Abstract: With the advent of augmented reality devices becoming increasingly prevalent, accessible, and cross-compatible, there is an opportunity to leverage the capabilities of such devices in order to streamline user interactions related to complex resource activities which require elevated security and typically are only conducted on an in-person basis. The present invention provides systems and methods for securely verifying a user during an augmented reality device session for the purposes of conducting complex resource activities.

Abstract: A system comprising a plurality of mobile devices, an insurance policy database, and a server is disclosed. The server may be configured to receive barometric data from one or more sensors in each of the plurality of mobile devices, identify that the barometric data indicates an occurrence of at least one catastrophic event, identify a geographic region affected by the at least one catastrophic event, access the insurance policy database to determine a number of insurance policies in the geographic region, estimate a number of catastrophe resources needed to handle the number of insurance policies in the geographic region, and assign at least one of the catastrophe resources to each of the insurance policies in the geographic region.

Abstract: Methods and systems described in this disclosure can identify, from a social media listening device, content items posted by a plurality of users, where each of the content items is associated with a social handle. Each of the content items can be mapped to a user identifier associated with a user or a potential user of a service using the social handle. A subset of the mapped content items can be created by selecting the mapped content items that correspond to an event based on content. The mapped content items are then categorized based on the corresponding events in the content items. Service or product opportunity leads can be determined from the mapped and categorized content items.

Abstract: Aspects of the present disclosure relate to using vehicle telematics to detect, evaluate, and respond to driving behaviors observed during a trip in a vehicle. The vehicle telematics information may characterize the observed driving behaviors, the segments traveled in the vehicle, and type of use of the vehicle. A rate to charge a driver may be based on the observed driving behaviors and a range of rates associated with the driver. The rate may fluctuate across a series of observation periods based on the driving behaviors observed during those observation periods. The rate may be presented to the driver in real-time while the driver operates a vehicle during a trip. The rate to charge the driver may further be based on use of the vehicle for personal use, ride shares, or vehicle shares.

Abstract: A method comprises providing, via a server, access to a claim wall for an insured party and an insuring party, wherein the claim wall comprises a website page associated with an insurance claim, wherein the website page includes an interface configured to receive input from at least one of the insured party or the insuring party, wherein the website page displays one or more tasks associated with the insurance claim, and wherein the claim wall is configured to be output to a user interface as one or more entries on the website page; receiving, via the server, information that a status of the one or more tasks has changed; and populating an entry of the claim wall with status information regarding the status change of the one or more tasks.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A system and method for analyzing and explaining the temporal evolution of policies. The analysis of the temporal evolution of policies includes determining semantically related changes in the text of the corresponding policies over time and across the different versions of the (two or more) policy documents. An explanation of the temporal evolution of policies is provided consisting of human interpretable information relating each change to one or more events and/or contextual data. A next steps policy change is also suggested that includes a set of policy conditions based on potential future changes of similar policies and contextual data and event data. The suggestions are related to the policy relevant to the target cohort or individual. The system adapts machine learned models by receiving user feedback provided on an analysis of the correctness of the temporal evolution of policies, corresponding explanations and suggestions of the next actions.

Abstract: A method, computer program product, mobile communication device, and a shipment tracking system provide automated incident recording, reporting, and response protocols, including operator directives. The method includes receiving an input identifying an occurrence of an incident associated with a shipment entity, the shipment entity being one or more of a vessel, an operator, and a cargo being transported via the vessel. The method includes, in response to the input, presenting on a user interface (UI) of an operator mobile communication device (MCD) one or more selectable incident reporting options to activate incident response, data recording, and reporting (IRDRR) protocols. The method further includes generating and presenting an incident response UI that instructs the operator of specific sequence of steps to take in response to the incident and to complete an incident information gathering process.

