Abstract: A method including receiving, in a machine learning model (MLM), a corpus including words. The MLM includes layers configured to extract keywords from the corpus, plus a retrospective layer. A first keyword and a second keyword from the corpus are identified in the layers. The first and second keywords are assigned first and second probabilities. Each probability is a likelihood that a keyword is to be included in a key phrase. A determination is made, in the retrospective layer, of a first probability modifier that modifies the first probability based on a first dependence relationship between the second keyword being placed after the first keyword. The first probability is modified using the first probability modifier. The first modified probability is used to determine whether the first keyword and the second keyword together form the key phrase. The key phrase is stored in a non-transitory computer readable storage medium.

Abstract: Systems and methods that may be used to allow married couples to prepare separate individual tax returns while also being able to evaluate the merits of filing a joint return in a manner that does not breach each spouse's financial privacy.

Abstract: Systems and methods for automatically assessing a quality of service for agents of a customer support system are disclosed. An example method may include retrieving historical conversations between the agents and users of the customer support system, receiving user comments for one or more of the historical conversations, identifying which of the received user comments includes keywords indicative of one or more quality of service attributes, generating transcripts of historical conversations associated with the identified user comments, training a machine learning model based at least in part on the generated transcripts and the user comments of the historical conversations associated with the identified user comments, providing a plurality of current conversations between agents and users of the customer support system to the trained machine learning model, and generating a behavioral score for each of the agents using the trained machine learning model.

Abstract: Systems and methods that may implement an Oracle-aided protocol for producing and using FHE encrypted data. The systems and methods may initially encrypt and store input data in one encrypted form that is not performed using FHE, which does not substantially increase the size of the data and storage resources required to store the encrypted data. In accordance with the Oracle-aided protocol, the encrypted data is re-encrypted as FHE encrypted data when FHE encrypted data is required.

Abstract: A computer-implemented method and system are provided to utilize machine learning technology to process user financial transaction data to predict a personalized payment screen architecture. A plurality of feature datasets associated with transaction data of a plurality of electronic invoices are obtained by a computing device. Each feature dataset comprises a plurality of features, a payment screen and a payment method configured to be presented on at least one payment screen. The computing device is configured to train a machine learning model with the feature datasets to produce a probability matrix with probabilities of each payment method used to pay the invoices through each payment screen. The computing device may weigh the probability matrix to generate a recommendation matrix and determine a prediction of a payment screen based on the recommendation matrix.

Abstract: One embodiment is directed to controlling a computing system based on an interpreted user intention. Another embodiment is directed to generating a smoothed position of a feature based upon detected and reprojected positions of the feature. Another embodiment is directed to performing one or more image treatments on a facial region of a user until the perceived SQS satisfies the predetermined target SQS. Another embodiment is directed to video conferencing monitoring the quality of video feed coming from the participants of the video conferencing and creating an image or video from the feed when that participant's feed is good and replacing the live video with the newly created good quality image or video when the feed is bad. Another embodiment is directed to a process of baked triplanar projection using triangles generated from a tessellation, where the baked triplanar projection can generate a 2D mesh including UV coordinates.

Abstract: Systems and methods that may be configured to implement a nearest neighbor-based bank account validation process that may be used with electronic payments, transactions and or services.

Abstract: Automatic keyphrase labeling and machine learning training may include a processor extracting a plurality of keywords from at least one search query that resulted in a selection of a document appearing in a search result. For each of the plurality of keywords, the processor may determine a probability that the keyword describes the document. The processor may generate one or more keyphrases by performing processing including selecting each of the plurality of keywords having a probability greater than a predetermined threshold value for insertion into at least one of the one or more keyphrases and assembling the one or more keyphrases from the selected plurality of keywords. The processor may label the document with the keyphrase.

Abstract: Systems and methods that may implement an Oracle-aided protocol for producing and using FHE encrypted data. The systems and methods may initially encrypt and store input data in one encrypted form that is not performed using FHE, which does not substantially increase the size of the data and storage resources required to store the encrypted data. In accordance with the Oracle-aided protocol, the encrypted data is re-encrypted as FHE encrypted data when FHE encrypted data is required.

Abstract: Certain aspects of the present disclosure provide techniques for performing inferences in a distributed computing environment. An example method generally includes receiving a request to perform an inference with respect to a set of input data. One or more client devices are selected for use in performing the inference with respect to the set of input data. A request to perform the inference is transmitted to the selected one or more client devices. The request generally includes an anonymized, vectorized version of the set of input data such that the selected one or more client devices are to perform the inference based on anonymized data. An inference response is received from each of the selected one or more client devices.

