Abstract: Techniques for gamifying risk management services include associating a financial status of a user with a defensible position display element in a gameplay scenario, receiving risk management data regarding at least one risk management service secured by the user, associating the risk management service with at least one defensive display element in the gameplay scenario, and providing the defensible position display element and each defensive display element to a display to cause the display to visualize the defensible position display element protected by each defensive display element in the gameplay scenario.

Abstract: Embodiments described herein disclose methods and systems for encryption and decryption of data. In some implementations, an encryption and decryption system can protect private information of a user in documents with an artificial reality device. The encryption and decryption system can determine the portion of a document containing private information and encrypt that portion of the document. In some implementations, the encryption and decryption system can receive a document and identify the protected (e.g., encrypted) portion of the document. In some cases, the protected portion of the document can contain a security token that the encryption and decryption system can extract. The system can compare the security token to an authentication token associated with the user and determine whether the security and authentication token match. If the tokens match, the system can decrypt the protected portion of the document and display the decrypted data as a virtual object.

Abstract: Methods, systems, storage media for authentication are described. On the methods includes receiving, at a smart contract on a distributed ledger, a signed authentication challenge. The method includes verifying the identity of the user who signed authentication challenge. The method includes raising an event that indicates that the user has been authenticated; wherein a server listens for events from the smart contract, and associates a session between the browser and the server with the user based on the event.

Abstract: A method and system for improving and automating the identification of homes located in an imminent or current disaster zone and causing an immediate release of funds to residents without requiring the insured member to first submit a claim are disclosed. The system and method are configured to determine whether there is a high likelihood of a disaster event occurring in a region, based on external sources or local device sensors. In response to the disaster event, a smart contract is executed such that funds are expeditiously released via a distributed ledger system to insured members in the first region.

Abstract: The present disclosure is related to a roadside assistance system that may utilize crowdsourcing to collect and monitor user data, such as user input and user behavior, to build a machine learning model. In response to receiving a request for roadside assistance from a driver, the roadside assistance system may utilize the machine learning model to identify a suitable user who may provide the requested roadside assistance within a suitable time, and guide the identified suitable user to a location of the requesting driver to perform the requested roadside service. Furthermore, the roadside assistance system may direct suitable user to supply locations to pick up certain supplies for the requested roadside service. Additionally, the roadside assistance system may utilize crowdsourcing to provide rental vehicles to users.

Abstract: Methods and systems described herein are directed to automatedly detecting a vehicle accident occurrence based on a generated accident suspicion. An accident detection system can retrieve a myriad of information as data relating to a driver or a vehicle of the driver. The retrieved information can be assessed to determine assignment of a suspicion of a vehicle accident occurrence. The suspicion assignment can be based on, with respect to historical insurance data, predetermined thresholds and/or machine learning for the retrieved information. The retrieved information can be verified by auxiliary data remote from the driver or the vehicle of the driver. The accident detection system can verify the suspicion by dispatching one or more notifications to the driver, and in the absence of response, determine whether the suspicion is true via the collection of information for a suspected location of the accident or from individuals associated with the driver.

Abstract: Systems and methods to process overhead imagery received from overhead image sources are described herein. Examples include accessing an aerial image of properties, determining damage estimates, and reserving resources to repair the properties based on the damage estimates. Examples include receiving information describing property damage, determining a cause, and based on the cause, conditionally deploying a unmanned aerial vehicle to perform insurance adjustment activities.

Abstract: A method may include receiving, by a software application that may execute on a mobile device associated with an individual operating a vehicle, operational data associated with operation of the vehicle. The method may also include predicting, by the software application, one or more activities that the individual is expected to perform with respect to operation of the vehicle based at least in part on the operational data, and providing, by the software application via the mobile device, an indication of a recommendation to perform the one or more activities.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to process audio and visual data. One of the methods includes receiving, from a mobile device, image data and audio data, wherein the image data and audio data were obtained within the same time frame. The method includes processing the image data to identify a first set of facts. The method includes processing the audio data to identify a second set of facts. The method includes processing meta-data associated with the image data to identify a third set of facts. The method also includes performing at least one process using the first set of facts, the second set of facts, and the third set of facts.

Abstract: A call center data transfer system includes one or more processors that are configured to receive call data related to information provided by a caller during a first portion of a call with a first customer service representative. The one or more processors are also configured to assign an identifier to the call in response to receipt of an indication that the call should be transferred from the first customer service representative, associate the identifier with the call data in one or more databases, receive the identifier as an input during a second portion of the call with a second customer service representative, and use the identifier to retrieve the call data from the one or more databases. The one or more processors are further configured to display the call data via a display for visualization by the second customer service representative.