Abstract: A computer system for selection of data records for forwarding includes one or more data storage devices storing data records including structured and unstructured data, and an analysis hardware server configured to, in cycles, determine sets of data records for predictive model review, extract words and phrases from the unstructured data, apply the predictive model to determine current-cycle scores for the data records of the set, assign the data records to groups in accordance with the current-cycle score, determine a velocity of change in group, and select data records for forwarding to an operation system based at least in part on the determined velocity of change in group.

Abstract: Embodiments of the system in include a memory that stores a metamodel including a plurality of predefined characteristics for data sets. A data repository stores a plurality of heterogeneous data sets, each of the plurality of data sets comprising a plurality of data batches received over time. An interface receives a new data set for storage into the data repository, and data health reasoner to retrieve the stored metamodel from the memory, the stored metamodel including a plurality of predefined characteristics. The data health reasoner determines measured values of a subset of the plurality of predefined characteristics identified based on the stored metamodel, and determines a set of data health metrics for the data set based on the measured values of the subset of the set of the predefined characteristics. The data health reasoner formulates a plurality of data validation assertions for the data set and apply the plurality of data validation assertions to each instance of the data set.

Abstract: A computing system for generating a list of items predicted to be associated with a candidate user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to generate a predictive possession model, receive personal data associated with the candidate user, predict a first set of items owned by the candidate user, assign a value and a range of predesignated values for each item included in the first set of items, cause the first set of items and their corresponding values to be displayed on a user device of the candidate user, and prompt the candidate user to input confirmation data including one of a confirmation that the first set of items accurately describes a set of actual items possessed by the candidate user and a confirmation that the values corresponding to the first set of items are satisfactory.

Abstract: Systems and methods for generation and use of vendor management platform architectures are disclosed. A compliance component may be utilized to receive user input data indicating supply contracts between a client and a vendor. The user input data may be utilized to determine insurable obligations associated with the supply contract and provide indications as to whether or not the vendor is compliant with the insurable obligation required by the supply contract. An exposure assessment component may be utilized to determine an exposure score associated with a client account and/or a vendor account based on various compliance factors, spending amounts, and/or properties associated with at least one of goods and/or services that a vendor will supply to a client.

Abstract: A vehicle in a driving management system including one or more authentication servers and one or more vehicles capable of switching between a manual driving mode and an automatic driving mode is provided. The vehicle includes a communication unit that communicate with at least one authentication server of the one or more authentication servers, and a detecting unit that detects switching between the manual driving mode where manual driving is performed, and an automatic driving mode where automatic driving is performed, based on a message issued by at least one of the plurality of electronic control processors. The vehicle also includes a generating unit that generates transaction data including information indicating the detected switching, and an identifier indicating the vehicle, and transmits, to the at least one authentication server, the transaction data.

Abstract: Method and system for updating a character profile of a virtual character of a telematics-based game. In some examples, a computer-implemented method includes: generating a virtual trip including one or more virtual occurrences with the associated one or more outcomes; presenting a trip success prediction, a predicted change in vehicle condition, a first user-selectable command, and a second user-selectable command to the user; upon receiving the user's selection of the first user-selectable command, updating the character profile by at least initiating the virtual trip with the virtual character; upon receiving the user's selection of the second user-selectable command: updating the one or more outcomes according to a predetermined adjustment; and updating the character profile by at least initiating the virtual trip with the virtual character based on the updated one or more outcomes.

Abstract: To extract information from a customer's insurance card, an insurance policy recordation system obtains a scanned image of an insurance card and analyzes text in the insurance card image to identify labels describing insurance policy characteristics and insurance policy values corresponding to the insurance policy characteristics. The insurance policy recordation system compares the identified insurance policy values to a set of stored identifiers associated with various insurance plans. If the insurance policy values match one or more of the identifiers, the insurance policy recordation system may determine that the insurance policy values are valid and that the customer has the matching insurance plan. The insurance policy recordation system may obtain additional insurance policy information for the customer based on the stored information in association with the matching insurance plan.

