Abstract: Embodiments provide methods and systems for determination of creditworthiness of a first merchant. The method performed by a server system includes receiving invoice data of the first merchant from a merchant invoice database. The invoice data includes information of past invoices associated with the first merchant. Additionally, the method includes generating a homogeneous graph based, at least in part, on the information of past invoices. Further, the method includes determining a feature representation of the first merchant based on data features associated with the first merchant in the homogenous graph. Furthermore, the method includes calculating a credit risk score for the first merchant based on the credit risk score model.

Abstract: A computer-implemented system, method, and apparatus for warning a user of fraudulent call phases may include communicating with a backend analysis engine, wherein the backend analysis engine is to provide a periodically-updated assessment of a voice call, the assessment comprising an inferred call phase and a fraudulence score; and providing a graphical user interface (GUI) visible to a participant of the voice call, wherein the GUI is to display the inferred call phase and a visual fraud indicator based on a likelihood that the voice call is fraudulent.

Abstract: Methods and apparatus for voice transformation, authentication, and metadata communication are disclosed.

Abstract: The present invention discloses an artificial intelligence-based (AI-based) system and method for generating optimised operation planning and scheduling output. The AI-based system obtains at least one of: one or more data explanation videos, one or more process understanding videos, and unconstrained operational planning data, along with one or more prompts as an input. The AI-based system extracts one or more informative image frames and audio data, to train the one or more AI models and generate a planning standard operating procedure (SOP). The AI-based system processes the planning SOP, the constrained operational planning data, and the one or more prompts to generate the optimised operation planning and scheduling output based on an optimised function with a continuous feedback loop in response to at least one of: the one or more prompts, updated planning SOP, and real-time changes in the constrained operational planning data.

Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant.

Abstract: A system and method for detecting fraudulent call activity include segmenting an ongoing voice call between a user and a second party into discrete segments while the call is in progress. The method analyzes respective discrete segments and assigning per-segment weighted fraud scores, where each weighted fraud score accounts for the weighted fraud score of a previous segment. Based on these per-segment weighted fraud scores, the method determines that the voice call is likely a fraudulent call. After making this determination, the method provides a human-perceptible warning to the user before the user discloses sensitive user data.

Abstract: The present disclosure provides systems and methods for modifying teaching content based on localized cultural and contextual factors. A system can maintain an entity relationship database including semantic triples. The system can identify entities from text content of an information resource. The system can generate, based on the semantic triples, an entity graph including nodes. Each node corresponds to a respective entity identified from the text content. The system can receive an indication to replace a first entity corresponding to a first node with a first replacement entity. The system can determine to replace a second entity corresponding to a second node with a second replacement entity based on the semantic triples and a connection between the first node and the second node. The system can generate processed text content based on the text content, the first replacement entity and the second replacement entity.

Abstract: Detecting an end-point of user's voice command or utterance with high accuracy is critical in automatic speech recognition (ASR)-based human machine interface. If an ASR system incorrectly detects an end-point of utterance and transmits this incomplete sentence to other processing blocks for further processing, it is likely the processed result would lead to incorrect interpretation. A method includes selecting a first semantic network based on context of the audio signal and more accurately detecting the end-point of user's utterance included in the audio signal based on the first semantic network and also based on at least one timeout threshold associated with the first semantic network.

Abstract: Methods, systems, and devices for iterative graph embedding of a blockchain network are described. A blockchain embedding service generates, using a graph representation of a blockchain network and a node embedding model, a first set of node embeddings for a first set of blockchain addresses using transaction data for the first set of blockchain addresses. The platform generates, using the graph representation, a second set of node embeddings for a second set of blockchain addresses associated with new transaction data. Generating the second set of node embeddings includes executing, for each node corresponding to blockchain address of the second set of blockchain addresses, a random walk across a set of nodes starting with the node using the transaction data for the set of nodes, inputting data resulting from the random walk into the node embedding model, and computing a risk score for each of the second set of blockchain addresses.

Abstract: The present disclosure provides systems and methods for managed video conferencing. A system can include a media server comprising a processor, a network interface in communication with a plurality of client devices, and a memory storing a cryptographic key shared with an access control server. The system can receive, from a first client device via the network interface, metadata of a video conferencing session and a token, the token provided to the first client device by the access control server responsive to successful registration of the first client device for the video conferencing session. The system can calculate a hash of the metadata with the cryptographic key. The system can compare the calculated hash to the token. The system can, responsive to the calculated hash matching the token, provide at least one media stream of the video conferencing session to the first client device.

