Abstract: Embodiments are directed to a trusted platform powered by a client-side company application that implements a Business Organizing Principle (“BOP”) for a company and distributed immutable ledger, which provides the company with secure transactions and transaction data. The application's Business Organizing Principle identifies the business components for a company (e.g., HR, marketing, suppliers, etc.) which the application identifies as core, medium-core, and non-core. The application can then suggest and link the business to other businesses on the network based on matching BOP components. The platform's scoring engine uses the ledger's trusted transactions to generate a BOP network score and “local score” to augment traditional thereby creating a quickly developed trusted ecosystem for horizontal B2B integration between not just businesses, but business components.

Abstract: A Total Loss Predictor Score assesses the risk of Total Loss of new credit applications by leveraging the most powerful insights from business databases. The Total Loss Predictor Score built on segmentation and algorithms that use the commercial information from business databases, powered by analytics, delivers a unique solution for credit risk management to help business creditors with origination decisions.

Abstract: There is provided a method that includes (a) receiving data from a data source, (b) attributing the data source in accordance with rules, thus yielding an attribute, (c) analyzing the data to identify a confounding characteristic in the data, (d) calculating a qualitative measure of the attribute, thus yielding a weighted attribute, (e) calculating a qualitative measure of the confounding characteristic, thus yielding a weighted confounding characteristic, (f) analyzing the weighted attribute and the weighted confounding characteristic, to produce a disposition, (g) filtering the data in accordance with the disposition, thus yielding extracted data, and (h) transmitting the extracted data to a downstream process. There is also provided a system that executes the method, and a storage device that contains instructions for controlling a processor to perform the method.

Abstract: A system and method for identifying previously unknown counterparties by registering distributed ledger public keys and/or addresses associated with specific business entities and/or individuals. The system and method are configured to provide tools for administering public facing distributed ledger identifiers using cryptographic proof messaging and transactions made on the Distributed Ledger. It also provides queries and lookups to discover public keys associated with entities and allows users to link identifiers on competing Distributed Ledgers to a disambiguated entity, thereby enabling cross Ledger transactions to occur.

Abstract: A system integration tool integrates an external service to run in conjunction with or as part of a remote business accounting system. The system integration tool includes a front-end component and a back-end component. The front-end component remotely accesses accounts receivable data from the accounting system. The back-end component merge each financial transaction within the accounts receivable data with a credit score of an entity associated with the financial transaction at a date associated with the financial transaction. The back-end component generates an external service that secures the accounting system against insecure financial transactions and embeds the external service to run as part of the accounting system. The external services alert the business as to insecure financial transactions that lead to bad debt or disqualify such transactions from entry into the accounting systems.

Abstract: Some embodiments provide computer or machine generated interfaces for maximizing an entity's credit score by rebalancing values for different credit variables constituting the credit score across different lines of credit obtained by the entity. The rebalancing is performed over primary credit variables including payment history, debt, length of credit history, new credit, and type of credit in use as well as secondary credit variables that form the primary credit variables. Some embodiments provide interfaces with adjustment tools including sliders for modifying different credit variable values and for presenting the actual real-world impact to the entity credit score resulting from the adjusted credit variable. Some embodiments further execute the rebalancing identified in the interfaces to realize the improvements to the entity's credit score.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: There is provided a method that includes (a) receiving a unique identifier of a first entity, (b) constructing a family tree of entities that includes the first entity, (c) calculating a decision-making power score for each entity in the family tree in accordance with a rule, thus yielding decision-making power scores, (d) identifying a decision-making entity in the family tree, based on the decision-making power scores, thus yielding an identification of the decision-making entity, and (e) controlling a messaging system to direct a correspondence to a recipient, based on the identification of the decision-making entity. There is also provided a system that performs the method, and a storage device for storing instructions for a processor to perform the method.

Abstract: A system for assessing and optimizing master data maturity for an enterprise master data architecture. The master data maturity analysis system generates a master data maturity matrix for individual master data users. Each unique master data user's master data maturity matrix is used to generate master data matrices for other hierarchical entities for an enterprise such as lines of business and/or the enterprise as a whole. Master data maturity matrices are stored over time and tracked to assess and optimize the master data maturity and improvement of the master data technology vertically and horizontally across all enterprise hierarchies and business components.

