Abstract: Disclosed are systems and methods for facilitating identification of risk across risk silos in an organization. Machine learning utilizes risk identification data from two or more silos to identify risk associated with electronic change requests provided to the system. Regulatory/compliance results are submitted to a blockchain for immutable recordation of compliance status.

Abstract: Wearable spectroscopy systems and methods for identifying one or more characteristics of a target object are described. Spectroscopy systems may include a light source configured to emit light in an irradiated field of view and an electromagnetic radiation detector configured to receive reflected light from a target object irradiated by the light source. One or more processors of the systems may identify a characteristic of the target object based on a determined level of light absorption by the target object. Some systems and methods may include one or more corrections for scattered and/or ambient light such as applying an ambient light correction, passing the reflected light through an anti-scatter grid, or using a time-dependent variation in the emitted light.

Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.

Abstract: An outer case for covering a handheld electronic device or handheld electronic device case includes a base, a lid, and a collar. The lid is pivotably attached to the base. The collar is attached to the base and is moveable away from the lid such that the lid rotates away from the base during movement of the collar away from the lid.

Abstract: A foldable case is configured for removably receiving a separate and distinct mobile electronic device having a front device surface, a rear device surface opposite the front device surface, and a periphery extending between the front device surface and the rear device surface. The case includes first and second cover members and opposing hinge members. The first and second cover members include respective first and second rear walls, respective first and second peripheral rims, and respective first and second sidewalls extending between the respective rear walls and the respective peripheral rims and thereby define respective first and second recesses configured for receiving respective first and second portions of the device. The opposing hinge members each extend between adjacent locations at the respective peripheral rims of the first and the second cover members to hingedly connect the first and the second cover members.

Abstract: Disclosed are systems and methods for supporting a vehicle lending services platform. Specifically, machine learning is applied to identify and accumulate data from electronic services. The machine learning is further used to identify risk associated with a potential lend of a vehicle. The identified risk is presented as part of a browser plugin graphical user interface (GUI) and/or inline with portions of a portal GUI of the vehicle lending services platform.

Abstract: A foldable case is configured for removably receiving a separate and distinct mobile electronic device having a front device surface, a rear device surface opposite the front device surface, and a periphery extending between the front device surface and the rear device surface. The case includes first and second cover members and opposing hinge members. The first and second cover members include respective first and second rear walls, respective first and second peripheral rims, and respective first and second sidewalls extending between the respective rear walls and the respective peripheral rims and thereby define respective first and second recesses configured for receiving respective first and second portions of the device. The opposing hinge members each extend between adjacent locations at the respective peripheral rims of the first and the second cover members to hingedly connect the first and the second cover members.

Abstract: A system and method for performing a transaction and managing transaction data. The system and method operate by scanning an item for purchase with a point of sale system and obtaining image data of the item with an image capture device of the point of sale system during the scanning. The system and method operate by proceeding to store the image data in a memory of the point of sale system and generating, with a processor of the point of sale system, an association of the image data with purchase data acquired at the point of sale during the purchase. Further, the system and method operate by providing the association, the image data, and the purchase data to a graphical user interface, which displays the image data and the purchase data such that the image data is visually linked with the purchase data based on the association.

Abstract: A case for a mobile device includes a frame and an elastomeric shell. The elastomeric shell is received in the frame and has an outer surface, an inner surface opposite the outer surface and configured for receiving the mobile device, and a rim extending between the outer surface and the inner surface. The inner surface forms inner projections each having an inner extremity extending toward an inside of the elastomeric shell and each being configured for contact with the mobile device when arranged in the inner surface. The outer surface forms outer projections defining respective outer projection extremities and forms outer troughs extending between the outer projections and defining outer trough extremities. The outer projections extend toward a frame inner perimeter of the frame such that each of the outer trough extremities is spaced further from the frame than adjacent ones of the outer projection extremities.

Abstract: A system includes one or more point of sale systems and processing circuitry. The processing circuitry is configured to receive purchase data for a plurality of purchases made by a purchaser via the one or more point of sale systems over a time period, wherein the purchase data includes an identifier of the purchaser, a timestamp, and a type of good. The processing circuitry is configured to determine a frequency with which the purchaser purchased a type of good over the time period based on the purchase data, determine a target time at which the purchaser should next purchase the type of good based on the purchase data and the frequency, and instruct output of a notification in response to receipt of an indication that the purchaser is attempting to purchase the type of good using the one or more point of sale systems prior to the target time.

Abstract: A case for a mobile device includes a frame and an elastomeric shell. The elastomeric shell is received in the frame and has an outer surface, an inner surface opposite the outer surface and configured for receiving the mobile device, and a rim extending between the outer surface and the inner surface. The inner surface forms inner projections each having an inner extremity extending toward an inside of the elastomeric shell and each being configured for contact with the mobile device when arranged in the inner surface. The outer surface forms outer projections defining respective outer projection extremities and forms outer troughs extending between the outer projections and defining outer trough extremities. The outer projections extend toward a frame inner perimeter of the frame such that each of the outer trough extremities is spaced further from the frame than adjacent ones of the outer projection extremities.

Abstract: An outer case for covering a handheld electronic device or handheld electronic device case includes a base, a lid, and a collar. The lid is pivotably attached to the base. The collar is attached to the base and is moveable away from the lid such that the lid rotates away from the base during movement of the collar away from the lid.