Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Abstract: A system and method for alerting a driver of a motor vehicle or a person walking along a road or hiking on a trail of potentially dangerous hazards in their path. Hazards may be deep water, ice, oil slicks or other hazards. In the case of a motor vehicle, the system uses cameras mounted on or within the vehicle to detect potential hazards and then analyzes the images combined with the known topography of the location to evaluate the ability of the vehicle to safely traverse the hazard. In the case of a person walking or hiking, the person may use the camera on a personal mobile device to capture images of the hazard and to combine the images with the known topography at the location to evaluate the danger presented by the hazard.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: A system and method for automatically detecting fences on a premises are disclosed. The system and method use image data gathered from one or more sources, including satellite images and images from ground-based cameras. The images are analyzed using a machine learning system to detect a fence. The system and method can also automatically update a policy holder's insurance policy to reflect the presence of a fence on the premises.

Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).

Abstract: A system that detects and reduces impaired driving includes a first sensor that detects information indicative of a sleep pattern of a user, and a second sensor that detect vehicle operation information. The system also include a mobile electronic device communicatively coupled to the first sensor and the second sensor. The mobile electronic device includes a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processor to determine that the user is impaired based on the information indicative of the sleep pattern of the user, and determine that a vehicle is in operation based on the vehicle operation information. The instructions also cause the processor to perform an action to reduce impaired driving in response to determining that the user is impaired and that the vehicle is in operation.

Abstract: A system and method for routing a call from a customer to a customer service representative at a call center is described. The method being performed by an augmented intelligence system. The method includes receiving an incoming call from a customer at the call center. The method also includes determining a match between a classification of the customer and a classification of a selected customer service representative based on a profile of the customer and a profile of the selected customer service representative. The method further includes routing the incoming call from the customer to the selected customer service representative.

Abstract: A method for detecting computer issues includes identifying a target computer system. A first set of data for a first time period relating an operating metric from the target computer system are received. The operating metric is stored. A second set of data for a second time period relating to the operating metric is received. The first and second sets of data are compared. A difference between the two sets of data is identified. If the difference between the two sets of data is within a range a warning notification is displayed in a graphical user interface. An input is received in the graphical user interface in response to the warning notification being displayed.

Abstract: People provide content such as a recorded text or audio on various platforms, such as recorded telephone lines, social media, or web chats. The techniques described in this patent document can be used to obtain a set of topics that characterize the words in the recorded text or audio for each platform. By identifying topics being discussed on several platforms and by correlating topics between the platforms, a multi-channel topic orchestration server can generate a timeline that shows when the topic appeared on the various platforms.

Abstract: A system for generating video content may include a bank database that has a first set of data associated with an account status of an individual. The system may also include a credit provider database that includes a second set of data associated with a credit status of the individual and at least one processor. At least one processor may receive an indication that the credit status of the individual has changed, retrieve the first set of data from the bank database and the second set of data from the credit provider database, generate a personalized financial video associated with the individual based on the first set of data and the second set of data, and transmit the personalized financial video to a computing device associated with the individual.

Abstract: Described herein are systems and methods of facilitating remote notarization of electronic instruments and storing records memorializing these notarization events. A notarization system provider may capture video feeds from different angles, and combine the feeds into a single archive multimedia file, which may be stored as a secured record of a notarization. The notarization system may be utilized as an alternative to a conventional notarization settings involving a notary, in-person. The notarization system provider may supply a signing party with an electronic instrument, which could be any instrument requiring notarization to be effective. Parties signing the document may go to a system provider's location or representatives could bring the requisite devices to the signing parties. Cameras generate video feeds of the notary, the notary, and any witnesses, and then forward the feeds to other devices in the system, allowing each party to observe the signing party sign the instrument.

Abstract: Cracks in foundations may be detected by sensing motion within the foundation. Depth sensors may be applied to a foundation, and the depths of the sensors may be read. At subsequent points in time the depths of the sensors may be read again. If the depths of the sensors are changing in a way that suggests that portions of the foundation are moving apart from each other, then it may be inferred that a crack is forming in the foundation. The formation of cracks may be used to take various actions. For example, the owner of the building that rests on the foundation may be information of the crack so that he or she may take remedial action.

Abstract: A method comprises receiving geographic location data indicative of two or more locations of a vehicle, wherein the vehicle is insured by a first insurance policy. The method further comprises determining a second rating area covering a second location among the two or more locations of the vehicle, wherein the second rating area is different than the first rating area. The method further comprises determining that the second rating area requires a second insurance policy different from the first insurance policy and generating the second insurance policy for the vehicle based on at least the second rating area, wherein the second insurance policy has a second set of coverage parameters different from the first set of coverage parameters. The method further comprises offering the second insurance policy to an owner of the vehicle.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server, which automatically manages appointment scheduling. The analytic server receives a customer request to schedule an appointment. The analytic server determines the required data from both customer and service provider for making the appointment. The analytic server retrieves customer data comprising requested service attributes, user preferences, users attributes from internal database and external data source. The analytic server retrieves service providers' data comprising provider service attributes, providers' attributes from internal database and external data sources. The analytic server accesses external data source by web crawling various websites. The analytic server executes an artificial intelligence model to predict user preferences and needs. The analytic server determines potential service providers best matching the customer's input or predicted preferences.

Abstract: A method and system for a one-time authentication interaction to conduct electronic financial transactions using a wearable smart ring device is described. In one embodiment, a method includes detecting, by a mobile device, that a wearable smart ring device is being worn by a user. The method also includes receiving, by the mobile device, authentication information associated with the user, and comparing the received authentication information with stored authentication information associated with the user. Upon determining that the received authentication information matches the stored authentication information, the wearable smart ring device is authorized to conduct electronic financial transactions. Additionally, the wearable smart ring device remains authorized to conduct electronic financial transactions as long as it is worn by the user. Once removed from the user's finger, the wearable smart ring device is de-authorized.

Abstract: The present disclosure relates to methods and systems for measuring private information protection across a number of external services. A centralized private information protection service is coupled to external services, accesses data of these external services, aggregates the data and determines a private information protection scoring based upon the aggregated data.

Abstract: Implementations of the present disclosure are directed to providing remote access to electronic documents stored in a server system using a virtual secure room, and include actions of authenticating a user at least partially based on credentials the user, at least partially in response to authenticating the user, providing a secure connection between a computing device of the user and the server system, transmitting at least one electronic document for display to the user on the computing device, monitoring the user, while the at least one electronic document is displayed to the user on the computing device, and selectively closing the secure connection in response to one or more of at least one activity and at least one state of the user.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of a threat. For example, an unmanned vehicle may analyze information about the property and based on the information deter theft of items on the property.

Abstract: A system and method that guides a user to record initial and final walkthrough videos, along with audio, of their rental property is disclosed. The embodiments also provide a system that can scan a lease for the rental property, as well as audio from a user's narration of the video, and extract and tag particular features of the video for efficient querying at a later time. The system can interpret portions of the lease that are relevant to particular items or components in the apartment (for example, major appliances) and guide the user to perform a comprehensive inspection of the items mentioned in the lease.

Abstract: Techniques are described for determining and tracking fractional ownership interests in an asset, using a distributed ledger. Shares in an asset, such as a house, may be offered for sale through a marketplace. Sales of the shares, and information regarding the asset, may be tracked using a distributed ledger system, such as one or more blockchains that provide immutable and secure data storage distributed across a plurality of nodes. Embodiments provide individuals with liquidity options and/or pricing options for selling shares in their home, allowing individuals to securitize interest in their own equity in the home and pre-sell shares in some of that equity without selling the entire property and without taking out a loan.