Abstract: A method may include receiving, via a processor, an indication that a user is performing one or more activities on a project code. The method may then involve receiving an insurance policy associated with the user and the project code in response to receiving the indication, monitoring the one or more activities performed on the project code by the user, and determining whether the one or more activities correspond to one or more expected activities associated with the insurance policy. The method may also include sending a notification indicative of one or more inconsistent activities to a user device in response to the one or more activities not corresponding to the one or more expected activities.

Abstract: A telematics data marketplace (TDM) computing device including a processor in communication with a memory device is provided. The processor may be configured to: (i) receive registration data from a provider, wherein the registration data includes desired user data sets and an associated purchase price, (ii) retrieve, from the memory device, user data associated with a plurality of users, wherein the user data includes at least telematics data, (iii) match the provider to one or more users of the plurality of users based upon the user data associated with the users matching the desired user data sets of the provider, (iv) prompt the matched users to allow the provider access to the user data for the purchase price, (v) transmit the user data of the matched users to the provider, and (vi) provide the matched users with a reward corresponding to the purchase price of the desired user data set.

Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.

Abstract: A computer implemented method is disclosed for providing a simulated sports league stock exchange associated with a real sports league having a plurality of real teams. The method includes receiving a first dataset including at least a portion of a season schedule associated with the real sports league via a first network-enabled back-end component and receiving a second dataset including real statistics and game results associated with the real sports league via a second network-enabled back-end component. The method further includes determining a first per-share value of a plurality of simulated shares associated with a first real team of the plurality of real teams using the first dataset and the second data set. The method also includes transmitting the first per-share value to a graphical user interface (GUI) via a first network-enabled front-end component.

Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.

Abstract: A computer system includes a memory configured to store instructions and a processor in communication with the memory.

Abstract: Systems and methods for blockchain-based asset authentication are described. The disclosed embodiments leverage the traceability and immutability of blockchains (or distributed ledgers, in general) to enable the authentication and ownership of assets, e.g., luxury goods. In an example, this is achieved by first pairing an authentication chip with a physical product, and writing a transaction correlated with the first pairing to a blockchain. The product being acquired (reacquired) results in the blockchain being updated (e.g., an updated transaction being written to the blockchain) and the (subsequent) owner being provided with a digital passport that can be added to the owner's digital Web3 wallet. The described embodiments advantageously enable digital identities to be associated with physical goods, which adds value for customers making a long-term investment in a luxury good, and promotes sustainability and transparency in manufacturing and retail processes.

Abstract: A method may include receiving, via a processor, an indication that a vehicle is in use, determining that a user of the vehicle is expected to perform an online-platform task, and determining one or more routes to perform the online-platform task. The method may further include determining one or more insurance rates for the one or more routes based on a type of the online-platform task, one or more driving characteristics associated with the user, the one or more routes, or any combination thereof. Additionally, the method may include displaying a visualization indicative of the one or more insurance rates via an electronic display. Furthermore, the method may include receiving a selection of a first insurance rate of the one or more insurance rates that corresponds to a first route of the one or more routes, detecting that the vehicle is deviating from the first route, and adjusting the first insurance rate in response to detecting that the vehicle is deviating from the first route.

Abstract: The system and methods described herein provide a way for writers and publishers to stand behind individual and combined facts in their work by offering a bounty to a person who can supersede their own data in support of the fact's accuracy with better data, as measured by a pre-established fact evaluation guideline. Once sufficiently vetted by this system, facts are added to an apolitical certified fact database. Facts in the certified fact database also have a bounty upon their accuracy, however financial responsibility for the bounty is transferred to the system. Subscribers to the system may then download and use fact contained within the certified fact database to enhance their own work, while benefiting from the enhanced readership, interest and trustworthiness provided by virtue of the bounty.

Abstract: A heuristic engine includes capabilities to collect an unstructured data set, including document image data and correlate the image data with known valid data to detect document fraud. Notifications of fraud detection may include particular signature images, or characteristics of a document image. By feeding back indications of document fraud with correlations to past instances of fraud into the heuristic algorithm, the algorithm may learn and improve in fraud detection accuracy.

Abstract: Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.

Abstract: There is a need for more effective and efficient anomaly detection. This need can be addressed by, for example, solutions for performing/executing graph convolutional anomaly detection. In one example, a method includes identifying related graph database input data associated with a predictive entity; generating related graph feature data for the predictive entity; generating, based on the related graph feature data and using a graph convolutional neural network model, an anomaly detection score for the predictive entity, wherein at least a portion of the graph convolutional neural network model is trained using confirmation feedback data; performing an anomaly confirmation to generate the confirmation feedback data object for the predictive entity, and integrating the confirmation feedback data object for the predictive entity into the confirmation feedback data associated with the graph convolutional anomaly detection.

Abstract: A mobile device initiates automatic action-based product provisioning for rides. The mobile device detects a ride protection trigger and alerts a management server of the detected ride protection trigger. The mobile device also retrieves ride information from a ride application and sends the ride information to the management server. The management server determines a ride action based on the ride protection trigger and the ride information. The management server identifies a product based on the determined ride action and sends the ride information and a request for a dynamic product to a product provisioning server. The product provisioning server generates the dynamic product based on the request and the ride information and sends the generated dynamic product to the management server. The management server may send the dynamic product to the mobile device for display.

Abstract: The present disclosure includes systems and/or methods for receiving historical trading data associated with previously executed trade transactions for a financial instrument by a plurality of candidate invitee users. Trading intentions are received from the candidate invitee users and a score representative of a likelihood of successfully trading the financial instrument is modelled for each candidate invitee user based on inputting into a machine learning model the trading intentions and the historical trading data of each candidate invitee user.

Abstract: The subject of the invention is an insurance claim and/or financial transaction processing system for parametric risk related claims and/or performance warranty related transactions that can be processed using transparency and in a rapid manner wherein the performance or insurance is transacted using sensors and/or analytics. The invention also includes a marketplace where parties can enter or leave, buy or sell, a transaction or transactions associated with an insurance or financial transaction. The system enables aggregation and/or distribution of risk, performance obligations or investments, and aggregation/distribution and/or syndication of insurers or bankers, crowdsourcing/crowdfunding and/or participation of individuals and small groups within the transaction system. The integration of investment, insurance risk conditionalities and performance guarantees within a single exchangeable system is also envisioned. Transaction re-risking and de-risking and associated payments or payouts is also envisioned.

Abstract: A system includes a computing device comprising a memory storing instructions configured to cause a processor to receive: purchase data associated with products purchased by a user, online activity data performed by the user and other users and associated with information pertaining to the products, and vendor information comprising retail sales data, after-market sales data, and product availability associated with the products. The processor determines one or more values of the products based on the purchase data, the online activity data, and the vendor information and whether the purchased products correspond to specialty products based on the purchase data, the online activity data, and the values of the products. The processor may then send a notification to the user comprising an offer for insurance for the products in response to determining the products correspond to specialty products.

Abstract: A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

Abstract: A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).

Abstract: A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.