Abstract: A method, system and apparatus for accessing an internal database that includes at least one payroll database, identifying an individual, a first location, a second location, a future date, and a time of day. Responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining a predicted travel time for the individual between the first location and the second location at the time of day on the future date.

Abstract: A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with demographic parameters; performs iterative analysis on the data using machine learning to construct a predictive model of purchasing propensity; populates, using the predictive model, a database with predicted values of spending propensity for selected demographic parameters; converts the predicted values of spending propensity in the database into percentages of observed values of spending propensity for a selected group of people within the selected demographic parameters over a specified time period to create indices of spending propensity; and rank orders the people within the selected group according to their indices of spending propensity.

Abstract: A method, a computer system, and a computer program product for predicting changes in market dynamics for a geographic region. A computer system identifies human resource data regarding employees of organizations. The human resource data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system generates a plurality of location aggregates for different combinations of dimensions of the human resource data across a plurality of different geolocations. The computer system identifies a set of matched markets for a particular geographic region based on similarities among facts for the different combinations of dimensions among the plurality of location aggregates. The computer system identifies a predicted change in market dynamics for the particular geographic region based on a change in market dynamics for the set of matched markets.

Abstract: A method and apparatus for reducing an amount of resources required for address validation. An address validation program running on a processor unit configures a tax information table in a payroll database to have an authorization column indicating whether an employee having data in a row of the tax information table has authorized release of data in the row; receives a validation request for at least one validated address entered in one or more request fields in a graphical user interface connected to the processor unit; searches only rows having an indication of authorization in the authorization column of the tax information table; and responsive to finding at least one current address in the tax information table, displays the at least one current address in one or more response fields of the graphical user interface as the at least one validated address.

Abstract: A computer-implemented method, system, and computer program product for research in a double-blind framework, links, by a data processing system, a double-blind framework application to an intra-network database, provides a double-blind framework portal linked to the double-blind framework application, and responsive to a request entered on the double-blind framework portal, provides to a requestor, responses to research surveys directed to an audience selected from the intra-network database based on an intra-change system. The intra-network database comprises a database of entities and employees of the entities that have opted-in to an intra-change system. The intra-change system provides financial incentives to the entities and employees by sharing a fee paid by the requestor for each research survey.

Abstract: A method, computer system, and computer program product are provided for automatically causing an action to be performed and a payment for the action to be made in a blockchain environment. The blockchain environment receives a transaction. The transaction is configured to activate a smart contract. In response to being activated by the transaction, the smart contract issues a message within the blockchain environment. The message causes the action to be performed at a location device and an indication of the payment for the action to be rendered on a display of a device.

Abstract: A method, computer system, and computer program product are provided for automatically causing an action to be performed and a payment for the action to be made in a blockchain environment. The blockchain environment receives a transaction. The transaction is configured to activate a smart contract. In response to being activated by the transaction, the smart contract issues a message within the blockchain environment. The message causes the action to be performed at a location device and an indication of the payment for the action to be rendered on a display of a device.

Abstract: A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with demographic parameters; performs iterative analysis on the data using machine learning to construct a predictive model of purchasing propensity; populates, using the predictive model, a database with predicted values of spending propensity for selected demographic parameters; converts the predicted values of spending propensity in the database into percentages of observed values of spending propensity for a selected group of people within the selected demographic parameters over a specified time period to create indices of spending propensity; and rank orders the people within the selected group according to their indices of spending propensity.

Abstract: A method, computer system, and computer program product that aggregates sample payroll data regarding a plurality of factors associated with take home pay; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of take home pay for selected populations; converts the predicted values take home pay in the database into percentages of observed values of take home pay for the selected populations over a specified time period to create indices of take home pay; and rank orders the selected populations according to their indices of take home pay.

Abstract: A method and apparatus for reducing an amount of resources required for address validation. An address validation program running on a processor unit configures a tax information table in a payroll database to have an authorization column indicating whether an employee having data in a row of the tax information table has authorized release of data in the row; receives a validation request for at least one validated address entered in one or more request fields in a graphical user interface connected to the processor unit; searches only rows having an indication of authorization in the authorization column of the tax information table; and responsive to finding at least one current address in the tax information table, displays the at least one current address in one or more response fields of the graphical user interface as the at least one validated address.

Abstract: A computer-implemented method, system, and computer program product for research in a double-blind framework, links, by a data processing system, a double-blind framework application to an intra-network database, provides a double-blind framework portal linked to the double-blind framework application, and responsive to a request entered on the double-blind framework portal, provides to a requestor, responses to research surveys directed to an audience selected from the intra-network database based on an intra-change system. The intra-network database comprises a database of entities and employees of the entities that have opted-in to an intra-change system. The intra-change system provides financial incentives to the entities and employees by sharing a fee paid by the requestor for each research survey.

Abstract: A method, computer system, and computer program product pays a bill payment amount for an employee from a non-payroll account prior to a payroll payment date of the employee, and deducts on the payroll payment date of the employee from a payroll payment amount of the employee, the bill payment amount.

Abstract: A method, a computer system, and a computer program product for predicting changes in market dynamics for a geographic region. A computer system identifies human resource data regarding employees of organizations. The human resource data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system generates a plurality of location aggregates for different combinations of dimensions of the human resource data across a plurality of different geolocations. The computer system identifies a set of matched markets for a particular geographic region based on similarities among facts for the different combinations of dimensions among the plurality of location aggregates. The computer system identifies a predicted change in market dynamics for the particular geographic region based on a change in market dynamics for the set of matched markets.

Abstract: A method, system and apparatus for accessing an internal database that includes at least one payroll database, identifying an individual, a first location, a second location, a future date, and a time of day. Responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining a predicted travel time for the individual between the first location and the second location at the time of day on the future date.

Abstract: The present invention relates to summarizing cross-network user behavioral data and further relates to restoring damaged data structures, either data structures summarizing cross-network user behavioral data or data structures remotely identifying to logic running on a user computer. The summarizing cross-network user behavioral data may particularly include publishing the data to one or more data structures that become accessible to a server hosting an authorized domain when a user accesses the authorized domain. The restoring of damaged data structures may particularly include automatically detecting deletion of or damaged to data structures and restoring the damaged data structures.