Abstract: A method includes receiving client data of a client that includes at least one of clickstream data and analytic data of the client. For each of a number of trained machine learning (ML) models corresponding, respectively, to a number of campaigns, campaign-specific features are extracted from the client data, and a campaign interest prediction score is generated by inputting the campaign-specific features extracted for the ML model into the ML model. At least one campaign, from among the plurality of campaigns, is assigned to the client based on the generated campaign interest prediction scores. The clickstream data includes a plurality of pages visited by the client, and the analytic data of the client includes at least one of phone call data, chat message data, email data, or survey data of the client.

Abstract: A computationally-efficient system for encoding a message object implements instructions including determining a token of the message object. The token identifies a structure of the message object. The instructions include obtaining a dictionary definition based on the token. The dictionary definition describes the structure of the message. The message includes multiple entries. Each of the entries is characterized by a data type and a field identifier. The dictionary definition defines an order of the entries. The instructions include, according to an order specified by the dictionary definition, selecting each entry of a set of entries in the message in sequence and writing the entry to a byte queue exclusive of the data type and the field identifier. The instructions include initiating transmission of the byte queue over a communications network.

Abstract: A system includes processor hardware and memory hardware that stores instructions. The instructions include, in response to receiving a request, determining a request type of the request, retrieving a first set of collected information, and selecting a first set of instructions corresponding to the request type. The instructions include constructing a first result by executing each instruction of the first set of instructions to create the first entry as a nested entry within the first result including data of the first set of collected information identified in the first set of instructions as nested or retrieve first data of the first set of collected information identified by the first instruction and add the first data to the first entry of the first result. The instructions include transforming a display of the operator device to complete a set of fields displayed on the display with corresponding entries of the first result.

Abstract: A system and method converts a list that may be used for tracking, into an input that can be used by backup and recovery software to avoid backing up certain virtual machines in a multiple cluster backup configuration, network coupled, environment.

Abstract: A system and method receives a request for an event that is not fully specified, and predicts sufficient details of the event to instruct a hardware distributor to route the request to an agent that can handle the predicted request.

Abstract: A method for processing a plurality of orders of shares of exchange traded funds for retirement plans includes providing a pool of at least one share of each of the exchange traded funds to be traded by the retirement plans, receiving an order from a retirement plan that specifies a first amount other than a whole number of shares of an exchange traded fund, identifying a second amount that is a whole number of shares nearest to the first amount, adding, from the pool, a number of shares to the first amount such that a sum of the number of shares and the first amount equals the second amount, directing an exchange to execute a trade for the second amount, and allocating the first amount to the retirement plan and a difference between the first amount and the second amount to the pool.

Abstract: An authorization server, method, and non-transitory computer readable medium for generating and managing at least one access token associated with a client. The authorization server may include a memory configured to store computer readable instructions; and processing circuitry configured to execute the computer readable instructions to cause the authorization server to, compute an encryption key based on information associated with a user session, embed the encryption key into the at least one access token, map, within a database, the at least one access token to an access token handle associated with the client, return the access token handle to the client, and selectively provide the access token to at least one web Application Programming Interface (API) in response to receipt of the access token handle from the at least one web API.

Abstract: A system and method identify the review order of a set of documents and then send documents to parties for review according to the precedence identified. The parties review the documents and provide approvals or rejections. The documents approved may be used to open accounts.

Abstract: A method includes storing a test database of tests and corresponding test rules, storing a user information database, storing a profile database, and storing a threshold database including thresholds corresponding to test scores and similarity scores. The method includes, in response to receiving interaction parameters of an interaction performed by a user, identifying a set of tests based on the interaction parameters. The method includes, for each of the set of tests: calculating a score using user data of the user, corresponding test rules, and the interaction parameters; adjusting the score based on the user's profile; obtaining a threshold corresponding to the identified test; and, in response to the score exceeding the threshold, categorizing the interaction within a first category. The method also includes generating and transmitting an alert in response to the interaction being categorized within the first category.

Abstract: A method includes assigning unique symbols to pages of a website, respectively. The method includes obtaining page symbol sequences of browsing sessions, respectively. Each browsing session corresponds to a visitor of the website. For each browsing session, the page symbol sequence of the browsing session is a sequence of symbols that corresponds, respectively, to a sequence of pages of the website visited during the browsing session by the corresponding visitor. The method includes generating a master string including the page symbol sequences, generating a suffix array corresponding to the master string, and generating a longest common prefix (LCP) array corresponding to the suffix array. The method includes, based on the suffix array and LCP array, determining one or more most common n-step subsequences of pages (n is an integer greater than 1).

