Abstract: A system and method for improving the delivery of information to a remote user by anticipating the information that might be requested, and populating a cache with that information such that it may be more quickly retrieved when the remote user requests it. The cache may be located on one of the institution's servers, or the user's computing device, on an intermediate server such as a server in the cloud, or on a combination of these servers or devices. The embodiments disclosed herein apply when an unexpected event occurs or is predicted such as a hurricane or other weather event; a financial event, or a personal event such as a car accident or a medical emergency.

Abstract: An autonomous vehicle control system includes a first autonomous vehicle control center at a first location, and a second autonomous vehicle control center at a second location. The system also includes a controller configured to receive a first data input from the first autonomous vehicle control center and indicative of a first characteristic of the first autonomous vehicle control center, to receive a second data input from the second autonomous vehicle control center and indicative of a second characteristic of the second autonomous vehicle control center, and to receive a third data input indicative of an autonomous vehicle transport request or an autonomous vehicle storage request. The controller is also configured to select the first autonomous vehicle control center or the second autonomous vehicle control center based at least in part on the first data input, the second data input, and the third data input.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A method comprises receiving, by an artificial intelligence (AI) assistant, an input via a communication session between a customer device and a customer service representative device, wherein the AI assistant is trained using machine learning on a database containing previously-received inputs, previously-delivered outputs, and the previous results of previously-delivered outputs; processing, by the AI assistant, the input; determining, by the AI assistant, an output based on the processing of the input, wherein the output includes one of a suggested statement, change in tone, or correction for the customer service representative; and sending, by the AI assistant, an indication of the output to the customer service representative device.

Abstract: The present application at least describes an apparatus for managing traffic. The apparatus includes a display including a graphical user interface. The apparatus also includes a non-transitory memory including information for managing traffic and a processor operably coupled to the display and memory, and configured to execute an instruction of receiving, via the graphical user interface, a request from a buyer to purchase a right of way from an entity at a traffic location. Another instruction includes reviewing, via gps, a location or route of the buyer in relation to the traffic location. Yet another instruction includes reviewing, via gps, a location or route of the entity in relation to the traffic location. Yet even another instruction includes determining, based upon the reviewed locations of the buyer and the entity, whether to send the buyer request to the entity; and sending, based upon the determination, the request to the entity.

Abstract: A call processing system and method for processing calls from high volume callers. A frequency of call activity is monitored for callers to determine reception of a call from a high frequency caller. When a call is received from such a caller, provided is information predicted to be requested from the caller prior to the caller being voice connected to a company representative. The retrieved information is then provided to a company representative prior to the caller being voice connected with a company representative as to expedite the call. Additionally, a customized message for the high frequency caller may be generated prior to the caller being voice connected with a company representative whereby the customized message contains information predicted to be responsive to a predicted inquiry from the determined high frequency caller to mitigate the need to connect the caller to a company representative.

Abstract: Methods and systems for account access security at a network access device. The method includes receiving data indicating that a particular user has initiated a particular request at an access point; obtaining sensor data that is generated by one or more sensors of the access point proximate to a time that the particular user initiated the particular request; classifying the particular request as a particular type of request; in response to determining that the particular request is classified as the particular type of request, initiating an exception processing mode in which requests that are initiated by the users at the access point result in the generation and output of inaccurate completion data to mimic completion of the request; processing the particular request using the exception processing mode; and providing the inaccurate completion data generated by the access point for the particular request.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: Methods and systems for facilitating loss reporting and resolution are described. In some embodiments, a method includes identifying a bounded geographical area affected by a weather event potentially causing property losses to customers of an insurer. The weather event may have an intensity profile in the bounded geographical area. The method further includes generating a customer density profile in the bounded geographical area and predicting resource utilization based on the customer density profile and the weather event intensity profile in the bounded geographical area.

Abstract: A system and method facilitate interactive collaboration using an extended reality (XR) environment. The XR environment provides an electronic whiteboard to users of the XR environment. The XR environment provides an electronic notepad to the first user at a device of the first user. The XR environment receives a note of the electronic notepad from the first user, then receives an input to detach the note from the electronic notepad and to attach the note to the electronic whiteboard. Finally, the XR environment provides a view of the note on the electronic whiteboard to the second user.

