Abstract: Embodiments relate to system for automatically predicting payer response to claims. In an embodiment, the system receives claim data associated with a claim. The system identifies a set of claim features of the claim data, and generates an input vector with at least a portion of the set of claim features. The system applies the input vector to a trained model. A first portion of the neural network is configured to generate an embedding representing the input vector with a lower dimensionality than the input vector. A second portion of the neural network is configured to generate a prediction of whether the claim will be denied based on the embedding. The system provides the prediction for display on a user interface of a user device. The prediction may further include denial reason codes and a response date estimation to indicate if, when, and why a claim will be denied.

Abstract: A network computing system to provide an account management service for guiding user actions and providing users with information to facilitate decision making. In providing the account management services, the network computer system makes predictive determinations about the actions of service providers, in connection with specific actions of individual users.

Abstract: A distributed computing system facilitates automatic loan agreements between syndicate participants. The system includes a blockchain comprising circuitry embodying a plurality of blockchain services. A membership service registers participants to the syndicate, generates a unique identifier for each of the participants, and verifies that a respective entity is a node on the blockchain. An oracle service retrievably stores loan terms templates provided by the participants via a centrally managed entity. A smart contracts service receives financial and/or geo-location data associated with the plurality of syndicate participants. A predictive analytics service uses the data to determine whether a first syndicate participant has an excess of funds and whether a second syndicate participant has a lack of funds. A loan service automatically facilitates a loan agreement between the first participant and the second participant.

Abstract: The invention relates to implementing rules based authentication for credit card transactions. The system and method may involve: receiving a transaction request associated with a card product from a user at a point of sale system; determining an authorization mode for the transaction request based on one or more transaction attributes; executing an authentication rule for the transaction request; transmitting an authentication request via the authorization mode based on the authentication rule; requiring an authorization input from the user responsive to the authentication request; and upon receiving a proper authentication input, verifying the user and proceeding with the transaction request.

Abstract: The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program using mobile devices. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above features optimally using mobile devices.

Abstract: Described herein is an identity network for authenticating a user for a relying party and providing access to the user's credit report. The identity network may receive an unlock request for the digital identity and credit report of a user from a relying party. In response, the identity network may provide an identity provider link for accessing the identity provider application. The user may login to the identity provider application and provide consent for obtaining the user's credit report. The identity provider provides the identity network with verification of the digital identity of the user and the consent response from the user. The identity network can request access from a credit reporting agency and receive a credit report key in response. The identity network can provide the credit report key to the relying party, which can use the key to access the user's credit report from the credit reporting agency.

Abstract: Account allocation and management systems and methods are described. A server generates an interactive web interface on a user device including an account creation tool having user input tools for creating a user-defined first account. The server continually monitors account condition data from among plural financial systems. The server determines a proposed combination including plural second accounts selected from among the financial systems, based on the monitored data and at least one user input indication, where the proposed combination includes optimized account characteristics. The proposed combination including a portion of the optimized characteristics are displayed on the interactive web interface. Responsive to a confirmation from the user device, the user-defined first account is created that includes the plural second accounts. The server, responsive to detecting a change in the monitored data, automatically rebalances one or more among the second accounts in accordance with the detected change.

Abstract: Systems and methods are described for monitoring content consumption. A method may comprise determining, by a device, content accessed by one or more user devices. The method may comprise causing a distributed ledger record to be generated. The distributed ledger record may comprise an indication of the content. The distributed ledger record may be stored on a distributed ledger. The distributed ledger may comprise other records indicating content accessed by a plurality of other devices.

Abstract: Aspects described herein may allow for authentication of smart card usage. A server may receive, from a first computing device associated with a first user, a delegation request to delegate an authority, to a second user, to use a secondary card associated with an account belonging to the first user. The first user may hold a primary card associated with the account and the delegation request comprises one or more limitations on the authority. The server may also receive, via a sensor on the secondary card, first biometric information associated with the second user. The server may authenticate subsequent transaction requests based on the first biometric information and one or more limitations. In this way, the system may provide account holders with the flexibility to authorize other users to use the account while minimizing the risk of being exposed to fraudulent requests.

Abstract: Certain embodiments of the disclosure relate to methods and systems that support automated, targeted polling of consumers via an e-commerce promotions platform for administering e-commerce promotional activities, such as, for example, sweepstakes, contests, giveaways, and/or instant wins.

