Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may efficiently accomplish tasks by autonomously charging or replacing its power source.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for authenticating a first computing device to access a secure account. Receiving a request from a second computing device to be authorized to access the secure account. Providing, to the second computing, first data that represents a first machine-readable code for presentation by the second computing device. Receiving, from the first computing device, second data that represents a second machine-readable code as read by the first computing device. Authorizing the second computing device to access the secure account in response to determining that the second data accurately represents the first machine-readable code as sent to the second computing device.

Abstract: Embodiments are described herein for document authentication certification using information stored on a distributed ledger such as a blockchain. A distributed ledger may securely store document data describing the document. Use of a distributed ledger may provide an immutable, readily auditable record of the history of the document. Each user participating in the system may be assigned a unique identifier to be used for conducting transactions on the distributed ledger network. A user may also be provided with a digital security token such as a cryptographic key that is useable to authenticate the user and enable access to the document data stored on the distributed ledger(s).

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first user input by a primary device from a primary input device, where the user input is provided by a user to the primary input device that is coupled to a primary device. Receiving second user input provided by the user to a secondary input device that is in communication with the primary device. Determining a user credential based on the first user input and the second user input, where at least one or the first input and the second input includes at least a portion of the user credential. Receiving an indication that the user is authentic based on the user credential, and, in response, enabling the user to further interact with the primary device.

Abstract: Techniques are described for providing a simultaneous, multi-device user experience that employs computing devices with varying capabilities for data input and/or data output, using a microservice-based architecture. A user may register multiple devices with a service, which determines capabilities of the devices for data input and/or output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through device(s) and/or provide output data to be presented on the same or other device(s), where such data input and data output is received and provided according to the input/output capabilities of the various devices. The data input and/or output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously. Interactions with each device may be through a microservice that is associated with the device and/or its device type.

Abstract: The present disclosure relates generally to systems and methods for delivering personalized content to a customer. More specifically, the present disclosure relates to systems and methods for providing notifications related to the needs of a customer. A content management system may determine the needs of a customer as they relate to relevant products and/or services offered by one or more business entities, determine and prioritize actions that may fulfill these needs, and deliver personalized content to the customer based on the customer's information. Accordingly, the systems and techniques provided herein may improve the efficiency and reduce the time involved with delivering effective content to a customer.

Abstract: Methods and systems described in this disclosure describe an integration of video sessions across platforms, transforming the user experience. In some embodiments, a user can participate in an interaction via a channel. Next, the system can determine whether the interaction is eligible for a video session with a representative. When the interaction is eligible for the video session, an option for the video session can be displayed on a user interface of the device. After receiving a request for the video session, the video session can be routed to a uniquely skilled representative, where the uniquely skilled representative is determined based, at least in part, on the interaction.

Abstract: An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.

Abstract: Implementations of the present disclosure include determining that a private transaction is to be recorded in a distributed ledger system (DLS) based on a consensus protocol executed by a set of entities participating in the DLS, the private transaction including a transaction between a subset of entities of the set of entities, providing a set of noisy transactions based on a transaction model, and transmitting data representative of at least a portion of the private transaction, and data representative of each noisy transaction in the set of noisy transactions for recording in the DLS based on the consensus protocol.

Abstract: A tangible, non-transitory machine-readable medium includes machine-readable instructions that, when executed by one or more processors, cause the one or more processors to access user information, generate a cloud representation having a plurality of word clouds with varying levels of emphasis based at least in part on the user information, and output the cloud representation on a display of a computing device. The plurality of word clouds include one or more word clouds, one or more image clouds, or both.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving, by a network device, a request from a computing device to join a network, where the network is segmented to include a provisioning network, a first network segment, and a second network segment, and the second network segment provides limited network access privileges to computing devices compared to network access privileges provided by the first network segment. Providing the computing device access to the provisioning network. Determining, while the computing device is connected to the provisioning network, properties of the computing device. Selecting which of the first network segment and the second network segment to assign access to the computing device based on the properties of the computing device. Providing security credentials to the computing device for accessing the selected one of the first network segment or the second network segment.

