Abstract: A method of secure automated communication comprises communicating by a computer with a cloud computing service having an address in a first Internet domain, the communicating performed during a first electronic commerce session using an electronic commerce web page rendered by a browser executing on the computer; communicating by the computer with a transaction server having an address in the first Internet domain via a virtual private network (VPN), the communicating performed during the first electronic commerce session using the electronic commerce web page rendered by the browser; determining when the browser is accessing a product information portion of the electronic commerce web page during the first electronic commerce session; determining when the browser is providing confidential information to the electronic commerce web page during the first electronic commerce session; and directing the confidential information to the transaction server via the virtual private network during the first electronic

Abstract: A method of secure automated communication comprises communicating by a computer with a cloud computing service having an address in a first Internet domain, the communicating performed during a first electronic commerce session using an electronic commerce web page rendered by a browser executing on the computer; communicating by the computer with a transaction server having an address in the first Internet domain via a virtual private network (VPN), the communicating performed during the first electronic commerce session using the electronic commerce web page rendered by the browser; determining when the browser is accessing a product information portion of the electronic commerce web page during the first electronic commerce session; determining when the browser is providing confidential information to the electronic commerce web page during the first electronic commerce session; and directing the confidential information to the transaction server via the virtual private network during the first electronic

Abstract: Devices and methods associated therewith for facilitating movement, removal and/or installation of components from treatment units (e.g., water treatment units and wastewater treatment units). The treatment unit can take the form of a granular media filter (e.g., upflow filter, downflow filter or bi-flow filter) or a sludge collection basin. One preferred device is one or more floats facilitating safe removal of components of a treatment unit. The float(s) can be operably associated with an air scour system of a water filter to remove the air scour system from a granular media filter bed. The float(s) can be operably associated with a collection grid of a sludge collection container facilitating safe removal of the collection grid from the sludge collection container. Another preferred device is a flexible piping/conduit operably connected to a pressurized air source and an air scour system to assist in removal/installation of the air scour system.

Abstract: Devices and methods associated with these devices for significantly reducing or eliminating liquid (e.g., water) in a water or wastewater treatment unit above the underdrain from moving downwardly into the underdrain during an air only wash cycle of the treatment unit. The treatment unit can take many forms including but not limited to an upflow filter and a downflow filter. The treatment unit may include a filter bed having one or more layers of filter media supported by gravel above the underdrain. The treatment unit may also include an underdrain having a porous plate, slotted plate or slotted upper structure that obviates the need for gravel. Positive pressure is provided to the underdrain to overcome the downward force of the driving head in the treatment unit to significantly reduce or prevent liquid present in the treatment unit above the underdrain from moving downwardly into the underdrain.

Abstract: Systems for use in one or more sludge or waste collection devices (e.g., containers, vessels or basins). One such system is a sludge removal system for removing sludge from one or more sludge collection devices. The sludge removal system includes one or more sludge removal grids disposed in one or more sludge collection devices. Each sludge removal grid preferably includes at least one header and a plurality of sludge collection laterals. Another such system includes a fluid distribution system for distributing one or more fluids in one or more sludge or waste collection devices. A movement restricting or prevention member is provided in both the fluid distribution and sludge removal systems to prevent or restrict movement of the sludge collection laterals and the fluid distribution laterals away from or towards a floor of a corresponding collection device without anchoring or fixing the laterals to the floor.

Abstract: An apparatus and method for providing an immutable audit trail for machine learning applications is described herein. The audit trail is preserved by recording the machine learning models and data in a data structure in immutable storage such as a WORM device, a cloud storage facility, or in a blockchain. The immutable audit trail is important for providing bank auditors with the reasons for lending or account opening reasons, for example. A graphical user interface is described to allow the archive of machine learning models to be viewed.

Abstract: A virtual fraud detection system and method is described for the real time processing of banking transactions seen on a banking rail. The transaction is processed through natural language processing to determine who the parties are, and natural language processing is performed on the web site and the social media pages of employees to ascertain if the originator and the beneficiary of the transaction make sense. In addition, the age of the DNS records of the parties is checked to see if the parties are established organizations.

