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: 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: 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: 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.

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: 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: 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: 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: 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: 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 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: 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: 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 and method for analyzing wearable sensor data in reconciliation with calendar entry data. A computer processor is coupled to a user configurable calendar system and a user wearable device. The processor detects one or more user activity events from one or more electronic wearable devices associated with the user and detects one or more user calendar events from a user configurable calendar system. The processor is configured to determine a course of action to be taken by the user based upon the one or more calendar events and the detected one or more user events.

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.