Abstract: Disclosed is a system for, and method of, supplementing an internet search. The disclosed techniques may be used to receive an initial internet search criteria entered by a user at an interface (such as a web site) to the internet search engine, identify an entity representation in a database that corresponds to the internet search criteria, and produce an enhanced internet search criteria that may incorporate both the initial internet search criteria and field values from the identified entity representation. The enhanced internet search criteria may be passed to the internet search engine in a manner that is transparent to a user.

Abstract: A system for secure communications using resonate cryptography includes a resonator that has a random number generator (RNG). The RNG can be at least one of a true random number generator, pseudo-random number generator, and any non-repeating sequence of numbers having a characteristic of a random number stream, and generating a first stream of random numbers. A transmitter, electrically coupled to the random number generator, is also included to transmit the generated first stream of random numbers.

Abstract: Certain implementations of the disclosed technology include systems and methods for external linking based on hierarchal level weightings. The method may include associating external query data having one or more query field values with a record in a linked hierarchical database. The linked hierarchical database may include a plurality of records, each record having a record identifier and representing an entity in a hierarchy, each record associated with a hierarchy level, each record including one or more fields, each field configured to contain a field value. The associating may include receiving the external query data, wherein the external query data includes one or more search values; and identifying, from the plurality of records in the linked hierarchical database, one or more matched fields having field values that at least partially match the one or more search values.

Abstract: Embodiment 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 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 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 implementations of the disclosed technology include systems and methods for determining a reachability score of a phone number. A method includes receiving personally identifiable information associated with the subject; querying one or more public or private databases with the personally identifiable information; receiving, in response to the querying, phone number information related to the personally identifiable information; extracting, from the phone number information, one or more phone numbers associated with the subject; determining, with one or more computer processors, based at least in part on the one or more phone numbers, a phone type corresponding to the respective one or more phone numbers; determining, with the one or more computer processors, a reachability score for at least one of the one or more phone numbers, wherein the reachability score is based, at least in part, on the phone type; and outputting an indication of the reachability score.

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

Abstract: A system for managing risk in employee travel may notify affected users of the travel risk management system of the occurrence of a risk management event during travel. The travel risk management system may store geographic location information for a plurality of users of the travel risk management system, determine the occurrence of a risk management event, determine a geographic location of the risk management event and compare the geographic location of the risk management event to the stored geographic location information for the users. The system may execute a risk management event response in response to determining that a geographic location of at least one of the users is at the geographic location of the risk management event. The response may include transmitting a risk management event notification message to a portable computing device for each user located in the affected area.

Abstract: Techniques for ranking a set of vulnerabilities of a computing asset and set of remediations for a computing asset, and determining a risk score for one or more computing assets are provided. In one technique, vulnerabilities of computing assets in a customer network are received at a vulnerability intelligence platform. Breach data indicating set of breaches that occurred outside customer network is also received. A subset of the set of vulnerabilities that are most vulnerable to a breach is identified based on the breach data. In another technique, multiple vulnerabilities of a computing asset are determined. A risk score is generated for the computing asset based on the vulnerabilities. In another technique, multiple remediations associated with a risk score and multiple vulnerabilities are identified. The remediations are ordered based on the remediations that would reduce the risk score the most if those remediations were applied to remove the corresponding vulnerabilities.

Abstract: Certain implementations of the disclosed technology may include systems and methods for multi-stage identity authentication. A method is provided that includes receiving a set of identity information associated with a subject and querying one or more public or private databases with at least a portion of the set of identity information. The method includes receiving independent information responsive to the querying. The method includes determining zero or more first indicators of fraud risk and producing one or more identity proofing queries derived from the independent information. Based at least in part on a comparison of the one or more proofing queries and a query response, the method includes determining zero or more second indicators of fraud risk and evaluating a fraud score. Responsive to evaluating the fraud score, the method includes initiating one or more of authentication enrollment and multi-factor authentication of the subject.

Abstract: Certain implementations may include systems and methods for determining occupancy. According to an example implementation, a method is provided. The method includes receiving identifying information related to occupancy of a target property by a subject. The identifying information may include a name of the subject and an address of the target property. In certain embodiments, the identifying information may include an actual or approximate investigation date to allow a historical evaluation of occupancy at a specific time in the past. The method includes querying one or more public or private databases with the identifying information and receiving, in response to the querying, subject and property information. The method includes determining one or more indicators of occupancy of the target property. The method includes determining, with the one or more computer processors, a score based on the one or more indicators of occupancy; and outputting an indication of the score.

Abstract: Disclosed is a system for, and method of, determining whether records and entity representations should be delinked. The system and method need no human interaction in order to calculate parameters and utilizing formulas used for the delinking decisions.

Abstract: Certain implementations of the disclosed technology include systems and methods for determining a reachability score of a phone number.

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: Certain implementations of the disclosed technology include systems and methods for determining a reachability score of a phone number. A method includes receiving personally identifiable information associated with the subject; querying one or more public or private databases with the personally identifiable information; receiving, in response to the querying, phone number information related to the personally identifiable information; extracting, from the phone number information, one or more phone numbers associated with the subject; determining, with one or more computer processors, based at least in part on the one or more phone numbers, a phone type corresponding to the respective one or more phone numbers; determining, with the one or more computer processors, a reachability score for at least one of the one or more phone numbers, wherein the reachability score is based, at least in part, on the phone type; and outputting an indication of the reachability score.

Abstract: Automated systems and methods for implementing and managing the submission, quote, proposal and binding stages (i.e., placement process) for securing insurance coverage.

Abstract: Techniques for ranking a set of vulnerabilities of a computing asset and set of remediations for a computing asset, and determining a risk score for one or more computing assets are provided. In one technique, vulnerabilities of computing assets in a customer network are received at a vulnerability intelligence platform. Breach data indicating set of breaches that occurred outside customer network is also received. A subset of the set of vulnerabilities that are most vulnerable to a breach is identified based on the breach data. In another technique, multiple vulnerabilities of a computing asset are determined. A risk score is generated for the computing asset based on the vulnerabilities. In another technique, multiple remediations associated with a risk score and multiple vulnerabilities are identified. The remediations are ordered based on the remediations that would reduce the risk score the most if those remediations were applied to remove the corresponding vulnerabilities.

Abstract: Audit performance systems and methods can be used to provide objective assessment of the performance of claim administrators. Data from audits performed by one or more insurance broker consultants can be input into the audit performance system, and analyzed, to generate reports that compare the performance of a selected claim administrator to an industry standard level of performance or to one or more other claim administrators.

Abstract: Distributing pull protocol requests via a relay server and thereby reducing the number of outgoing packets used by a fragment pull protocol, including the steps of aggregating, by an assembling device, a plurality of fragment pull protocol requests into an aggregated message; transmitting the aggregated message to a relay server, whereby the relay server distributes the requests to at least two fractional-storage servers; and receiving, by the assembling device from the at least two fractional-storage servers, a plurality of fragments in response to the aggregated message.