Abstract: A system and method for improving the download time of emails in an environment in which a server distributes emails to persons working in close proximity to each other. When these persons receive multi-recipient emails intended for several or all of these persons, the server distributing the emails delivers the multi-recipient emails to the first one of the persons who logged on to read his or her emails on his or her personal computer, for distribution to the other persons over a personal area network. This reduces the download time for the persons downloading their emails at a subsequent time.

Abstract: The disclosed wearable device systems include several features for alerting and guiding persons who are approaching or near to potentially hazardous or high-risk conditions in their nearby environment. Sensor data from wearable devices (also referred to herein as “wearables”) are used to determine the presence of various unsafe environmental conditions and phenomenon, including dangerous terrain or other unusual conditions. The wearable would be used to warn a person, for example via auditory or haptic-based feedback, if the person is about to encounter an unsafe condition. In particular, the proposed systems can be of great benefit to the visually impaired, those persons with physical disabilities, or persons otherwise vulnerable to particular environmental conditions.

Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Abstract: A system and method for routing a call from a customer to a customer service representative at a call center is described. The method being performed by an augmented intelligence system. The method includes receiving an incoming call from a customer at the call center. The method also includes determining a match between a classification of the customer and a classification of a selected customer service representative based on a profile of the customer and a profile of the selected customer service representative. The method further includes routing the incoming call from the customer to the selected customer service representative.

Abstract: A system that detects and reduces impaired driving includes a first sensor that detects information indicative of a sleep pattern of a user, and a second sensor that detect vehicle operation information. The system also include a mobile electronic device communicatively coupled to the first sensor and the second sensor. The mobile electronic device includes a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processor to determine that the user is impaired based on the information indicative of the sleep pattern of the user, and determine that a vehicle is in operation based on the vehicle operation information. The instructions also cause the processor to perform an action to reduce impaired driving in response to determining that the user is impaired and that the vehicle is in operation.

Abstract: A system and method for monitoring driving conditions and reacting to the driving conditions is disclosed. The system includes a risk monitoring system that can detect adverse road conditions. The method includes performing rerouting when hazardous road conditions are detected. The vehicle may be routed along a different route that lacks the hazardous road condition. The method also includes providing feedback to the driver when adverse driver behavior, such as a drowsy driver, is detected.

Abstract: A system and a method for diagnosing a problem with a motor vehicle using sound. Ambient noise information for the motor vehicle is determined. Current sound information is received, and whether there is a variation in sound between the current sound information and the ambient noise information is determined. The ambient noise information is subtracted from the current sound information if the variation has been identified, to identify a sound anomaly. A sound anomaly signal is extracted and compared with predetermined anomaly signal information stored in a database. The predetermined anomaly signal information is associated with diagnostic information.

Abstract: The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.

Abstract: A method and system of performing an authentication of a person in order to activate a smart card for access to a secured resource is disclosed. The system and method are configured to collect image data and compare the image data to facial model data stored on the smart card. The system detects whether there is a match between the image data and any facial signatures previously collected and stored in the smart card. If there is a match, the system verifies an identity of the person and can be configured to automatically activate the smart card for a limited period of time.

Abstract: Methods and systems for a graduated process of increasing bandwidth and increasing complexity to identify and confirm a location of a target vehicle based on information received from motor vehicles are described. In one embodiment, a method for detection of a target vehicle includes requesting, from one or more remote devices in a geographic area, information associated with a target vehicle. The method also includes receiving, from the one or more remote devices, information associated with the target vehicle. The method further includes determining whether the received information associated with the target vehicle matches the requested information. Upon determining that the received information matches the requested information, the method includes increasing at least one of a bandwidth or a complexity level of the requested information associated with the target vehicle and decreasing the geographic area associated with the request.

Abstract: A property damage assessment system may include a drone including imaging equipment and a controller, which may include a device processor and a non-transitory computer readable medium including instructions to perform the following steps: receiving imagery data, from a first vantage point, of property from the imaging equipment of the drone; making a determination, by analyzing the received imagery data, that there is damage to the property; and based on the determination that there is damage to the property, automatically controlling the drone to obtain additional imagery data of the property, wherein automatically controlling the drone to obtain additional imagery data includes repositioning the drone to obtain a different view of a portion of the property by moving the drone to a second vantage point located a different distance from the property or a second vantage point located at a different angle with respect to the property.

