Abstract: A computer system and a transaction machine, such as an automated teller machine (ATM), can provide for any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine also provides the payor the ability to make a payment at the transaction machine using various modes of payment such as cash, credit card, or cryptocurrency. The transaction machine verifies that the payment matches the user selected amount, and sends a payment notification to the payor.

Abstract: Systems, methods, and computer-readable storage media of protecting customer information. One method includes detecting a user device associated with a user has navigated to a page of an online store, inserting code comprising a first interactive element associated with a purchase option into the page prior to presenting the page on the user device, and receiving a pending purchase order. The method further includes transmitting a notification to a merchant system associated with the online store to reserve a good or service for a period of time, capturing, via an input circuit of the user device, user input of the user, and assigning a point value to the user input. The method further includes generating a recommendation to cancel, proceed, or modify the pending purchase order based on an evaluation of the point value, and providing, to the user device, the recommendation during the pendency of the period of time.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data. The example method further includes generating a set of data attributes about the data. The example method further includes generating a data envelope based on the set of data attributes. Subsequently, the example method includes generating an enveloped data structure based on the data envelope and the data.

Abstract: A method for writing data to a cloud-based database for optimized cloud-based database query execution may include a table writer computer program executed by a local electronic device: (1) receiving table data comprising rows and columns, a schema for the table, and a primary-key for the table; (2) creating a footer for the table, the footer comprising the schema and the primary-key; (3) sorting the rows of the table data using the primary-key; (4) dividing the sorted columns of the table data into a plurality of datapages based on a datapage size; (5) identifying sparse indices for each datapage, wherein the sparse indices comprising a minimum value, a maximum value, a starting row index, an ending row index for each datapage; (6) writing each datapage to cloud storage; (7) inserting the sparse indices into the footer for the table data; and (8) writing the footer to cloud storage.

Abstract: A method for auto discovery of sensitive data may include: (1) receiving, at data enrichment computer program in a metadata processing pipeline, raw metadata from a plurality of different data sources; (2) enriching, by the data enrichment computer program, the raw metadata; (3) converting, by the data enrichment computer program, the raw metadata and the enhanced raw metadata into a sentence structure; (4) predicting, by a category prediction computer program in the metadata processing pipeline, a predicted category for the sentence structure; (5) identifying, by a sensitive data mapping computer program, a sensitive data category that is mapped to the predicted category based on a policy mapping rule; (6) determining, by the sensitive data mapping computer program, a risk classification rating for the predicted category; and (7) tagging, by the sensitive data mapping computer program, the data source associated with the metadata based on the risk classification rating.

Abstract: A method for characterizing a sample comprising genetic information, comprising: (i) receiving a plurality of sequencing signals from a sequencing operation for a sample, each of the plurality of sequencing signals representing a genetic sequence; (ii) setting, based on a received sequencing signal, a bit within a bit array to a first value for the received sequencing signal, wherein a set of one or more bits is associated with a unique received sequencing signal; (iii) calculating a rate of change of bits within the bit array as new sequencing signals are received; (iv) comparing the rate of change to a predetermined threshold; and (v) identifying the sequencing operation as insufficient if the rate of change is at or above the predetermined threshold, or identifying the sequencing operation as sufficient if the rate of change is at or below the predetermined threshold.

Abstract: A centralized accounting system for invoice generation is described as a web-based portal accessible by parties of a supply chain finance relationship via one or more computer networks. The centralized system provides a computer-based, network accessible platform in which a customer and a vendor may negotiate and agree upon terms of a purchase order for products. The centralized system then approves the purchase order based on vendor and customer profile information, and sends a notification of the approved purchase order to a bank. The centralized system automatically generates a vendor invoice for the approved purchase order and submit the vendor invoice to the bank for payment according the terms of the supply chain finance relationship. The centralized system ensures that the vendor invoice is accurate for the approved purchase order. The centralized system may also automatically generate and submit a bank invoice to the customer for the approved purchase order.

Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.

Abstract: A method performed by a processor of a financial institution computing system includes receiving a curbside transaction description from a device, transmitting a set-up request to a location computing system associated with a location, transmitting curbside transaction information to the device, receiving location information from the device indicative of the device being located at the location, initiating the curbside transaction, and servicing a user associated with the device via a receptacle chosen based on the location information and the curbside transaction description.