Abstract: A multidimensional recursive and self-perfecting process used to discover dyadic or multi-counterparty relationships between parties, the process comprising: (a) collecting information from a plurality of data sources; (b) discovering dyadic or multi-counterparty relationships between the parties from the collected information; (c) clustering the parties to infer the dyadic or multi-counterparty relationships between the parties based on common or partially intersecting attributes between the parties, thereby forming clustered parties; (d) evaluating the clustered parties for business linkage potential by integrating the collected information and contextually assessing indicia from the data sources to detect and measure consistency and inconsistency for a given party or dyadic or multi-counterparty relationship; (e) positing and evaluating relationship type and role said party plays in each relationship; and (f) assessing the confidence level regarding the likelihood that the dyadic or multi-counterparty rela

Abstract: Some embodiments provide a system that generates different customized decks of cards with each deck being customized for a different user with a condensed and filtered set of business data that is relevant to that user. The customizations are based in part on monitored user behavior and user interactions with the cards. Cards identifying businesses that the user has viewed for the most amount of time, recommended to others, approved, or positively reviewed or rated are assigned high values. Cards identifying businesses that the user has viewed for the least amount of time, rejected, or negatively reviewed or rated are assigned low values. The system then continually updates the deck to remove cards identifying business with the lowest values while adding cards identifying businesses that resemble other businesses with assigned high values.

Abstract: There is provided a method that includes (a) receiving a request for access to data, (b) identifying a data store that stores the data, and (c) communicating with the data store, by way of an electronic communication, to access the data. There is also provided a system that performs the method, and a storage medium that includes a program module for controlling a processor to perform the method.

Abstract: There is provided a method that includes parsing a string of characters into its graphemes, and generating a pattern of characters that represents an abstraction of the graphemes. There is also provided a system that performs the method, and a storage device that contains instructions for controlling a processor to perform the method.

Abstract: There is provided a method that includes (a) receiving an inquiry to initiate a search for data for a specific individual, (b) determining, based on the inquiry, a strategy and flexible predictiveness equations to search a reference database, (c) searching the reference database, in accordance with the strategy, for a match to the inquiry; and (d) outputting the match. The method may also output flexible feedback related to the match that reflects inferred quality of the match experience which can be used by an end-user to determine the degree to which the matched entity meets that end-user's quality-based criteria. There is also provided a system that performs the method, and a storage medium that contains instructions that control a processor to perform the method.

Abstract: Some embodiments provide a communication tool that directly sends messages to accounts of different entities across different social media sites by automatically identifying and associating the accounts of the entities when the entities are referenced in the contents of the messages. Such identification and association is performed without the message originator manually specifying the accounts as intended recipients for the messages. The communication tool also automatically sends messages to different social media accounts of the message originator.

Abstract: A system and a method used for data discovery in accordance with an inquiry in which multiple sources, which may be web sites or other data sources, are examined for data relevant to the inquiry. The process and method is performed recursively an indeterminate number of iterations, using data and metadata from multiple sources to corroborate discovered data and metadata from other sources, until no further relevant data or sources are found, or adjudication or exception rules have been met. Discovered data and metadata are curated, adjudicated to assess reliability, synthesized, and clustered into composite records using precedence rules and provenance to determine the most reliable data sources as well as terms of use for each source. Data, metadata, and information about each search are retained and can be used for subsequent purposes, such as subsequent searches or other downstream activities.

Abstract: There is provided a method that includes (a) receiving an input postal address, (b) comparing the input postal address to a standard, (c) providing a single best postal address corresponding to the input postal address based on the comparing, (d) matching the single best postal address to a business in a business information database, (e) obtaining a business address for the business from the business information database, and (f) correcting the single best postal address, based on the business address, to yield a corrected postal address. There is also provided a system that performs the method, and a machine-readable medium having instructions stored thereon that cause the machine to perform the method.

Abstract: There is provided a method that includes (a) receiving data that describes a location, (b) extrapolating, from the data, an address associated with the location, (c) identifying a segment of a thoroughfare that includes the address, (d) defining a polygon that has a perimeter that encompasses a geographic region that is in a vicinity of the segment, (e) obtaining geo-coordinates of a point within the polygon, (f) identifying an address at the geo-coordinates, and (g) identifying an entity that is associated with the address at the geo-coordinates. There is also provided a system that performs the method, and a storage device that contains instructions that control a processor to perform the method.

Abstract: A method and system for determining an entity's future commercial viability which comprises: (a) using a first predictive modeling, determining a future commercial viability of the entity, the first predictive modeling is derived by identifying patterns in data and relating to predictive attributes, thereby generating a viability score; (b) using predictive modeling to generate a relative ranking of the entity against its peer group, thereby generating a comparative viability score (i.e.

Abstract: There is provided a method that includes employing a computer to perform operations of (a) receiving, from a data source, by way of an electronic communication, a descriptor of a business, (b) matching said descriptor to data in a database, thus yielding a match, wherein said data includes a unique identifier of said business, (c) saving to a log, a signal that includes said unique identifier, (d) counting a quantity of signals that include said unique identifier in said log, thus yielding a number of said signals for said unique identifier, and (e) calculating a credit score for said business, based on said number of signals. There is also provided a system that performs the method, and a storage device that controls a processor to perform the method.