Abstract: The present disclosure provides systems and methods of providing multi-user collaborative interfaces. A computing system may receive a video stream. The video stream may have an overlay interface defined along a first plane. The computing system may identify, in at least one frame, a region defined on a second plane on which a user's hand is oriented. The computing system may determine that a set of features associated with the user's hand within the region corresponds to a draw command. The computing system may identify, from the region, a first coordinate for the draw command based on at least one of the set of features. The computing system may translate the first coordinate to a second coordinate defined on the first plane to which to apply the draw command. The computing system may render a visual element at the second coordinate in the overlay interface.

Abstract: Methods and server systems for determining potential return transactions are described. A method performed by a server system includes receiving an authorization request. The authorization request includes a plurality of ongoing payment transaction attributes. Method includes accessing historical payment transaction datasets. Method includes generating a plurality of features for the cardholder. Method includes generating the first return probability score associated with the ongoing payment transaction. The first return probability score indicates a likelihood of the ongoing payment transaction being associated with a return request. Method includes determining a first return advice code based on the first return probability score and a set of predefined threshold values. Method includes facilitating transmission of an authorization response message includes the return advice code to an acquirer server.

Abstract: The present disclosure provides systems and methods for extraction of nonverbal communication data from video. A system can include a computing device comprising a processor and a camera. The system can retrieve, from a camera of the computing device, a video stream of a user. The system can select a plurality of individual frames of the video stream. For each of the plurality of individual frames of the video stream, the system can extract a plurality of features and identify, from the extracted plurality of features, a pose of the user. The system can classify, via a neural network from the identified poses of the user for the plurality of individual frames of the video stream, the video stream as showing one of a predetermined plurality of states.

Abstract: In various embodiments, systems and methods for generating interfaces including interface elements representative of next-best actions are disclosed. A request for an interface including a set of features representative of a user associated with the request is received and a user state representation including an implicit user state representation and an explicit user state representation is generated based on the set of features and session data for at least one session associated with the user. An action reward value for each of a plurality of candidate actions is generated based on the user state representation and an interface including at least one interface element representative of a candidate action having a highest action reward value is generated.

Abstract: The present disclosure provides systems and methods of providing multi-user collaborative interfaces. A computing system may receive a video stream. The video stream may have an overlay interface defined along a first plane. The computing system may identify, in at least one frame, a region defined on a second plane on which a user's hand is oriented. The computing system may determine that a set of features associated with the user's hand within the region corresponds to a draw command. The computing system may identify, from the region, a first coordinate for the draw command based on at least one of the set of features. The computing system may translate the first coordinate to a second coordinate defined on the first plane to which to apply the draw command. The computing system may render a visual element at the second coordinate in the overlay interface.

Abstract: Methods and apparatus for voice transformation, authentication, and metadata communication are disclosed.

Abstract: The present disclosure provides systems and methods for formatting and generating teaching media for different contexts. A system can receive, from a client computing device, media content having one or more media modalities each having presentation attributes. The system can determine initial formatting rules for the media content based on the presentation attributes of the one or more media modalities. The system can identify a destination format for the media content having a formatting requirement for each of the one or more media modalities of the media content. The system can modify the initial formatting rules for the media content based on the formatting requirement for each of the one or more media modalities. The system can generate an information resource having the destination format based on the modified formatting rules for the media content.

Abstract: The present disclosure provides systems and methods for generating deeply integrated presentation gadgets. A system can maintain a plurality of application interfaces each having one or more data fields for presenting content. The system can maintain an information resource having data objects. Each of the data objects can have a content attribute. The system can extract each data object from the information resource based on the respective content attribute. The system can generate a presentation data structure having fields for the information resource based on the extracted data objects. The system can select an application interface for presentation with the information resource. The application interface can populate the one or more data fields of the application interface. The system can present the application interface with the information resource at a client device based on the one or more data fields of the application interface.

Abstract: Methods and systems for training artificial intelligence (AI)-based models using limited labeled data are disclosed. The method performed by a server system includes accessing a tabular dataset including tabular data that further labeled data and unlabeled data. Method includes generating labeled features including labeled numerical features and labeled categorical features based on the labeled data and generating unlabeled features including unlabeled numerical features and unlabeled categorical features based on the unlabeled data. Method includes determining, via a first transformer model, a contextual numerical embeddings based on the labeled numerical features and the unlabeled numerical features. Method includes determining, via a second transformer model, a contextual categorical embeddings based on the labeled categorical features and the unlabeled categorical features.

Abstract: A content generator system receives a request to generate content for a target entity, and one or more keywords. The content generator system retrieves, for the target entity, a current stage identifier linking the target entity to a current stage within a multi-stage objective. The content generator system generates an input vector including the current stage identifier, a target stage identifier, a token embedding comprising the one or more keywords, and a position embedding for each of the one or more keywords, the target stage identifier associated with a target stage within the multi-stage objective different from the current stage. The content generator system generates output text content for the target entity by applying a generative transformer network to the input vector. The content generator system transmits the output text content to a computing device associated with the target entity.