Abstract: A non-fungible token (NFT) representing title to property may be received. A search of the title to the property may be conducted. A title confidence may be determined based on the search of the title to the property. A premium may be determined based on the title confidence. The premium may be redetermined based on changes to the title confidence.

Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: Methods and systems described in this disclosure are directed to authentication of calling parties. The authentication of calling parties applies to simultaneous voice and/or data communications with multiple parties over multiple electronic mediums including a variety of electronic devices. A user can continue to maintain a data exchange session with a representative of an entity offering the goods or services of interest to the user across more than one user device. In some embodiments, a user can invite other parties in a multi-party call involving the user and the representative. Various embodiments for multi-party and multi-device authentication mechanisms are described herein. In some embodiments, the system calculates an estimated call waiting time for a user to speak with the representative.

Abstract: Disclosed herein are systems and methods of executing scanning software, such an executable software program or script (e.g., PowerShell script), by a computing device of an enterprise, such as a security server, may instruct the computing device to search all or a subset of computing devices in an enterprise network. The scanning software may identify PowerShell scripts containing particular malware attributes, according to a malicious-code dataset. The computing system executing the scanning software may scan through the identified PowerShell scripts to identify particular strings, values, or code-portions, and take a remedial action according to the scanning software programming.

Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Abstract: Methods and systems described in this disclosure are directed at gamification. In some embodiments, the present disclosure relates to methods and systems for tracking actions taken by a user at predetermined gaming levels in a gaming application, the gaming application also facilitating users to interact with the gaming application in the form of questions and answers. If the user is unable to provide a minimum number of correct responses to the questions presented, the gaming application displays actions that are to be performed by the user to continue playing the game. In some embodiments, a game is paused temporarily by a pause signal sent to the gaming application. The game resumes when a resume signal is sent to activate the gaming application.

Abstract: An information technology (IT) network includes configuration items (CIs) that may constantly change, where the CIs describe hardware components or software components that are configured to operate on the IT network. Machine learning techniques can be employed determine whether a CI has been changed (e.g., added, updated, or removed) in the IT network. For example, a software code or a log message associated with a CI can be analyzed to determine whether the CI is a newly added or updated within the IT network.

Abstract: Implementations selectively message member account data to client applications to reduce server load. When a monitored load on cloud servers meets a criteria, a hold status may be triggered. During the hold status, member accounts may be monitored and client applications may be transmitted push messages, for example when a change is detected in a member's monitored account. The push messages can contain the detected changes, such as a posted transaction that triggered the message. Implementations of the client application can be configured to display local data (stored from the push messages) during the hold status in response to a member's request to access/view their account. Because server to client communication is limited to messages that contain member account changes, an overall server load can be reduced.

Abstract: A system and method for high-precision automated guidance of a drone via a local (on-site) computing device for delivery of items is disclosed. The drone navigates to a location in proximity to the recipient's home using standard navigation protocols. Once the UAV arrives at this local destination, communication between the UAV and an on-site computing device occurs. The on-site device serves as a micro air-traffic controller to the UAV's precise drop off target location. The on-site device can provide approach vectors, guidance around obstacles and navigation instructions to a final micro-destination.

Abstract: The present disclosure is directed to systems and processes for adaptively optimizing query execution. To improve efficiency and reduce costs of executing queries, machine learning may be utilized to automatically choose or adjust the processing blocks used to execute or process queries based on the nature of the cloud processing outputs and client preferences, among other considerations. A machine learning engine may group queries together into topics based on characteristics of the queries. The machine learning engine may receive execution statistics for the topics and, using the execution statistics, identify which topics enhance or optimize query execution. The machine learning engine may determine which topics may be executed by which processing blocks, at which times of day, and on which platforms, among other considerations in order to enhance or optimize cost or processing efficiency according to client-specified parameters.

Abstract: A system includes a server configured to store a plurality of imagery configured to be presented in an email template on an electronic device. The server is configured to receive a request to retrieve an imagery of the plurality of imagery for use in the email template. The system also includes a controller configured to perform operations that include monitoring information associated with the request, comparing monitored information associated with the request with expected information associated with the request, and determining unauthorized usage of the email template based on a mismatch between the monitored information and the expected information.

Abstract: A technique for selectively sending encryption keys is provided that encrypts user data generated as a result of a user interacting with a user device. The encrypted user data may be sent to one or more target devices associated with a third party. When the one or more target devices are authorized to receive an encryption key, the encryption key to decrypt the encrypted user data may also be sent to the one or more target devices.

Abstract: A method and system of providing users with dynamic content about a specific task during access of an application based on previous in-app activity by the app's community of users for the task. The system identifies experienced user activity that represents an efficient performance of the task. The activity is stored in a repository for use by a dynamic content generation module. When subsequent users appear to need assistance in performing the task, the system can present content that is based on the more experienced users' activity. As additional data is collected, this content can be updated.

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 multi-factor authentication technique can use multiple smart devices to determine whether a person is authenticated by minimizing the extent to which the person is expected to interact with his or her smart devices. In an example multi-factor authentication method comprises performing a first determination, that a first mobile device is located within a wireless range of a device, obtaining a unique identifier from the first mobile device, sending, to a server, the unique identifier, receiving, from the server, information that indicates a first authentication technique and a second authentication technique, performing a second determination that the person is authenticated by successfully performing the first authentication technique with the first mobile device and by successfully performing the second authentication technique with the second mobile device, and performing a final authentication operation in response to performing the second determination.

Abstract: Techniques are described for performing multi-factor authentication of a user during a service session, based at least partly on a code conveyed using an audio file. A code is generated that corresponds to the user and/or their user device. A playback device that is registered to the user can be used to output a playback of an audio file that encodes the code. The playback of the audio file is conveyed through the service session by the user device and received by a backend server, which analyzes the playback of the audio file to extract the code. The user can be authenticated based at least partly on verifying the code that is extracted from the playback of the audio file, by comparing the extracted code to the code that was generated and sent to the playback device.

Abstract: Systems and techniques are provided herein to an agentless Information Technology (IT) asset management system that automatically identifies and executes remedial actions independent of a client-side agent installed on the client system. In particular, artificial intelligence is used to trigger agentless actions via one or more application programming interfaces (APIs). The APIs trigger services that interface directly with operating system supported functionalities to manage IT assets.

Abstract: Systems and methods for fault tolerant digital payments are disclosed. The system comprises a computing system that can automatically determine if payments should be processed using a digital payment processing system, or using a blockchain. When the system detects that communication with the digital payment processing system has been interrupted, the system may facilitate transactions through the blockchain. In particular, the system may receive private keys from mobile devices of customers, which can be used to make payments on the blockchain.

Abstract: A system and method for using gaming as a tool to determine optimum routes through areas that have experienced a disaster are provided. Due to the disaster, an area may have some destroyed roads and other infrastructure. In one embodiment, input data collected from people on the ground, drones, and other aerial vehicles can be used to generate a virtual simulation of the area. The virtual area may include renderings of destroyed roads and infrastructure. Once created, the virtual area may be uploaded to an online gaming environment where users can participate in online games that permit them to find the best routes through the virtual area between starting and destination points. Once optimal routes are found, the system may send these routes to navigation systems used by rescuers and other people in the area to help them navigate the disaster area.