Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

Abstract: A system and method for determining how a funds transfer or payment will be made based on user preferences and parameters in a wide area network application. The system includes a back-end server operating the network application and having a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can provide a number of parameters to be selected by the user that are necessary to perform the payment or funds transfer, where the payment or funds transfer can be performed by more than one technique, determine which of the techniques the payment or funds transfer will be performed by based on the parameters that the user selects without the user determining that technique, and cause the payment or funds transfer to be performed by the determined technique.

Abstract: Selection strategies for a direct marketing campaign that identifies consumers from a credit bureau or other consumer database are refined on a stable subset of the credit database. Once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database. The data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers test their campaign. For each consumer in the sampling, the environment allows a client to access and use attributes calculated by the credit bureau and proprietary attributes and data owned by the client. The system allows for a plurality of clients to use the system substantially simultaneously while protecting the privacy and integrity of the client's proprietary data and results.

Abstract: Systems and methods of generating rating indicators for a portfolio of financial assets are described. A machine learning model is trained using a training data set that includes one or more qualitative features and one or more first quantitative features to generate an output predictor of the performance of the portfolio. The qualitative features are converted into quantitative features before being used as input to the machine learning model. Input features are generated for a new portfolio of financial assets whose rating indicator is to be generated, and fed into the trained machine learning model to generate a new output predictor for the new portfolio of financial assets. The rating indicator for the new portfolio of financial assets is determined based at least on the generated new output predictor.

Abstract: In an illustrative embodiment, methods and systems for automatically categorizing a condition of a property characteristic may include obtaining aerial imagery of a geographic region including the property, identifying features of the aerial imagery corresponding to the property characteristic, analyzing the features to determine a property characteristic classification, and analyzing a region of the aerial imagery including the property characteristic to determine a condition classification.

Abstract: Systems and approaches relate to, inter alia, identifying customer opportunities. The systems and approaches may monitor a plurality of routes traversed by a vehicle. The systems and approaches may then access historical route data for the plurality travel routes. The systems and approaches may further calculate a risk index based on the historical route data, and determine at least one customer opportunity based on the calculated risk index.

Abstract: A method, non-transitory computer readable medium, and apparatus that improves automated damage appraisal includes analyzing one or more obtained images of property using a deep neural network with multiple hidden layers of units between an input and output and which has stored knowledge data encoded from one or more stored property damage images to identify the part of the vehicle that has sustained damage. Damage data on an extent of the damage in the identified part of the vehicle is determined using the deep neural network which has stored knowledge data encoded from one or more stored property damage images. The identified generic part of the vehicle is used to obtain a corresponding Part ID Code by using a parts dictionary. Part Qualifier information obtained using VIN information is then used in conjunction with the Part ID to obtain the OEM-specific part and then generate one or more repair lines for the repair estimate.

Abstract: A method for safeguarding data in dynamic relational order management involves receiving a data feed and a dynamic order with various order attributes, including a protected dataset and an unprotected dataset. The protected dataset, containing a request type and a reserve execution threshold, is obfuscated from display on a respondent system. Instructions are transmitted to the respondent system to present a proposal request dataset for executing the dynamic order, comprising the unprotected dataset and the data feed. A proposal response dataset is received from the respondent system, including first and second execution values. Adjusted values are generated based on the received data, and an execution action is performed when the adjusted execution values meet the adjusted reserve execution threshold.

Abstract: Systems and methods are provided for automating property assessment using probable roof loss confidence scores. More particularly, the systems and methods may generate a base-line probable roof loss confidence score based upon buildings, roof, weather, hail, and climate data. The systems and methods may predict a specific event and a set of characteristics of the specific event. The systems and methods may predict a level of roof damage and a cost of roof damage based upon the predicted level of roof damage. The systems and methods may adjust a risk-related factor, and may further adjust policy parameters based upon the risk-related factor. A probable roof loss confidence score may be generated, as well as property insurance claims data or property insurance loss mitigation data based upon probable roof loss confidence score data.

Abstract: Systems and methods provide for a computerized system for quoting home owners insurance and providing a more consultative way of delivering insurance quotes and insurance quote information. The system may present insurance consumers with an automated process of asking questions and receiving feedback. Based on the feedback, the system may provide insurance options and explanations of those options enabling consumers to make a decision that best fits their personal situation. For example, systems and methods are directed to determining and providing a deductible that fits a user based on the user's tolerance for risk and cash position. The system may also provide a description of the types of risks and damages that are covered by particular insurance coverages. The system may also provide an analysis of the insurance obtained by similarly situated individuals. The system may also provide descriptions of insurance features.

