Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.

Abstract: A heuristic engine includes capabilities to collect an unstructured data set, including document image data and correlate the image data with known valid data to detect document fraud. Notifications of fraud detection may include particular signature images, or characteristics of a document image. By feeding back indications of document fraud with correlations to past instances of fraud into the heuristic algorithm, the algorithm may learn and improve in fraud detection accuracy.

Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using blockchain technology. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing a block of a blockchain to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.

Abstract: A method of using browsing activity to identify fraudulent online or virtual applications includes receiving a virtual application over one or more radio frequency links, determining an applicant name on the virtual application, determining an IP address of a source computer from which the virtual application originated, determining an online browsing or search history associated with the IP address, determining whether the online browsing or search history indicates recent Internet searches for the applicant name, and, in response to determining that the online browsing or search history does indicate recent Internet searches for the applicant name, flagging the virtual application as fraudulent and generating an electronic alert indicating that the virtual application is fraudulent to facilitate identifying fraudulent virtual applications for goods or services.

Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.

Abstract: A system and method for providing an electrostatic sprayer nozzle assembly for dispensing a fluid in a stream of charged particles. The nozzle assembly includes an interior chamber, a nozzle opening on the rear side for receiving a nozzle therethrough, an electrode within the interior chamber for providing a charge to the fluid particles, and a visor connected to an outer surface configured to redirect lost fluid that collects on the outer surface of the assembly back into the fluid stream.

Abstract: In a computer-implemented method, a digital image of a signed financial instrument or identification card may be received from a financial institution or merchant computing terminal. The digital image may be analyzed to identify a type of financial instrument or identification card, and an originating entity. Expected fields of the instrument or card may be determined based upon the type and the originating entity. The digital image may be analyzed to identify actual fields on the instrument or card, and it may be determined whether the expected fields match the actual fields to determine whether a fraudulent field exists on the signed financial instrument or identification card. If it is determined that no fraudulent field exists, additional operations may be performed to determine whether the instrument or card contains fraudulent characters or content.

Abstract: A system includes a base plate, a stand, an adjustable lighting fixture that overhangs the base plate and is attached to the stand, and a growing container that fits within the base plate. The growing container accommodates a plant growing system. The plant growing system includes a biodegradable outer shell, a rooting media, a fertilizer or nutrient, and a removable lid.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.

Abstract: A system for tracking a fleet of vehicles and analyzing a driver associated with the fleet of vehicles. The system includes a monitoring engine for receiving information from a vehicle-tracking device associated with a vehicle of the fleet. A mapping engine displays, to a user, an icon indicative of an incident on a map. A video repository engine receives video data from a video camera associated with the vehicle and associates an incident video with the icon. A driver analysis engine obtains the incident information associated with a plurality of drivers and analyzes the incident information associated with the driver to generate a driver profile. The driver analysis engine compares the driver with corresponding drivers in the same and other fleets.

Abstract: Systems and methods are described for Distification of 3D imagery. A computing device may obtain a three dimensional (3D) image that defines a 3D point cloud used to generate a two dimensional (2D) image matrix. The 2D image matrix may include 2D matrix point(s), where each 2D matrix point can be associated with a horizontal coordinate and a vertical coordinate. The computing device can generate an output feature vector that includes at least one 2D matrix point of the 2D image matrix, and a 3D point in the 3D point cloud of the 3D image. The 3D point in the 3D point cloud is mapped to a coordinate pair comprised of the horizontal coordinate and the vertical coordinate of the at least one 2D matrix point of the 2D image matrix point. The output feature vector is input into a predictive model.

Abstract: The present invention relates to the field of growing plants indoors, more particularly, relates to a unique grow tent assembly and apparatus that enables growth of plants indoors. Grow tents are portable enclosed structures that enables users to grow plants in indoors. Generally, grow tents are made of plastic or metal framing with a tent fabric made of canvas on the exterior and reflective material in the interior which increases the intensity of light produced by built grow lights through. reflection. However, major drawback of the conventional grow tents involves the subject to uneven light reflection produced by the grow lights effecting the growth of the plants grown in the grow tents. The present invention provides a unique structured grow tent built with at least six walls having hexagonal pattern on the interior reflective surface of the grow tent that improves the reflection of the light produced by the grow lights in the grow tent.

Abstract: A system for tracking a fleet of vehicles and analyzing a driver associated with the fleet of vehicles. The system includes a monitoring engine for receiving information from a vehicle-tracking device associated with a vehicle of the fleet. A mapping engine displays, to a user, an icon indicative of an incident on a map. A video repository engine receives video data from a video camera associated with the vehicle and associates an incident video with the icon. A driver analysis engine obtains the incident information associated with a plurality of drivers and analyzes the incident information associated with the driver to generate a driver profile. The driver analysis engine compares the driver with corresponding drivers in the same and other fleets.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application. The method includes determining a customer is approved for a mortgage, including calculating an amount in which the customer is approved for a mortgage loan based upon the information about the customer retrieved from a memory storage location. The method further includes determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from the memory storage location. The method still further includes comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property, and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets or exceeds the calculated appraisal value of the real estate property.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.

Abstract: A method of identifying a potential chargeback scenario includes generating or updating chargeback candidate detection rules, at least by training a machine learning program. The machine learning program may be trained using transaction data associated with financial transactions, and using chargeback determinations, for the financial transactions, that were made in accordance with chargeback rules associated with a card network entity. The method also includes receiving an indication that fraud has been confirmed for a financial transaction associated with a merchant and a financial account, and retrieving transaction data associated with the financial transaction. The method may further include determining, by applying the chargeback candidate detection rules, that a chargeback may be warranted for the transaction, and causing an indication of such to be displayed to one or more people via one or more computing device user interfaces.

Abstract: In a computer-implemented method of facilitating a fraud dispute resolution process, types of information historically indicative of fraud (or its absence) may be identified by training a machine learning program using transaction data associated with financial transactions and fraud determinations for those transactions. An indication that fraud is suspected for a first transaction may be received, and transaction data may be retrieved. Based upon at least one of the identified types of information and the transaction data, a first set of one or more queries that are designed to ascertain whether the first transaction was fraudulent may be generated. The first set of queries may be transmitted to a remote computing device for display to the customer, and a first set of one or more customer responses may be received. Based upon the first set of customer responses, it may be determined whether the first transaction was fraudulent.

Abstract: A heuristic business process impact assessment engine includes capabilities to collect an unstructured data set and a current business process context. Providing a heuristic algorithm and executing the heuristic algorithm within the engine with the data set may allow determination of predicted impacts on portions of a business process and suggest actions to improve business process efficiencies. Such heuristic algorithms may learn from past data transactions and appropriate correlations with events and available data.

Abstract: A heuristic engine includes capabilities to collect an unstructured data set, for example including question and answer sets from prior customer interactions, and predict future questions based on a current customer context. Such heuristic algorithms may learn from past data transactions and appropriate correlations with events and available data. By improving the heuristic algorithm with growing sets of question and answer interactions, the accuracy of question and answer set predictions may improve over time, allowing improved customer service and understanding of customer interaction outcomes.