Abstract: Disclosed is a system for scoring customers of a financial institution based on financial data. The system includes a central database that stores a plurality of modules, a central server that processes the plurality of modules and a display unit that displays the processed plurality of modules. The plurality of modules includes a criteria configuration module, a data module, and a computation module. The criteria configuration module includes a metric module to receive the input parameters required to evaluate the score, and a measurement module for defining transformation criteria to be applied on the data corresponding to the input parameters. The computation module includes a metric evaluation module to compute and applies the transformation criteria to the values of the input parameters, and a scoring module coupled to the metric evaluation module to automatically compute and display the score of the customers based on the values retrieved from the metric evaluation module.

Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.

Abstract: Devices and methods associated therewith for facilitating movement, removal and/or installation of components from treatment units (e.g., water treatment units and wastewater treatment units). The treatment unit can take the form of a granular media filter (e.g., upflow filter, downflow filter or bi-flow filter) or a sludge collection basin. One preferred device is one or more floats facilitating safe removal of components of a treatment unit. The float(s) can be operably associated with an air scour system of a water filter to remove the air scour system from a granular media filter bed. The float(s) can be operably associated with a collection grid of a sludge collection container facilitating safe removal of the collection grid from the sludge collection container. Another preferred device is a flexible piping/conduit operably connected to a pressurized air source and an air scour system to assist in removal/installation of the air scour system.

Abstract: Systems for use in one or more sludge or waste collection devices (e.g., containers, vessels or basins). One such system is a sludge removal system for removing sludge from one or more sludge collection devices. The sludge removal system includes one or more sludge removal grids disposed in one or more sludge collection devices. Each sludge removal grid preferably includes at least one header and a plurality of sludge collection laterals. Another such system includes a fluid distribution system for distributing one or more fluids in one or more sludge or waste collection devices. A movement restricting or prevention member is provided in both the fluid distribution and sludge removal systems to prevent or restrict movement of the sludge collection laterals and the fluid distribution laterals away from or towards a floor of a corresponding collection device without anchoring or fixing the laterals to the floor.

Abstract: A system and method for using inferred attributes derived from banking data is described. The system and method include a flexible configuration system that permits numerous insights to be created, said insights used to monitor and predict the behavior of banking customers. The insights allow thresholds to be monitored over a period of time, and the combination of thresholds and trends of implied attributes to create complex insights. This allows bankers to detect anomalies in customer behavior.

Abstract: An apparatus for use in a filter system for filtering water or wastewater. The apparatus preferably includes at least one underdrain lateral having at least an inner chamber, a first outer chamber and a second outer chamber. The first outer chamber and the second outer chamber are preferably in fluid communication with the inner chamber. The inner chamber, the first outer chamber and the second outer chamber are preferably formed by an inner liner and an outer liner. The outer liner is a separate piece from the inner liner and surrounds the inner liner. The inner chamber is preferably configured to simultaneously receive a liquid and a gas during a washing procedure including simultaneous use of a liquid and gas to clean a filter bed to create a liquid and gas interface in the inner chamber.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a string similarity score determined using a Levenshtein distance algorithm, the n-gram or trigram methods, the Jaro-Winkler algorithm, the Cosine similarity algorithm, the Hamming distance algorithm, the Damerau-Levenshtein distance algorithm, or similar. For each comparison, the string similarity score is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A method for using machine learning techniques to analyze past decisions (made be administrators concerning account opening requests) and to recommend whether an account opening request should be allowed or denied.

Abstract: A method for securing data by embedding the data in a data structure and utilizing a sensor device to detect transfer of the data structure. The data is embedded such that the data is only accessible by first executing an executable program. If the executable program determines that the device attempting to access the data (the accessing device) does not have permission to access the data, then the executable program destroys all or a portion of the data. If the data structure is transferred to another device, a sensor device positioned to detect the data structure when transferred will identify the data. If the sensor device determines that the data structure is not permitted to be transferred, then the sensor device destroys all or a portion of the data.

Abstract: A method for securing data by embedding the data in a data structure and utilizing a sensor to detect transfer of the data structure. The data is embedded such that the data is only accessible by first executing an executable program. If the executable program determines that the device attempting to access the data (the accessing device) does not have permission to access the data, then the executable program destroys the data. If the data structure is transferred to another device, a sensor positioned to detect the data structure when transferred will identify the data. If the sensor determines that the data structure is not permitted to be transferred, then the sensor destroys the data.

Abstract: A method and device for providing notification of improper access to secure data on a mobile device. The mobile device detects a request to record content displayed on a display of the mobile device. A determination is then made regarding whether the content that was displayed on the screen when the request to record was received is protected content. If the displayed content was protected, then a third party is notified that a security breach has been detected. A remedial action is also performed regarding the security breach.