Abstract: Batch-processing of open tabs associated with one or more customers of a merchant is described. User data associated with a user may be identified. Based on the user data, a determination may be made that batch-processing of transactions of the user has been authorized. A tab data structure specific to the user and a merchant may be generated. The tab data structure may store transaction data associated with transaction of the user. Occurrence of an event may be detected, and in response, at least a portion of the transactions stored in the tab data structure may be settled via a batch process. A payment instrument may be authorized for the portion of the transaction.

Abstract: Methods, systems, and computer-readable media, and apparatuses for optimizing policy underwriting and insurance policy coverage are described herein. Insurance information related to a new homeowner insurance policy may be retrieved from one or more insurance system databases. The insurance information may comprise an insurance policy premium. An unrestrained rating plan premium may be determined based on a plurality of premium components. The plurality of premium components may comprise at least one multiplicative factor and at least one additive factor determined from the insurance information. An underwriting score may be determined based on the unrestrained rating plan premium and the insurance policy premium. In response to determining that the underwriting score fails to meet a predetermined underwriting score threshold, the new homeowner insurance policy may be rejected.

Abstract: Facilitating payments for merchants that use multiple payment service providers (PSPs) is described. A first request may be received to establish a first on-file grant, wherein the first request indicates a first PSP used by a merchant. A request to associate a second PSP with the merchant may be received from a merchant device of the merchant, and a group association between the merchant, the first PSP, and the second PSP may be stored. A second request indicating that a transaction will be processed using the second PSP may be received, and, based on the group association, it may be determined that an identifier associated with a user account of a user can be used for the transaction. A second on-file grant may be established, and a response to the second request may be sent to indicate approval to use the identifier for payment of the transaction.

Abstract: A system and method for creating and accessing a bifurcated digital wallet is described. The method comprises of processor implemented steps of authenticating by an authentication server one or more authentication information sent by a user terminal to the authentication server; extracting a first set of information by the authentication server based on the authentication of the authentication information; extracting a second set of information by one or more second servers based on the authentication of the authentication information; collating the first set of information and second set of information and displaying the collated information at the user terminal for processing a transaction.

Abstract: Apparatus and methods for utilizing non-fungible tokens (“NFTs”) for payment redemption and remittances are provided. A payor may use a computer program product to create an NFT. The NFT may include a digital envelope and metadata. The digital envelope may include one or more payment terms as a payment statement and the payment funds. The NFT may be transferred to a digital wallet belonging to a payee. The payee may select an option to redeem the payment funds. The payment funds may be transferred to the payee per the selection.

Abstract: An apparatus for settling a plurality of bundled healthcare invoices. The apparatus can include a communications interface, memory for storing instructions, and a processor coupled to the communications interface and the memory. The processor receives inputs from a plurality of payees associated with one or more medical services provided to a patient. The processor generates a plurality of bundled invoices for each payee based on the inputs. The processor identifies each payor responsible for paying at least a portion of a charge listed in the plurality of bundled invoices. The processor generates a plurality of separate invoices for each identified payor. Each separate invoice can include an amount owed to one or more of the plurality of payees, and the amount can be based on the predetermined plan. The processor transmits the plurality of separate invoices to each identified payor, receives funds, and distributes the funds.

Abstract: A server device configured to provide subsidy information to a client is described. The server device receives, from an employee computing device, employee information for a first employee of an employer. The server device determines, based on the employee information and employer subsidy information provided, an employer contribution to a first set of one or more healthcare plans for the first employee. The server device determines, based on the employee information, a secondary subsidy provided by a secondary entity through a secondary health insurance marketplace for a second set of one or more healthcare plans. The server device generates a graphical user interface that includes each of a graphical indication of the employer contribution and a graphical indication of the secondary subsidy. The server device outputs, for display on a display device operatively connected to the employee computing device, the graphical user interface.

Abstract: Disclosed herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof, for detecting and displaying healthcare outlier data. Some embodiments involve: receiving a claim including a provider, an illness, a treatment, and a risk score based on the illness and the treatment; updating a metric associated with the provider based on the claim; normalizing the metric using the risk score, the illness, and the treatment; determining that the normalized metric is an outlier by: (1) comparing the normalized metric to a threshold and; (2) determining that the normalized metric is associated with a statistically significant number of claims; in response to determining that the normalized metric is an outlier, presenting an indication of the outlier to a user. In some embodiments, the presenting may further include transmitting an alert to user computing device associated with the user.

Abstract: Intelligent application of reserves to transactions is described. In an example, server(s) associated with a payment processing service receives first transaction data associated with a plurality of first transactions, wherein the first transaction data includes indications, for an individual first transaction, of whether a chargeback request occurred and item(s) and a customer associated with the transaction. In an example, the servers process the plurality of first transactions. A predictive model is trained based at least in part on the first transaction data. Second transaction data is received from a POS device of a second merchant associated with a second transaction. A value reflective of a level of risk for the second transaction is determined based on inputting an item or customer associated with the second transaction into the predictive model.

