Abstract: Systems, apparatus, and methods for providing a promotion to a consumer group are discussed herein. Some embodiments may include a system including circuitry configured to create a group promotion by associating the promotion with a plurality of consumer account records of consumers. For example, the group promotion may be defined by a consumer device. The circuitry may be further configured to determine a group sale threshold for the group promotion, a group sale count indicating a number of the consumers that has purchased and/or agreed to purchase the group promotion, and whether the group sale count satisfies the group sale threshold. In response to determining that the group sale count satisfies the group sale threshold, the circuitry may be configured to associate a group discount value for the group promotion with each of the plurality of consumer accounts records, thereby facilitating network-based consumer device event planning.

Abstract: An information technology platform for personalizing an experience of a visitor at a non-profit venue comprising: a network; a server in communication with the network; a mobile computing device to be carried by a visitor to a non-profit venue, wherein the platform determines personalized information about the visitor and a recommendation engine outputs a suggestion for a personalized experience to the visitor to encourage philanthropic activity related to an ongoing philanthropic campaign; and a machine learning system for learning on a training set of photographic data or video data, the learning to train the machine learning system to predict a sentiment towards the ongoing philanthropic campaign of the visitor based, at least in part, on photographic images or video images that are taken by the visitor, that are shared to the visitor, that are shared by the visitor or that include the visitor as a subject.

Abstract: Systems and methods are disclosed for providing context-aware selection and recommendation of applications and services on a mobile device. The selection of the preferred applications is based on the context of the user and the context of the applications. A comparison engine related to a recommendation module performs a similarity computation between context attribute vectors of the user and the applications. Based on the similarity computation, a rank-order is produced that determines in what order the application icons should be presented to the user. A digital wallet is also disclosed that maintains the reward points awarded to the user as crypto/virtual tokens based on the instant principles. Unlike prevailing techniques, the reward points are awarded in a context-aware manner after reconciling the conflicting or contradictory usage habits of the user.

Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.

Abstract: The present application generally relates to electronic trading systems, and more specifically to systems and methods for electronic trade order routing. Specifically, electronic trade orders may be divided into a first set and a second set. The first set of trade orders are executed with ad hoc execution styles. For the second set, execution style recommendations are generated in a form of a lookup table for the second set of trade orders according to a testing routing strategy. The second set of trade orders are executed with recommended execution styles. A difference between performance metrics among the first set of trade orders and the second set of trade orders is computed. A decision on whether to adopt the recommended execution style is generated based at least in part on the computed difference.

Abstract: A method executed by a computing device includes determining whether baseline content associated with a longevity-contingent instrument is qualified for a proposed a non-fungible token (NFT) for an object distributed ledger. The baseline content includes an obligation provider identifier (ID) and an outcome recipient ID. When the baseline content is qualified, the method further includes determining an exposure level for the NFT and establishing NFT content. The method further includes causing generation of a new block affiliated with the NFT via a blockchain of the object distributed ledger, where the new block includes the NFT content.

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.

Abstract: A method and system of providing a service node within a blockchain network. The method includes storing, in a memory of a processing server, a blockchain comprised of a plurality of blocks, wherein each block is comprised of at least a block header and one or more data values, wherein the one or more data values included in a most recent block includes at least one data point associated with services or functions of at least a first service node; receiving, by a receiving device of the processing server, a request from a second service node for the list of services or functions of the at least a first service node within the blockchain network; and validating, by the processing server, the request from the second service node for the list of services or functions of the at least a first service node within the blockchain network.

Abstract: Another aspect of the invention provides a system for identifying causes of loss from insurance claims data comprising a plurality of unstructured or semi-structured insurance claims data. The system includes: a processor; and computer-readable memory containing instructions to: implement an interface programmed to receive insurance claims data comprising one or more insurance claims; store the insurance claims data in the computer-readable memory; and invoke execution of the method as described herein on the processor.

Abstract: A method, system, and computer readable storage to enable a user to apply for a loan with a dynamic repayment structure. Instead of periodic payments being fixed, the payments can be variable based on a collection rate. The collection rate is determined from historical financial data for the user. For example, the collection rate can be a fixed percentage of all profit for each month. In this manner, the user's monthly payments are more commensurate with their monthly cash flow thereby reducing the default rate.

