Abstract: In an illustrative embodiment, systems and methods for cyber vulnerability assessment include obtaining assessment data including information pertaining to domains of cyber security vulnerability of an enterprise and, for each security domain, a respective domain-level vulnerability score, identifying risk(s) relevant to the enterprise based on domain-level vulnerability score(s), identifying recommended products or services for mitigating each of the risks, and preparing a graphical user interface for selecting a portion of the recommended products or services. A user may select one or more products or services through the user interface for purchase and/or deployment planning. The domain-level vulnerability scores may be compared to peer vulnerabilities scores, target vulnerability scores, or prospective vulnerability scores based upon application of certain recommended products or services.

Abstract: This disclosure describes, in part, techniques for performing automatic document analysis. For instance, one or more computing devices may obtain a plurality of documents for analysis. The one or more computing devices may then analyze the documents to determine a respective comparative breadth score representing a breadth of each document, a respective comparative portion count score representing a number of documents portions included in each document, and a respective comparative differentiation score representing differentiation between the documents portions included in each document. In some instances, the one or more computing devices determine each of the scores based on comparing the respective breadth, respective number of document portions, and respective differentiation for each of the documents under analysis. The one or more computing devices can then determine a comprehensive score for each document using the respective scores, and generate a user interface that includes the overall scores.

Abstract: Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions.

Abstract: A mobile or in-vehicle communication system and method facilitate communication among groups. The system and method also facilitate the creation of such groups. The system and method may convert speech from one member of the group to text for distribution to other members of the group, for whom the text is converted to audible speech.

Abstract: A system automatically processes rules for allocation of resources to mitigate damages resulting from a catastrophic event. Overlapping interests of various stakeholders are processed in a deterministic manner to ensure repeatable processing and modeling. In one embodiment the resources are disaster aid items; in another they are obligations regarding insurance.

Abstract: Embodiments of the disclosed technology include systems and methods for identifying one or more entities associated with activities. In an example implementation, a method includes determining one or more geographical regions proximate to the plurality of locations associated with the one or more activities; determining connections between one or more identities of a population and a plurality of related entities associated with the one or more identities; determining geographical information associated with related entities; weighting one or more metrics for each of the identities based on the geographical information associated with the related entities and the or more geographical regions proximate to the plurality of locations associated with the one or more activities; scoring the one or more weighted metrics; and providing, based on the scoring, an indication of a likelihood that the one or more identities of the population are associated with the one or more activities.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: A risk exposure model is developed for network or moveable assets not specific to a single, fixed address or location. An asset map using a plurality of geographic representation points is used to identify the physical locations of the asset portions (or possible physical locations in the case of a moveable asset). Baseline geographic, geologic, political, and demographic data is similarly represented using geographic representation points. Meta-data associated with each geographic representation point is used to identify details related to the asset or baseline feature at that geographic location. Risk exposure values are then calculated using the geographic representation points specific to the asset portions that are subject to risks associated with the location of the asset portion.

Abstract: This vehicle monitoring system provides a plurality of sensors in the vehicle recording performance of the vehicle. A processor (remote or on-board) receives data from the sensors. The processor classifies the data from the at least one sensor as an event in one of a plurality of classifications. The processor associates at least one parameter with the classification.

Abstract: A computing system and platform uses various types of data stores to allow efficient querying of, and accelerated access to, extremely large data sets. One such data store is a dimension store that combines key-value and columnar stores, access to which is provided by several selectable mechanisms chosen based the nature of the data of interest. These include bitmap-based access, us of an optimized columnar data format, and access via namespace identifiers. A compressed, optimized page data format is provided for storing and analyzing large fact-based data. The complex dimension store is used to provide complex relationships and interpretation of the fact-based data, enabling high-performance advanced queries, with bitmap indexes passed between the two stores. Dimension data is stored in an encrypted manner throughout the system, and can be exchanged among parties in a secure manner.

Abstract: A method of and system for increasing the reliability of signal detection, that includes receiving at least one audio recording comprising at least one sound marking signal and performing waveform analysis on the sound marking signal to determine whether the sound marking signal is fragmented into a plurality of signal portions. If the sound marking signal is fragmented into a plurality of signal portions, the method further includes confirming that portions of the fragmented sound marking signal possess characteristics of a sinusoidal signal.

