Abstract: Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.

Abstract: Disclose herein are systems and methods for enabling a payer with an account at a financial institution (e.g., a bank) to send a payment to a payee by submitting, via a financial application of the financial institution, the payee's identifier, where the funds associated with the payment are transferred from a financial account associated with a third-party, remote computer system of a payment service (“PSS”), directly to the payee substantially instantaneously upon the payer's request. The payment request is processed based on communications between a computer system of the financial institution (“financial institution system”), a mobile financial application installed on the payer's mobile device, and the PSS. The PSS identifies the payee's financial account and executes, or triggers execution of, the transfer of funds. The PSS further requests a reimbursement of the payment from the payer's financial account to the financial account associated with the PSS.

Abstract: There are provided systems and methods for reducing account churn rate through intelligent collaborative filtering. A user may utilize an online account with the service provider to perform various actions and generate account usage data, such as usage of various service subcategories of the service provider or different subcategorizations for the user. Based on the current user's usage of services and other subcategorizations of the user, the user may be compared to other past users that have left the service provider utilizing collaborative filtering for matching users and user vectorization. For example, a matrix of the past users may be made based on the number of matching user that fall into the same categorizations. Each row of the matrix may be vectorized and compared to current user. If this comparison indicates potential attrition of the account, a remediation action may be taken.

Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a variety of machine learning models and a base limit value model to generate user interface elements that transparently and efficiently present current and future base limit values for user accounts. For example, the disclosed systems can utilize a machine learning model to determine a base limit value, subsequent base limit value, and user activity conditions to achieve the subsequent base limit value for a user account. Then, the disclosed systems can display a base limit progress element that indicates progress towards fulfilling the user activity conditions to achieve the subsequent base limit value. For example, the disclosed systems can display, within a graphical user interface, multiple base limit progress elements that indicate progress towards fulfilling the user activity conditions in separate time-based segments (e.g.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for agricultural data intelligence. Data from multiple subscribers (growers and marketers) are aggregated to provide market intelligence to the subscribers. Data and insights are presented in a dashboard format that is intuitive and facilitates ease of use. To prevent data leakage, data anonymization and aggregation processes are implemented.

Abstract: An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to r

Abstract: A tool for synthetic order recovery is provided.

Abstract: Key features of these methods, apparatus, and designs include (but are not limited to) innovations and implementations of futures securities; the notion of Type I, Type II, and Type III futures contracts custom tailored to specific clienteles; the notion of tickets and coupons as tradable futures contracts; the notion of bifurcation; the notion of redeemable bundles; and notion of realization of the futures market on the Internet; the apparatus of an Internet-based trading interface and engine; the notion of cookie-cutter futures electronic Internet-based futures markets for each security; the feature of maximal reliance on the Internet; and the business concept of “profitability without the need for high trading volume.

Abstract: Key features of these methods, apparatus, and designs include (but are not limited to) innovations and implementations of futures securities; the notion of Type I, Type II, and Type III futures contracts custom tailored to specific clienteles; the notion of tickets and coupons as tradable futures contracts; the notion of bifurcation; the notion of redeemable bundles; and notion of realization of the futures market on the Internet; the apparatus of an Internet-based trading interface and engine; the notion of cookie-cutter futures electronic Internet-based futures markets for each security; the feature of maximal reliance on the Internet; and the business concept of “profitability without the need for high trading volume.

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. 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: According to at least one aspect, data of a plurality of existing portfolios is accessed that each include time series data of securities and associated weights. At least two existing portfolios are associated with a reference portfolio comprising reference time series data of reference securities and associated reference weights. Portfolio data is determined for at least two existing portfolios by determining, for each of a plurality of securities, difference data based on a difference between the weight of the security for the existing portfolio at a specific time period and a reference weight of the security at the specific time period, and determining a ranking for each of the plurality of securities based on the difference data. An ensemble portfolio is determined, based on the portfolio data and using an ensemble technique, comprising new time series data indicative of a new set of securities and associated new weights.

Abstract: Multifactor authentication systems and methods employ an online payment server processor that authenticates a user in an online session with a merchant website server processor based on data representing one or more predefined authentication factors received from a user device processor over a communication network and sends data representing a secure user login cookie to the user device processor over the communication network based on the authentication of the user in the online session with the merchant website server processor. Thereafter, the online payment server processor authenticates the user in a subsequent online session with the merchant website server processor based in part on identifying the data representing the secure user login cookie on the user device and in part on data representing a second predefined authentication factor received from the user device processor over the communication network.

Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.

Abstract: An approach for establishing and managing network security linkages is disclosed. The linkages may be used to facilitate management of accounts, goals, or resources of one or more entities, or to provide an integrated view of the circumstances of, for example, family members or other interrelated persons. A person receiving assistance with the management of one or more accounts need not disclose authentication credentials to persons helping manage the accounts, enhancing security. Members may view members and access accounts administered by separate computing systems without needing credentials for each member, account, and/or computing system. The multiple accounts (which may be held at multiple institutions) need not be accessed individually by each member of the network security linkage, saving time and computing resources of users.

Abstract: The technology disclosed relates to manipulating and visualizing database objects that represent layers and parts of layers in insurance or other risk transfer programs. Disclosed is graphically creating placement objects, maintaining a database of objects that can be linked in trees, with policy objects linked to respective proposal objects, and coverage objects linked to the proposal objects and the policy objects. A GUI represents a placement using objects, with metadata that describes objects' statuses, with groups of objects properly nested and linked in the database of objects. User selection of a displayed first object and mode control initiates creation of second objects linked to the first object and, opening of a panel that scales the selected first object to fit the panel and allows the user to add nested second objects, by drawing an added object or entering metadata for the added object, with consistent metadata constrained with the nesting.

Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.

Abstract: Provided herein is a modeling computing device including a processor in communication with a memory device. The processor is configured to: (i) retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data, (ii) generate a model that relates the historical liability amount data and the historical user data, (iii) store the model in the at least one memory device, (iv) collect current user data associated with a candidate user, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, and (v) analyze the collected current user data using the generated model.

Abstract: Disclosed are a system and method, also referred to herein as an architecture, for efficiently communicating a high volume of data from a server over an electronic communications network to geographically disperse recipients, where one or more of those recipients may receive a customized version of that data, e.g., content, timing and/or form. As the data is generated, timing information and/or changes to information regarding customizations is incorporated forming a data stream which is communicated to local data publishers (“LDP's”). Upon receipt, the LDP' s extract the data, customization, or timing information and act accordingly when transmitting the received data to the recipients. Customization is applied to update local control databases which specify the customizations for subsequently received data before transmission. By acting on the messages in real time, e.g.

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine and one or more auxiliary devices on the same local network. In particular, the system may assign exclusive control over an automated device and one or more auxiliary devices to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions.

Abstract: The principles and embodiments of the present invention relate to a system for facilitating an interaction between a person (group or sponsor) and a merchant. In some embodiments, a system is provided in which the person electronically institutes a promise to spend a specific amount of money on purchases with the particular merchant in a specific time period and the merchant electronically institutes a savings offer on transactions made using a credit or debit card in exchange for the customer setting aside the predetermined amount of money. The system can comprise an account management system, user interface, first communication system, merchant interface system, second communication system and payment processor that may be dispersed elements or nodes interconnected by communication lines.