Abstract: A computer system and a transaction machine, such as an automated teller machine (ATM), can provide any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine also provides the payor the ability to make a payment at the transaction machine using various modes of payment such as cash, credit card, or cryptocurrency. The transaction machine verifies that the payment matches the user selected amount, and sends a payment notification to the payor.

Abstract: A fraud prevention exchange system is provided for gathering transaction data for centralized review. The system comprises a database for storing transaction data received from participating lenders and a data retrieval and processing engine for receiving transaction data including a first transaction status code and one or more transaction attributes for a pending transaction from a first participating lender; storing the first transaction status code in association with the transaction attribute(s) in the database; receiving a transaction verification request comprising at least one of the transaction attribute(s) from a second, different participating lender; determining one or more risk alerts for the at least one of the transaction attribute(s) based on the first transaction status code and one or more prior transaction status codes previously stored in the database in association with said attribute; and transmit said risk alert(s) to the second participating lender.

Abstract: In one aspect, classifying features and feature conditions of a property represented in digital imagery includes training a characteristic classifier for applying multilayer artificial perception to classifying features represented in a property image into feature classifications, training a condition classifier for applying multilayer artificial perception to classifying a condition of each feature into one of a set of condition qualifiers, accessing digital image(s) of a property, and applying a machine learning analysis model including the characteristic classifier and the condition classifier to the digital image(s) to identify, for each feature represented in the image(s), a feature classification and a condition qualifier.

Abstract: The present invention relates to a method for authenticating vehicle service account transactions, in which an odometer of a vehicle is digitally read and during an authentication process the odometer reading is compared to a previous digital reading of the odometer for determining whether the reading relates to an authenticated vehicle and whether the current reading relative to the previous reading justifies servicing the vehicle.

Abstract: A system and method for generating a graphical user interface for establishing multiparty electronic communication include generating, for interaction with a user, a dashboard for electronic resolution of a claim for a payer portion of a cost of an item. The method also includes 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: 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: A system includes at least one hardware processor and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations including identifying a component of tracked conduct, the component of tracked conduct including a first conduct trigger condition and a reward, the first conduct trigger condition is associated with conduct of a user related to retirement, receiving conduct data associated with the first conduct trigger condition from a first data source, determining, using the conduct data, that the first conduct trigger condition is satisfied, and causing the reward to be provided to the user.

Abstract: A method, a system, and a computer-readable storage medium for blockchain-based data processing are provided. The method comprises: by a node device of a service acceptance platform, receiving service processing application data of a target user; generating a first shared service processing result and a first private service processing result with respect to a target service data processing entity; sending a first transaction to a blockchain for the first transaction to be recorded in a distributed database of the blockchain upon verification of the first transaction by a plurality of node devices associated with the blockchain according to a consensus mechanism; and sending the first private service processing result to the node device of the target service data processing entity, for the node device of the target service data processing entity to generate a second service processing result.

Abstract: Disclosed embodiments include generating invalid insurance claims based on category pairs from a category matrix derived from a set of known valid insurance claims, wherein an individual invalid insurance claim comprises at least one of: (i) a diagnosis code from a first category of a category pair and a procedure code from a second category of the category pair not in the first category or (ii) a procedure code from the first category of the category pair and a diagnosis code from the second category of the category pair not in the first category. Some embodiments also include generating a training dataset comprising (i) valid insurance claims from the set of known valid insurance claims and (ii) the invalid insurance claims; and using the training dataset to train an Artificial Intelligence/Machine Learning Engine to classify insurance claims as valid or invalid.

Abstract: A system to provide a risk relationship life event analytical modeling platform via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing potential risk relationships between the enterprise and a plurality of entities. Each record may include an electronic record identifier, at least one third-party indication associated with an upcoming life event, and a communication address. The server may determine a selected potential risk relationship and retrieve, from the risk relationship data store, the electronic record associated with the selected potential risk relationship. An analytical model may be executed based on the upcoming life event to generate a risk relationship adjustment recommendation for the selected potential risk relationship. The server may then automatically transmit information about the risk relationship adjustment recommendation to the communication address.

Abstract: Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.