Abstract: Systems and methods are disclosed for opting-out of targeted advertising in online advertising environments. One method includes receiving an opt-out verification request, the opt-out verification including an IP address of a user device and HTTP header fields of an HTTP request of the user device; determining a geographic area of the user device based on the IP address of the user device; accessing an opt-out database having entries of user devices that opted-out of receiving targeted advertising based on at least one HTTP header field of the HTTP request; determining whether the user device has opted-out of receiving targeted advertising based on the determined geographic area of the user device, the HTTP header fields of the HTTP quest, and the entries of user devices of the opt-out database; and transmitting a verification acknowledgement when the user device is determined to have opted-out of receiving targeted advertising.

Abstract: A method of automatically determining fulfillment of services performed by a first entity, the method including at a management server, determining one or more first entities having one or more service agreement obligations to one or more second entities, and extracting content data from one or more websites and/or servers hosting the one or more websites. The content data includes one or more separate and distinct event datasets, each event dataset being generated by a particular first entity of the one or more first entities. Determining, for each event dataset, whether the event dataset includes an indication of a particular second entity. Determining whether the particular first entity and particular second entity have service agreement specific information, and in response to determining that the particular first entity and particular second entity are indicated in the service agreement specific information, automatically determining that a service agreement obligation has been fulfilled.

Abstract: The present invention is to provide a computer system, and a method and a program for managing an advertising medium that easily identify an advertising medium. The computer system for managing an advertising medium outputs an identification image embedding the identification information of the advertising medium to the advertising medium, analyzes the shot image of the advertising medium outputting the identification image and reads the identification information of the advertising medium, and registers the identification information in a database.

Abstract: Systems and methods for tokenization of social good. A disclosed method includes encoding a smart contract based on a plurality of project parameters for a social impact project, wherein the smart contract includes at least one self-executing code; and issuing a token to a user based on an investment made by the user, wherein issuing the token to the user further comprises recording a first transaction on a blockchain indicating that the user owns the token, wherein each of the at least one self-executing code is configured to record a second transaction on the blockchain based on the plurality of project parameters and data related to progress of the social impact project, wherein each second transaction includes a respective transfer of funds via the token issued to the user.

Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of roof attribute values. A back-end application computer server may receive, from a third-party data source, roof information for a roof of a building associated with a risk relationship. The computer server may then correlate the received roof information with a particular electronic record in the risk relationship data store. A roof attribute value of the particular electronic record may be updated in accordance with the roof information received from the third-party data source, and a predictive analytics engine of the computer server may then calculate a roof risk score associated with the particular electronic record.

Abstract: An artificial intelligence (AI) system that includes a processor configured to execute modules of the AI system. The modules comprise a feature extractor, an adversarial noise generator, a compressor and a classifier. The feature extractor is trained to process input data to extract features of the input data for classification of the input data. The adversarial noise generator is trained to generate noise data for distribution of features of the input data such that a misclassification rate of corrupted features that include the extracted features corrupted with the generated noise data is greater than a misclassification rate of the extracted features. The compressor is configured to compress the extracted features. The compressed features are closer to the extracted features than to the corrupted features. The classifier is trained to classify the compressed features.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes identifying a transaction made with a third party within a set of transactions. A method includes using electronic credentials for a user to login to an account of the user at a third party. A method includes downloading item-level data from a third party that corresponds to an identified transaction in response to logging into a user's account at a third party. Item-level data identifies one or more items within an identified transaction. A method includes displaying a set of transactions to a user. A method includes displaying item-level data for one or more items within an identified transaction to a user in response to receiving input from the user relative to the identified transaction in a displayed set of transactions.

Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.

Abstract: The present disclosure provides a system for utilization of an advertisement fraud data to blacklist or whitelist one or more entities. The system includes a first step of collecting the advertisement fraud data associated with online advertisement and commerce fraud. The system includes another step of creating a blacklist of one or more entities from the collected advertisement fraud data. The system includes another step of blocking the one or more entities present in the created blacklist in real-time. The system includes another step of generating a whitelist of one or more entities from the created blacklist of the one or more entities. The system includes yet another step of optimizing the blacklist of the one or more entities in real-time.

Abstract: Methods, systems, and devices for providing in-flight communication sessions. In some examples, a communication session delivery system may provide network access service or other types of content once a passenger has completed a brand interaction. The brand interaction may be any number of options that a brand partner may require in exchange for access to content. The communication session delivery system may choose from a plurality of reward offers and then display the chosen offers to a passenger. The chosen offers may be selected based on profile information of a passenger and characteristics targeted by a brand partner. The passenger may then choose an offer and perform the required brand interaction. Once the brand interaction has been verified, the passenger may receive the reward associated with the offer.