Abstract: Embodiments provide calculated scores allowing users to quickly and easily evaluate credit and ACH risk associated with a financial institution's ACH originators. The index score is computed using a 0 to 100 scale with 100 reflecting a low risk ACH relationship and 0 indicating significant potential risk. The index score integrates the standard entry class code, standard entry class code return risk percentage, industry risk factors, origination set volume, origination set frequency, origination set aggregate peak exposure risk, third party financial information, public record information, economic risk metrics, and customized risk profile.

Abstract: A system for managing risk in employee travel may control access by users to the travel risk management system. The travel risk management system may receive and store company information for a client company subscribing to the travel risk management system, and allow activation code packages to be defined for allowing a specified number of activation codes to be generated for the subscribing client company. Once the activation code packages are defined, the specified number of activation codes may be generated and assigned to employee's of the subscribing client company. The system may provide for defining super admin users authorized to input client company information and define activation code packages, and client admin users authorized to select activation code packages, and generate and assign the activation codes to users.

Abstract: Disclosed is a system for, and method of, searching for and identifying one or more entity representations using comprehensive search criteria built from known entity representations. The comprehensive search criteria are permitted to include inconsistent field values, that is, multiple different field values corresponding to the same field. The system and method may perform using search queries or batch files.

Abstract: A system and method are provided for identifying exposure concentrations. The process of determining exposure concentrations may include organizing exposure data, defining parameters, determining elevated exposure concentrations, and providing output results. The exposure data may relate to at least geographical locations, policies, accounts, portfolios, treaties, and other exposure data. The parameters may be defined to include at least an area of analysis, a region of interest, a threshold amount, results parameters, and other parameters. The exposure concentration may include at least defining and locating exposure locations using various techniques. The results may be presented using textual, graphical, or other display schemes. The output may be configured to convey information such as positional accuracy of an identified area, exposure accumulation in a defined area, and other information.

Abstract: Certain implementations of the disclosed technology include systems and methods for internal co-convergence using clustering when there is hierarchy in the data structure. A method is included for clustering hierarchical database records into a first set of clusters having corresponding first cluster identifications (IDs), each hierarchical database record including one or more field values, the clustering based at least in part on determining similarity among corresponding field values of the hierarchical database records. The method includes receiving parent-child hierarchical relationship information for the hierarchical database records, re-clustering at least a portion of the hierarchical database records into a second set of clusters having corresponding second cluster IDs, the re-clustering based at least in part on the received parent-child hierarchical relationship information, and outputting hierarchical database record information, based at least in part on the re-clustering.

Abstract: Certain implementations may include systems and methods for populating entity fields based on hierarchy partial resolution. According to an example implementation, a method is provided that may include identifying one or more first matching records in a hierarchical database, where matching records include one or more fields having an associated first matching field value that at least partially matches a received portion of a first query term. The method may include outputting, for display, one or more first matching field values of the one or more first matching records and receiving a second indication input signifying a selection of one of the one or more first matching field values.

Abstract: Certain implementations of the disclosed technology include systems and methods for linking entities in an internal database by utilizing co-convergence and clustering. The method may include clustering database records into a first set of clusters having corresponding first cluster identifications (IDs). The clustering may be based at least in part on determining similarity among corresponding field values. The method may include associating mutually matching database records, by performing at least one matching iteration for each of the database records. The method may include determining similarity among corresponding field values of the database records, re-clustering at least a portion of the database records into a second set of clusters, the re-clustering based at least in part on the associating mutually matching database records and on the determining similarity among corresponding field values of the database records.

Abstract: Disclosed is a system for, and method of, identifying an entity representation. In some embodiments, a match template is used to partition a search criteria so that an expected number of matching records does not exceed a desired threshold. In such embodiments, the match template may limit the number of records that are expected to identically match in certain fields designated as fixed fields, and limit the number of records that are expected to either identically match or have blank field values in certain fields designated as optional fields. Such embodiments thus provide probabilistic limits on a number of database fetches required for a particular search and on a number of record transfers required for a particular search.

Abstract: Disclosed is a system for, and method of, recycling field value weights as computed for database linking purposes. Such field value weights may be used for a search operation. In some embodiments, such weights may be used for a search operation prior to their values stabilizing during an iterative linking operation.

