Abstract: A method and a computing apparatus for managing a portfolio of securities and derivatives are provided. The method includes: identifying a plurality of potential trades based on the portfolio of securities and derivatives; obtaining historical market data that relates to the identified plurality of potential trades; assessing a respective optimal value of each of the at least one security that relates to a corresponding one of the potential trades; and determining trades to be executed from among the identified plurality of potential trades. The assessments of the respective optimal values are based on the obtained historical market data, and also on additional information that relates to each security, using statistical methods. The determination of trades to be executed is based on the corresponding optimal values.

Abstract: A damage prediction system that uses hazard data and/or aerial images to predict future damage and/or estimate existing damage to a structure is described herein. For example, the damage prediction system may use forecasted hazard data to predict future damage or use actual hazard data to estimate existing damage. The damage prediction system may obtain hazard data in which structures were or will be impacted by a hazard. The damage prediction system can then generate a flight plan that causes an aerial vehicle to fly over the impacted parcels and capture images. The damage prediction system can use artificial intelligence to process the images for the purpose of identifying potential damage. The damage prediction system can also use a hazard model, the hazard data, and structure characteristics to generate a damage score. The damage prediction system can then use the processed images and/or damage score to generate a virtual claim.

Abstract: System, apparatuses, computer-implemented methods, and computer-readable media executable by insurance system servers and user computing devices for receiving requests for insurance products are provided. In order to determine one or more factors of the insurance product or policy, the system may use body characteristics of the customer or potential customer, such as height, weight, body mass index, and the like. In some examples, this information may be determined from one or more images provided by the user. For instance, one or more images of the customer or potential customer may be captured and transmitted to the system for processing. Based on the received images, the system may determine various body characteristics of the user and may use that information to determine one or more policy factors for the insurance product or policy, such as premium, coverage, term, type of policy, or the like.

Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

Abstract: An augmented reality (AR) system for generating and displaying a pre-disaster 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 and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.

Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

Abstract: A securitization, exposure, portioning, and exchange platform for enabling the securitization or fixing of quantitative values of asset data parcels, which correspond to external assets, and the exchange of asset data parcels between account systems operating via computers over a network. The security of asset data parcels, which corresponds to their quantitative integrity, is controlled by removing their exposure to changes in their corresponding external assets.

Abstract: An apparatus and a computer implemented method for managing data streams to a terminal device according to peak levels is disclosed. A streaming device (e.g., exchange device) may provide the data streams in response to requests received from the terminal devices. A network device in the communication path between the streaming device and the terminal device may route the data streams.

Abstract: The technology disclosed provides systems and methods that display database objects representing entities, placement channels and workflow status in an insurance or other risk transfer program. Specially coded distribution trees and graphs of nodes represent the overall flow and, optionally, status of placement workflows. Node and edge data generated for display depicts multiple risk placements on behalf of at least one requesting party through intermediaries to responding parties. Line width of edges represents calculated relative size of placements, and pattern, style, and color of edges can depict statuses of the risk placements. Another geo-coded map display also depicts as nodes a requesting party, intermediaries and responding parties, connected by edges that represent communication channels.

Abstract: A computer system receives a first set of information that describes a set of transactions between pairs of user accounts of a service and a second set of information that specifies attribute values for user accounts of the service that are recipient user accounts within the set of transactions. Using the first set of information and the second set of information, the computer system generates an augmented graph model of the transactions and attribute values. By applying modularity maximization to the augmented graph model, the computer system determines a plurality of subsets of recipient user accounts.

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: Methods and systems are presented for providing concurrent data retrieval and risk processing while evaluating a risk source of an online service provider. Upon receiving a request to evaluate the risk source, a risk analysis module may initiate one or more risk evaluation sub-processes to evaluate the risk source. Each risk evaluation sub-process may require different data related to the risk source to perform the evaluation. The risk analysis module may simultaneously retrieve the data related to the risk source and perform the one or more risk evaluation sub-processes such that the risk analysis module may complete a risk evaluation sub-process whenever the data required by the risk evaluation sub-process is made available.

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: 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: A system includes one or more processors configured to receive income-related data, receive an input comprising an image that corresponds to a desired acquisition, access at least one database to identify a cost of the desired acquisition, generate a first purchase plan for the desired acquisition based on the income-related data and the cost, graphically augment the image to generate a graphically-augmented version of the image comprising at least a portion of the image and the purchase plan, and display the graphically-augmented version of the image on a device.

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: A method and system for decentralized transaction management in project resourcing is provided that ensures transparent and decentralized tracking of data across all stakeholders. It also provides ease of compliance for organizations on one hand, and ease of monitoring for the administrators on the other. Multiple beneficiaries and benefactors are registered with a primary administrator. Each beneficiary has a list of projects listed. A benefactor identifies a project which he wants to resource. The benefactor virtually transfers a unit of resource to a secondary administrator, for the identified project and receives credit points in exchange of the units of resource. The benefactor approves transfers of credit points to the identified project of a beneficiary. The beneficiary redeems the required credit points with the resource units. The secondary administrator will also validate the resources received by the beneficiary in exchange for the credit points.

Abstract: Systems for contactless event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A user may capture an image of the generated first interactive user interface displayed by the self-service kiosk using, for instance, an image capture device of a user computing device. The captured image may be displayed by a display of the user computing device and the user may provide user input to the user computing device selecting a displayed option. The user input may be processed and mapped to functionality associated with the self-service kiosk. Based on the mapping, one or more instructions or commands may be generated and transmitted to the self-service kiosk. The self-service kiosk may execute the instructions or commands to execute the requested functionality.

Abstract: There is provided a prediction device that analyzes a chart image indicating price fluctuations of a financial instrument and predicts a future price of the financial instrument, the prediction device including an image acquiring unit that acquires a prediction target image to be a prediction target of the future price, an outputting unit that inputs the prediction target image to a learned model and outputs type data serving as a type of a chart included in the prediction target image from the learned model, and a predicting unit that outputs a predicted value of the future price based on a price after a lapse of a predetermined period from the type data.

Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.