Abstract: Techniques are described for reducing the number of transactions required to perform operations for services that support many-to-many relationships between entities. A one-to-many operation that involves an entity of a first type and multiple entities of a second type may be performed in two asynchronous phases: a one-to-intermediary phase and an intermediary-to-many phase. During the one-to-intermediary phase, a single transaction is performed between the entity of the first type and an intermediary. During the intermediary-to-many phase, a distinct transaction is performed between the intermediary and each of the entities of the second type that are involved in the one-to-many operation. The transaction performed for a particular entity of the second type during the intermediary-to-many phase may aggregate all changes that affect the particular entity, thereby significantly reducing the number of transactions performed by the system.

Abstract: A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.

Abstract: Method and system for buying and selling property tax liens and determining a property tax lien fair secondary market price are disclosed. The system comprises a terminal used to input parameters related to tax lien, a central processing computer calculating tax lien value and applying method based on system parameters and parameters inputted by remote system users, and an interface used to present the determined tax lien value to the users, register a trade of tax lien or a fraction of tax lien, manage or liquidate a property backing the tax lien. In different countries, tax liens or instruments using similar principals are known by different names, including tax deeds, redeemable tax deeds, delinquent property tax certificates, property tax sale certificates, and others. All such instruments are commonly referred to herein as tax liens.

Abstract: A first device may receive, from a second device, a request to approve a transaction wherein the request includes transaction data related to the transaction and an image of a signature of an individual that submitted the request. The first device may determine, after receiving the request, a priority level associated with the transaction based on the transaction data. The first device may process the image of the signature using a computer vision technique and/or a vector-based technique. The first device may select, from a memory storing a plurality of comparator signatures, a comparator signature for the signature based on the priority level. The first device may use the comparator signature to verify the signature to approve or deny the transaction. The first device may perform a comparison of the comparator signature and the signature in the image after processing the image and selecting the comparator signature.

Abstract: An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.

Abstract: When a payment transaction made by a user, a reminder data file is created including reminder items associated with the payment transaction. At least one of the reminder items is an image. Subsequently, a transaction statement listing one or more payment transactions is provided to the user, in a form in which each listed payment transaction is associated with an embedded link to the corresponding reminder data file, which permits the user to access the reminder data file. Thus, a user who is unable to recognize a payment transaction on the transaction statement, can use the statement to access the corresponding reminder items, to provide the user with a reminder of the details of the transaction.

Abstract: Systems and methods are provided for facilitating network transactions based on user authentication. One exemplary method includes, for a network transaction, receiving, at a card device, an authentication command from an issuer of a payment account associated with the card device. A user of the card device is instructed, at an indicator of the card device, to provide a biometric for use in authenticating the user. Biometric data from the user is captured at biometric sensor of the card device, when the user provides the biometric, and the captured biometric data is compared with reference biometric data stored in a memory of the card device. The card device then returns a command reply to the issuer, where the command reply includes an authentication result based on the comparison, thereby permitting the issuer to employ the authentication result of the user in connection with the network transaction.

Abstract: A system is provided for voice activated remittances. The system may perform operations that include receiving at least one audio stream corresponding to a real-time voice communication between a first user and a second user and identifying, based on the at least one audio stream, a set of words. The operation may also include determining that the set of words indicates a desired payment transaction between the first user and the second user and determining a payment amount to be remitted from the first user to the second user. Further the operations may include causing the payment amount to be remitted from a first financial account corresponding to the first user to a second financial account corresponding to the second user.

Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features and paying claims associated with such accidents are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine the occurrence of a vehicle accident, such as a collision. The operating data may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to further determine and make claims payments related to the accident. In some embodiments, claims may be rejected based upon the operating data and determined allocation of fault.

Abstract: Systems, methods, and program products for providing and administering a digital asset network of cooperative nodes with rapid transaction settlements are disclosed.