Abstract: A student loan repayment system for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a student loan holder interface, creating a student profile, forming an account for accumulating money linked to another account, enabling the student loan holder to input goals, and enabling the student loan holder to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the student loan holder, an amount of money repaid by not purchasing a product or service, an amount of money repaid by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.

Abstract: Certain embodiments of the disclosed technology may include systems and methods for detecting tax refund fraud. According to an exemplary embodiment of the disclosed technology, a method is provided for detecting tax refund fraud. The method includes receiving entity-supplied information. In an exemplary embodiment, the entity-supplied information includes at least a name, social security number, and mailing address. The method further includes querying one or more databases with the entity-supplied information and receiving a plurality of independent information in response to the querying. The method can include determining, based at least in part on a comparison of the entity-supplied information with the plurality of independent information, zero or more indicators of fraud. The method can include outputting the zero or more indicators of fraud.

Abstract: A coverage management system is described herein that enables an insurance agent and an insured party to engage in a streamlined insurance procurement process. The coverage management system facilitates generation of interactive insurance-related documents, provides mechanisms to interact with the documents, and optimizes agent-insured interaction via the insurance-related documents.

Abstract: A variable resolution grid provides a mechanism for focusing specific concentrations of risk exposure on a geographical grid to determine projected loss caused by a particular catastrophe. The geographic grid provides a stable base map by using latitudes and longitudes to define the grid points and cells. Each cell is assigned a geographic identifier or geocode that identifies the location of the cell and its associated resolution. The resolution of the grid may be varied depending in part, on the resolution of any available of hazard data.

Abstract: A cloud computing system and method for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.

Abstract: A computer implemented method for accumulating money using a client device, server, and network can include presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, or an amount of money associated with a non-monetary goal. The computer implemented method can include transmitting prompts to the client device with suggestions on how to save money, determining a progress towards the goals, displaying the progress, and displaying an updated monetary amount to be accumulated.

Abstract: A computer system receives a collection of attributes that defines a procedure executed by a control tool in performing at least a portion of the attributes. Each respective attribute has a defined data structure, and the collection of attributes includes a genesis attribute that defines a starting attribute performed by the control tool. The collection of attributes further includes a first successor attribute, a second successor attribute, and a third successor attribute. The data structure for each respective attribute of the collection of attributes defines a plurality of data elements, where each data element is associated with a function. The data structure for each respective attribute further defines at least one joining operand for the plurality of data elements.

Abstract: Monitoring systems and methods are configured to determine a pattern of vehicle usage or to verify personal data about a vehicle insurance applicant, without unreasonable expense to an insurance provider or the applicant. A monitoring system can track movements of a handheld mobile communication device, and can include a personal data unit, a communication unit, and an analysis unit. The personal data unit can receive personal data about the insurance applicant, including an identifier of a mobile communication device used by the insurance applicant. The communication unit can receive location data describing various locations of the mobile communication device.

Abstract: Disclosed is a system for, and method of, searching for and identifying an entity representation. Some embodiments permit search criteria that are internally inconsistent. Such internally inconsistent criteria may include, for example, a maiden last name and a married last name. Certain embodiments account for such criteria in an intelligent manner and identify matching entity representations with a known confidence level of accuracy.

Abstract: Disclosed is a system for, and method of, calculating parameters used to determine whether records and entity representations should be linked. Such parameters may be set as negative to account for fields that do not match. The system and method apply iterative techniques such that parameters from each linking iteration are used in the next linking iteration. The system and method need no human interaction in order to calibrate and utilize record matching formulas used for the linking decisions.

Abstract: Aspects relate to a control process that may be utilized to benchmark and quantitatively measure global corporate and industrial engagement in the transition between an incumbent High Carbon Economy (HCE) and a rapidly developing Low Carbon Economy (LCE). Embodiments may implement a 9-point industrial engagement matrix configured to filter entities based on the criteria, such as: engagement, action, and event criteria. The determination may comprise categorizing with the engagement criteria, a first output of the first entity as one of a good, a product, or a service. Further implementations may determine with the action criteria, that the first output satisfies one of a plurality of global event conditions comprising at least one of: climate change, resource depletion and environmental erosion. Still other embodiments may correlate an industrial action condition to the global event condition. For example, the industrial actions may comprise at least one of: adapting, mitigating, and remediating.