Abstract: Systems, methods, and products described herein include a server, which receives a request from a user's electronic client device. The server may query web pages and determine if the web pages comply with the compliance rules. When the web pages do not comply with the compliance rules, the server may generate an analysis report on the web pages and send the analysis report to the user. After the user reviews the report and chooses the trouble web pages, the server sends review alerts to the points of contact, such as the product owners and other stakeholders. The product owner may more easily be able to take proper actions and better manage the websites by refreshing noncompliant or incorrect content. In this way, the systems and methods allow product owners and users to manage and/or curate the content of web pages more systematically and automatically.

Abstract: Chip cards that are protected from unauthorized access to information and instructions stored in the chip card's chip by unauthorized persons using illicit devices that emulate chip readers to interrogate the chips in chip cards and obtain or download confidential data stored in the chips. The chip cards are disabled when not ready to be used, such that the chips cannot be accessed by illicit devices, thus protecting the chip card owner and/or issuer from potential losses.

Abstract: Systems and methods that can automatically and intelligently edit audio signals to correct issues with voices and background noise. Such features may be especially useful as more people decide to work remotely. With remote work, some employees may be multi-tasking, for example by dropping off and picking up their kids while in meetings. Background noise reduction is essential for these remote workers. Using the exemplary systems and methods, remote workers could participate in live calls and/or create recordings while going about their daily chores. In particular, these remote workers would not need to wait until they are back home or in a quieter environment for participating in calls and/or making recordings.

Abstract: A computer may generate a temporary digital wallet containing one or more anonymous payment tokens and transmit the temporary digital wallet to a user device of a user. When the user provides an anonymous payment token of the one or more anonymous payment tokens to a point of sale (POS) system, the computer may receive from the POS system or other systems connected thereto, a request to authorize payment for the anonymous payment token. The request to authorize payment may also include an amount to be paid by the user to the POS system. Using the anonymous payment token, the computer may retrieve a user account and determine that the user account has sufficient funds for the transaction. Based upon the determination that the user account has sufficient funds, the computer may transmit an authorization confirmation back to the POS system or any other system that the authorization request originated from.

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: Systems and methods directing requests to a particular node in a multi-tiered middleware environment are provided. In one embodiment, traffic requests can be dynamically routed to a desired server, and not be load balanced, based on an identification of the client generating the traffic requests.

Abstract: Implementations provide a calendar application for dynamic scheduling and adjustment of events, such as sequential training events. The calendar application is used to specify events that are to occur within a schedule of events, an order in which the events are to occur, and a duration for each event. The calendar application is also used to specify available time periods in which the events may be scheduled. Based on the specified events and available time periods, the events are scheduled into available time periods to generate a calendar, a schedule of the events that preserves the specified order of events. On detecting a change in the inputs, such as a change in the specified events and/or available time periods, the calendar may be automatically updated (in real time with respect to the change) to accommodate the change, while preserving the order and duration of events.

Abstract: A system and a method for a deployable awning that detects impending storms or other weather events and automatically deploys from a structure to extend out and cover vehicles to protect them from damage due to the storm or other weather event. In one embodiment, a method includes determining that an activating event has occurred. The activating event includes a storm or other weather event. Upon determining that the activating event has occurred, the method includes automatically deploying an awning from a stored configuration inside an awning housing to a deployed configuration such that the awning covers a coverage area of a ground surface adjacent to a location where the awning housing is mounted.

Abstract: A computer-implemented method includes identifying behavioral characteristics of a user related to operation of a computing device prior to an online account session. The method includes comparing the behavioral characteristics to a behavioral profile previously developed based on prior behavioral characteristics of the user, and determining an appropriate mark difficulty level based on a variation between the behavioral characteristics and the behavioral profile. The method includes selecting, from a plurality of prompts stored in a prompt database, a prompt that comprises instructions to draw a mark having the appropriate mark difficulty level, where other prompts of the plurality of prompts comprise instructions to draw other marks different from the mark, and providing the prompt to the user as part of a logon process for the online account session.

Abstract: The present invention provides a method and a system utilizing an AI entity for confirming an agreement has been entered between a first entity and a second entity during a verbal communication, capturing the portions of the communication that constitute the elements of an agreement and storing the portions for later verification of the agreement.