Abstract: Systems and methods receive vehicle operating information from an onboard vehicle system, wherein the vehicle operating information includes data indicative of a first amount of time an operator is in active control of the vehicle to the system during a period, and wherein the vehicle operating information includes data indicative of a second amount of time that the vehicle operates autonomously during the period. The systems and methods thereafter calculate an insurance rate for a subsequent period based on both the first amount of time the vehicle operator is in active control of the vehicle and the second amount of time the vehicle is operated autonomously.

Abstract: A system for providing card account controls and purchase impact information may comprise at least one subsystem that receives information regarding a potential purchase of a customer, and at least one subsystem that provides potential purchase impact information to the customer based on the information regarding the potential purchase of the customer.

Abstract: Systems/methods for sending offers to a user viewing a web page. A third-party offer engine proxy server is interposed between the user computing device and a destination web server to which the user is browsing. The offer engine proxy receives a first message comprising browsing information from the user computing device and sends the first message to the destination web server. The offer engine proxy receives a resulting web page from the destination web server. The offer engine proxy determines at least one topic of the browsing information. The offer engine proxy determines an offer to be sent to the user based on the at least one browsing information topic. The offer engine proxy modifies the resulting web page to include an offer to be sent to the user. The offer engine proxy sends a second message including the modified webpage and the offer to the user computing device.

Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.

Abstract: A method includes receiving, with one or more processors, biometric information of a first user. The method also includes determining, with the one or more processors, whether there is an indication that the first user is distracted based on the biometric information. The method further includes receiving, with the one or more processors, vehicle speed information. The method also includes determining, with the one or more processors, whether there is an indication that the first user is driving based on the vehicle speed information. The method further includes in response to determining that the first user is distracted and that the first user is driving, instructing, with the one or more processors, a mobile device associated with the first user to contact a second user or a call center.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium for receiving an indication of damage to a building from a sensor network associated with the building, where the sensor network is responsive to damage to the building. Determining a location and an extent of the damage to the building based on the indication of damage. Automatically coordinating a repair for the damage in response to determining the location and the extent of the damage.

Abstract: A system configured to cause a vehicle to autonomously maneuver to a safe haven during a triggering event includes a communication component configured to receive parameters corresponding with conditions of the triggering event and, based on the parameters and on characteristics of the safe haven, instruct the vehicle to maneuver to the safe haven.

Abstract: Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Abstract: Systems and methods for transportation management described herein are capable of providing a recommendation to a user on a mode of transportation to travel from a start location to a destination location. The systems and methods may the determine a recommended mode of transportation based on user preferences obtained from a user profile and energy cost associated with each of available modes of transportation to travel from the start location to the destination location. The systems and methods then transmits a recommended mode of transportation along with a recommended route to travel from the start location to the destination location on a graphical user interface of a user device of the user.

Abstract: Methods and systems described in this disclosure are directed to rendering audiovisual (A/V) simulation of a disaster situation at a facility by artificially simulating the disaster situation. The disaster situation uses a 3D model of the environment associated with the facility. Embodiments of the disclosed system continuously collect data relating to reactions of one or more users to the simulation model. Upon analyzing the reactions of one or more users to the simulation model, the system provides A/V indicators such as an avatar, a virtual teacher, or a virtual user to provide information for responding to the disaster situation. In some embodiments, the simulation model can be customized based on one or more factors, such as an age of the one or users, a skillset of the one or more users, a geographical location of the facility.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an indication that a vehicle has been in a collision. Receiving vehicle information system (VIS) data from a VIS associated with the vehicle. Determining a component damage probability (CDP) for each of a plurality of components of the vehicle based on the VIS data. Determining estimated costs to replace components having respective CDPs above a threshold value. Providing an estimated total repair cost for the vehicle to a user computing device.

Abstract: Systems and methods to process overhead imagery received from overhead image sources are described herein. Examples include accessing an aerial image including a property, determining an owner of the property, determining whether the owner of the property is eligible to be a member of a financial institution, determining whether the owner of the property has property insurance with the financial institution for the property type of the property in the aerial image, and presenting an offer for insurance to insure the property in the aerial image when the owner is determined to be eligible for the financial institution and does not already have insurance with the financial institution. Examples include accessing an aerial image of properties, determining damage estimates, and reserving resources to repair the properties based on the damage estimates.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to direct vehicle traffic in response to a vehicular accident. For example, an unmanned vehicle may analyze information about the accident scene and based on the information direct traffic near the accident scene.

Abstract: Systems/methods for sending offers to a user viewing a web page. A third-party offer engine proxy server is interposed between the user computing device and a destination web server to which the user is browsing. The offer engine proxy receives a first message comprising browsing information from the user computing device and sends the first message to the destination web server. The offer engine proxy receives a resulting web page from the destination web server. The offer engine proxy determines at least one topic of the browsing information. The offer engine proxy determines an offer to be sent to the user based on the at least one browsing information topic. The offer engine proxy modifies the resulting web page to include an offer to be sent to the user. The offer engine proxy sends a second message including the modified webpage and the offer to the user computing device.

Abstract: Techniques are described for authenticating an individual based at least partly on a tremor signature of the individual. Motion data is collected through motion sensor(s), such as accelerometers, gyroscopic motion sensors, and so forth, of a portable computing device that is being held, worn, or is otherwise in contact with the user. Based on the collected motion data, a tremor signature may be determined and compared to a previously determined model for the user, and an authentication determination may be made based on the comparison. The tremor signature may be used in combination with other information to authenticate the user. For example, the tremor signature may be used in combination with location information and/or other biometric data such as a fingerprint scan, image of the user's face, audio recording of the user's voice, the user's heartbeat, a cardiac electrical signature, bio-electrical impedance, and so forth.

Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.

Abstract: Methods and systems for interface presentation are described. A user interface for the user may be selected among a plurality of available user interfaces in accordance with the personal characteristic information. A user access profile level for the user may be selected among a plurality of available user access profile levels in accordance with the personal characteristic information. Product information may be selected in accordance with the age data.

Abstract: In an example, an insurance premium for a driverless vehicle is calculated by monitoring an amount of time a first occupant is in active control of the driverless vehicle during a period and modifying an insurance rate for a subsequent period based on the amount of time the first occupant is in active control of the driverless vehicle. In another example, an insurance premium for an intelligent vehicle is calculated by receiving at a computerized insurance system, from the intelligent vehicle, an indication of the intelligent vehicle's condition and calculating the insurance premium for an insurance policy that covers the intelligent vehicle based at least in part on the indication of the intelligent vehicle's condition.

Abstract: A method includes receiving, with one or more processors, biometric information of a first user. The method also includes determining, with the one or more processors, whether there is an indication that the first user is distracted based on the biometric information. The method further includes receiving, with the one or more processors, vehicle speed information. The method also includes determining, with the one or more processors, whether there is an indication that the first user is driving based on the vehicle speed information. The method further includes in response to determining that the first user is distracted and that the first user is driving, instructing, with the one or more processors, a mobile device associated with the first user to contact a second user or a call center.