Abstract: An object is to provide a technique capable of appropriately storing data. An information collection device includes a similarity degree determination unit configured to obtain a degree of similarity between acquired-data and saved-data and generate a link that associates the acquired-data and the saved-data based on the degree of similarity, a request estimation unit configured to generate a link that associates the saved-data when the saved-data is read, and estimate a future request for the saved-data, and a data life determination unit configured to determine a storage time limit of the saved-data on a link-by-link basis.

Abstract: A method for combining an embedding of a graph having a plurality of nodes and edge connections and classifications of distributed ledger-based activities may include: receiving information for historical distributed ledger-based activities comprising identifications of the plurality of nodes in the graph as involved in illicit activities, licit activities, or unknown; applying sampling to sample labels and associated features; training a first classifier based on the plurality of historical distributed ledger-based activities, the node information, and the sample labels; receiving a current distributed ledger-based activity from the distributed ledger network; predicting a classification for the current distributed ledger-based activity using the first classifier; extracting features from the current distributed ledger-based activity; enriching the extracted features based on one or more neighbors of the nodes involved in the current distributed ledger-based activity; reclassifying the current distributed le

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 user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based telematics data includes at least one processor in communication with a memory device. The processor is programmed to: (i) receive, from a vehicle computing device, telematics data associated with a plurality of trips taken by a first driver using a first vehicle, (ii) generate a driver profile of the first driver based at least in part upon the telematics data, (iii) access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of trips, (iv) synthesize the driver profile and the contextual data to generate a contextualized driver profile, (v) based upon the contextualized driver profile, generate a user offering to influence the driver profile, and (vi) transmit the user offering to a user computing device associated with the first driver.

Abstract: Systems and methods for activity risk management are disclosed. A system for activity risk management may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: accessing document data associated with at least one of a transaction or an individual; normalizing the document data; classifying the normalized document data; extracting model input data from the classified document data; applying a machine learning model to the extracted model input data to score the document data, the machine learning model having been trained to generate a favorability output indicating a favorability of the transaction or individual; and generating analysis data based on the scored document data.

Abstract: Automated vehicle repair estimation by preferential ensembling of multiple artificial intelligence functions is provided. A method comprises receiving, from each source of a plurality of the sources, a respective vehicle repair recommendation set for a damaged vehicle, wherein each vehicle repair recommendation set identifies a recommended vehicle repair operation of a plurality of the vehicle repair operations for the damaged vehicle; determining a respective source rank of each source from a plurality of the source ranks; generating a composite vehicle repair recommendation set that identifies the recommended vehicle repair operations in an order determined according to the source ranks of the respective sources; and providing the composite vehicle repair recommendation set to one or more vehicle repair insurance claims management systems.

Abstract: Systems and methods allow for incident data collection and management system based on unmanned aerial vehicles (UAVs), that is, drones to help accelerate the data collection and analytics, information dissemination, and decision support at incident sites. The system architecture may include onsite, server, and offline components including flight planning subsystem, flight execution and mission control subsystem, information dissemination subsystem to travelers and traveler information services, the interface with traffic management center, and the data analytic, visualization, and training subsystems. Other embodiments include the video-based 3D incident site reconstruction methods, site positioning and scaling methods with pre-collected static background infrastructure data, data management and user charging methods, and training methods with the generated 3D model.

Abstract: A number of techniques are disclosed for making it more convenient and efficient for customers to conduct various rental vehicle transactions. As an example, a technique for performing an automated pickup of a rental vehicle using a mobile device is disclosed. As another example, a technique for performing an automated return administration of a rental vehicle using a mobile device is disclosed. As another example, a technique for permitting customer to select a particular rental vehicle for a rental vehicle transaction using a mobile device is disclosed. Also disclosed is a technique for permitting a customer to keylessly start a rental vehicle using a machine-sensible item such as his/her mobile device without requiring the customer to possess a smart key.

Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.

Abstract: A system and method to compensate for transit-induced vibration when detecting heart rate using radar sensors is provided. Embodiments provide a radio frequency RF sensor for heart rate detection when a subject is in transit (e.g., in a vehicle and/or subject to human-induced motion), where the RF sensor is designed to cancel vibration noise while preserving a cardiac signal in a radar response so that a heart rate, respiratory rate, and related physiological parameters of a subject under test can be extracted. In some examples, a heart rate variability (HRV) and/or state of the subject under test can be derived from these physiological parameters as well. The RF sensor with vibration cancellation can be installed in multiple locations in a vehicle, including a car seat, a steering wheel, a roof of the vehicle, a visor, or a rearview mirror; alternatively, the components may be held or worn by a subject, or arranged proximate to a subject.

Abstract: An apparatus includes a display, a memory, and a processor. The memory stores events and available conversion options for a policy. The events include a conversion expiration event occurring on a conversion expiration date. Each conversion option is associated with a new policy type into which the policy is convertible prior to occurrence of the conversion expiration event. The processor presents a first page of a GUI, displaying a timeline of the events. The first page also displays a feature selectable to investigate the available conversion options. In response to receiving information associated with a selection of the feature, the processor presents a second page of the GUI, displaying the conversion options. The processor receives information associated with a selection of a first conversion option, and, in response, displays a graph illustrating the behavior of the policy upon conversion to the new policy type associated with the first conversion option.

Abstract: Systems and methods provide for an automated system for determining whether claims related to an insured item should proceed to an arbitrating body. A virtual assistant (also referred to herein as an “arbitration assessment assistant”) installed in a computing device (e.g., computer, laptop, tablet computer, mobile phone, etc.) may be responsible for managing and assisting an insurance representative (e.g., an insurance adjuster, subrogation representative, etc.) in determining liability and fault relating to a claim, conducting a subrogation process, and ultimately determining whether the claim should be submitted for arbitration. In one or more aspects discussed, herein the process may be fully automated.

Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.

Abstract: Systems, computer-implemented methods, and computer program products to facilitate contextual comparison of semantics in conditions of different policies are provided. According to an embodiment, a system can comprise a processor that executes computer executable components stored in memory. The computer executable components can comprise a comparison component that contextually compares semantics of conditions in policy data of different policies based on a feature of at least one entity. The computer executable components further comprise a contextualization component that employs a model to provide a contextual explanation of how a first condition in first policy data of a first policy is semantically different from a second condition in second policy data of a second policy based on the feature of the at least one entity.

Abstract: A system and method for analyzing a service provider of a retirement plan and comparing the service provider against the service providers associated with a group of similar plans is disclosed. In one embodiment, a computer system for evaluating a service provider of a retirement plan comprises a computer server having a database comprising a plurality of data defining a plurality of characteristics of each of a plurality of retirement plans, software configured to identify a subset of the plurality of retirement plans having characteristics comparable to characteristics of the selected retirement plan in view of the type and characteristics of the service provider, software configured to permit the selection of at least one report providing the comparison of the service provider, and software configured to automatically generate and deliver the selected at least one report to a user for display on a user interface.

Abstract: Disclosed herein are systems and/or methods for determining an insurance status for one or more drivers and/or vehicles. The system may identify a driver of a vehicle, such as by facial recognition or a retinal scan. Based on the identification, the system may determine the insurance status of the driver. If there is an issue with the insurance status, the system may prompt the driver to take some action. The system may also institute limitations upon the vehicle if there is an issue with the insurance status. In some instances, the system may determine the insurance status for multiple drivers in the area, and may warn a driver if he or she is in the vicinity of one or more underinsured drivers and/or vehicles.

