Abstract: In some aspects, a computing system may authenticate a user before blockchain functions may be performed and provide obstacles to prevent brute force attacks in decentralized computing systems or other distributed computing system environments. The computing system may use a smart contract to assist with authenticating a user. As authentication attempts fail, the computing system may increase a network usage cost associated with authentication. By doing so, the security of a computing system may be improved by making it cost-prohibitive for malicious actors to perform brute force attacks. Further, a computing system may use a variety of biometric information that may provide additional verification and security when authentication is performed.

Abstract: Disclosed embodiments may include a system for generating aggregate records. The system may retrieve data corresponding to a first user. The system may receive, from the first user, first sharing preference(s) associated with a second user. The system may extract first data subset(s) from the data based on the first sharing preference(s). The system may generate block(s) of a blockchain ledger. The system may append the first data subset(s) to at least a first block of the block(s) of the blockchain ledger. The system may provide the second user with access to the first data subset(s) on the at least first block.

Abstract: Disclosed embodiments may include a system for generating aggregate records. The system may retrieve data corresponding to a first user. The system may receive, from the first user, first sharing preference(s) associated with a second user. The system may extract first data subset(s) from the data based on the first sharing preference(s). The system may generate block(s) of a blockchain ledger. The system may append the first data subset(s) to at least a first block of the block(s) of the blockchain ledger. The system may provide the second user with access to the first data subset(s) on the at least first block.

Abstract: Methods, systems, and apparatuses are described herein for using machine learning to generate and use synthetic profiles. A computing device may train a machine learning model to generate synthetic user profiles. The computing device may then use the trained machine learning model to generate a plurality of synthetic user profiles based on real user profile information, provide those synthetic user profiles to a quote provider via an API, then average the quotes received from that provider to determine an expected quote for the real user. The computing device may also collect a plurality of quotes from a quote provider based on synthetic user profiles, then train a second machine learning model to estimate quotes by that provider. That trained second machine learning model may be used to estimate quotes for users, and may be re-trained based on real quotes provided by the quote provider at a later time.

Abstract: In some aspects, a computing system may authenticate a user before blockchain functions may be performed and provide obstacles to prevent brute force attacks in decentralized computing systems or other distributed computing system environments. The computing system may use a smart contract to assist with authenticating a user. As authentication attempts fail, the computing system may increase a network usage cost associated with authentication. By doing so, the security of a computing system may be improved by making it cost-prohibitive for malicious actors to perform brute force attacks. Further, a computing system may use a variety of biometric information that may provide additional verification and security when authentication is performed.

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: Disclosed embodiments may include a system for generating aggregate records. The system may retrieve data corresponding to a first user. The system may receive, from the first user, first sharing preference(s) associated with a second user. The system may extract first data subset(s) from the data based on the first sharing preference(s). The system may generate block(s) of a blockchain ledger. The system may append the first data subset(s) to at least a first block of the block(s) of the blockchain ledger. The system may provide the second user with access to the first data subset(s) on the at least first block.

Abstract: This application relates to apparatus and methods for identifying fraudulent payment transfers. In some examples, a computing device determines payment transfer initiation features, and payment transfer reception features, based on previous payment transfer data. The computing device may train a machine learning fraud detection model with the payment transfer initiation features, and may train a machine learning fraud detection model with the payment transfer reception features. Once trained, the computing device may employ the machine learning fraud detection models to identify fraudulent payment transfers. For example, the computing device may determine whether a payment transfer is fraudulent when the payment transfer is initiated. Assuming the payment transfer is allowed, the computing device may determine whether the payment transfer is fraudulent when the payment is being received.

Abstract: This application relates to apparatus and methods for identifying fraudulent payment transfers. In some examples, a computing device determines payment transfer initiation features, and payment transfer reception features, based on previous payment transfer data. The computing device may train a machine learning fraud detection model with the payment transfer initiation features, and may train a machine learning fraud detection model with the payment transfer reception features. Once trained, the computing device may employ the machine learning fraud detection models to identify fraudulent payment transfers. For example, the computing device may determine whether a payment transfer is fraudulent when the payment transfer is initiated. Assuming the payment transfer is allowed, the computing device may determine whether the payment transfer is fraudulent when the payment is being received.