Abstract: The disclosure provides an early notification system to alert a driver of an approaching unsafe autonomous or semi-autonomous driving zone so that a driver may switch vehicle to a non-autonomous driving mode and navigate safely through the identified location. In response, to a determination of an upcoming unsafe autonomous or semi-autonomous driving zone, the driver or system may take appropriate actions in response to the early notification.

Abstract: The present embodiments relate to automatic claim value generation. Particularly, the present embodiments include retrieving information from various sources and processing the data to derive an overview of damage to vehicles incurred during a vehicle accident, deriving an estimated value (or “cost”) to rectify the damage, and a client-specific claim value to be presented to the client representing a value to rectify the damage based on a policy corresponding to the client. The present embodiments provide an automated (or “touchless”) claim value payout system to provide a claim value specific to the client and the accident incurred by the client that is performed by a computing device without intervention by an operator.

Abstract: A mobile securities trading platform interface may include a mobile order entry portion, a mobile portfolio view portion, a mobile stock price view portion, an investment education video programming portion (which may also be provided on a non-mobile version of the platform), and a portion for following trades of other users on the platform (which may also be provided on a non-mobile version of the platform).

Abstract: A system and method for establishing multiparty electronic communication include generating, a dashboard for electronic resolution of a healthcare claim for a payer portion of a cost of an item. The method can include calculating, in response to a selection in the dashboard, an estimated user portion of the cost of the item. Further, the method includes establishing a network interface for network communication between a provider of the item and the payer. Additionally, the method includes coordinating, via the network interface, the resolution of the payer portion of the cost of the item. The method also includes updating, in real-time, the dashboard with a status of the resolution of the payer portion of the cost.

Abstract: Various exemplary methods and devices for product dispenser electronic communication with a mobile device are provided. In general, a mobile device can request a secure connection with a product dispenser detected in the proximity of the mobile device. The mobile device can transmit request data to a network cloud server to authorize a mobile payment application executed on the mobile device, and can receive response data from the network cloud server indicating that the payment application has been authorized to process a payment for a product dispensable from the product dispenser. The mobile device and the product dispenser establish a secure connection using a secure key included in the response data, regardless of whether or not the product dispenser has established a connection with a network cloud server.

Abstract: A provider computer system can receive a request for payment of a bill issued by a third party biller. The provider computer system can generate a passcode. Generating the passcode can include transforming data into the passcode. The provider computer system can transmit the passcode. A transaction machine can provide a user interface to receive the passcode. The transaction machine can receive the passcode via the user interface. The transaction machine can transmit a passcode verification request to the provider computer system. The transaction machine can receive a passcode verification message from the provider computer system. The transaction machine can prompt, responsive to receiving the passcode verification message, a third party customer to provide payment for the bill. The transaction machine can receive a payment associated with the bill. The transaction machine can transmit a payment notification to the provider computer system.

Abstract: Disclosed is a method and apparatus for processing an insurance claim. The user first files a claim, and then a drone is dispatched to take a photo of the claimed object at the location corresponding to location information contained in the claim so as to obtain a complete photo required for claim settlement. Then the damage of the claimed object is identified and marked out on the photo. Finally, the complete photo on which the damage has been identified and marked out is uploaded online, and the claimed object is measured and the damage of the claimed object is assessed according to the uploaded complete photo, thus formulating a claim report.

Abstract: A financial education tool includes a body portion, a basin disposed within the body portion, and a receptacle into the body portion. The receptacle is configured to receive physical currency into the basin. The financial awareness tool includes a counter configured to detect receipt of the physical currency into the basin, a display, and a user interface configured to receive a user input from a user. The financial awareness tool includes a processor communicatively coupled to the display and the user interface, where the processor is configured to communicate with a server configured to manage a banking account of the user. The processor is configured to, in response to receiving the user input at the user interface, detecting receipt of the physical currency by the counter, or both, instruct the display to display information relating to the banking account of the user.

Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

Abstract: A computerized system and method may include, in response to receiving a blockchain via a communications network that includes information associated with an event, parsing, by a blockchain parsing engine being executed by a blockchain node, the information to identify a status state of an item related to the event. The blockchain may be inclusive of the information along with the status state of the item may be stored in a storage unit. An event tracking engine may determine from the parsed information that the status state of the item transitioned from a first state to a second state. Responsive to the event tracking engine determining that a qualifying state is satisfied by the item being in the second state, automatically executing, by the blockchain node, a smart code inclusive of initiating communications between a first party and a second party.