Abstract: Pertinent natural language authority documents are translated into corresponding statements in a system of predicate logic which statements are encoded into relations in a programming language. The authority documents are indexed into an electronic database to facilitate subsequent searching. User-entered query terms and/or query terms derived from pertinent prose are obtained, specifying at least one of a tax problem and an accounting problem; based on same, the electronic database is searched to locate applicable authority(ies). A comparison and inference engine executing on at least one hardware processor is activated to apply applicable relations in the programming language to a problem ascertainable from the query, to obtain a conclusion by applying derivation rules in the system of predicate logic. The conclusion is presented to a decision maker.

Abstract: In various embodiments, an apparatus includes a processor and a memory. The memory is communicatively coupled to the processor. The memory stores software instructions that, when executed by the processor, cause the processor to receive a trading order for a particular quantity of a trading product. The trading order specifies that a first portion of the particular quantity is a displayed quantity and that a second portion of the particular quantity is a reserved quantity. The trading order specifies at least one of a decay rule, a decay interval, a decay rate, decay quantity, and one or more conditions. The software instructions, when executed by the processor, cause the processor to cause the reserved quantity to decay based at least in part on at least one of the decay rule, the decay interval, the decay rate, and the decay quantity, and one or more conditions.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. The third party computing system provides the third party customer a user interface to provide a user selected amount that the third party customer plans on depositing at the ATM. The ATM provides the third party customer a user interface to enter a passcode. The ATM provides the third party customer the ability to make a payment at the ATM. The ATM verifies that the payment matches the user selected amount, and sends a payment notification to the third party computing system.

Abstract: Disclosed is a digital mortgage application system including, in some embodiments, a first web application, a second web application, and a digital mortgage application stack including a web server, a digital mortgage application server, and a database server. The first web application is configured to present a borrower graphical user interface (“GUI”) within a web browser on a first client host. The borrower GUI includes a digital mortgage application divided into a number of borrower-fillable sections configured to hold borrower-related information. Some of the sections are configured for optionally automatically filling in one or more portions of the borrower-related information. The second web application is configured to present a lender GUI within a web browser on a second client host. The lender GUI is configured to allow a representative of the lender to review borrower information in one or more digital mortgage applications of one or more borrowers.

Abstract: Embodiments described herein introduce systems and methods of configurable robots for network based processes. An application server may provide a graphical user interface (GUI) including different modular components of virtual robots. The application server may provide quantitative models for virtual robots with a variety of trading styles. A user may be able to create his/her own virtual robot by dragging and dropping different modular components according to the user's requirements. The virtual robots may automatically conduct transactions and manage wealth for the user. The virtual robot may automatically and dynamically perform quantitative analysis, risk management, trading activity, and portfolio management. In addition to creating a customized virtual robot, a user may lease his/her virtual robot and collect payments from the renters. A user may also offer trading signals generated by his/her robots for other users to purchase.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. A third party computer system communicates with the financial institution computer system to register the third party customer and obtain a first passcode associated with the third party customer. The financial institution computer system communicates the passcode and an associated bill amount to the ATM. The ATM accepts and verifies a second passcode received from the third party customer. The ATM communicates with the third party computer system to verify the bill amount. Responsive to receiving the verification, the ATM communicates with the third party user to accept a payment. Upon successfully receiving the payment, and verifying the payment amount, the ATM sends a payment notification to the third party computer system.

Abstract: Disclosed is a computer implemented system for generating assurance related planning process and documents for an entity, the system comprises a computer arrangement having a computing device communicably coupled to plurality of input-and/or output devices to acquire inputs and source data of the entity from a user and a server arrangement communicably coupled to the computer arrangement, wherein the server arrangement comprises at least one processing unit, and at least one memory unit configured to store plurality of processing instruction. Another aspect of the present disclosure discloses a method for generating an audit report assurance related planning process and documents for an entity.

Abstract: The invention relates to a method and system that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.

Abstract: A device receives, from a user device, a request to generate a verification code for a transaction associated with a user of the user device, and receives user profile information associated with a transaction card to be used for the transaction. The device generates a random verification code for the transaction based on the request and the user profile information, and authenticates the random verification code, based on the user profile information, to generate an authenticated random verification code. The device provides the authenticated random verification code to the user device, and receives transaction information, including the authenticated random verification code, from a merchant device associated with the transaction. The device validates the transaction based on the transaction information, and provides, to the merchant device associated with the transaction, information indicating that the transaction is validated.