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.

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

Abstract: Location polygons are defined along traffic lanes and parking spaces to facilitate determination of the location of a vehicle relative to features associated with the location polygons. The location polygons are used, in one application, to identity entrance and exit of a special toll lane along a roadway, and to ensure that the vehicle properly enters and exits the tolling lane.

Abstract: A method for providing pre-data breach monitoring provides information to businesses that is useful to predict portions of the company data that may not be secured well enough and other risks associated with data breaches, such as employees that may not be trustworthy.

Abstract: Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.

Abstract: The present application discloses an information processing method performed at a computing device. The method includes: collecting first information; executing an intent identification task on the first information to obtain an intent identification processing result; executing a slot identification task on the first information according to the intent identification processing result to obtain a slot identification processing result; narrowing a search range according to the slot identification processing result; and performing a database search for the first information within the narrowed search range.

Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding a property, and collect data related to property. A location for an inspection of a property to be conducted by a UAV may be received, and one or more images depicting a view of the location may be displayed via a user interface. Additionally, a geofence boundary may be determined based on an area corresponding to a property boundary, where the geofence boundary represents a geospatial boundary in which to limit flight of the UAV. Furthermore, a navigation route may be determined which corresponds to the geofence boundary for inspection of the property by the UAV, the navigation route having waypoints, each waypoint indicating a location for the UAV to obtain drone data. The UAV may be directed around the property using the determined navigation route.

Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.

Abstract: A method, apparatus, system, and computer program for verifying benefit information for an employer-provided benefit plan. A computer system verifies employee enrollments in the benefit plan. Verifying employee enrollments includes receiving an employee identifier in a first panel of a graphical user interface, identifying an employee associated with the employee identifier, identifying employee enrollments of the employee, and displaying the employee enrollments in the first panel. The computer system verifies plan benefits for the benefit plan. Verifying plan benefits includes receiving a plan identifier in a second panel of the graphical user interface, identifying the plan benefits based on the plan identifier, and displaying the plan benefits in the second panel. The computer system verifies plan membership.

Abstract: A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.

Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums that provide users of a network-based financial account management system with a contextual user interface element, which when activated presents dynamic graphical user interfaces that provide financial account information as well as suggested financial performance improvement actions. Whether or not the contextual user interface is displayed may be based upon one or more of a context of the user, financial account information of the user, and account rules. Additionally, the suggested financial performance improvement actions may also be determined based upon one or more of: a context of the user, financial account information of the user, and account rules.

Abstract: A user device includes a camera configured to capture a series of images of a vehicle and a processor configured to receive a first image of the vehicle from a first viewpoint, classify, for the first image, one or more parts of the vehicle captured in the first image, generate, for the first image, a first graphic indicating the parts of the vehicle being displayed in the first image and a display configured to receive the first image and the first graphic from the processor and display the first image of the vehicle with the first graphic indicating the parts of the vehicle being displayed in the first image.

Abstract: A computer-implemented method and an interactive computer system has a user interface with computer software application tool(s) for retirement planning purposes. The user interface is generally referred to herein as an income dashboard.

Abstract: A system and method for using an augmented intelligence guide system to assist users, customers, members, and other users of a service (for example, a financial service or an insurance service) in completing a task or process to improve the success rate of the accurate completion of the steps necessary to execute the task or process is described. The system includes a process detection module, an experience determination module, an assistance classification module, and a guidance engine.

Abstract: A data analytics system may include a first risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a first risk relationship provider. Similarly, a second risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a second risk relationship provider. A back-end application computer server may include a data mining engine that analyzes a set of electronic records in the first and second risk relationship data stores to identify flags corresponding to risk drivers. A predictive analytics engine may then calculate a risk score associated with the set of electronic records based on the associated entity attribute values and the identified flags corresponding to risk drivers. An insight platform may automatically generate a recommended action for the enterprise to lower the calculated risk score.

Abstract: Improved systems and methods for enhancing the performance of network based computerized content rendering and hosting and providing of devices, systems and/or platforms by modifying the capabilities and providing non-native functionality to such devices, systems and/or platforms through a novel and improved aggregator, data processing and networking framework.