Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an electronic text document. Identifying a context of the document based on mapping text from the document to entries in a plurality of concept libraries. Determining an intersection between a first entry in a first of the plurality of concept libraries and a second entry in a second of the plurality of concept libraries. Identifying a relationship between at least two concepts included in the document based on the intersection between the first entry and the second entry. Determining an intent of the document based on the context and the relationship between the at least two concepts. Automatically routing the document for further processing based on the determined intent.

Abstract: Systems and methods for using parameters with shortened resource locators to access a resource are provided. A short resource locator is associated with a full resource locator template in a resource locator association datastore. Parameters provided with the short resource locator are used to replace one or more parameter identifiers within a full resource locator template to generate a full resource locator. The full resource locator is used to access a resource.

Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.

Abstract: A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.

Abstract: Methods and systems for locational visualization of financial statements are described. In an example, a method may receive, in a financial institution system, a request to display a record associated with a financial transaction, determine a location of a merchant associated with the financial transaction using merchant information, request, from an online mapping service, a customizable map interface associated with the location of the merchant, receive the customizable map interface, and display the customizable map interface integrated into the record associated with the financial transaction.

Abstract: The present invention provides a system, method, and software for operating a taxi and delivery service using a fleet of autonomously driven vehicles amassed from a plurality of unassociated individuals and providing a graphical user interface for interested parties to register their vehicles for use and for customers to schedule services.

Abstract: A system and method for efficiently transmitting signals from a sensing device to a remote device are disclosed. The sensing device includes at least one sensor for sensing information. The sensed information could be associated with heart activity. The sensing device smooths the sensed signal and then calculates the difference between the smoothed sensed signal and a locally stored baseline signal to determine a differential signal, which can be transmitted as a smaller packet of data than the full sensed signal. The remote device receives information associated with the differential signal and uses a local copy of the baseline signal to reconstruct the original smoothed sensed signal.

Abstract: Predictive mapping technology is used to route a telephone call from a user to a customer service representative. The disclosed technology can use any one or more of the following factors to map a telephone call from a user to a customer service representative: (1) a sentiment score based on a topic of conversation; (2) an experience score of the customer service representative with a topic of conversation; and (3) a performance score of the customer service representative in managing a topic of conversation.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: A system may include a communication device that may enable a user to complete a digital form via a first communication session. The system may include a processor that may determine that the user has not completed the digital form, determine one or more issues associated with the user not completing the digital form based on a progress point associated with the digital form, determine a communication channel to use to follow up with the user regarding the digital form based on a data profile associated with the user, the one or more issues, or both, and establish a second communication session with the user via the communication channel to present the digital form at the progress point, such that the user can continue to complete the digital form using the second communication session.

Abstract: The present disclosure relates to a system, method, and apparatus for managing orders and invoices among customers of a retail merchant. The system allows a first customer to establish trusted links with one or more associated fellow customers, thereby authorizing the fellow customers to add purchases to the first customer's invoice. This allows a primary customer to purchase items for a secondary customer under tightly controlled and well communicated conditions, without extra work from the merchant. The system also uses location aware services on customer's smartphones to provide data that enhances the customers' experiences, by triggering prompts to open and close and invoice. The system also uses location aware services to determine which other customers may be in a related party together.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to detect system problems using social media. One of the method includes monitoring posts on a plurality of social network sites. The method includes identifying posts that include at least one of a plurality of keywords, at least some of the keywords indicative of system problems. The method includes tagging the identified posts. The method includes determining, based on the tagged posts, that a system problem is occurring. The method also includes raising an alert regarding the system problem.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.

Abstract: A method and system of reducing noise associated with telephony-based activities occurring in shared workspaces is provided. An end-user may lower their own voice to a whisper or other less audible or intelligible utterances and submit such low-quality audio signals to an automated speech recognition system via a microphone. The words identified by the automated speech recognition system are provided to a speech synthesizer, and a synthesized audio signal is created artificially that carries the content of the original human-produced utterances. The synthesized audio signal is significantly more audible and intelligible than the original audio signal. The method allows customer support agents to speak at barely audible levels yet be heard clearly by their customers.

Abstract: Disclosed herein are systems and methods capable of performing text exploration on large volume of corpus without prior knowledge in an accurate and efficient manner and may also provide any number of additional or alternative benefits and advantages. In particular, embodiments described herein provide a text exploration executable environment that uses unsupervised machine-learning to assist a human analyst with distilling key emerging themes from a corpus of hundreds or thousands of text files presented in a time series graphical user interface (GUI). A document may be a unit of text under analysis received from a particular data source, such as word-processing documents, paragraphs, sentences, chat sessions, speech-to-text call segments, online texts, social media postings (e.g., Tweets®), and other machine-readable text.

Abstract: The present disclosure relates to monitoring data in and around a vehicle to predict anomalous, e.g., unsafe, road conditions, and using the data to suggest a corrective action to avoid the unsafe road conditions. A computing device receives information indicative of imagery, sound, or vehicle operation via sensors and/or cameras mounted in or near a vehicle. The information may be received via the vehicle itself or via a device. The computing device then determines whether there is an indication of an anomalous road condition. The computing device also receives vehicle operation data extracted from one or more vehicle sensors. The computing device then determines whether there is an indication of unsafe road conditions, and if there is, the computing device may output a notice or alert via a notification system to alert the driver.

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 my 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: Techniques are described for a distributed ledger based interchange system for transferring value between entities. A decentralized and distributed ledger system, such as a blockchain network, may include treasury accounts each associated with an institution that participates in the system. A particular transaction may be submitted for approval based on the votes of the peers in the distributed ledger based interchange system. If at least a threshold number of votes indicate approval, the transaction is approved. A signal may be sent to the institutional systems indicating that accounts of the sending and receiving entities may respectively be debited and credited the value of the transaction. Settlement may occur between the treasury accounts of the sending and receiving institutions on the distributed ledger system, and settlement may be performed in real time with respect to the transaction.

Abstract: The presently disclosed systems and methods receive a search request for information provided in a first field of a first index of a non-relational database cluster and a second field of a second index of the non-relational database cluster. A first database query is performed on the first index based on the first field, and the first database query results may be stored in volatile memory. A second database query is performed on the second index based on the second field, and the second database query results may be stored in the volatile memory. A joined dataset of the first database query results and the second database query results having a joined field corresponding to the first field and the second field is then be generated. The joined dataset is displayed in a user interface.

Abstract: Embodiments disclosed herein may relate to systems and methods for managing work flow data collection for users across a wide area network comprising a diverse set of devices and processes and unifying the work process to be device agnostic. Embodiments disclosed herein may allow a single process having multiple steps to be retrieved and continued across multiple channels and devices with apparent continuity to the end-user. The status of each process step is tracked and the inputs are stored, providing the system with the requisite information when users continue processes on a different channel or device from the original channel or device. The system may host and execute processes that may be presented and manipulated across the various channels and devices, but without requiring engineers and developers to write or otherwise tailor software applications and network configurations to facilitate or allow multi-channel interactions.