Abstract: Disclosed are systems and methods for facilitating identification of risk across risk silos in an organization. Machine learning utilizes risk identification data from two or more silos to identify risk associated with electronic change requests provided to the system. Regulatory/compliance results are submitted to a blockchain for immutable recordation of compliance status.

Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.

Abstract: Disclosed are systems and methods for supporting a vehicle lending services platform. Specifically, machine learning is applied to identify and accumulate data from electronic services. The machine learning is further used to identify risk associated with a potential lend of a vehicle. The identified risk is presented as part of a browser plugin graphical user interface (GUI) and/or inline with portions of a portal GUI of the vehicle lending services platform.

Abstract: A system and method for performing a transaction and managing transaction data. The system and method operate by scanning an item for purchase with a point of sale system and obtaining image data of the item with an image capture device of the point of sale system during the scanning. The system and method operate by proceeding to store the image data in a memory of the point of sale system and generating, with a processor of the point of sale system, an association of the image data with purchase data acquired at the point of sale during the purchase. Further, the system and method operate by providing the association, the image data, and the purchase data to a graphical user interface, which displays the image data and the purchase data such that the image data is visually linked with the purchase data based on the association.

Abstract: A system includes one or more point of sale systems and processing circuitry. The processing circuitry is configured to receive purchase data for a plurality of purchases made by a purchaser via the one or more point of sale systems over a time period, wherein the purchase data includes an identifier of the purchaser, a timestamp, and a type of good. The processing circuitry is configured to determine a frequency with which the purchaser purchased a type of good over the time period based on the purchase data, determine a target time at which the purchaser should next purchase the type of good based on the purchase data and the frequency, and instruct output of a notification in response to receipt of an indication that the purchaser is attempting to purchase the type of good using the one or more point of sale systems prior to the target time.

Abstract: The disclosure describes a biometric authentication system that can authorize a transaction at a retail store using a person's biometric data and password. The biometric authentication system may include a point-of-sale device that can receive a biometric data (e.g., voice data, fingerprint data, or facial data) of a person that initiates a transaction. The biometric authentication system may also include one or more authentication systems that analyzes the received biometric data, and an authorization system that compares data obtained from the one or more authentication systems and the POS device to determine whether the information obtained from the person is related to that person's biometric and password information previously stored by the authorization system.