Abstract: Techniques described herein extract form structures from a static form to facilitate making that static form reflowable. A method described herein includes accessing low-level form elements extracted from a static form. The method includes determining, using a first set of prediction models, second-level form elements based on the low-level form elements. Each second-level form element includes a respective one or more low-level form elements. The method further includes determining, using a second set of prediction models, high-level form elements based on the second-level form elements and the low-level form elements. Each high-level form element includes a respective one or more second-level form elements or low-level form elements. The method further includes generating a reflowable form based on the static form by, for each high-level form element, linking together the respective one or more second-level form elements or low-level form elements.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Abstract: Enrollment of a user using an agent offering insurance products. Audio is received and interpreted with artificial intelligence, and audio responses are generated based on a set of user-specific parameters. Interpreting the audio includes determining at least one vector in multi-dimensional space representing sentiment and tone of the audio from the user interface. Generating the audio responses includes providing user prompting for information relating to underwriter requirements for one or more insurance, or benefits products and services for purchase, and determining eligibility of the user for the one or more products and services based on predefined underwriting requirements having been received from a source of underwriting requirements, and providing relevant one or more insurance, or benefits products and services to be presented via the user interface which are based on the eligibility. The user-specific parameters may be adjusted in response to the at least one vector in multi-dimensional space.

Abstract: The present invention relates to a meal service management system and an operating method therefor, the system being capable of providing information on food ingested by a user to whom a meal service is to be provided and customized information related thereto, and managing food leftover in a meal service. According to an embodiment of the present invention, a scanner device is used such that a user to whom a meal service is to be provided and a food tray before and after meals are identified, and thus a meal service amount and a leftovers food amount are acquired, and leftovers food information of each user and useful information associated therewith are provided on the basis of the same, and thus users can easily determine their eating habits, nutritional status and the like and the users can be induced to attempt reducing leftovers food by themselves.

Abstract: There is disclosed a method and system for performing a transaction between a buyer and a seller. A payment request may be received from a first device associated with the seller. An identifier of a second device associated with the buyer may be determined. Data corresponding to the payment request may be transmitted to the second device. The second device may request that the buyer present a payment card to the second device. Payment card data may be received, where the payment card data was read by an NFC interface of the second device communicating with the payment card. After receiving the payment card data, a request may be transmitted to complete the transaction. A notification of the transaction result may be transmitted to the first device.

Abstract: Systems and methods for automated selection of standing settlement instructions are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor a method for automated selection of standing settlement instructions may include: (1) receiving, from a trading platform, historic trade data for a plurality of customers; (2) training a generic SSI sub-model with the historic trade data for the plurality of customers, resulting in a generic SSI prediction; (3) training a customer-specific SSI sub-model with the historic trade data for one of the customers, resulting in a customer-specific SSI prediction; (4) combining the generic SSI prediction and the customer-specific SSI prediction resulting in a final classification model; (5) receiving a trade to be executed for the customer; (6) applying the final classification model to the trade, resulting in a final SSI selection; and (7) executing the trade using the final SSI selection.

Abstract: A method is described of facilitating targeted content delivery in a network comprising a service provider network (SPN) and a user profile data database external to the SPN. The method comprises: receiving, from a demand side platform, segment definition data comprising a list of user attributes and corresponding user attribute values associated with a targeted content delivery process; and communicating, to a server, the segment definition data, wherein the server has access to the database, to identify one or more candidate users to be targeted based on matching the user attribute values with user attribute values in the database. The method also comprises receiving, from the server, a list of identifiers, wherein each identifier is usable to identify one or more candidate users to be targeted; and communicating the list of identifiers to an entity in the SPN which is responsible for facilitating the delivery of targeted content.

Abstract: A tracking liquidity order and related market center and process are disclosed which allow posting market centers (e.g. exchanges) to fill routable, smaller orders that would have otherwise routed off the posting market center. Such tracking liquidity orders increase the liquidity of that posting market center and allow it to execute more orders internally, without having to route them to an away market center.

Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.

Abstract: A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance rec