Abstract: Systems and methods are described for evaluating and gamifying maintenance for a property by a user. The method may include: (1) retrieving home data for a first property; (2) determining, using a first trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) determining, using a second trained machine learning evaluation model, that one or more additional properties are similar to the first property; (5) retrieving past hazard data associated with a second property of the one or more additional properties; and (6) generating, based upon at least the past hazard data and at least one of the one or more home score factors, a learning module for the first property.

Abstract: Proposed is a digital finite state system and platform and corresponding method thereof, for processing a digital object by object-state triggered processes. The object being capturable by a digital set of defined parameter values comprising at least structural parameter values or state parameter values associated with the object, wherein the digital set of defined parameter values define an initial state and/or set-up of the object, wherein the object is automatedly processed by the digital systems by processing the digital object by a sequence of process steps through which the digital object passes from an initial state to a final state.

Abstract: A method may include: receiving, by a smart contract, a request for a random number and a randomness seed from a user; deploying the request as a transaction that is written on a first block in the decentralized ledger; generating, by an oracle, a plurality of pseudorandom quantum circuits using the randomness seed; providing the plurality of pseudorandom quantum circuits to a quantum randomness source, wherein the quantum randomness source executes the quantum circuits and returns a sequence of random bits to the oracle; writing the sequence of random bits to a new block in the decentralized ledger; hashing the sequence of random bits and a block hash for the new block; and returning the hash of the sequence of random bits and the block hash to the user computer program, wherein the user consumes hash of the sequence of random bits and the block hash.

Abstract: A method and system for improving and automating the processing of claims and payout transactions to enable an immediate release of funds to residents without requiring the insured member to first submit a claim are disclosed. The system and method are configured to determine whether there is a high likelihood of damage to a structure based on embedded sensor data. In response to a detection of damage at the structure, a payout can be automatically generated. In some cases, a smart contract is executed such that funds are expeditiously released via a distributed ledger system to the insured member.

Abstract: Contextual searches may be performed to identify subsets of search results from an organized dataset. Contextual searching may return search results based on a relevance of the results to a query or search terms. Characters may be input by users at a search field that may be used to define context filters for limiting the search results of the organized dataset. Triggering events may be received that may trigger the definition of context filters that may be used to obtain the subsets of search results from the organized dataset. The triggering event may be a delimiter in the character string, for example. The subset of search results may include a subset of tradeable objects that may be traded at an electronic exchange. The subset of search results may continue to be limited based on additional context filters defined from the search input at the search field.

Abstract: In some aspects, the techniques described herein relate to a method including: receiving, at a transaction decisioning platform, a customer pre-approval notification; receiving, at the transaction decisioning platform, a stream of transactions, wherein the transactions are associated with a demand deposit account and the demand deposit account is associated with a customer; receiving, at the transaction decisioning platform, a total finance amount for the customer; applying a transaction eligibility rule to each transaction in the stream of transactions; determining, based on application of the transaction eligibility rule, that one of the transactions from the stream of transactions is eligible for a credit product; determining, based on a customer eligibility variable, that the customer is eligible for the credit product; and including the one of the transactions from the stream of transactions on an eligible transaction list.

Abstract: A computerized-method for identifying synthetic identity fraud operating a financial-activity in a digital financial account, in a Financial Institution (FI), is provided herein. The computerized-method includes building a Machine Learning (ML) model and then implementing the ML model and a synthetic identity identification module in an FI system to evaluate if a financial-activity operated through each account is having a synthetic identity behaviour or a genuine behavior. When a financial-activity is operated through an account, sending the financial-activity to the synthetic identity identification module and operating the synthetic identity identification module and the ML model to provide a calculated synthetic identity fraud score and when the calculated synthetic identity fraud score is above a preconfigured threshold, the financial activity is alerted and the synthetic identity fraud score is sent to an analyst that investigates the financial activity.

Abstract: Methods and systems for enabling a host provider to provide a consumer homeowner with improved maintenance and repair services for items in the home are included under a subscription model that provides the consumer with predictable cost while assuring reliable services. The predictable cost and that presented for acceptance may be modified by interaction with remote data input from potential subscribers in real-time to maximize the amount of actual subscribers.

Abstract: In one embodiment, a method includes displaying, on a user interface of an insurance brokerage accounting system executing on a computing device, (1) an identification of a particular deposit data object in the insurance brokerage accounting system and (2) an interactive element associated with deposit data object; in response to a user interaction with the interactive element, then determining, by the insurance brokerage accounting system and based on the deposit data object, one or more sets of authentication credentials of a plurality of authentication credentials of the brokerage, each set authentication credentials corresponding to a particular secure website of a carrier from which to access a statement of the carrier; and automatically launching, in response to a selection of a particular set of authentication credentials, a particular authentication website corresponding to the selected authentication credentials.

Abstract: A computer-based tool such as computer-implemented methods and systems identify and provide identification of anomalies in insurance claim payments. The computer-based tool receives in memory of a processor, raw claim data from a claim, and reconciles the received raw claim data with at least one entity of a knowledge graph to form reconciled claim data. The tool defines domain specific identities and relationships using the knowledge graph, applies a heuristic rule on the knowledge graph using the reconciled claim data, and creates a prediction of a presence of an anomaly in the reconciled claim data based on the heuristic rule applied to the knowledge graph. Responsive to the prediction of the presence of an anomaly resulting in no anomaly, the tool executes (closes) the claim, or, responsive to the prediction of an anomaly resulting in an anomaly, the tool flags the claim.

