Abstract: A method and system of delegating control to a surrogate for a primary account holder so that the surrogate can control access to funds in a joint account by a secondary account holder when the primary account holder is unavailable. The surrogate's ability to approve or deny the secondary account holder's requests for funds is limited by rules established by the primary account holder. The system includes a secure management account system that implements communications between the surrogate's personal device, the primary account holder's personal device, the secondary account holder's personal device and the financial institution holding the joint account.

Abstract: Techniques are described for providing delegated access to identity data stored on distributed ledger(s), in which the identity data can include image(s) of physical credential(s) and/or biometric data used to identify individual(s). An application programming interface (API) enables access to the identity data. In some instances, the access is provided to an obfuscated version of the identity data and/or to a hash or other digest of the identity data. The identity data is provided by the API according to the individual's delegation. The individual can specify rules that indicate the particular types of identity data that may be provided and/or used for particular purposes, and/or the particular entities authorized to request the identity data.

Abstract: A computer device and method for managing multiple electronic sensors is provided where a server receives building condition data from a motion sensor, analyzes the received data, and activates (or reconfigures) a camera sensor to capture an image of the inhabitants present within the building; the server then identifies the inhabitant of the building and retrieves profile data associated with the identified inhabitant; the server then, based on the profile data, generates an instruction to modify one or more conditions within the building (e.g., the environmental conditions of the building) and transmits the instruction to one or more devices (e.g., an environmental device) within the building.

Abstract: Systems and methods for mitigating damage caused by hail storms to self-driving motor-vehicles. When a self-driving motor vehicle determines or learns that a hail storm or other severe weather event may be approaching, it may seek cover under a protective structure or some other location where it might not be as exposed to the severe weather event. Depending upon the availability of suitable shelters, the self-driving motor vehicle might, for example, obtain a list of such possible shelters and apply certain factors to develop a priority list as to which shelters to seek. The self-driving motor vehicle may then drive itself to the location and remain there at least for the duration of the hail storm or other event. In some cases, the self-driving motor vehicle may evaluate the adequacy of the protective structure or other location, and may decide to seek a better protective structure or location.

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: Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.

Abstract: The present technology provides a system that enables a user to communicate with one of multiple devices in a network based on context information from another device in the network. The system includes a context manager configured to (1) receive context information from the multiple devices; (2) identify a subject-of-interest based on a user input; (3) determine a set of relevant context information based on the subject-of-interest and the received context information; and (4) transmitting the set of relevant context information to a target device to perform a task associated with the subject-of-interest. The context information managed by the present technology enables a user to conveniently interact with the multiple devices in the network without requiring the user to provide details of his/her instructions.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to provide digital identification. One of these methods includes receiving a request for a digital document from a digital wallet executing on a mobile device. The method includes identifying a digital document provider capable of providing the requested document. The method includes sending the request for the digital document to the identified digital document provider. The method includes receiving, from the digital document provider, information that enables the mobile device to view the digital document and does not enable the computer system to view the digital document.

Abstract: A disaster response management system may include a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving location data from a personal electronic device of a user; sending instructions for selectively displaying, based on the received location data, a list of one or more disaster response items which the user may commit to provide; and receiving a selection of the user committing to provide one of the selectively displayed disaster response items.

Abstract: Embodiments described herein enable a receipt of a first input representative of a risk score for a data type and a plurality of second inputs representative of a plurality of a plurality of setting evaluations of a network-based application; and a presentation of a first polygonal shape based on the first input, a plurality of second polygonal shapes, and a third polygonal shape based on the second inputs such that the first polygonal shape and the second polygonal shapes are concentric with each other and such that the first polygonal shape and the third polygonal shape are presented over the second polygonal shapes. The presentation enables a user to readily visualize a set of areas where the first polygonal shape and the third polygonal shape differ in order to determine how the network-based application is compliant and non-compliant with the first input.

Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.

Abstract: A method and system of providing product-specific information to a user during shopping excursions is disclosed. The user can access a smart shopping assistant application to search for supplemental items that may need to be purchased in order to assemble or implement a desired product. The user can maintain a current home inventory of tools and products through the application to quickly determine whether any of the supplemental items are already in the user's possession. The application can also guide the user from their current location to the location of the required item, as well as present reminders to the user about the supplemental items during their shopping trip to ensure the user returns home with all of the required items.

