Abstract: Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion.

Abstract: A method of a pricing scheme and a bidding process for waste collection services comprising: providing a waste management service, determining a price for the waste collection services, providing a bidding process for a hauler to participate in the waste collection services, and selecting a hauler based on the bidding process.

Abstract: A computer-implemented method includes registering a user device and an internet-of-things (IOT) device for use in a transaction-by-proxy service; collecting behavior-related data associated with a user of the user device and the first IOT device; and using the behavior-related data as part of the transaction-by-proxy service to generate a transaction-by-proxy at the IOT device on behalf of the user of the user device. The computer-implemented method further includes generating a transaction-by-proxy model using the behavior-related data associated with the user and training the transaction-by-proxy model to determine whether to request the transaction-by-proxy.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: The present embodiment provides an assessment education device and method for a debt management capability, the device and method generate an event that causes psychological confusion in rounds on a debt management assessment scenario and provide education contents when a user who is in a psychologically confused state repays the debt, such that individuals attempting to repay the debt can be induced to make rational decisions in a situation in which various debts are nixed and the debt management capability of individuals can be improved.

Abstract: An information processing system includes at least one information processing apparatus. The information processing system includes circuitry that outputs a list of ledger sheet management information items to a terminal apparatus. Each of the ledger sheet management information items is extracted from a ledger sheet recognition result of ledger sheet recognition executed on ledger sheet image data of a ledger sheet. Based on a combination of ledger sheet management information items included in the list of ledger sheet management information items and identified as meeting a certain condition, the circuitry causes the terminal apparatus to display a preview screen including respective preview images of a plurality of ledger sheet images corresponding to the ledger sheet management information items included in the combination of ledger sheet management information items.

Abstract: Embodiments disclosed are directed to an immutable database in a data processing system for tracking a data state of the data processing system using multiple timelines or temporal sequences representing events occurring in the data processing system. The immutable database may maintain a current temporal sequence representing an existing data state of the data processing system and generate alternate temporal sequences representing an alternate data state of the data processing system. The alternate temporal sequence may be used to test retroactive events that are intended to replace or correct events that occurred in the current temporal sequence.

Abstract: A method for automatically determining injury treatment relation to a motor vehicle accident comprises obtaining a plurality of images of a damaged motor vehicle, vehicle data describing the motor vehicle, occupant data describing an occupant who occupied the motor vehicle during the motor vehicle accident, and injury data from an electronic insurance claim associated with the motor vehicle accident, the injury data specifying an injury to the occupant; determining a delta velocity value for the damaged motor vehicle by applying a first machine learning model to the set of images of the damaged motor vehicle and the vehicle data; determining an injury severity score by applying a second machine learning model to the delta velocity value for the damaged motor vehicle, the vehicle data, and the occupant data; and automatically adjudicating the electronic insurance claim.

Abstract: Embodiments provide methods and systems for upgrading an authorization request message in a dual message system format to an upgraded authorization request message in a single message system format without requiring any modifications to existing systems of acquirers and issuers. A transaction processing network computer may upgrade an authorization request message based on a score assigned to the transaction using a machine learning algorithm. The score indicates a likelihood that a final value of the transaction when finalized is same as an initial value of the transaction. If the score is above predetermined threshold, the transaction processing network computer upgrades the authorization request message to a single message system format.

Abstract: A provider institution computing system includes a customer database storing customer information, a network interface circuit structured to enable an exchange of information over a network, and a transaction circuit generating trackable transaction requests.

Abstract: A system and method for recommending portable financial device for a payment transaction is disclosed. The method includes establishing a secure communication session with one or more external APIs during a payment transaction stage and fetching data representative of banking accounts associated with a customer from the one or more external APIs. The method further includes determining one or more transactional parameters associated with the payment transaction stage and generating an optimal score for each of the one or more portable financial devices by using Machine Learning (ML) based transaction model. The method includes identifying best suitable portable financial device with maximum optimal score and recommending the identified best suitable portable financial device for completing the payment transaction stage based on the identification.

Abstract: According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.

Abstract: A computer-implemented method is provided for determining an action with respect to a given portfolio of items for supply chain management. The method includes acquiring, by a hardware processor, a feature vector for supply chain delivery trends, the given portfolio, and a current investment amount. The method further includes determining, by the hardware processor, whether a current supply chain delivery situation is normal or abnormal based on the feature vector. The method also includes performing a risk-avoidance action to reduce the current investment amount and avoid potential supply chain delivery losses, responsive to a determination that the current supply chain delivery situation is abnormal. The method additionally includes performing a risk adaptive action to increase the current investment amount and incur potential supply chain delivery gains by using a distributional reinforcement learning process, responsive to a determination that the current supply chain delivery situation is normal.

Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: A method for rendering results of an audit includes receiving data corresponding to the results of the audit. The data includes an image to be rendered on a display screen of an electronic computing device. The data includes one or more insights derived from the results of the audit. A user of the electronic computing device is identified. The image is rendered on the display screen. One or more insights derived from the results of the audit are rendered on top of the image on the display screen. A content of the one or more insights derived from the results of the audit that are rendered on top of the image on the display screen is dependent upon the identity of the user of the electronic computing device.

Abstract: A system and method are disclosed herein. The system includes one or more processors and a memory having programming instructions stored thereon, which, when executed by the one or more processors, performs operations. The operations include retrieving historical account activity. The operations further include constructing a training data set that includes the historical inflow data, the historical outflow data, and known forecast information from the historical account activity. The operations further include generating a combined prediction model configured to forecast future inflow activity and future outflow activity. The operations further include receiving current inflow activity, current outflow activity, and current balance information for a user.

Abstract: A system and method of evaluating processors by first operating a neural network to receive primary data created by data producing processors, including graphical or audio data, as an input layer, with the neural network configured to predict processor evaluations, then blending processor evaluations derived from the neural network with evaluations obtained from processors requesting the primary data, then taking a modified average of a continuing series of blended evaluations to obtain processor performance evaluations. The processor performance evaluations are then used to match data producing processors with data requesting processors.