Abstract: Systems and methods are described for implementing a virtual assistant that manages and participates in events on an electronic calendar. The virtual assistant determines meeting times based on availability of key participants, and at the appropriate time logs the user into conference bridges, requests permission to record audio, records audio of the meeting, and uses a machine learning model to generate meeting transcripts that identify each participant and the associated portions of the audio recording during which the participant is speaking. The virtual assistant may summarize what was discussed at the meeting, and may associate the summary and transcript with the calendar event to provide a permanent record of the meeting. The virtual assistant may also selectively record only those participants who grant permission to be recorded, and may participate in the meeting and answer queries from meeting participants.

Abstract: Some embodiments enable one or more processors coupled to one or more storage devices to perform the following steps: receive a first request to conduct a financial transaction from a first user; in response to the request, receiving money in the form of a first currency from the first user; create a cryptographically secure coin, wherein the coin comprises a unique string that is associated with the first user; deliver the cryptographically secure coin to the first user.

Abstract: In some embodiments, an online payment system may assess the trust of one or more users to dispense with a waiting period normally associated with online money transfers. Such assessment of trust may include aggregating online activity performed by a user of the online payment system, analyzing the online activity, categorizing the activity, and assigned a trust score to each activity, then summing the trust scores for the user. For users with trust scores above a predetermined threshold level, the online payment system may dispense with a waiting period normally associated with online money transfers. This may be done in the context of blockchain transactions.