Abstract: Systems and methods for automatically restructuring debt are disclosed. An example system may include a data collection circuit to monitor and collect information about at least one entity involved in a loan; and a smart contract circuit to automatically restructure a debt related to the loan based on the monitored and collected information about the at least one entity involved in the loan.

Abstract: Described herein is a network apparatus with secure element and related systems, methods, and apparatuses. A described method includes receiving a request to perform a transaction. The method also includes obtaining confirmation that a network address associated with the request corresponds to a registered physical address. The method further includes obtaining account data and conducting a transaction using the account data.

Abstract: Systems and methods for automatic classification of loan refinancing interactions and outcomes are disclosed. An example system may include a data collection circuit to collect a training set of loan interactions between entities, wherein the training set of loan interactions comprises a set of loan refinancing activities and a set of loan refinancing outcomes; an artificial intelligence circuit to classify the set of loan refinancing activities, wherein the artificial intelligence circuit is trained on the training set of loan interactions; and a robotic process automation circuit to perform a second loan refinancing activity on behalf of a party to a second loan, wherein the robotic process automation circuit is trained on the set of loan refinancing activities and the set of loan refinancing outcomes.

Abstract: An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein.

Abstract: Systems and methods for automatic classification of loan collection actions are disclosed. An example system may include: a data collection circuit to interpret interactions among entities related to at least one transaction of a first set of loans, wherein the at least one transaction involves a first collection action of a set of payments corresponding to the first set of loans; an artificial intelligence circuit to classify the first collection action, wherein the artificial intelligence circuit is trained on the interactions corresponding to the first set of loans; and a robotic process automation circuit that is trained on the interactions and a set of loan collection outcomes corresponding to the first set of loans to implement a second loan collection action on behalf of a party to a second loan.

Abstract: A system and method for transacting cryptographic currency is described. An exchange database associated with a number of buyers and sellers is maintained at a host computer system. Cryptographic currency is received from one or more of the sellers at an exchange wallet associated with the exchange database. A match is created within the exchange database, including a buy offer for the cryptographic currency from a buyer and a sell offer for the cryptographic currency from a seller. A cryptographic currency withdrawal request is received from the buyer, and in response, the host computer system determines that a total amount of cryptographic currency represented in the exchange database matches a total amount of the cryptographic currency within the exchange wallet, transfers the cryptographic currency to the buyer's wallet, and updates the exchange database by deducting a first value of the cryptographic currency that is transferred to the buyer's wallet.

Abstract: Systems and methods for crowdsourcing data collection for condition classification of bond entities are disclosed. An example system may include a crowdsourcing data collection circuit to collect information about entities involved in a set of bond transactions and a training data set of outcomes related to the entities. The example system may include a condition classifying circuit to classify a condition of a set of issuers using the information from the crowdsourcing data collection circuit and a model, where the model is trained using the training data set of outcomes related to the set of issuers. The example system may also include an automated agent circuit to perform an action related to a debt transaction in response to the classified condition of at least one issuer of the set of issuers.

Abstract: The following relates generally to light detection and ranging (LIDAR). In some embodiments, a homeowners insurance quote is produced based upon data received from a LIDAR camera. For instance, in some embodiments, a system: receives light detection and ranging (LIDAR) data generated from one or more LIDAR cameras; analyzes the LIDAR data to determine or identify one or more features or characteristics of a home; and generates an electronic homeowners insurance quote based upon, at least in part, the one or more features or characteristics of the home determined or identified from the LIDAR data.

Abstract: To provide automated categorization of structured textual content individual nodes of textual content, from a document object model encapsulation of the structured textual content, have a multidimensional vector associated with them, where the values of the various dimensions of the multidimensional vector are based on the textual content in the corresponding node, the visual features applied or associated with the textual content of the corresponding node, and positional information of the textual content of the corresponding node. The multidimensional vectors are input to a neighbor-imbuing neural network. The enhanced multidimensional vectors output by the neighbor-imbuing neural network are then be provided to a categorization neural network. The resulting output can be in the form of multidimensional vectors whose dimensionality is proportional to categories into which the structured textual content is to be categorized. A weighted merge takes into account multiple nodes that are grouped together.

Abstract: Systems and methods for automated servicing of a subsidized loan are disclosed. An example system may include a crowdsourcing services circuit to collect information related to a set of entities involved in a set of subsidized loan transactions and a condition classifying circuit including a model and an artificial intelligence services circuit to classify a set of parameters of the set of subsidized loans based on information from the crowdsourcing services circuit, where the model is trained using a training data set of outcomes related to subsidized loans. The example system may further include a smart contract circuit for automatically modifying a term or a condition of the subsidized loan based on the classified set of parameters from the condition classifying circuit.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.

Abstract: A system and method for automated blockchain custody service for managing a set of custodial assets with block chain authenticity verification is disclosed.

Abstract: A computer-implemented method for printing customized 3D medication based on the current user data and one or more medical records of the user. The method obtains current user data via one or more user IoT sensors and accesses one or more medical records of the user. The method further determines a medication design based on the obtained current user data and the accessed one or more medical records of the user and prints a 3D medication based on the determined medication design.

Abstract: Disclosed are a system, method and apparatus for classification of data in a machine learning system. In one aspect, a method for classification of data in a machine learning system through one or more computer processors is disclosed. Further, generating, through one or more computer processors, a data classifier using a first dataset and determining an accuracy value of the data classifier to achieve a predefined model accuracy threshold. Still further, iterating, through one or more computer processors, calibration of the first dataset based on a set of parameters until the accuracy value matches or exceeds the predefined model accuracy threshold value. Further, the calibration comprises a user input to indicate a correctness of a presented subset of data from a second dataset and using the above to generate an enhanced data classifier for the classification of data.

Abstract: Systems and methods are disclosed for detecting a suspicious and/or a non-suspicious activity during an electronic transaction performed by a user device. One method comprises identifying, by a monitoring and detection component, a starting check point in the electronic transaction. The monitoring and detection component may then receive contextual data from one or more sensors of the user device. Based on the contextual data and a machine learning model, the monitoring and detection component may determine whether an expected behavior occurred. Entry of user credentials may be enabled in response to determining that the expected behavior occurred, whereas the electronic transaction may be terminated in response to determining that the expected behavior did not occur.

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

Abstract: A computer-implemented method is provided for identifying potential individuals to contact in a campaign of interest. The method includes receiving campaign data including description about the campaign of interest and information about the potential individuals to contact for the campaign of interest and selecting a plurality of trained machine learning models from a library of trained machine learning models based on the campaign data. The library of trained machine learning models is created from data of historical campaigns administered, and each of the selected plurality of trained models corresponds to a historical campaign that is within a similarity threshold from the campaign of interest. The method also includes scoring a pool of existing customers using the select plurality of trained machine learning models and identifying the potential individuals to contact in the campaign of interest by ranking the existing customers by their corresponding propensity scores.

Abstract: Systems and methods for using social network data to validate a loan guarantee are disclosed. An example system may include a social networking input circuit to interpret a loan guarantee parameter; a social network data collection circuit to collect data using a plurality of algorithms that is configured to monitor social network information about an entity involved in a loan in response to the loan guarantee parameter; and a guarantee validation circuit to validate a guarantee for the loan in response to the monitored social network information.

Abstract: Methods, systems, and apparatuses for block chain security schemes for electronic cash tokens are described herein.

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.