Abstract: Methods and systems described herein are directed to verifying a caller's identity and/or authorizing a caller's access to an account using a third party designated agent. A caller verification system can register an agent in association with an account holder's user account with an organization. When a caller attempts to access the account holder's user account during a phone call with a representative from the organization, the caller verification system can automatically request that the agent verify the caller's identity. In some implementations, the caller verification system can bridge or conference in the agent to the phone call to allow the agent to verify the caller's identity and indicate to the representative that the caller's identity matches that of the account holder. The caller verification system can also receive verification messages from the agent via text message, email, HTTP request, or other digital means.

Abstract: A method may include receiving image data representative of cash acquired via one or more image sensors, identifying a first currency depicted in the cash based on a plurality of images associated with a plurality of currencies, and determining a currency conversion rate between the first currency and a second currency. The method may also include generating a visualization representative of a currency value of the cash in the second currency based on the currency conversion rate and overlaying the visualization on the image data.

Abstract: A memory storing processor executable instructions, and a processor configured to execute the processor executable instructions, wherein execution of the processor executable instructions causes the processor to perform operations including receiving image data from an image sensor configured to acquire images in a home, identifying objects in the image data, accessing one or more databases storing risk data associated with the objects in the image data, and, in response to risk data of a particular object in the image data exceeding a threshold, sending, to a device, a notification comprising an indication of the particular object as a high-risk object.

Abstract: Systems and methods provide quality analysis related to member service representatives and interactions communicating with users over social media networks. The systems and methods can generate an interaction quality score between a member services representative and a user of a social media network by aggregating a tone score and an execution score based on the interaction data.

Abstract: A real-world object-based method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect image data from an end-user in real-time that includes objects in their environment. At least one object is selected and its image data stored for subsequent authentication sessions, when the system can determine whether there is a match between the new image data and image data previously collected and stored in a database. If there is a match, the system verifies 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: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can receive a request for authorization of a transaction using the payment card. The request can identify a verification code associated with the payment card and an identifier of the payment card, and the payment card can have an associated dynamic code accessible to a user via a channel. The verification code can be compared with a value of the dynamic code at the time of the transaction. The system can determine whether the user of the payment card accessed the channel within a time period prior to receiving the request for authorization. In response to the verification code matching the dynamic code at the time of the transaction and determining that the user accessed the channel within the time period prior to receiving the request, the system can authorize the transaction.

Abstract: A system and a method are disclosed for detecting an unacceptable HTTP requests by scanning the headers of the HTTP requests.

Abstract: A system and method for processing occluded aerial images of structures to assess structural damage is disclosed. The system employs a generative model that is trained on data created by adding occlusive features to clear aerial images. Both the clear images and their simulated occluded counterparts (image pairs) are inputted into the generative model as training data, and the model learns to recognize and discriminate patterns between the pairs. This process is fully automated and does not require manual labeling. Following training, the model is capable of receiving real (non-simulated) occluded images and generating a clarified image that can reveal structural details previously not apparent to automatically determine a damage classification for the property.

Abstract: The presently disclosed systems and methods provide monitoring systems and methods for assessing risk based on individual risk control categories. In an embodiment, the risk is assessed based on data for a particular control category. A subset of the data is weighted according to a first weighting function, and a different subset of the data is weighted according to a second weighting function. The weighted data is combined to generate a control health index that may be used to assess risk.

Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can issue a payment card to a user. The payment card can be associated with a verification application accessible by a device associated with the user. The verification application can include a dynamic code associated with the payment card. The system can receive a request for authorization for a transaction using the payment card from a remote computing device, and the request can include an identifier of the payment card and a verification code. The system can identify the payment card using the identifier of the payment card and can compare the verification code with a value of the dynamic code at the time of the transaction. The system can authorize the transaction when the verification code matches the value of the dynamic code at the time of the transaction.