Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.

Abstract: System and method for automatically calling back a customer via a predictive model determines a plurality of call-back metrics for a plurality of advisor records. The predictive model is applied to call-back data to identify customers that are likely to require a series of call-backs, and automatically generates a preferred call-back to such customers to reduce this risk. The automated call-back may follow termination of an identified customer's inbound call, or at some time after completion of a previous call interaction of the identified customer with an advisor. In the predictive model, a first compilation of call-back metrics record is representative of an overall likelihood of call-backs associated with each advisor record, and a second compilation of the plurality of call-back metrics is representative of a likelihood of call-backs for each of the plurality of products of the enterprise associated with the advisor record.

Abstract: Techniques are described for energy scoring of a monitored property and users of the monitored property. A system provides users with information related to the efficiency of the monitored property and aggregates data over multiple monitored properties. The system computes and outputs a score for a monitored property that reflects efficiency of the property and/or the users of the property. The system may track how that score changes through time, and how it relates to neighboring properties. The score may be expressed as both a number and a percentile.

Abstract: Systems, methods, and storage mediums storing methods of natural capital measurement are described. A region of influence for the area whose natural capital is to be measured is determined and segmented into a plurality of segments. A land assessment model, including a system dynamics model and a spatially explicit model, is generated for the region of influence by training one or more machine learning algorithms to classify land use categories for the segments and to determine statistical relationships between state variables and properties of the segment. A flow sequence for simulating a transport of materials between the plurality of segments is executed to update the land assessment model. Health indicators for the natural capital of the area are generated using the updated land assessment model.

Abstract: Disclosed are systems, methods, and non-transitory computer readable mediums for receiving a location of a mobile device, determining an identity of a user of the mobile device, determining respective proximities of the mobile device to a plurality of devices, receiving statuses of the devices, determining an authorized subset of the devices, generating a list of statuses of the authorized subset for which the user is authorized with the list ordered by priority and a device type having a higher priority than a status, generating maintenance instructions for a portion of the authorized subset, and transmitting the list of statuses and the maintenance instructions to the mobile device.

Abstract: A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device.

Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.

Abstract: In an example, a subject using a user mobile-identification-credential device (UMD) requests vetting by a vetting system, which receives verified subject information associated with a level-n mobile identification credential (MIC-n) that UMD received from a level-n authorizing party system (APS-n). MIC-n is linked to lower level MIC-0 to MIC-(n?1). The vetting system, as level-n relying party system (RPS-n), uses the verified subject information associated with the linked MIC-0 to MIC-n to verify or not verify the identity of the subject, develops an identity profile of the subject, and determines a vetting result of the subject by calculating a composite trust score based on MIC trust values for the multiple levels of MIC. MIC-i (i=1 to n) is linked to MIC-(i?1) which UMD received from APS-(i?1), and APS-i is RPS-(i?1) which verified the identity of the subject using verified subject information associated with MIC-(i?1), such that MIC-0 to MIC-n are linked.

Abstract: A computerized matching system enable users to utilize video clips to promote and/or find a person/people, place, or consumer item. The system is a recommendation service, embodied preferably in a mobile app, suggesting potential matches for its users. These suggestions are based upon the information and data entered by the users in their user profiles, as well as their Ideal Match Criteria (i.e. what it is they are seeking). The suggestions are also based upon algorithms that analyze and learn from available rating history data to make predictions on potential matches, utilizing rating trends of that user (i.e. the prior ratings entered by that user during their usage of the system while viewing other videos) as well as the rating trends of other users who have rated the same videos in a similar manner (herein referred to as Similar Rating Groups, or SRGs).

Abstract: Systems, methods, and apparatuses using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a location of a mobile device; determine an identity of a user of the mobile device, wherein the identity of the user translates to a level of authorization of the user; determine a proximity of the mobile device to a plurality of financial institution devices; receive a status of the plurality of financial institution devices; and transmit, for a subset of the plurality of financial institution devices, the status of the subset of the plurality of financial institution devices to the mobile device.

Abstract: A complex asset analysis operation, comprising: receiving data from a plurality of crowd sourced complex assets; aggregating the data received from the plurality of crowd sourced complex assets; and, performing a complex asset analysis operation based upon the data received from the plurality of crowd sourced devices, the complex asset analysis operation providing an information brokerage function for a community of complex assets by managing shared information from the plurality of crowd sourced complex assets.