Abstract: A system facilitates real-time user interactions in a virtual environment of a user application accessible by multiple computing devices. System instructions include receiving a set of defined topics including a defined topic from a first computing device of the computing devices. The instructions include receiving, from at least one of the computing devices, data representing machine-readable text converted from a verbal conversation between two or more users in the virtual environment. The instructions include identifying a set of topics from the data representing machine-readable text. The instructions include comparing the identified set of topics from the data representing machine-readable text to the set of defined topics. The instructions include, in response to detecting a match between a topic of the identified set of topics and the defined topic of the set of defined topics, transmitting, to the first computing device, a notification of the matching defined topic.

Abstract: A system and method collects activity data from one or more data sources recording activities of users and other entities and identifies anomalous activity using a statistical analysis of behaviors that are defined using one or more activities, optionally performed in a sequence, optionally performed within a limited time period, and optionally meeting or being excluded from, a filter. The analysis may incorporate the use of a normal, and any number of special, periods, where the analysis uses data from prior periods of the same type.

Abstract: A computer system includes memory configured to store a document database and a machine learning model. The document database includes multiple historical documents each having at least one version labeled as compliant and at least one version labeled as non-compliant. The system includes a creator user interface, a compliance user interface, an automated distribution module, and a model building module configured to train the machine learning model to classify a document according to a compliance score indicating a likelihood of document compliance with one or more compliance criteria. The system also includes an orchestrator module configured to receive the compliance score for the submitted document from the machine learning model, determine whether the compliance score is greater than or equal to a compliance score threshold, and supply the submitted document to the compliance user interface for transmission to the compliance team device when the compliance score is above a threshold.

Abstract: A system and method uses different authentication techniques, including weak passive authentication techniques, to authenticate users by generating a score and comparing it to a threshold selected according to the feature the user is requesting.

Abstract: A system includes processor hardware and memory hardware that stores instructions. The instructions include, in response to receiving a request, determining a request type of the request, retrieving a first set of collected information, and selecting a first set of instructions corresponding to the request type. The instructions include constructing a first result by executing each instruction of the first set of instructions to create the first entry as a nested entry within the first result including data of the first set of collected information identified in the first set of instructions as nested or retrieve first data of the first set of collected information identified by the first instruction and add the first data to the first entry of the first result. The instructions include transforming a display of the operator device to complete a set of fields displayed on the display with corresponding entries of the first result.

Abstract: A system and method allows a light colored image of an object such as a check to be detected and captured on a light colored background for uploading to a server for processing. Detection involves detecting edges of objects on the image, drawing a rectangle around the detected edges, testing for an aspect ratio of the rectangle within an approved range, testing for the rectangle being outside of a margin of the image and being a certain percentage of the image, and testing for blur within a tolerable range.

Abstract: A system, apparatus, method, and non-transitory computer readable medium for providing an omni-channel content mapper framework may include a server caused to receive a content request from at least one user device, the content request including a unique content identifier associated with the requested content and desired content type information corresponding to the requested content, determine a desired content mapper (CM) plugin corresponding to the desired content type information from a plurality of CM plugins, obtain content data corresponding to the unique content identifier from a content database, generate an application-agnostic structured data document using the determined content mapper plugin, the application-agnostic structured data document including the obtained content data, and transmit the application-agnostic structured data document to the at least one user device in response to the content request.

Abstract: A system and method identifies the review order of a set of documents and then sends documents to parties for review according to the precedence identified. The parties review the documents and provide approvals or rejections. The documents approved may be used to open accounts.

Abstract: A method includes receiving client data of a client that includes at least one of clickstream data and analytic data of the client. For each of a number of trained machine learning (ML) models corresponding, respectively, to a number of campaigns, campaign-specific features are extracted from the client data, and a campaign interest prediction score is generated by inputting the campaign-specific features extracted for the ML model into the ML model. At least one campaign, from among the plurality of campaigns, is assigned to the client based on the generated campaign interest prediction scores. The clickstream data includes a plurality of pages visited by the client, and the analytic data of the client includes at least one of phone call data, chat message data, email data, or survey data of the client.

Abstract: A computationally-efficient system for encoding a message object implements instructions including determining a token of the message object. The token identifies a structure of the message object. The instructions include obtaining a dictionary definition based on the token. The dictionary definition describes the structure of the message. The message includes multiple entries. Each of the entries is characterized by a data type and a field identifier. The dictionary definition defines an order of the entries. The instructions include, according to an order specified by the dictionary definition, selecting each entry of a set of entries in the message in sequence and writing the entry to a byte queue exclusive of the data type and the field identifier. The instructions include initiating transmission of the byte queue over a communications network.