Abstract: A method may include receiving, via a processor, an indication that a vehicle is in use, determining that a user of the vehicle is expected to perform an online-platform task, and determining one or more routes to perform the online-platform task. The method may further include determining one or more insurance rates for the one or more routes based on a type of the online-platform task, one or more driving characteristics associated with the user, the one or more routes, or any combination thereof. Additionally, the method may include displaying a visualization indicative of the one or more insurance rates via an electronic display. Furthermore, the method may include receiving a selection of a first insurance rate of the one or more insurance rates that corresponds to a first route of the one or more routes, detecting that the vehicle is deviating from the first route, and adjusting the first insurance rate in response to detecting that the vehicle is deviating from the first route.

Abstract: A system includes a processor and a database having first data indexed therein and indicative of a plurality of online websites. The processor is configured to receive, via a search engine account, second data indicative of a search string. The processor is also configured to determine an additional online account linked with the search engine account, and locate, in the additional online account and based on the second data, third data correlated to the search string. The processor is also configured to search the database to locate a subset of the first data by identifying a correspondence between the subset of the first data and a combination of the second data and the third data. The processor is also configured to format, based on the subset of the first data, search results displayable on a display of a user device.

Abstract: Implementations are disclosed to automatically evaluate, detect, or predict an event, and provide customized virtual assistance to a user based on the event. The implementations include a system capable of pulling data from a client device, detecting an event based on the pulled data, and pushing customized digital resources to the client device based on the detected event.

Abstract: A system may include a processor. The processor may be configured to receive a first indication indicative of presence of a person arriving at a location associated with a scheduled service. The process may also be configured to determine whether the first indication corresponds to an expected arrival time of the scheduled service. Additionally, the processor may receive activity data in response to determining that the indication corresponds to the expected arrival time. Further, the processor may receive a second indication indicative that the person has completed the scheduled service. Further still, the processor may determine whether the scheduled service is completed based at least in part on the activity data. Even further, the processor may transmit a service confirmation to a computing device associated with a property owner of the location in response to determining that the scheduled service is completed.

Abstract: A system is described to authorize a transaction using blockchain technology. For example, a transaction authorization system comprises a point of sale (POS) device, a mobile device, and a payment blockchain. The POS device can initiate a transaction by scanning one or more items to be purchased and generating a code comprising a transaction identifier and a total cost of the one or more items. The mobile device can receive the code and can generate a token comprising the transaction identifier, total cost, a selected payment method identifier, and a value that can identify an account of a person associated with the mobile device. The token is sent to a payment blockchain to authorize the transaction.

Abstract: A system and method for routing a call from a customer to a customer service representative at a call center is described. The method being performed by an augmented intelligence system. The method includes receiving an incoming call from a customer at the call center. The method also includes determining a match between a classification of the customer and a classification of a selected customer service representative based on a profile of the customer and a profile of the selected customer service representative. The method further includes routing the incoming call from the customer to the selected customer service representative.

Abstract: The present application is generally directed to a decentralized identity management system that has one or more processors configured to receive a review from a user regarding an entity, determine one or more locations associated with the entity, determine a location associated with the user; and determine a reputation score for the entity based on the review, a location of the one or more locations, and the location associated with the user. Additionally, the one or more processors are configured to cause the reputation score to be recorded on a distributed ledger.

Abstract: Systems and methods described herein facilitate the tracking of shared ownership of assets, such as real property as well as other types of property, using distributed ledger technology (DLT) techniques. For example, in timesharing scenarios, by storing data relating to shared ownership of particular assets in a distributed ledger, such as a blockchain, various aspects of the shared ownership of the shared asset may be tracked in an immutable and secure manner with all parties involved having transparency into the data relating to the shared asset. For example, the embodiments described herein enable tracking of certain aspects relating to shared ownership of a shared asset, such as scheduling of time periods during which certain share owners may take custody, tracking of transfers of custody of the shared asset between share owners, transfer of control of smart devices associated with the shared asset, and so forth.

Abstract: A corporate information technology (IT) network can protect sensitive data sent to computers located outside of the IT network. For example, a customer of a company may control who can access his or her sensitive personal information by identifying his or her access preference included in an access control list, where the access preference describes a level of access that at least one remote employee or person may have to the customer's sensitive personal information. A data protection server may containerize the sensitive personal information and the access control list of the person in a data protection container. If a remote employee or a person requests access the customer's sensitive personal information, the data protection server may perform data protection related operations to provide the sensitive personal information to the remote employee or person.

Abstract: A system includes at least one processor and at least one non-transitory computer-readable media communicatively coupled to the at least one processor. In an embodiment, the at least one non-transitory computer-readable media stores instructions which, when executed, cause the processor to perform operations including receiving a request to insure an item of personal property. The operations also include determining ownership of the item based on information stored on a distributed ledger. The operations also include determining authenticity of the item based on the information stored on the distributed ledger. The operations also include determining a value of the item based on the information stored on the distributed ledger. The operations also include generating an insurance policy for the item based at least in part on the value.