Abstract: Methods and systems for handling telephone calls relating to recurring customer questions and inquiries so as to decrease a likelihood of additional calls regarding the same issues and thereby improve customer experience while reducing an overall call volume are provided. The method includes: receiving an incoming telephone call from a person; capturing an audio signal that corresponds to a voice of the person; analyzing the audio signal by detecting phonetic intonations applying a digital filter to the intonations; and determining whether an inquiry articulated by the person during the telephone call has been adequately addressed. The method may further include using machine learning to generate an output that indicates an expression of certainty or uncertainty in the voice of the person.

Abstract: Methods, apparatuses, and computer program products are disclosed for effectuating payment for consumable content. An example method includes receiving a request for payment associated with a content source device and identifying a first user device associated with a first user accessing consumable content of the content source device. The method further includes transmitting an actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the content source device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes causing access of the consumable content to the first user device to halt.

Abstract: The present disclosure describes imaging systems configured to generate index information to indicate which image frames in a plurality of image frames include one or more target anatomical features, such as a head or femur of a fetus. The confidence levels of the presence of the target anatomical features are also determined. The system may be configured to determine if the target anatomical feature is present in an image frame by implementing at least one neural network. Merit levels based on the quality of the image frames may also be determined. Measurements of the one or more items of interest may be acquired. Visual representations (500) of the index information (502), confidence levels, merit levels, and/or measurements may be provided via a user interface. A user interface may receive user inputs based on the visual representations to navigate to specific image frames (508) of the plurality of image frames.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.

Abstract: A removable cassette housing for rebalancing bills among storage cassettes is disclosed. The removable cassette housing includes a first docking apparatus and a second docking apparatus structured to receive a first storage cassette and a second storage cassette, respectively, a transport apparatus operatively coupled to the docking apparatuses and a computing system. The transport apparatus is structured to facilitate transferring the bills among the storage cassettes. The computing system is structured to generate a first storage data packet and a second storage data packet associated with the first storage cassette and the second storage cassette, respectively. The computing system is also structured to generate a rebalancing instruction based on at least one of the first storage data packet and the second storage data packet. The cassette housing is structured to cause the transport apparatus to transport bills based on a rebalancing instruction.

Abstract: A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

Abstract: An electronic meeting tool and method for communicating arbitrary media content from users at a meeting includes a node configuration adapted to operate a display node of a communications network, the display node being coupled to a first display. The node configuration is adapted to receive user selected arbitrary media content and to control display of the user selected arbitrary media content on the first display. A peripheral device adapted to communicate the user selected arbitrary media content via the communications network is a connection unit including a connector adapted to couple to a port of a processing device having a second display, a memory and an operating system, and a transmitter. A program is adapted to obtain user selected arbitrary media content, the program leaving a zero footprint on termination. The user may trigger a transfer of the user selected arbitrary media content to the transmitter.

Abstract: Disclosed is an approach for training and applying predictive models that employ natural language processing in analyzing records with summary and resolution fields. A semi-supervised machine learning text model may be used to generate a category score for each record in a first dataset. The model may be generated using a training dataset comprising past records and categorization labels for each of the past records. The model may perform textual analytics on summary and resolution fields received as inputs and provide category scores as output. Dispositions may be assigned to each record in the first dataset based on a comparison of the category score to a category threshold. A second dataset may be generated with the records of the first dataset and assigned dispositions. A report comprising records and, for each record, disposition and category score may be generated.

Abstract: A method and system for training a machine learning (ML) model are provided. The method includes receiving a first set of parameters that relate to measuring a training status of the ML model; executing a first training operation in order to generate respective values of each of the first set of parameters; analyzing a result of the first training operation based on the respective values of each of the first plurality of parameters; and determining, based on the analysis, whether the first training operation has generated an improvement in the ML model. When the first training operation is determined as not having generated an improvement in the ML model, a second set of parameters is received, and a second training operation is executed in order to generate respective values of each of the second set of parameters.

Abstract: Provided are techniques for detecting a short circuit fault at an output of a regulator and protecting the regulator from the short circuit fault. An error amplifier receives a reference voltage and a feedback voltage and compares comparing the reference voltage with the feedback voltage for driving a power transistor of the regulator. A modification stage compares an output voltage of the voltage regulator with a fault reference voltage and in response to determining that the output voltage of the voltage regulator is less than the fault reference voltage, drives the power transistor using an internal node of the error amplifier by changing states of a first switch and a second switch and supplies the reference voltage to both the first and second inputs of the error amplifier by changing states of a third switch and a fourth switch.