Abstract: An apparatus for producing an autonomy score is disclosed. The apparatus includes at least a processor and a memory communicatively connected to the at least a processor. The memory instructs the processor to receive a pecuniary datum. The memory additionally instructs the processor to generate a pecuniary plan as a function of the pecuniary datum. The memory then instructs the processor to evaluate a pecuniary proficiency of a user as a function of the pecuniary plan. A pecuniary machine learning model is configured to be trained using a pecuniary training data. The pecuniary proficiency of a user is then evaluated as a function of the pecuniary plan. The memory then instructs the processor to produce an autonomy score as a function of the pecuniary proficiency. The memory finally instructs the processor to determine a pecuniary status of a user as a function of the pecuniary proficiency and the autonomy score.

Abstract: Systems and methods for intellectual property (IP) asset protection are disclosed. For example, by analyzing characteristic information associated with a user, along with feedback from one or more potential insurers, the system may determine various terms of an insurance policy for protecting the user against claims of IP infringement. The policy may provide for financial reimbursement for costs incurred while taking active measures to mitigate losses and/or defend against such claims. In addition, the system may analyze the characteristic information to identify various users having a low exposure of an infringement claim being asserted. The identified users may be actively targeted to acquire an IP protection policy.

Abstract: An X-ray tube billing system for a fluoroscopic apparatus for non-destructive inspection configured to perform X-ray fluoroscopy on a subject using an X-ray tube includes a fluoroscopy time detector configured to detect a length of time during which the X-ray fluoroscopy has been performed using the X-ray tube, and a billing amount calculator configured to calculate a billing amount related to use of the X-ray tube based on the length of time during which the X-ray fluoroscopy has been performed, which is detected by the fluoroscopy time detector.

Abstract: Techniques are described herein for facilitating V2X communications using a connected vehicle platform. The techniques include receiving, from an onboard diagnostics (OBD) accessory device, a vehicle report comprising vehicle data of a vehicle equipped with the OBD accessory device, the vehicle located at a target location. An additional vehicle located within a predetermined distance of the target location is identified. The additional vehicle is equipped with an onboard diagnostics unit (OBU). A traffic advisory message is generated based at least on the vehicle data in the vehicle report. Thereafter, the techniques include determining whether the additional vehicle is located within a communication range of the vehicle and in response to making a determination that the additional vehicle is located outside of the communication range of the vehicle, the traffic advisory message is broadcasted to the OBU of the additional vehicle.

Abstract: Aspects described herein may use a machine learning model to identify transactions likely to be remembered by a user and that may be used to generate challenge questions to authenticate the user. An individual may request an action related to a financial account. In response to the request, the machine learning model may determine a likelihood an authorized user of the financial account will remember one or more recent transactions. The likelihood of each candidate transaction may be compared to a predetermined threshold to determine a subset of recent transactions. Information relating to the subset of recent transactions may be used to generate one or more challenge questions to pose to the user. The user's responses to the challenge questions may be used to evaluate whether the user is the authorized user of the financial account or is a fraudster or imposter.

Abstract: Systems and methods for detecting predetermined events occurring during delivery of an ordered product to a delivery address is provided. Upon receipt of a customer order, delivery of the ordered product is assigned to a delivery driver/vehicle which includes a stand-alone communication device disposed in the delivery vehicle. As the delivery trip begins, various position and acceleration information is collected by the communication device, processed to determine whether a predetermined driving event has occurred, and stored. This information is transmitted periodically to a processing system for eventual communication to a home location store associated with the delivery order. Additional processing of the delivery trip data may occur to enable a review of the delivery trip and any detected events along the delivery path.

Abstract: A transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor and/or associated transceiver. The at least one processor and/or associated transceiver may be configured to: (1) receive, from a user mobile device, telematics data including an indicator that the user mobile device is communicatively linked to a transportation device; (2) identify each period that the user mobile device is communicatively linked to a transportation device as a trip using the transportation device; (3) store, the telematics data in a database in association with a trip identifier corresponding to the identified trips and a time stamp; (4) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; and/or (5) calculate, based upon the identified telematics data, a premium amount for insuring the user during the trips taken during the time period.