Abstract: A system includes a kiosk configured to collect information associated with a traveler. The information includes information from a passport of the traveler, a photograph of the traveler, and travel-related information associated with the traveler. The system also includes a camera configured to obtain an image of the traveler approaching or within a specified portion of a customs/border enforcement area. The system further includes at least one computing device configured to receive the information from the kiosk, provide at least a portion of the information to an external system, and receive a disposition code from the external system. The disposition code identifies whether the traveler is allowed to pass the customs/border enforcement area. The at least one computing device is also configured to receive the image, perform facial recognition to identify the traveler, and provide at least some of the information to an agent associated with the customs/border enforcement area.

Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for controlling access to a property based on smart contract execution. One of the methods includes receiving credential data for a first entity requesting access to a property; in response to receiving the credential data, requesting execution of a smart contract associated with the property by a blockchain network, wherein the smart contract includes instructions to check a current status of a relationship between the first entity and a second entity associated with the property based on the credential data; receiving an execution result of the smart contract from the blockchain network; determining that the first entity is authorized to access the property based at least in part on the execution result; and in response to determining that the first entity authorized to access the property, enabling the first entity to access to the property.

Abstract: In an example, a subject using a user mobile-identification-credential device (UMD) requests vetting by a vetting system, which receives verified part or all of subject information associated with a level-n mobile identification credential (MIC-n) that UMD received from a level-n authorizing party system (APS-n). The MIC-n is linked to lower level MIC-0 to MIC-(n?1). The vetting system, as level-n relying party system (RPS-n), uses the verified subject information associated with the linked MIC-0 to MIC-n to verify or not verify the identity of the subject, develops an identity profile of the subject, and determines a vetting result of the subject. MIC-i (i=1 to n) is linked to MIC-(i?1) which UMD received from APS-(i?1), and the APS-i is RPS-(i?1) which verified the identity of the subject using verified part or all of subject information associated with the MIC-(i?1), such that MIC-0 to MIC-n from level-0 to level-n are linked.

Abstract: A home cost analysis server for identifying one or more hidden home costs may include a processor programmed to receive user input including at least one prospective home. The processor may access a first external database storing metadata associated with a plurality of homes available for purchase, the plurality of homes including the prospective home, and access a second external database storing historical ancillary costs associated with a plurality of homes in a geographic area surrounding the prospective home. The processor may analyze metadata associated with the prospective home and the historical ancillary costs to determine ancillary home costs associated with the prospective home, and cause to be displayed the ancillary home costs at the user computing device using at least one graphical indicator. As a result, the prospective homebuyer may have additional education and insight into the potential costs of owning a home.

Abstract: Techniques are described for energy scoring of a monitored property and users of the monitored property. A system provides users with information related to the efficiency of the monitored property and aggregates data over multiple monitored properties. The system computes and outputs a score for a monitored property that reflects efficiency of the property and/or the users of the property. The system may track how that score changes through time, and how it relates to neighboring properties. The score may be expressed as both a number and a percentile.

Abstract: Methods, systems, and computer program products for providing available rental vehicle options to a user. The system includes a network interface with at least one rental provider computer system. The system receives a rental request for an available rental vehicle. The rental request includes a pick-up location and a drop-off location. In response to receiving the rental request, the system queries a rental store database for a plurality of available rental stores in both the pick-up location and the drop-off location. The system arranges the available rental stores into at least one cluster in the pick-up location and the drop-off location based on a geographical position of the available rental stores. The system selects a particular number of available rental stores within each cluster in both the pick-up location and the drop-off location.

Abstract: A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device.

Abstract: A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device.

Abstract: A system includes a kiosk configured to collect information associated with a traveler. The information includes information from a passport of the traveler, a photograph of the traveler, and travel-related information associated with the traveler. The system also includes a camera configured to obtain an image of the traveler approaching or within a specified portion of a customs/border enforcement area. The system further includes at least one computing device configured to receive the information from the kiosk, provide at least a portion of the information to an external system, and receive a disposition code from the external system. The disposition code identifies whether the traveler is allowed to pass the customs/border enforcement area. The at least one computing device is also configured to receive the image, perform facial recognition to identify the traveler, and provide at least some of the information to an agent associated with the customs/border enforcement area.