Abstract: Provided herein are various exemplary systems and methods for secure intelligent networked systems including a random combination generator, a master cloud server communicatively coupled to the random combination generator, the master cloud server having an interactive graphical user interface configured to receive user commands for generating a plurality of virtual machines, the master cloud server automatically identifying an idle virtual machine in the plurality of virtual machines and automatically utilizing the idle virtual machine, and a selected strategy server communicatively couple to the master cloud server, the master cloud server automatically generating decoy first digital data elements interspersed with selected first digital data elements and automatically transmitting the selected first digital data elements interspersed with the decoy first digital data elements to the selected strategy server.

Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.

Abstract: An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.

Abstract: A system and/or method may be provided to assure a payment being made via a user device before the user device fully runs out of battery power. In particular, while a user device is running out of battery power, the system may allow a user to designate a merchant/user/service to which the user may make payments via a user device without user authentication and/or awareness. Under the same situation of low battery power, the system may also allow the user to make payments to a merchant/user/service with which the user frequently shops without user authentication and/or initial awareness. After the payment being made, the system may communicate with the user with further action, which requires no or low consumption of battery power.

Abstract: Operations include generating proposals for accounts payable and accounts receivable netting across multiple trading partners. A netting proposal system uses a machine learning model to generate netting proposals that are likely to be approved by the respective trading partners. The netting proposal system identifies characteristics of attributes of previously accepted netting proposals. Candidate attributes, with the same characteristics of attributes of previously accepted netting proposals, are selected for a new netting proposal. The netting proposal system further identifies characteristics of attributes of previously rejected netting proposals. Candidate attributes, without the same characteristics of attributes of previously rejected netting proposals, are selected for the new netting proposal. Furthermore, candidate attributes, with the same characteristics of attributes of previously rejected netting proposals, are not selected for the new netting proposal.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a payment based on a face recognition are provided. One of the methods includes: acquiring first face image information of a target user; extracting first characteristic information from the first face image information, wherein the first characteristic information includes head posture information of the target user and gaze information of the target user; determining whether the target user has a willingness to pay according to the head posture information of the target user and the gaze information of the target user, including determining whether an angle of rotation in each preset direction is less than an angle threshold and whether a probability value that a user gazes at a payment screen is greater than a probability threshold; and in response to determining that the target user has a willingness to pay, completing a payment operation based on the face recognition.

Abstract: This disclosure sets forth systems and techniques that trace plant provenance and determine a likelihood of plant spoilage within a plant growth operation. Particularly, a plant health monitoring system may monitor and record plant growth data of one or more individual plants during a plant life cycle from germination through to harvest. The plant growth data may include data relating to environmental conditions that surround the individual plants, and plant-specific data drawn from time-lapse images captured during the plant life cycle. A plant grower may use the time-lapse image data to identify changes in plant structure that indicate the degree of health of an individual plant, or the encompassing batch of plants. Further, a plant grower may use the plant growth data to generate one or more financial instruments that may be distributed to one or more financial institutions as support for securing capital to fund the plant growth operation.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: Example embodiments of systems and methods for performing a transaction involving a transmitting device and a receiving device. A state machine may be configured to monitor the data communications, data reads, and data writes performed between the transmitting device and the receiving device. In the event of a disruption during the transaction, the state machine may allow the transaction to resume following the most recent data communication, data read, or data write once the disruption is resolved.

Abstract: This disclosure sets forth systems and techniques that trace plant provenance and determine a likelihood of plant spoilage within a plant growth operation. Particularly, a plant health monitoring system may monitor and record plant growth data of one or more individual plants during a plant life cycle from germination through to harvest. The plant growth data may include data relating to environmental conditions that surround the individual plants, and plant-specific data drawn from time-lapse images captured during the plant life cycle. A plant grower may use the time-lapse image data to identify changes in plant structure that indicate the degree of health of an individual plant, or the encompassing batch of plants. Further, a plant grower may use the plant growth data to generate one or more financial instruments that may be distributed to one or more financial institutions as support for securing capital to fund the plant growth operation.