Abstract: The present application generally relates to a system that includes one or more sensors configured to acquire data representative of a geographic area, including municipal data, vehicular data, utility data, or a combination thereof. The system also includes a processor that receives a request for a loan from a requesting party. The request is associated with a service to be provided to the geographic area. The processor determines a factor for the geographic area based on the data, and the factor is representative of a presence of the service within the geographic area. Additionally, the processor determines a gap associated with the service within the geographic area. The gap is indicative of a perceived desire for the service within the geographic area. Furthermore, the processor determines whether the gap exceeds a threshold value and automatically transfers funds to the requesting party in response to the gap exceeding the threshold value.

Abstract: A system and method for automatically documenting a condition of a property and generating a request for return of a security deposit is described. In one embodiment, a method for automatically documenting a condition of a physical space includes determining an initial condition of one or more inspected elements in a physical space. The method also includes obtaining a current condition of the one or more inspected elements in the physical space. The method includes determining changes between the initial condition and the current condition for each of the one or more inspected elements. The method further includes generating a report documenting the changes of the one or more inspected elements in the physical space.

Abstract: Corporate information technology (IT) networks can protect sensitive data sent to computers located outside of the corporate IT network. For example, a computer located outside of the corporate IT network may receive a message that instructs the computer to operate in a data protection mode in which the computer reduces a frame rate of a monitor of the computer from a first frame rate to a lower second frame rate. In this example, the computer receives sensitive information that includes sensitive visual content to be displayed on the monitor and displays the sensitive visual content on the monitor configured to operate at the second frame rate.

Abstract: The disclosure describes techniques to protect personal information stored on an electronic card with which an owner of the electronic card may be authorized to perform a transaction. For example, a point-of-sale (POS) device may receive protected data generated by an electronic card where the protected data may be used by a personal information server to identify the owner of the electronic card. The POS devices sends the protected data and transaction information to an authorization server that sends the protected data to a personal information server. The owner's personal information can be obtained or derived from the protected data by the personal information server and the personal information is sent to the authorization server. The authorization server can determine whether a transaction is authorized or unauthorized based on the transaction information obtained from the POS device and the personal information obtained from the personal information server.

Abstract: The present disclosure includes systems and methods for facilitating management of information related to electronic transactions. More specifically, the methods and systems discussed herein related to electronic transaction verification techniques that employ distributed computation methods, such as blockchains, to store transactional data for various web-based interactions, and to verify a transaction source and generate customer offers for these transactions.

Abstract: The present application is generally directed to a decentralized identity management system that has one or more processors configured to receive a review from a user regarding an entity, determine one or more locations associated with the entity, determine a location associated with the user; and determine a reputation score for the entity based on the review, a location of the one or more locations, and the location associated with the user. Additionally, the one or more processors are configured to cause the reputation score to be recorded on a distributed ledger.

Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict access of funds by secondary users per conditions defined by the primary user(s). A software application receives requests for funds from secondary users for use during a transaction to be performed at a specific merchant location. The application requires geodata that supports the proposed transaction, for example by inclusion of an image taken in which GPS data is embedded. The request will only be conveyed to the primary user if the system determines the embedded GPS data corresponds to the location of the merchant.

Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users in order to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict the access of funds by secondary users per conditions defined by the primary user(s). An application can be accessed via a computing device that receives requests for funds from secondary users and requires the secondary user to also submit a digital image or video that supports their proposed transaction. The request will only be conveyed to the primary user if the necessary digital verification is received by the system.

Abstract: A system and method for dispatching messages from a user to at least one recipient over a telecommunications network is disclosed. The system includes a messaging system and an authentication system. The messaging system receives user messages, retrieves contact information for recipients on a user's contact list, and attempts to deliver messages to recipients on the list. The system may continue attempting to deliver messages to recipients until it finds a recipient who is available to receive the message. The authentication system is used to ensure the recipient is a person and not a machine. The messages could be audio messages delivered using a telephone network or messages delivered over an SMS network.

Abstract: A system may include a processor. The processor may be configured to receive a first indication indicative of presence of a person arriving at a location associated with a scheduled service. The process may also be configured to determine whether the first indication corresponds to an expected arrival time of the scheduled service. Additionally, the processor may receive activity data in response to determining that the indication corresponds to the expected arrival time. Further, the processor may receive a second indication indicative that the person has completed the scheduled service. Further still, the processor may determine whether the scheduled service is completed based at least in part on the activity data. Even further, the processor may transmit a service confirmation to a computing device associated with a property owner of the location in response to determining that the scheduled service is completed.