Abstract: A computer-implemented method for providing covered parking to vehicles is provided. The method may include transmitting a location identifier of a covered parking location and a communication address of a covered parking location (CPL) computing device to a vehicle computing device and/or an insurance computing device. The method may further include transmitting a signal to the vehicle computing device indicating a number of available parking spots of the covered parking location when the vehicle computing device contacts the CPL computing device, receiving a request from the vehicle computing device to reserve a parking spot of the covered parking location, determining whether to accept the request, and transmitting a response to the vehicle computing device. Accepting the request causes the CPL computing device to permit a vehicle associated with the vehicle computing device access to the covered parking location.

Abstract: A computer-implemented method includes receiving, via processing circuitry, first data indicative of a plurality of views to be included in an application. The plurality of views corresponds to a plurality of user interfaces of the application, and each view of the plurality of views has a respective formatting. The computer-implemented method also includes receiving, via the processing circuitry, second data indicative of one or more data sources for the plurality of views or text to be included in the plurality of views. Additionally, the computer-implemented method includes generating, via the processing circuitry, instances of the plurality of views based on the first data and the second data. The instances of the plurality of views correspond to the plurality user interfaces of the application. Furthermore, the computer-implemented method includes generating, via the processing circuitry, the application. The application includes the instances of the plurality of views.

Abstract: A mobile device can receive a cryptogram from a contactless card, verify the cryptogram, and when the cryptogram has been verified and a merchant mobile application is running on the mobile device, launch a shopping mobile application and/or a shopping browser extension on the mobile device.

Abstract: Aspects of the present disclosure describe a system comprising a computer-readable storage medium storing a program and method for analyzing one or more electronic submissions based on a rule set to generate a risk assessment of an applicant. In particular, some embodiments analyze one or more electronic submissions for an applicant of an insurance policy (or insurance product) based on a rule set (e.g., structured, machine-readable rule set) that describes one or more rules, guidelines, or parameters that codify an insurance carrier's risk appetite. Based on the analysis, various embodiments generate a risk assessment for the applicant, where the risk assessment can include a risk summary, a risk classification, a risk score, a listing of detected risk signals, or some combination thereof for the applicant.

Abstract: A method for providing an application programming interface (API) service that enables a third-party to provide screens that allow account holders to provide credentials to an institution while bypassing the third-party, comprising transmitting an API to a third-party device for integration into a website served by the third-party, the API configured to generate a portal that accepts the credentials without revealing the credentials to the third-party; receiving, via the API integrated into the third-party website, a request for verification of a user; instructing the API integrated into the third-party website to display a screen of the institution within a window through which transmissions can be received directly from the user without the third-party receiving the transmissions; receiving, directly from the user and through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and verifying the user by confirming the user credentials.

Abstract: Aspects of the present disclosure involve a system comprising a computer-readable storage medium storing a program and method for extracting rules and determining risk parameters from an underwriting manual. The program and method provide for receiving an underwriting manual for an insurance carrier, wherein the underwriting manual comprises text describing rules, guidelines and parameters defining a risk appetite of the insurance carrier; processing the underwriting manual using one or more neural network models, the one or more neural network models having been trained with domain-specific data to analyze text across plural underwriting manuals; determining, based on the processing, insurance rules and risk parameters for the text in the underwriting manual; and generating a set of rules based on the insurance rules and risk parameters.

Abstract: In one embodiment, a method includes receiving, at a payment-service-system server, a payment request from a voice-recognition server. The payment request includes a sender identifier, a recipient identifier, and an amount and is received by the payment-service-system server responsive to the voice-recognition server identifying one or more audible payment keywords in an encoded audio file received from a user computing device. The method includes transmitting, by the payment-service-system server, a confirmation request to the user computing device to confirm the payment request. The method includes receiving, at the payment-service-system server, a confirmation of the payment request from the user computing device. The method includes, upon receiving the confirmation of the payment request, automatically debiting the amount from a sender account associated with the sender identifier and crediting the amount to a recipient account associated with the recipient identifier.

Abstract: A computing system can train an injury assistance model to provide individualized injury assistance to users involved in injury events. The system can receive incident data identifying an injury to a user. The system may then initiate the injury assistance model on the incident data to provide individualized injury assistance to the user while the user recovers from the injury.

Abstract: Systems and methods are provided for processing multi-dimensional orders. A data transaction request message is received at a data transaction system. The data transaction request message includes data representative of at least a first function for a first attribute of a commodity and a second function for a second attribute of the commodity. The data transaction system identifies a set of solutions described by the first function and the second function. The set of solutions including values for different variations of the object that the participant who submitted the data transaction request message is willing to offer or receive for the respective variation. The data transaction system attempts to match one or more of the values from the set of solutions to previously received but unsatisfied electronic data transaction request messages counter thereto stored in an order book data structure.

Abstract: A system and method for capturing and processing sensor data, such as aerial images of structures, to assess vehicular damage is disclosed. The system comprises a computing system used to obtain images of selected locations where large groups of vehicles were disposed during a natural or man-made disaster. The images are used to automatically determine a damage score for the vehicles. In addition, the imagery can be fed into a damage classifier that automatically classifies the degree of damage. The system and method may be used to quickly assess damage of vehicles in a disaster area and deploy resources to provide timely and swift assistance.