Abstract: This application relates to apparatus and methods for identifying fraudulent payment transfers. In some examples, a computing device determines payment transfer initiation features, and payment transfer reception features, based on previous payment transfer data. The computing device may train a machine learning fraud detection model with the payment transfer initiation features, and may train a machine learning fraud detection model with the payment transfer reception features. Once trained, the computing device may employ the machine learning fraud detection models to identify fraudulent payment transfers. For example, the computing device may determine whether a payment transfer is fraudulent when the payment transfer is initiated. Assuming the payment transfer is allowed, the computing device may determine whether the payment transfer is fraudulent when the payment is being received.

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: The exemplary embodiments provide an automated control compliance evidence manager that is responsible for gathering evidence of compliance with controls. The control compliance evidence manager may operate on an ongoing basis. In some exemplary embodiments, the evidence is gathered and available for review in real time or near real time. The steps for gathering the compliance evidence may be specified at the time a control is established so that there is consistency in what is gathered and how the evidence is gathered. A user may be required to provide an itemization of what evidence is to be gathered and where. The evidence may be stored in an immutable fashion. In some exemplary embodiments, the evidence may be cryptographically hashed or otherwise encrypted and referenced by a secure distributed ledger, like a blockchain. The distributed ledger may be visible to concerned parties.

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: This application relates to apparatus and methods for identifying fraudulent payment transfers. In some examples, a computing device determines payment transfer initiation features, and payment transfer reception features, based on previous payment transfer data. The computing device may train a machine learning fraud detection model with the payment transfer initiation features, and may train a machine learning fraud detection model with the payment transfer reception features. Once trained, the computing device may employ the machine learning fraud detection models to identify fraudulent payment transfers. For example, the computing device may determine whether a payment transfer is fraudulent when the payment transfer is initiated. Assuming the payment transfer is allowed, the computing device may determine whether the payment transfer is fraudulent when the payment is being received.

Abstract: A system and method for using device characteristics to authenticate a transaction is disclosed. A first device can be used to request a transaction, and a second device can be used to approve the transaction. A push notification or authentication code is transmitted to a second device, and approval of the transaction is completed based in part on the hardware characteristics of the second device. A security database stores the hardware characteristics of the second device and links the characteristics to authentication profiles such that the second device can be used as a physical authentication device in multi-factor authentication.

Abstract: A system and method for push notification authentication includes a communication interface that communicates with a mobile device via a network, a digital security delivery database that stores information about a user that is enrolled in push notification authentication, the information about a user that is enrolled in push notification authentication hardware includes characteristics of the mobile device and login information for the user, and an application programming interface (API) framework coupled to the communication interface that receives information indicating that a transaction requiring push notification authentication has been approved by a user of the mobile device, updates the digital security delivery database to indicate that the transaction requiring push notification authentication has been approved by the user, and transmits a transaction status to the mobile device.

Abstract: A visual odometry system and method for a fixed or known calibration of an arbitrary number of cameras in monocular configuration is provided. Images collected from each of the cameras in this distributed aperture system have negligible or absolutely no overlap. The relative pose and configuration of the cameras with respect to each other are assumed to be known and provide a means for determining the three-dimensional poses of all the cameras constrained in any given single camera pose. The cameras may be arranged in different configurations for different applications and are made suitable for mounting on a vehicle or person undergoing general motion. A complete parallel architecture is provided in conjunction with the implementation of the visual odometry method, so that real-time processing can be achieved on a multi-CPU system.

Abstract: The present invention provides a collision avoidance apparatus and method employing stereo vision applications for adaptive vehicular control. The stereo vision applications are comprised of a road detection function and a vehicle detection and tracking function. The road detection function makes use of three-dimensional point data, computed from stereo image data, to locate the road surface ahead of a host vehicle. Information gathered by the road detection function is used to guide the vehicle detection and tracking function, which provides lead motion data to a vehicular control system of the collision avoidance apparatus. Similar to the road detection function, stereo image data is used by the vehicle detection and tracking function to determine the depth of image scene features, thereby providing a robust means for identifying potential lead vehicles in a headway direction of the host vehicle.

Abstract: A visual odometry system and method for a fixed or known calibration of an arbitrary number of cameras in monocular configuration is provided. Images collected from each of the cameras in this distributed aperture system have negligible or absolutely no overlap. The relative pose and configuration of the cameras with respect to each other are assumed to be known and provide a means for determining the three-dimensional poses of all the cameras constrained in any given single camera pose. The cameras may be arranged in different configurations for different applications and are made suitable for mounting on a vehicle or person undergoing general motion. A complete parallel architecture is provided in conjunction with the implementation of the visual odometry method, so that real-time processing can be achieved on a multi-CPU system.