Abstract: An acoustic apparatus and method of determining the composition of a floor, based on the filtered sound waves produced by vibrating the floor is disclosed. The apparatus includes a transducer for generating vibrations and/or sound, as well as microphones for detecting sounds. The apparatus may include two microphones so that ambient noise can be removed from an audio signal.

Abstract: A computer system includes a memory with instructions to receive telematics data regarding a vehicle, analyze the telematics data to determine a low fuel condition based on the fuel of the vehicle violating a predetermined threshold, and determine a location of the vehicle based on at least one of the telematics data. The instructions, in response to determining the low fuel condition, further identify one or more fuel dispensing stations in proximity to the location of the vehicle, provide information related to the one or more fuel dispensing stations to a mobile application displayed to a driver of the vehicle, and determine a scope of fueling permissions associated with the vehicle at the one of the one or more fuel dispensing stations. The instructions also automatically initiate a fueling session at the one of the one or more fuel dispensing stations contingent upon the scope of fueling permission.

Abstract: To enable efficient processing of an insurance claim that is submitted by a client, the presently disclosed embodiments include systems and methods that enable an insurance computing system to autonomously assess the risk of fraud associated with a claim by generating a risk score. The risk score may provide an indication of a likelihood of fraud associated with the claim based on similar insurance claims in the same geographical area, client information indicative of a likelihood to commit fraud, and/or a type of the claim. The insurance computing system may compare the risk score with a threshold number, and if the threshold number is exceeded, the insurance computing system may prompt the client to contact a service representative to further process or validate the claim. Otherwise, if the threshold number is not exceeded, the insurance computing system may continue processing the claim autonomously.

Abstract: The present application is generally directed to a decentralized identity management system that has one or more processors configured to receive a review from a user regarding an entity, determine one or more locations associated with the entity, determine a location associated with the user; and determine a reputation score for the entity based on the review, a location of the one or more locations, and the location associated with the user. Additionally, the one or more processors are configured to cause the reputation score to be recorded on a distributed ledger.

Abstract: A method for grouping of multiple tabs in a web browser includes displaying a plurality of tabs by the web browser. Each tab has separate webpage content associated therewith. Two or more webpages are grouped into at least one category based on semantics of corresponding webpage content. Two or more tabs associated with the two or more grouped webpages are merged into a single tab. The single tab represents the grouped webpages. An aggregated view of contents associated with the grouped webpages is generated and displayed in a single browser window associated with the single tab. The aggregated view has two or more portions. Each portion of the aggregated view concurrently displays content of a corresponding grouped webpage.

Abstract: A method and system of performing an authentication of a person in order to activate a smart card for access to a secured resource is disclosed. The system and method are configured to collect image data and compare the image data to facial model data stored on the smart card. The system detects whether there is a match between the image data and any facial signatures previously collected and stored in the smart card. If there is a match, the system verifies an identity of the person and can be configured to automatically activate the smart card for a limited period of time.

Abstract: Various embodiments of the present disclosure evaluate transcription accuracy. In some implementations, the system normalizes a first transcription of an audio file and a baseline transcription of the audio file. The baseline transcription can be used as an accurate transcription of the audio file. The system can further determine an error rate of the first transcription by aligning each portion of the first transcription with the portion of the baseline transcription, and assigning a label to each portion based on a comparison of the portion of the first transcription with the portion of the baseline transcription.

Abstract: Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.

Abstract: A card with an embedded location tracker that can assist with locating a misplaced, lost, or stolen card is described. The location tracking device is embedded into the material forming the card. Other devices can form a crowdsourced network covering a wide geographic area that may be used to detect signals from the location tracking device of the card using a short-range wireless communication technology. When the card becomes misplaced, lost, or stolen, the card holder or the card issuer may use the embedded location tracking device to determine the current location of the card. In one embodiment, a tamper mechanism may also be provided to disable a chip of the card in response to an attempt to deactivate, destroy, or remove the embedded location tracking device from the card.

Abstract: Techniques are described for performing estimations based on image analysis. In some implementations, one or more images may be received of at least portion(s) of a physical object, such as a vehicle. The image(s) may show damage that has occurred to the portion(s) of the physical object, such as damage caused by an accident. The image(s) may be transmitted to an estimation engine that performs pre-processing operation(s) on the image(s), such as operation(s) to excerpt one or more portion(s) of the image(s) for subsequent analysis. The image(s), and/or the pre-processed image(s), may be provided to an image analysis service, which may analyze the image(s) and return component state information that describes a state (e.g., damage extent) of the portion(s) of the physical object shown in the image(s). Based on the component state information, the estimation engine may determine a cost estimate to repair and/or replace damaged component(s).

Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.

Abstract: Methods and systems for a graduated process of increasing bandwidth and increasing complexity to identify and confirm a location of a target vehicle based on information received from motor vehicles are described. In one embodiment, a method for detection of a target vehicle includes requesting, from one or more remote devices in a geographic area, information associated with a target vehicle. The method also includes receiving, from the one or more remote devices, information associated with the target vehicle. The method further includes determining whether the received information associated with the target vehicle matches the requested information. Upon determining that the received information matches the requested information, the method includes increasing at least one of a bandwidth or a complexity level of the requested information associated with the target vehicle and decreasing the geographic area associated with the request.

Abstract: A system and method for helping a user carrying a smart device to maintain safe distances from other persons during an epidemic or a pandemic. A portable smart device measures the approximate distance to persons in the vicinity of the user, and notifies the user whenever he or she is too close to other persons. The portable smart device may overlay augmented reality graphics (such as arcs, lines, text, numbers, or other graphics) over images captured by the smart device's camera, to indicate safe distances. The graphics serve to inform and/or warn the user that he or she may be getting too close to other persons.

Abstract: A system comprising a plurality of sensor devices configured to acquire data related to a property and a processor configured to receive the data from the plurality of sensor devices and identify one or more hazardous conditions for the property based on the data. The processor is further configured to determine an amount of risk associated with the one or more hazardous conditions and initiate verification operations to confirm the one or more hazardous conditions in response to determining that the amount of risk associated with the one or more hazardous conditions exceeds a first threshold value.

Abstract: A monitor device is configured to monitor a system, such as a utility system and/or appliance. The monitor device includes sensor(s) that measure characteristic(s) of the system, and data storage that stores parameter data that is provided from a remote service. The parameter data includes thresholds, signatures, and/or other information that describes a typical operational state of the system. The monitor device includes software that executes locally to compare current sensor data to the parameter data and determine whether the current operational state of the system is within the bounds of the typical state as defined by the parameter data. In instances where the current state is atypical, indicating a possible problem with the system, a notification can be sent describing the anomaly. The monitor device can also perform other action(s) to correct the problem or mitigate possible damage, and can operate autonomously if a network connection is unavailable.

Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.

Abstract: A property damage assessment system may include a drone including imaging equipment and a controller, which may include a device processor and a non-transitory computer readable medium including instructions to perform the following steps: receiving imagery data, from a first vantage point, of property from the imaging equipment of the drone; making a determination, by analyzing the received imagery data, that there is damage to the property; and based on the determination that there is damage to the property, automatically controlling the drone to obtain additional imagery data of the property, wherein automatically controlling the drone to obtain additional imagery data includes repositioning the drone to obtain a different view of a portion of the property by moving the drone to a second vantage point located a different distance from the property or a second vantage point located at a different angle with respect to the property.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an indication that a vehicle has been in a collision. Receiving vehicle information system (VIS) data from a VIS associated with the vehicle. Determining a component damage probability (CDP) for each of a plurality of components of the vehicle based on the VIS data. Determining estimated costs to replace components having respective CDPs above a threshold value. Providing an estimated total repair cost for the vehicle to a user computing device.

Abstract: A system may include a processor that may detect one or more loan indicators present in banking data or credit data associated with a user. The processor may then retrieve additional data associated with the user in response to detecting the one or more loan indicators, such that the additional data may include data acquired from a home assistant device, a wearable device, a computing device, or any combination thereof. The processor may then determine a loan probability associated with the user based on the banking data, the credit data, and the additional data. The processor may then determine a pre-approval loan amount based on the banking data and the credit data in response to the loan probability exceeding a threshold and automatically send a notification indicative of a pre-approval loan amount to a computing device associated with the user.

Abstract: A user device may obtain access control data which is derived based on a test result or score of a test for assessing a risk of a user of having or developing a contagious illness. The access control data may be communicated from the user device to an access control system in response to a reading of the user device by the access control system. The access control system may permit or deny entry of the user into an area based on the access control data. In some aspects, the user device is an identity (ID) or access badge. In other aspects, the user device is a mobile user device having one or more illness risk factor assessment functions, where the test result or score is obtained based on resulting data from executing the one or more illness risk factor assessment functions.