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 may include receiving, via at least one processor, a plurality of images representative of a property and determining whether two or more images of the plurality of images correspond to reference image data associated with the property. The method may then involve combining the images to generate a digitally stitched image that corresponds to the reference image data in response to the images corresponding to the reference image data and comparing the digitally stitched image to the reference image data to identify features associated with the property. The method may also involve updating a model representative of the property based on the features and generating an updated insurance policy associated with the property based on the model. Afterwards, the method may send a notification indicative of the updated insurance policy to a computing device.

Abstract: A system may include one or more detectors configured to generate detector data based on signals received from one or more tags integrated in or disposed on one or more items. The system may include a processor configured to: receive the detector data; determine a first set of identification information corresponding to a first item of the one or more items based on the detector data; receive a list of tagged items for a first location, and the list of tagged items comprises a second set of identification information corresponding to the one or more items; identify a theft incident for the first item based on a comparison of the first and second sets of identification information; automatically send a notification relating to the theft incident to one or more devices; and determine one or more insurance policy decisions for the first item based on the theft incident.

Abstract: A system includes an electrical connection system configured to transmit electric power to a plurality of devices associated with a structure and a control system associated with the structure. The control system is configured to receive data indicative of a respective priority associated with the plurality of devices and operate the electrical connection system to control flow of electric power to the plurality of devices based on the data.

Abstract: The present disclosure relates to systems and methods to generate user or user group behavior similarities based on computing distances between individual users or user groups and without using demographic data, e.g., based on anonymized data. The methods include creating a multidimensional vector representation for each user in a group by summarizing user's behaviors across various categories. Based on the created vectors, distance calculation and nearest neighbor search are performed to locate users that are most similar to target users. The resulting distance metrics may be used to rank similarities. Additionally, dimensionality reduction may be performed to further distill the behavior information to make the disclosed methods suitable for a variety of analytics and modeling tasks.

Abstract: Methods and systems described in this disclosure are directed at developing a life planner for a user based on data collected from various data sources. The life plan is displayed using a timeline that includes events generated from the collected data. As additional data is received, the timeline is updated to reflect the changes or additions to the data. In some embodiments, the life plan includes recommendations and predictions pertaining to a financial plan for the user based on his or her expenses and income.

Abstract: The embodiments provide a system and method for filtering out smoke and/or toxic gases/fumes from air in a building. The system integrates various smart devices with an HVAC system along with a controlling software application that can change the state of the smart devices, thereby controlling the types and quantities of air moving through the HVAC system at any time. In particular, the system can adjust the openings of one or more smart registers to control how much air passes in and out of the HVAC system over a given period of time. The system can also adjust the opening of a smart intake vent to control how much fresh (outside) air passes into the system over a given period of time. The system can also adjust the opening of a smart furnace valve that is disposed within the furnace.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for transmitting push notification data to a computing device, the push notification data being processable by the computing device to display a push notification, receiving biometric data, the biometric data being provided from user input responsive to the push notification, determining that a user providing the user input is authenticated at least partially based on the biometric data, and inducing execution of a transaction in response to determining that the user is authenticated.

Abstract: A system includes at least one processor and at least one non-transitory computer-readable media communicatively coupled to the at least one processor. In an embodiment, the at least one non-transitory computer-readable media stores instructions which, when executed, cause the processor to perform operations including receiving a request to insure an item of personal property. The operations also include determining ownership of the item based on information stored on a distributed ledger. The operations also include determining authenticity of the item based on the information stored on the distributed ledger. The operations also include determining a value of the item based on the information stored on the distributed ledger. The operations also include generating an insurance policy for the item based at least in part on the ownership, the authenticity, the value, or any combination thereof.

Abstract: A remote signal-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource. The system and method are configured to cause a visual and/or audio pattern to be displayed in a remote computing device while collecting image data from the same device. The image data is evaluated to determine whether the appropriate response from the person is present. If the response is present, the system determines the image is authentic and can verify an identity of the person, and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

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 can retrieve private keys for addresses on the blockchain and facilitate customer payments through the blockchain.

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: A transactional method and system of incentivizing task performance using token-based exchange for digital media access. The system and method are configured to reward a person with electronic tokens for tasks that are performed and verified by the system. These tokens can then be exchanged by the user for access to desired digital media. Verification can involve the use of natural language processing and image comparison algorithms to determine whether a particular task has been successfully completed.

Abstract: A method and system of intelligently deploying protective structures along the sides of a vehicle in order to protect the vehicle from damage is disclosed. The vehicle includes two protective structures such as bumpers that are each stored in a retracted position during normal vehicle operations. The system receives data collected by sensors in the vehicle to determine whether an accident is likely. If the system determines there is a high likelihood that an accident will occur, one or both protective structures can be deployed from the sides of the vehicle to protect the body of the vehicle from damage.

Abstract: Systems and methods of the present disclosure include a vehicle water detection system that includes a housing configured to be disposed within a vehicle. The vehicle water detection system also includes a water-activated battery disposed within the housing and configured to produce an electrical voltage upon contact with water. The vehicle water detection system further includes an electronic circuitry disposed within the housing and configured to detect a water event occurring in the vehicle based at least in part on the electrical voltage.

Abstract: A temporary payment card security system includes one or more processors and a memory storing instructions executable by the one or more processors to cause the one or more processors to generate a payment card associated with the account of the user in response to receiving an indication that a user associated with an account is attempting to complete a transaction with a merchant. The instructions are also executable by the one or more processors to cause the one or more processors to provide a respective unique payment card number of the payment card to a payment transaction system associated with the merchant.

Abstract: A data management system includes a computing device. The computing device includes one or more processors to execute instructions stored in memory of the computing device. The instructions, when executed by the computer device, cause the computing device to receive an indication that multiple data elements are ready for evaluation, as well as determine whether metadata registration for the multiple data elements is valid. The instructions also cause the computing device to determine a data quality of the multiple data elements by evaluating multiple data elements based on multiple data quality dimensions including at least two of: validity, completeness, uniqueness, accuracy, consistency, and timeliness. The instructions also cause the computing device to provide an indication of the data quality of the multiple data elements via a graphical user interface (GUI) generated via a centralized data mart.

Abstract: Embodiments disclosed herein include systems and methods for systematic crowdsourcing of geolocation data. Transaction data that includes an identification of a point of sale device and an identification of a payment vehicle used in the transaction can be received. A confidence in a location of the point-of-sale device can be calculated. When the confidence of the location of the point-of-sale device is lower than a threshold confidence, a location of a device associated with an owner of the payment vehicle can be determined. An updated confidence in the location of the point-of-sale device can be generated based at least in part on the location of the device.

Abstract: This disclosure describes systems and methods that identify activities for which scripts can be built to perform an activity when requested by a user. The scripts can be voice-activated by a defined customized voice command and can include delivery preferences. The user's identity can be verified by analyzing voice biometrics of the customized voice command. After performance of the activity, results can be delivered to the device in the format indicated in the script.

Abstract: Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may us one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.