk profile as well as save costs by not having to send an onsite inspector.

Abstract: A system for constructing an environmental, social and governance (ESG) optimized investment portfolio includes an ESG database, an alpha database, a user interface, and an ESG optimization engine. The ESG database includes ESG data for one or more investment products used to construct an investment portfolio. The alpha database includes alpha data for the one or more investment products used to construct the investment portfolio and the alpha data comprise rate of return data for the one or more investment products. The user interface is used for receiving a user's input for selecting an ESG optimization factor.

Abstract: In order to provide agile and dynamic portfolio management, systems and methods for underwriting and portfolio management include an ecosystem including a platform, including processing devices, communication interfaces, runtime environments, and databases, where the databases are configured to store ecosystem data, where the ecosystem data includes data associated with a plurality of systems. A service layer is in communication with the platform, the service layer including containers executed in the runtime environment and configured to implement microservices, where each of the containers include: at least one microservice and a datastore device configured to store domain-specific data. An orchestrator is in communication with the service layer, the orchestrator to schedule execution of the microservices according to bounded contexts coordinated with composite application programming interfaces (API) interfacing with a microservice specific API.

Abstract: An artificial intelligence-based multi-channel system and method to evaluate a buyer or consumer's intent to purchase benefits products. The system and method determine the buyer or consumer's needs, identifies and presents relevant benefits products based on eligibility to the buyer or consumer. The system and method can transfer the buyer or consumer to a producer to facilitate an enrollment process for the benefits products.

Abstract: Methods, systems, and computer program products for data filtering with fuzzy attribute association are provided herein. A computer-implemented method includes obtaining one or more rules, specified by an expert, that define a partial ranking of a plurality of fuzzy pairings between (i) a plurality of item attributes for items in a data catalog and (ii) a plurality of user attributes related to said items; generating an interactive session with the expert to resolve one or more ambiguities in the one or more rules; and deriving a scoring function based at least in part on (i) the one or more rules and (ii) the resolved one or more ambiguities, wherein the scoring function generates a comparative score between any two items of said data catalog for a given one of the users associated with the plurality of attributes.

Abstract: Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers.

Abstract: In some embodiments, a method includes in response to an integration tag included in a webpage at a first user interface being executed at a mobile device, receiving a mobile device identifier and a request to retrieve a purchase identifier. The method includes sending a first signal causing a frame to be provided within the webpage at the first user interface. The method includes in response to a first user input, receiving a Hyper Text Transfer Protocol (HTTP) POST request and determining a uniform resource identifier (URI). The method includes retrieving purchase information and sending a HTTP response message including the URI of the second user interface and the purchase information to deeplink to the second user interface and to cause the second user interface to be rendered at the mobile device with the purchase information pre-populated in an input field of a text message.

Abstract: A computer-implemented method includes: obtaining, by a computing device, an original Personal Account Number (PAN) to be transformed; transforming, by the computing device, the original PAN to form a transformed PAN; performing, by the computing device, a verification on the transformed PAN; determining, by the computing device, whether the transformed PAN passes verification; and storing or outputting, by the computing device, the transformed PAN based on determining that the transformed PAN does not pass verification, wherein the original PAN is later recovered from the transformed PAN to process a transaction.