Abstract: Computer memory management during real-time fraudulent transaction analysis is disclosed. In an embodiment, a method includes receiving a transaction entry and determining whether the transaction entry is potentially fraudulent, including by determining whether the transaction entry is correlated with another transaction entry in the computer memory or an already-identified suspicious pattern of other transaction entries. The method further includes determining whether to evict the transaction entry from the computer memory based on the determination of whether the transaction entry is potentially fraudulent. The method includes providing a result of fraudulent transaction analysis performed using the computer memory that has been optimized.

Abstract: A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with income; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted income values for a selected range of housing costs; converts the predicted income values in the database into percentages of observed income values for a selected group of people within the selected range of housing costs over a specified time period to create indices of financial stress; and rank orders the people within the selected group according to their indices of financial stress.

Abstract: A method for facilitating a transaction may include generating, via a token server computer, a token for use by a first entity computer, wherein the token is generated in response to a request received from the first entity computer. The method may also include transmitting, via the token server computer, the token to the first entity computer, wherein the first entity computer transmits the token to a second entity computer. The method may also include receiving, at the token server computer and from the first entity computer, data indicative of the second entity computer successfully receiving the token. The data may include a hashed value derived from at least the token, data indicative of an identity of the second entity computer, and writing, by the token server computer, the data indicative of the second entity computer successfully receiving the token to a registry.

Abstract: Electronically generated information for facilitating the efficient and effective authorization of a medical procedure, treatment or medicine are provided. The information is specific to a patient's insurance company, medical need and diagnosis. An electronic Database has been configured for analysis by a user such that inputs to the Database result in outputs considered necessary in a preparation and submission for authorization of the medical procedure, treatment or medicine.

Abstract: An application server for automated data transfers and associated methods are disclosed.

Abstract: Embodiments of a security and identity verification system are disclosed. The security and identity verification system may comprise a system that conducts automated identify verification of tax filers and generates electronic alerts to send to tax filers upon filing of a tax form with a tax service provider. The tax fraud alert system may also provide remediation services in coordination with tax service providers in the event a fraudulent form is filed; and/or validate tax identity information and the corresponding good or best tax filer contact information in order to notify the tax filer in a timely manner.

Abstract: A system and a method for transmitting payment card information are provided. The system includes at least one memory including computer program code configured to, with at least one processor, cause the system at least to (i) receive, from a capacitive touch sensor, input signals generated in response to conductive elements of a payment card that is placed on the capacitive touch sensor, the conductive elements disposed on the payment card information present on the payment card, (ii) determine, using th e input signals, an orientation of the payment card that is placed on the capacitive touch sensor, (iii) compare the determined orientation with a reference orientation associated with the payment card, (iv) generate computer-readable payment card information based on the input signals on a condition that the determined orientation corresponds to the reference orientation, and (v) transmit the computer-readable payment card information to a payment processor module.

Abstract: A system and computer-implemented method detect and act upon operator reliance to vehicle alerts. The system and method include receiving user profile data of an operator that includes a baseline of at least one driving activity aided by activation of an alert from a feature of an Advanced Driver Assistance System (ADAS). The system and method may include receiving historical ADAS alert frequency data including a history of at least one driving activity aided by activation of the alert from the ADAS feature. The system and method may compare the user profile data with the historical ADAS alert frequency data, determine a reliance level based upon the comparing, and set at least a portion of an operator profile associated with the operator with the reliance level. As a result, a risk averse driver, and/or proper responsiveness to vehicle alerts may be rewarded with insurance-cost savings, such as increased discounts.