Abstract: The present disclosure relates to an apparatus and method for performing generation of driving information and driver-specific start control for a two-wheeled vehicle on the basis of biometric recognition. Specifically, the present disclosure relates to an apparatus and method for controlling start of a two-wheeled vehicle limitedly to a driver identified on the basis of biometric recognition and generating driving information of the identified driver in relation to sudden turns, sudden acceleration, sudden stops, impact occurrence, speed limit violation, and the like while driving.

Abstract: A system for monitoring core body movement comprises a sensor device for collecting a data set representing a plurality of core body movements over time from a monitoring device; a processor for determining a plurality of risk scores from the data set; and an output device for indicating the risk scores.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.

Abstract: A system includes one or more sensors configured to acquire data indicative of a condition of one or more components of a vehicle. The system also includes one or more processors configured to receive the data, determine a risk profile for the vehicle based on the data, and determine an insurance cost for the vehicle based on the risk profile.

Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.

Abstract: A computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

Abstract: Arrangements for generating geo-fences for automatically authenticating a user or authorizing event processing are provided. In some examples, user data associated with a location of the user or mobile device of the user may be received. Further, data associated with successful processing of an event may be received. In some arrangements, this data may be used to generate a first geo-fence. The geo-fenced area may be considered a trusted zone within which a user may be automatically authenticated and/or events may be automatically authorized and/or processed. In some examples, additional user data may be received and analyzed using machine learning to predict second or subsequent geo-fence locations. Based on the analyzed data, one or more additional geo-fences or geo-fenced areas may be generated and interlinked with the initial geo-fence.

Abstract: Aspects of the disclosure relate to using machine learning methods to produce commercial and shared economy insights. A computing platform may receive historical claim processing information. The computing platform may train a machine learning model using the historical claim processing information, which may configure the machine learning model to output new claim processing information based on claim information. The computer platform may receive a new claim, including claim information, and may process the new claim using the machine learning model, which may result in the new claim processing information. The computing platform may send, to a user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, which may cause the user computing device to display the new claim processing information.

Abstract: Techniques described herein relate to computer-implemented systems and methods for generating an insurance business plan. The method includes receiving an identification of an agent associated with the insurance business plan and a selection of a future time period for the insurance business plan. A business plan objective graphical user interface (GUI) is displayed, presenting for selection a plurality of insurance business plan objectives, wherein one of the objectives is to grow or maintain insurance policy counts for one or more insurance lines of business. The business plan objective GUI receives a selection of the objective to grow or maintain insurance policy counts for one or more lines of business. Based on a determination that the objective to grow or maintain insurance policy counts for one or more lines of business has been selected, a plurality of insurance lines of business is displayed.

Abstract: A method for electronically determining patient medical treatment eligibility, coverage, copayment amount and insurer billing simultaneously, by: (a) a patient requesting medical treatment at a retail clinic; (b) the patient presenting a health insurance card at the retail clinic; (c) the retail clinic transmitting patient health insurance card information to a centralized adjudication facility; (d) the retail clinic transmitting medical treatment information to the centralized adjudication facility; (e) the centralized adjudication facility determining patient medical treatment coverage, eligibility and copayment amount (f) transmitting the patient medical treatment coverage, eligibility and copayment amount from the centralized adjudication facility to the retail clinic; (g) the patient purchasing the medical treatment by paying the retail clinic the copayment amount, (h) transmitting a bill to the health care insurance provider; and (i) thereby informing the retail clinic clinician to sell the medical trea

Abstract: Provided herein is a modeling computing device including a processor in communication with a memory device. The processor is configured to: (i) retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data, (ii) generate a model that relates the historical liability amount data and the historical user data, (iii) store the model in the at least one memory device, (iv) collect current user data associated with a candidate user, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, and (v) analyze the collected current user data using the generated model.