Abstract: Aspects of the subject technology include obtaining a transfer request event associated with a transaction, the transfer request event indicating a request day of week and time of day, and, when the request time of day is past a pre-determined cutoff time, adjusting the request day of week to be a subsequent day. Aspects also include determining, using the transfer request event and based on a machine learning model trained on historical transaction data, a predicted transfer delay for the transaction, obtaining a set of relevant non-transfer days based on a comparison between the historical transaction data and a set of past non-transfer days, and, when one or more non-transfer days from the set of relevant non-transfer days occur within a time period from the request day of week and over the predicted transfer delay, adjusting the predicted transfer delay based on the one or more non-transfer days.

Abstract: The following relates generally to providing insurance for one or more virtual items in a virtual environment. In some embodiments, an insurance server receives a request for insurance for one or more virtual items from a customer. The insurance server then obtains information associated with the one or more virtual items from a virtual environment server, and determines an insurance premium based upon the received information. The following also relates generally to providing backups of virtual items. In some embodiments, a backup server creates backups of virtual items by writing data associated with the virtual item to a data store. The virtual items may be fungible or non-fungible. In some embodiments, the virtual items are periodically backed up.

Abstract: Examples include receiving, at a system, user data related to a user of a plurality of users, the user data including user characteristics associated with the user. The system assigns the user to a group of users based at least in part on the user sharing at least one user characteristic with users in the group of users. The system uses a machine learning model for determining, at least in part, an optimal communication channel through which to send a loan offer to the user, the machine learning model having been trained to determine optimal communication channels for providing loan offers based at least on user data associated with respective users of the group of users. The system sends the loan offer to the user via at least one communication channel selected based at least on the optimal communication channel determined at least in part using the machine learning model.

Abstract: A parallel hybrid model analysis system is provided. The system includes a memory device, and at least one processor coupled thereto. The processor programmed to: store a plurality of models including a first model of a first model type and a second model of a second model type wherein the first model type and the second model type are different; receive at least one data record to be analyzed; execute the first model with the at least one data record as input to receive one or more weight values as output; execute the second model with the at least one data record as input to receive a partial score as output; combine the one or more weight values with the partial score to generate a final score; and analyze the final score to determine if one or more alerts should be electronically transmitted to a user device.

Abstract: Systems and methods for detecting email manipulation using machine learning are disclosed. In some embodiments, a disclosed method includes: receiving, from a computing device, an email assessment request regarding an email address associated with a user; generating feature data based on the email address; computing, using at least one machine learning model, manipulation indication data of the email address based on the feature data; and transmitting, in response to the email assessment request, the manipulation indication data of the email address to the computing device.

Abstract: Briefly, embodiments of a system, method, and article for receiving a request, via a user interface, from a first backend system on a central exchange. The request may be for a determination of a schema for documentation produced by a second backend system on the central exchange. The second backend system may engage in one or more transactions with the first backend system. The first backend system may be integrated with the central exchange. The schema for the documentation generated by the second backend system over the central exchange may be automatically determined. Rules for transactions with the second backend system may be automatically determined. The schema and rules for the second backend system may be automatically combined. The integration package may be automatically generated and deployed within a conversion layer of the first backend system.

Abstract: A server of a first network domain receives an indication container object created in a second network domain. The server identifies, based on the indication container object, a unique identifier, where the unique identifier allows initiation of logging into an account. The server transmits a confirmation code to a user device that is identified based on the unique identifier. Transmitting the confirmation code allows completion of login to the account.

Abstract: A banking pipeline for processing various transactions for multiple financial instruments is disclosed herein. The pipeline may have three distinct interpreters, a transaction interpreter, a rollup interpreter, and a rules interpreter. Different aspects of the transaction may be performed on separate interpreters and each interpreter may perform its aspect of the transaction before the next interpreter begins.

Abstract: A system may include a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, a database, and a driving behaviors analysis server. The driving behaviors analysis server may receive, from the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver based on the driving data. The driving behaviors analysis server may assign a driver safety rating to the driver based on the identification and may determine one or more rated vehicles with safety ratings that correspond to or are similar to the driver safety rating assigned to the driver based on parsing data regarding a plurality of rated vehicles in the database. Further, the driving behaviors analysis server may generate and send a customized recommendation to the driver presenting information regarding the one or more rated vehicles.

Abstract: Methods and systems for determining risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels and autonomous communication levels may further be determined and used with the risk levels to determine a total risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: A network services bridge system including a direct service access (“DSA”) platform is provided. The DSA platform includes a processor configured to receive a request data signal including one or more identifiers, and query a registered services database using the one or more identifiers, where the query returns an identification of a plurality of services for which the one or more identifiers is registered. The processor is also configured to receive, from a first services platform, a first services result signal indicating a result of an application of a first service to the request data signal, receive, from a second services platform, a second services result signal indicating a result of an application of a second service to the request data signal, and transmit a response data signal that includes a consolidated response code indicating whether the authorization process should be completed based on the first and second result signals.