Abstract: Certain implementations include systems and methods for combined one-time-passcode (OTP) and knowledge-based-authentication (KBA) identity authentication.

Abstract: Manual human processing of documents often generates results that are subjective and include human-error. The cost and relatively slow speed of manual, human analysis makes it effectively impossible or impracticable to perform document analysis at the scale, speed, and cost desired in many industries. Accordingly, it may be advantageous to employ objective, accurate rule-based techniques to evaluate and process documents. This application discloses data processing equipment and methods specially adapted for a specific application: analysis of the breadth of documents. The processing may include context-dependent pre-processing of documents and sub-portions of the documents. The sub-portions may be analyzed based on word count and commonality of words in the respective sub-portions. The equipment and methods disclosed herein improve upon other automated techniques to provide document processing by achieving a result that quantitatively improves upon manual, human processing.

Abstract: A mobile device includes an inertial sensor generating inertia signals based upon motion of the mobile device. The mobile device further includes a high power module that consumes more power than the inertial sensor. A processor is programmed to determine whether the mobile device is being carried by a user who is walking based upon the inertia signals. The processor deactivates the high power module or maintains the high power module in a low power mode based upon a determination that the mobile device is being carried by a user who is walking.

Abstract: Systems and methods are disclosed herein for detecting entity migration. A method is provided for receiving container information for all known addresses in the United States. The container information can include address records, person or business entities associated with the address records, and temporal information associating the entities with the address records. The method includes determining, with one or more special-purpose computer processors in communication with a memory, migration data based on the container information. The method includes extracting metrics from the migration data. The metrics can include velocity of migration data; simultaneous movement of individuals within a predetermined time period; distance moved; and/or age of the person or business entities. The method can include determining, based at least in part on outliers associated with the metrics, one or more indicators of fraud; and outputting, for display, the one or more indicators of the fraud.

Abstract: Certain implementations of the disclosed technology may include systems, methods, and apparatus for inferring the performance of rejected credit applicants using non-tradeline data. According to an example implementation, a method is provided for evaluating factors that may indicate financial distress and/or future credit performance associated with an applicant. In an example implementation, the method may include receiving applicant information associated with an applicant of a credit application. Responsive to a query, the method may include receiving by at least one processor, non-tradeline data related to the applicant. The method includes scoring, using a predictive scoring model, and based at least in part on the non-tradeline data, a prediction of the applicant's future credit performance. The method includes generating, based on the scoring, an estimated credit performance of the applicant over a predetermined period; and outputting an indication of the estimated credit performance.

Abstract: Certain embodiments of the disclosed technology include systems and methods for increasing efficiency in the detection of identity-based fraud indicators. A method is provided that includes: receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining a validity indication of the entity supplied information; creating disambiguated entity records; determining relationships among the disambiguated records; scoring, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.

Abstract: Certain embodiments of the disclosed technology include systems and methods for increasing efficiency in the detection of identity-based fraud indicators. A method is provided that includes: receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining a validity indication of the entity supplied information; creating disambiguated entity records; determining relationships among the disambiguated records; scoring, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.

Abstract: Embodiments of the present invention are generally directed towards providing systems and methods for providing risk recommendation, mitigation and prediction. In particular, embodiments of the present invention are configured to allow for input of data related to known hazards to be interpreted and tracked or estimation of risk present in a variety of scenarios. Further embodiments of the present invention are configured to allow for predictive modeling and analysis of risk based on data as well as predictive behavior and other modeled information.

Abstract: A system and method for the valuation, acquisition, and management of insurance policies whereby specific business methods, algorithms, and systems are utilized to measure specific benchmarks set by risk bearers, affiliates and clients. The benchmarks set are based on the ratios set by the risk bearer based on their specific objectives for profitability. Profitability is measured by a number of factors and ratios to include but not be limited to ROI, ROE, Combined Ratio, Expense Ratio, Loss Ratio.