Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Abstract: A system automatically manages data through a declarative client that retrieves data and caches data in response to a transmission of an auto-generated query from an end-user interface. The declarative client is served by a cloud services platform. A serverless engine receives images as a template in which a secure container is generated and receives multiple tasks that process the image within the secure container. An application programming interface extracts data in response to the auto-generated query. The declarative client includes a cache that breaks up results of the auto-generated queries into individual objects that are associated with a unique identifier across and a unique name to speed up the execution of the auto-generated queries. A scalable domain name system routes requests to access an instance of a cloud application and caches the name of the domain in response to the request.

Abstract: A system and method provide access to a remote resource locally by requesting content from an original address and receiving a first requested content and a first redirect uniform resource locator in response. The first redirect uniform resource locator reroutes the navigation from the original address requested to a redirect destination address that serves an access token. The system and method unlock access to a second application programming interface in response to validating the access token served by the redirect destination address and receives a second requested content and a second redirect uniform resource locator in response to transmitting the access token to the original address. The second redirect uniform resource locator transfers a user to an environment residing at an address different from the original address and the redirect destination address.

Abstract: A system automatically manages remote and local data through a declarative client that retrieves, tracks, and caches data in response to a transmission from an interface. The declarative client sits on an immutable image served by a secure private cloud platform. A serverless compute engine receives the immutable image and a plurality of tasks that process the immutable image in a container. An application programming interface in communication with the declarative client extracts data via queries from a database. The declarative client includes a normalized in-memory cache that breaks up results of the queries into individual objects that are each associated with a unique identifier and a unique name. The extracted data is deconstructed downloaded content in which original computer assigned links between data elements are intercepted and mapped to redirected computer-generated local links that locate the downloaded content in a local database.

Abstract: A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files related to a level of risk or safety and other software that may be related to those files.

Abstract: A system and method determine a classification by simulating a human user. The system and method translate an input segment such as speech into an output segment such as text and represents the frequency of words and phrases in the textual segment as an input vector. The system and method process the input vector and generate a plurality of intents and a plurality of sub-entities. The processing of multiple intents and sub-entities generates a second multiple of intents and sub-entities that represent a species classification. The system and method select an instance of an evolutionary model as a result of the recognition of one or more predefined semantically relevant words and phrases detected in the input vector.

Abstract: A system and method simulate conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: A system automatically manages remote and local data through a declarative client that retrieves, tracks, and caches data in response to a transmission from an interface. The declarative client accesses an immutable image served by a secure cloud platform. A serverless compute engine receives the immutable image and a plurality of tasks that process the immutable image in a container. An application programming interface in communication with the declarative client extracts data via queries from a database. The declarative client includes an in-memory cache that stores broken up results of the queries into individual objects that are each associated with a unique identifier. The extracted data is deconstructed downloaded content in which assigned links between data elements are mapped to redirected computer-generated links that locate the downloaded content.

Abstract: A system and method classify insurance documents. The system and method receive a request to access documents from an assessment queue stored in a memory of a device where each of the documents contain insurance data and have an associated destination and associated metadata. The system and method convert the set of documents encoded in a first file format to a second file format to remove the metadata. The system and method partition each document of the set of documents into separate stand-alone documents and converts each of the partitioned documents into separate recognition vectors. The system and method classifies the partitioned documents through an additive learning algorithm in which routing data is embedded in second metadata and merge the classified partitioned documents. The merged documents are routed to a remote destination independent of the originally intended destination and the associated metadata.

Abstract: A system and method classify insurance documents. The system and method access documents from an assessment queue stored in a memory where each of the documents have a predefined destination stored in metadata. The system and method remove the metadata associated with each document and covert the documents into single physical page documents by splitting each of the of documents into files, consisting essentially of a single physical page. The system and method convert each of the files into separate recognition vectors and classify the files through an additive learning algorithm in which routing data is embedded in second metadata associated with the files. The system and method merge the files, route the files to predefined destinations stored in the metadata, and process insurance documents automatically in response to the routing of the merged documents.

Abstract: A system and method simulate a chat-based conversation with a human user. The system and method receive a text message through the chat system that enables a receiver to transmit an automatically generated response in real time during a chat session. The system and method recognize characters in a text message and generates an automatic prediction or classification using a conversational assistant pod that resides in a container. The system and method generate an automatic response and modify computing resources by replacing the conversational assistant pod and the container with a second conversational assistant pod and a second container without interrupting the chat session.

Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.

Abstract: A system automatically manages remote and local data through a declarative client that retrieves, tracks, and caches data in response to a transmission from an interface. The declarative client sits on an immutable image served by a secure private cloud platform. A serverless compute engine receives the immutable image and a plurality of tasks that process the immutable image in a container. An application programming interface in communication with the declarative client extracts data via queries from a database. The declarative client includes a normalized in-memory cache that breaks up results of the queries into individual objects that are each associated with a unique identifier and a unique name. The extracted data is deconstructed downloaded content in which original computer assigned links between data elements are intercepted and mapped to redirected computer-generated local links that locate the downloaded content in a local database.

Abstract: A system and method predicts events in a computer system. The system and method includes a controller that receives a crash profile. The controller generates granular information that identifies data indicative of a potential server cluster failure in an enterprise system without needing to identify an originating cause of the potential server cluster failure. The system and method trains a model by sampling portions of a profile that may include directives and data indicative of a normal operating state and a conditioned preamble operating state. The system and method provides a trained model to a prediction engine. The system and method modifies an allocation of computing resources in response to the prediction of the potential server cluster failure by the prediction engine monitoring one or more servers of a server cluster.

Abstract: A multiproduct quoting system facilitates the purchase of multiple insurance products from two or more insurance underwriters as a bundled insurance package. A multiproduct server renders consolidated views of the multiple insurance products or combined rates of the multiple insurance products based on a plurality of insurance scores. A payment server coupled to the multiproduct server renders individualized payment plans for each of the multiple insurance products. An insurance policy module in communication with the multiproduct server renders an integrated insurance document that reflects a user's selected insurance policy parameters.

Abstract: A system and method determine a classification by simulating a human user. The system and method translate an input segment such as speech into an output segment such as text and represents the frequency of words and phrases in the textual segment as an input vector. The system and method process the input vector and generate a plurality of intents and a plurality of sub-entities. The processing of multiple intents and sub-entities generates a second multiple of intents and sub-entities that represent a species classification. The system and method select an instance of an evolutionary model as a result of the recognition of one or more predefined semantically relevant words and phrases detected in the input vector.

Abstract: A system and method classify insurance documents. The system and method receive a request to access documents from an assessment queue stored in a memory of a device where each of the documents contain insurance data and have an associated destination and associated metadata. The system and method convert the set of documents encoded in a first file format to a second file format to remove the metadata. The system and method partition each document of the set of documents into separate stand-alone documents and converts each of the partitioned documents into separate recognition vectors. The system and method classifies the partitioned documents through an additive learning algorithm in which routing data is embedded in second metadata and merge the classified partitioned documents. The merged documents are routed to a remote destination independent of the originally intended destination and the associated metadata.

Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.