Abstract: System and methods for pre-fetching data are provided. In one embodiment, an electronic device includes communications circuitry communicatively coupled to a data provider system over a network to obtain streaming data for completion of tasks. The electronic device also includes pre-fetch circuitry that identifies a dead zone in the network; calculates a pre-fetch data size amount based at least in part upon a size of the dead zone; and requests the pre-fetch data size amount of the data, to mitigate lost streaming ability in the dead zone.

Abstract: A computer-implemented method and system for enhancing interaction between a customer using a client computer and a customer service representative of a company using a workstation. A Web session is commenced on a Web site for the client computer of the customer, wherein the Web session includes displaying a first Web page to the customer. A telephonic interaction is commenced between the customer and the customer service representative and a split screen is displayed on the workstation. The split screen including the first Web page and a second Web page, wherein the second Web page is only viewable by the customer service representative. An application is caused to be moved from the second Web page to the first Web page for review and interaction by the customer via the client computer.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server, which automatically manages appointment scheduling. The analytic server receives a customer request to schedule an appointment. The analytic server determines the required data from both customer and service provider for making the appointment. The analytic server retrieves customer data comprising requested service attributes, user preferences, users attributes from internal database and external data source. The analytic server retrieves service providers' data comprising provider service attributes, providers' attributes from internal database and external data sources. The analytic server accesses external data source by web crawling various websites. The analytic server executes an artificial intelligence model to predict user preferences and needs. The analytic server determines potential service providers best matching the customer's input or predicted preferences.

Abstract: Systems, methods, and computer-readable and executable instructions are provided for providing a device agnostic active/active data center. Providing a device agnostic active/active data center can include receiving user communication assigned from a content delivery network (CDN) provider. In addition, providing a device agnostic active/active data center can include determining a designated database for the user communication. Furthermore, providing a device agnostic active/active data center can include assigning a destination address to the designated database for the user communication.

Abstract: A system includes a vehicle system including one or more sensors that to monitor one or more properties related to an operation of a vehicle. The system also includes a processor that receives expected vehicle usage information from an applicant, a database, publicly available sources, or the like and receive a set of data including the one or more properties from the vehicle system. The set of data is associated with the expected vehicle usage information. The processor may then determine a premium base rate based at least in part on the set of data and a risk associated with the applicant and determine a vehicle rate based at least in part of the set of data and a risk associated with the vehicle. The processor may then display a visualization including the premium base rate and the vehicle rate on a display.

Abstract: Systems and methods for compression and/or unification of statistical analysis system (SAS) data is provided. In one embodiment, a request to open a unified and compressed statistical analysis system (SAS) view file is received. The unified and compressed SAS data step view file including: an SAS data step view; compressed payload data to be used in the SAS data step view when decompressed; and a set of metadata describing characteristics of variables of the SAS data step view. Upon receiving the request, the compressed payload data is automatically decompressed, such that compressed payload data is decompressed and usable with the SAS data step view to render the SAS data step view and decompressed payload data on an electronic display of a client or host providing the request.

Abstract: A system and method for providing aural guidance in imaging a document is disclosed. Visually impaired people may have difficulty when imaging a document with a mobile computing device. The system and method may analyze the image of the document in the imaging device, and output one or more aural directions in order for the user to move the document and/or camera for proper imaging of the document. In that regard, those with visual impairments may be assisted in imaging documents using a mobile computing device.

Abstract: Techniques are described for providing dynamically configured speech output, through which text data from a message is presented as speech output through a text-to-speech (TTS) engine that employs a voice profile to provide a machine-generated voice that approximates that of the sender of the message. The sender can also indicate the type of voice they would prefer the TTS engine use to render their text to a recipient, and the voice to be used can be specified in a sender's user profile, as a preference or attribute of the sending user. In some examples, the voice profile to be used can be indicated as metadata included in the message. A voice profile can specify voice attributes such as the tone, pitch, register, timbre, pacing, gender, accent, and so forth. A voice profile can be generated through a machine learning (ML) process.