Abstract: Systems and methods that may be used to automatically generate inventory templates for use with an accounting platform. The automatically generated templates may be for a first user within a particular industry and may be based on established inventory trees of other system users within the same industry that have similar demographics of the first user.

Abstract: Systems and methods that may be used to generate and use a social graph generated by user financial transaction data (i.e., a financial transaction-based social graph). Connections and other data within the financial transaction-based social graph can be used for targeted product offerings, other offerings, and or advertisements via e.g., collaborative filtering and user segmentation and profiling.

Abstract: Systems and methods that approximate and use branching operations on data encrypted by fully homomorphic encryption (FHE). The systems and methods may use polynomial approximation to convert “if” statements into “soft if” statements that may be applied to the FHE encrypted data in a manner that preserves the security of the systems and methods.

Abstract: Automatic keyphrase labeling and machine learning training may include a processor extracting a plurality of keywords from at least one search query that resulted in a selection of a document appearing in a search result. For each of the plurality of keywords, the processor may determine a probability that the keyword describes the document. The processor may generate one or more keyphrases by performing processing including selecting each of the plurality of keywords having a probability greater than a predetermined threshold value for insertion into at least one of the one or more keyphrases and assembling the one or more keyphrases from the selected plurality of keywords. The processor may label the document with the keyphrase.

Abstract: A method collects word-based data corresponding to a first identifier. A first phrase vector is generated for the first identifier by extracting frequency data from the word-based data. A similarity metric is generated corresponding to the first identifier and a second identifier by comparing the first phrase vector of the first identifier to a second phrase vector of the second identifier. A tuple is generated that includes the first identifier and the second identifier using the similarity metric. A machine learning model is trained with the tuple to generate an embedded vector corresponding to the first identifier.

Abstract: Certain embodiments of the present disclosure provide techniques for detecting anomalous activity in a computing system. The method generally includes receiving a request to perform an action in a computing system. The request is added to a historical time-series data set. A portion of the historical time-series data set is selected for use in determining whether the received request is an anomalous request, and a set of previously identified outliers are removed from the selected portion of the historical time-series data set. An anomaly score is calculated based on a statistical analysis of the received request and the selected portion of the historical time-series data set, wherein the anomaly score comprises a predicted number of operations executed to isolate the received request from the selected portion of the historical time-series data set. One or more actions are taken to process the received request based on the calculated anomaly score.

Abstract: This disclosure relates to systems and methods for constructing a customized debt reduction plan for a user. In some implementations, a customized debt reduction system obtains a plurality of financial attributes of the user and a plurality of other users, where the plurality of financial attributes are indicative of credit card debt, and identifies users from the plurality of other users who successfully repaid their credit card debt based on their respective financial attributes and one or more repayment techniques that resulted in successful repayment of their credit card debt. The customized debt reduction system correlates the plurality of financial attributes of the user with the plurality of financial attributes of a number of the identified users and determines a personalized score for the user, using a trained machine learning model, based on the correlation to determine a customized debt reduction plan for the user based on the personalized score.

Abstract: Systems and models are disclosed for determining a value over replacement feature (VORF) for one or more features of a machine learning model. An example method includes selecting one or more features used in the machine learning model, determining a comparison set of unused features not used in the machine learning model, for each unused feature in the comparison set, determining a difference in a specified metric when the selected one or more features are replaced by a corresponding unused feature from the comparison set, and determining the VORF to be the smallest difference in the specified metric.

Abstract: A method for classifying organizations involves obtaining, for an unknown organization, transactional data representing a multitude of transactions. The transactional data comprises a descriptive text for each of the multitude of transactions. The method further involves processing the descriptive text for each of the multitude of transactions to obtain one vector representing the unknown organization, categorizing the unknown organization using a classifier applied to the vector, and identifying a software service for the unknown organization, according to the categorization.

Abstract: Systems and methods that may be used to provide personalized financial nudges to users of a financial service that may be used to further the users' savings intentions (e.g., a savings goal, an emergency fund, etc.). The disclosed systems and methods may increase user interactivity with the financial service and the services it offers by providing personalized nudges that are based on, among other things, an evaluation of various behavioral economics principles. A machine learning recommendation system may be used to fit and output different nudges to users in a personalized way to maximize their savings' intentions.