Abstract: Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.

Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device; extracting one or more features from the image; based on the extracted features and using a machine learning algorithm, determining a make and a model of the vehicle; obtaining user information relating to a financing request for the vehicle; determining a real-time quote for the vehicle based on the make, the model, and the user information; and transmitting the real-time quote for display on the client device.

Abstract: Based at least in part on an optimization goal determined for a storage group comprising a plurality of data stores for which writes requests are coordinated by a log-based transaction manager, one or more lifecycle transitions are identified for data objects stored in a first data store. In accordance with a first lifecycle transition, a data object is to be transferred from the first data store to a second data store based at least in part on a duration for which the data object has been resident at the first data store. A transition agent is assigned by a configuration manager to implement the first lifecycle transition.

Abstract: Embodiments include a system providing sensor feedback for property condition monitoring, including: a plurality of sensors disposed in a roof structure of a property; the plurality of sensors providing output indicative of ice formation associated with the roof structure; a hub device that receives output from the plurality of sensors, the hub device detecting at least one sensor output indicative of ice formation and providing a notification regarding the ice formation; a computing device of an insurance carrier that receives the notification, the computing device updating a status of the property in an insurance carrier database in response to the notification; and a communication link between the plurality of sensors, the hub device and the computing device of an insurance carrier. Other aspects are described and claimed.

Abstract: System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message. The client and/or network device may allocate a separate, unused, or under-utilized processing thread to the task of creating pre-marshalled messages. Pre-marshalled messages may be stored in memory at the network device until it is determined that the second condition has been satisfied. Once a pre-marshalled message is sent, the unused pre-marshalled messages that were stored in memory may be deleted or may be overwritten with newly pre-marshalled messages.

Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: determining a location of the client device; receiving an image of a vehicle from the client device; matching, using a machine learning algorithm, the image to one or more images of vehicles in a database, the database listing vehicles located at the determined location and including images of the vehicles; retrieving vehicle information from the database based on the matched one or more images in the database; obtaining user information relating to a financing request for the vehicle; determining a real-time quote for the vehicle based on the vehicle information and user information; and transmitting the real-time quote for display on the client device.

Abstract: A method for processing an image including a vehicle using machine learning can include determining a location of the client device. The method can further include receiving a first image of a vehicle from an image sensor of the client device and matching, using machine learning, the first image to one or more images of vehicles in a vehicle database to identify the vehicle. The vehicle database can list vehicles located at the determined location of the client device and images of the vehicles. The method can include retrieving vehicle information from the vehicle database, based on the identified vehicle, and obtaining comparison information based at least in part on the vehicle information. The method can include estimating a quote for the vehicle based on the comparison information and transmitting the estimated quote for display on the client device.

Abstract: A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may selectively disclose to, or withhold from, trade participants order book data depending on whether each participant's trade order meets a predetermined threshold price and/or threshold size or other criteria.

Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.

Abstract: An improved sports equipment frame includes frame having a main vertical member including an upper end and a lower end, and a plurality of extensions projecting laterally from the main vertical member; and a bowed hanger extending from the main vertical member for draping an article of clothing, the hanger elevationally located between the upper and lower ends of the vertical member. In a preferred embodiment, the sports equipment rack includes pant leg restrainers for suppressing movement of the legs of pants during spray washing, and a headgear support plate having a generally flat upper surface that is larger than the cross sectional area of the vertical member. The sports equipment rack is lightweight, compact and portable, and is suitable for storing, organizing, washing and drying various types of sporting equipment and clothing.

Abstract: Systems, methods, and computer-readable storage media for processing of bail payments and/or bond payments using resources of a money transfer network are disclosed. In an embodiment, a bail payment may be made via a money transfer transaction between a sending party (e.g., a family member or friend of a defendant) and a receiving party (e.g., the court that set the defendant's bail). In an additional or alternative embodiment, a bond payment may made via a money transfer transaction between the sending party and a receiving party (e.g., the bail bondsman entity).

Abstract: Methods for securing financial transactions using dynamic PINs without requiring updates to existing banking cards or existing infrastructure at acquiring institutions. The use of a dynamic PIN may be selectively enabled for a subset of banking cards or for a particular banking card when circumstances require use of the dynamic PIN. A dynamic PIN may be required for performing a financial transaction, such as making an online purchase, if an account associated with a banking card has a particular credit limit greater than a threshold or if a suspicious transaction history has been detected (e.g., large out-of-state purchases have recently been made). A dynamic PIN may be required based on a time of day or location associated with the financial transaction (e.g., if the financial transaction is being initiated within a particular foreign country).

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.

Abstract: The REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS (“P-STATE”) transforms purchase action input, cookie states search criteria input, and cookie states selection input via P-STATE components such as cookie/states storage (“CSS”) component; cookie states search presentation (“CSSP”) component; and cookie/states reload/recreate (“CSRR”) component, into cookie state presentation outputs.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.

Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.

Abstract: A method for data integration in a unified platform includes a processing server that is configured to store account profiles for unified transaction and membership accounts, receive authentication requests from multiple entities, receive a transaction message for a payment transaction from another entity, identify an account profile associated with the authentication requests and payment transaction, process the payment transaction, perform authentication for each of the authentication requests, and electronically transmit results of the transaction processing and authentication to the appropriate entities, such that the processing server provides for a unified platform where data is integrated and used at a plurality of different merchants for a plurality of different services for consumer and merchant convenience.

Abstract: The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g. futures contracts, are transacted or otherwise traded by a hardware matching processor that attempts to match electronic data transaction request messages with electronic data transaction request messages counter thereto for the same one of the data items based on multiple transaction parameters. A selected value is temporarily buffered allowing the represented value to update wherein a subsequently generated transaction may be based on the buffered value rather than an updated value.