Abstract: The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.

Abstract: Techniques are described for routing service requests in a service environment. Received requests received may be analyzed to determine characteristics of each request, including a category of the request, a difficulty of the request, and the individual who submitted the request. A list of pending requests may be presented in a user interface (UI) according to a hierarchical set of filters. A service representative (SR) may select a pending request to handle and, in response, a service session may be initiated between the SR and the individual who submitted the request. Each request may be assigned a point value according to a set of configurable rules, e.g., based on the difficulty of the request, the amount of time it has been pending in the queue of requests, and/or other characteristics. The point value of the request may be added to a score of the SR who handles the request.

Abstract: Various embodiments of the technology described herein alleviate the need to specifically request enrollment information from a user to enroll the user in a passive voice authentication program. The system can receive one or more spoken words from a user. The system can select at least one word from the one or more spoken words to enroll the user into a voice authentication program without requiring further interaction from the user. The voice authentication program selectively enables access to secure data in response to receiving the at least one word spoken by the user. After enrollment of the user into the voice authentication program, at least one word spoken by the user is received, and the user is authenticated based on the at least one word.

Abstract: Techniques are described for analyzing communications sent during a service session to provide (e.g., customer) service on a social media channel, the analysis to determine a quality of service provided during the session. Natural language processing, lexical analysis, pattern matching, or other types of analysis may be used to determine an empathy factor and a conversational factor for communications between a service representative (SR) and a user during a session. The factors may be combined with other factors, such as a timely acknowledgement factor and a timely resolution factor, to generate a response quality index (RQI) for the session. Based on the RQI, feedback information may be generated and sent to the SR. In some implementations, the communications may be analyzed and feedback information sent to the SR in real time during the session, to dynamically improve service quality.

Abstract: Techniques are described for managing transactions requested by a user, such management based on sensor data that generated by sensor device(s) in proximity to the user. Biometric and/or other types of data may be generated using sensors that are included in a user device, worn by a user, and/or otherwise in proximity to the user. The data may be analyzed to determine a current physical, emotional, and/or intellectual state of the user, such as whether the user is intoxicated, exhausted, angry, depressed, under duress, experiencing dementia, and so forth. If a transaction is detected that conflicts with a previously specified constraint, such as a budget or spending rule of the user, and if the user is currently in an impaired state, action(s) may be taken to manage the transaction. Such action(s) may include blocking the transaction, delaying the transaction, and/or notifying another party to assist the user.

Abstract: The present invention provides a vector based awareness matrix or system for mimicking a human driver situational awareness and to control a host autonomous vehicle accordingly.

Abstract: Systems and methods include: receiving informatics data from one or more sensors installed at a first set of one or more properties; aggregating and analyze the informatics data to generate one or more favorability scores based upon the informatics data; based upon the one or more favorability scores, determining a set of one or more insurance policy offers for a target property separate from the first set of one or more properties; and providing the set of one or more insurance policy offers for the target property to an insurance policyholder of the target property.

Abstract: Techniques are described for performing multi-factor authentication of a user during a service session, based at least partly on a code conveyed using an audio file. A code is generated that corresponds to the user and/or their user device. A playback device that is registered to the user can be used to output a playback of an audio file that encodes the code. The playback of the audio file is conveyed through the service session by the user device and received by a backend server, which analyzes the playback of the audio file to extract the code. The user can be authenticated based at least partly on verifying the code that is extracted from the playback of the audio file, by comparing the extracted code to the code that was generated and sent to the playback device.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a digital conversation is described. One of the methods includes guiding a user through a directed conversation having a plurality of flows, each flow including at least one statement to be made by a digital advisor. The method includes receiving user input as part of the directed conversation. The method includes selecting one of the flows based on the received user input. The method also includes storing at least some of the information provided by the user in a data store.