Abstract: A system and method for detecting an anomaly based on user interaction with a mobile computing device is disclosed. The method includes activating, on the mobile computing device, an application, which is configured to store the machine learning model and the behavioral profile generated by the machine learning model in the memory of the mobile computing device; receive, track, and store in the memory of the mobile computing device an input pattern including navigation information and identification information inputted from the user during the user interaction with the mobile computing device; detect anomaly based on the user interaction with the mobile computing device by comparing the stored behavioral profile with the stored input pattern; and prohibit user to have further access to the financial application including user accounts in response to detection of the anomaly.

Abstract: A method and system of intelligently alerting and/or routing vehicles to improve driving safety is disclosed. The method includes sharing data collected by vehicles in different locations to determine whether the presence of dynamically moving objects such as animals and pedestrians will affect traffic conditions for other vehicles on the nearby roadways. If the system determines there is a likelihood of such objects being obstacles to other vehicles, an alert can be automatically presented to the drivers of the impacted vehicles. The method further includes generating routes for the driver that avoid, or limit, the driver's exposure to the obstacle.

Abstract: Secure cash deposit containers, such as secure cash bags or secure cash boxes equipped with an integrated bill scanner and a transmitter. The integrated bill scanner may receive and count the bills, and then store them in the secure cash deposit container. A transmitter in communication with the scanner may then transmit a report to the bank servicing the commercial establishment's cash deposit account. The bank may then automatically credit the amount reported by the scanner to the commercial establishment cash deposit account. The amount credited may be subject to further verification, for example, by a bank teller or by a bank's automated cash counting and sorting machines.

Abstract: A method for guiding game play of a game in an augmented reality game space. The game runs on a smart device in conjunction with a game space. The method includes determining that a user has completed a game objective and earned the right to a game piece having a concealed value. Information including an indication that the user has completed the game objective is sent from a smart device to a game server. The game server receives information from the smart device and sends information including a location of the game piece having a concealed value to the smart device and to a confirmation device. The smart device displays a location of the game piece having a concealed value in the augmented reality game space. Also, a system for game play including the smart device, the game server, and the confirmation device.

Abstract: One or more servers are provided for processing incoming service messages for customers which are account holders of accounts that are managed at least in part by a service provider. An incoming service message may be received from a user device via a network. The incoming service message may include free-form input data (e.g. free-form text data or free-form audio data). The free-form input data may be processed to determine one or more intent classifiers and/or one or more emotion classifiers using artificial intelligence, e.g. a natural language understanding function. A service department identifier may be selected based on at least the one or more intent classifiers or the one or more emotion classifiers. A message may be sent to a selected service representative identifier associated with the selected service department identifier, where the message includes an identifier for identifying information associated with the incoming service message.

Abstract: A system and method for automatically engaging an autonomous driving mode in a vehicle is disclosed. The method includes monitoring a driver and switching to the autonomous driving mode if an unsafe driving condition is detected. The method can include monitoring biometric data. The method can also include monitoring behavioral data using one or more kinds of vehicle sensors. The system and method ensure a vehicle is safely driven even if a driver experiences a health episode that could leave them unable to safely operate the vehicle.

Abstract: A system and method of using an intelligent voice assistant to assist a user is described. The intelligent voice assistant includes a voice module to control speech functionality and one or more other modules that provide a variety of other assistance, including a document explanation module, a push content module, a call connection module, or an enhanced assistant module. The modules may be configured as applications that are downloaded to the intelligent voice assistant and used to provide various assistance to the user to explain documents, pay bills, call a customer service representative, navigate to a target view on an application of a user device, or retrieve diagnostic data for sensors in communication with the intelligent voice assistant.

Abstract: A system and method for detecting deviations in building structures over time is disclosed. The system and method use range images of buildings captured using range imaging cameras (for example, time-of-flight cameras) to construct 3D models with sufficient resolution to detect deviations in structures that may not be obvious from looking at only photographic images. The system can also use augmented reality to project parts of a 3D model over photographic images of a structure to facilitate easy inspection of the structure.

Abstract: Techniques are described for managing devices, such as Internet of Things (IoT) devices, using smart contract(s) on a distributed ledger (e.g., blockchain). Smart contract(s) executing on a distributed ledger may control access to one or more devices in a home or other environment. The smart contract(s) may employ information stored on the distributed ledger and information in a transaction sent to the smart contract(s) to determine whether particular user(s) and/or process(es) may access the device(s), issue commands to the device(s), access data generated by the device(s), and/or control the device(s). The smart contract(s) may provide a secure portal through which user(s) and/or service(s) may access device(s) for command and control of such device(s), and secure access may be based on permission information that is specified or provided by an owner or operator of the device(s) and that is stored on the distributed ledger.