Abstract: A system is described to authorize a transaction using blockchain technology. For example, a transaction authorization system comprises a point of sale (POS) device, a mobile device, and a payment blockchain. The POS device can initiate a transaction by scanning one or more items to be purchased and generating a code comprising a transaction identifier and a total cost of the one or more items. The mobile device can receive the code and can generate a token comprising the transaction identifier, total cost, a selected payment method identifier, and a value that can identify an account of a person associated with the mobile device. The token is sent to a payment blockchain to authorize the transaction.

Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater than a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

Abstract: A system and method for capturing and automated processing aerial images of structures to assess structural damage is disclosed. The system comprises a computing system used to obtain images of selected locations associated with known structures at different points in time before and after a natural disaster. The images are used to automatically create three-dimensional models that are used to detect the specific portions of a structure that may be damaged as well as the spatial extent of that damage. In addition, the imagery can be fed into a damage classifier that automatically classifies the degree of damage and generates accurate estimates of repair costs. The system and method may be deployed to quickly assess damage of structures in a disaster area and provide reports of the damage to homeowners and/or insurers.

Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Abstract: Authentication systems and methods using orientation sensor-enabled payment cards are disclosed herein where a server receives an authorization request from a web server or an electronic terminal. The server then transmits an instruction to the orientation sensor to determine whether the payment card has an orientation that is consistent with a predetermined orientation. When the payment card has an orientation consistent with the predetermined orientation, the server executes a first authentication protocol. However, if the payment card has an orientation that is not consistent with the predetermined orientation, the server executes a second authentication protocol that is more restrictive than the first authentication protocol.

Abstract: A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.

Abstract: Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.

Abstract: A keyboard detection system, that includes a processor that operates to detect at least one anomaly in input data and determine a correlation between the at least one anomaly and a characteristic of an inconsistent keyboard type. The processor may operate to determine the correlation between the at least one anomaly and the characteristic of the inconsistent keyboard type based on a lookup table or algorithm.

Abstract: A method and system of providing users with a tool to interact with content from a primary app through a secondary app are disclosed. The secondary app obtains source data from the primary app and determines whether the data includes labels that can trigger the application of a particular configuration in the presentation of the content. Changes made to the source data in the secondary app that relate to substantive or key data for the content do not affect the source data in the primary app. However, changes made in the secondary app that relate to non-substantive data can be propagated back to the primary app.

Abstract: A roof protecting system for protecting the roof of a building from hail damage. The roof protecting system includes a roof covering structure adapted to cover a portion of the roof and capable of holding a non-Newtonian dilatant fluid; a deployment system to dispose the roof covering structure onto the roof; and a delivery system for delivering the non-Newtonian dilatant fluid to the roof covering structure.

Abstract: Methods and systems described in this disclosure can identify, from a social media listening device, content items posted by a plurality of users, where each of the content items is associated with a social handle. Each of the content items can be mapped to a user identifier associated with a user or a potential user of a service using the social handle. A subset of the mapped content items can be created by selecting the mapped content items that correspond to an event based on content. The mapped content items are then categorized based on the corresponding events in the content items. Service or product opportunity leads can be determined from the mapped and categorized content items.

Abstract: A communication management system provides a cognition test electronically to control access to an account. A test implementer includes a graphical user interface. One or more processors are configured to administer the cognition test by: displaying a plurality of image components on the graphical user interface such that each image component of the plurality of image components moves along a respective movement path within the graphical user interface; receiving an input via the graphical user interface; comparing the input to a solution value for the cognition test, wherein the solution value is based on the plurality of image components; blocking access to a protected account based on the input not correlating to the solution value; and allowing access to the protected account based on the input correlating to the solution value.

Abstract: Methods and systems described in this disclosure are directed to electronically generating narratives and tracking a user's actions in responses to receiving the narratives. The disclosed system can rank narratives for effectiveness of a narrative based on the responses. In some embodiments, the narratives can be classified into categories based on criteria pertaining to user population data or user-specific data.

Abstract: A system may include sensors that may acquire health data related to an individual. The system may also include a processor that may receive trip data associated with a current location of the individual and a destination location for the individual, traffic condition data associated with routes between the current location and the destination location, and weather related data associated with the routes. The processor may also receive the health data from the sensors and determine whether the individual is associated with a driver assessment score above a threshold based on the trip data, the traffic condition data, the weather data, the health data, or any combination thereof. The processor may then send an activation signal to a vehicle control system in response to the driver assessment score being above the threshold, such that the activation signal may enable the vehicle control system to control operations of a vehicle.

Abstract: Various embodiments of the present technology generally relate to authentication. More specifically, some embodiments relate to systems and methods for mobile application infrastructure and framework for application authentication. Currently, methods and systems for authentication are not flexible or dynamic and over-authentication has become a solution because it is cheap and easy. In contrast, in accordance with some embodiments of this application, the methods and systems can analyze authentication challenges and non-authentication challenges received from a server over a network in a client side infrastructure. The client side infrastructure can determine a customized, flexible, and dynamic plan for responding to authentication challenges in manner that avoids over-authentication on the client side.

Abstract: An energy usage computing system includes one or more processors that are configured to receive data corresponding to energy usage of a plurality of devices within a property from a plurality of sensors. The energy usage computing system is also configured to analyze the data to determine an amount of energy used for at least one device of the plurality of devices, project an estimated cost of operation for the at least one device based at least in part on the determined amount of energy used for the at least one device, compare the estimated cost of operation for the at least one device to a threshold, and perform a cost-saving action in response to determining that the estimated cost of operation for the at least one device is above the threshold.

Abstract: A method comprises providing, via a server, access to a claim wall for an insured party and an insuring party, wherein the claim wall comprises a website page associated with an insurance claim, wherein the website page includes an interface configured to receive input from at least one of the insured party or the insuring party, wherein the website page displays one or more tasks associated with the insurance claim, and wherein the claim wall is configured to be output to a user interface as one or more entries on the website page; receiving, via the server, information that a status of the one or more tasks has changed; and populating an entry of the claim wall with status information regarding the status change of the one or more tasks.

Abstract: A transactional method and system of managing access to API services based on the performance of computational tasks by an end-user is disclosed. The system and method are configured to identify requests from an end-user to an API for services that are associated with a transactional cost. This cost is passed on to the end-user by generation of a computational task assignment to be completed by the client computing system. Once the assignment has been performed, the end-user may be granted access to the requested service.