Abstract: A system and method for improving the download time of emails in an environment in which a server distributes emails to persons working in close proximity to each other. When these persons receive multi-recipient emails intended for several or all of these persons, the server distributing the emails delivers the multi-recipient emails to the first one of the persons who logged on to read his or her emails on his or her personal computer, for distribution to the other persons over a personal area network. This reduces the download time for the persons downloading their emails at a subsequent time.

Abstract: A system and method for detecting an anomaly based on user interaction with a mobile computing device is disclosed. The method includes activating, on the mobile computing device, an application, which is configured to store the machine learning model and the behavioral profile generated by the machine learning model in the memory of the mobile computing device; receive, track, and store in the memory of the mobile computing device an input pattern including navigation information and identification information inputted from the user during the user interaction with the mobile computing device; detect anomaly based on the user interaction with the mobile computing device by comparing the stored behavioral profile with the stored input pattern; and prohibit user to have further access to the financial application including user accounts in response to detection of the anomaly.

Abstract: A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.

Abstract: A customer service system that includes a customer device associated with a customer, an agent device associated with an agent, and a monitoring system. The monitoring system includes a memory that stores instructions and a processor that executes the instructions. The instructions, when executed by the processor, cause the monitoring system to monitor a conversation between the customer device and the agent device to identify a context of the conversation. Moreover, the instructions cause the monitoring system to identify a disclosure notice based at least part on the context of the conversation, in which the disclosure notice comprises an indication of a disclosure to be read in light of the context of the conversation.

Abstract: System and methods for pre-fetching data are provided. In one embodiment, an electronic device includes communications circuitry communicatively coupled to a data provider system over a network to obtain streaming data for completion of tasks. The electronic device also includes pre-fetch circuitry that identifies a dead zone in the network; calculates a pre-fetch data size amount based at least in part upon a size of the dead zone; and requests the pre-fetch data size amount of the data, to mitigate lost streaming ability in the dead zone.

Abstract: Machine learning technology can analyze in real-time the data from a call between a person and a customer service representative. Based on this analysis, a server can determine a sentiment score that describes a sentiment expressed by the person or the customer service representative. If the server determines that the sentiment score is less than or equal to a pre-determined value, the server can inform the customer service representative's manager so that the manager can take further action to help the person and/or the customer service representative.

Abstract: An electronic device receives operational data indicative of an operational characteristic of a vehicle from a sensor of the electronic device, a sensor of the vehicle, and/or images/videos captured by a camera. The electronic device determines that the vehicle has had a potential incident and a likelihood that the potential incident has actually occurred based on analysis of the operational data. The electronic device also receives risk management data associated with the vehicle from a database, and determines a severity level for the potential incident based on the operational data and the risk management data. The electronic device then sends a notification indicative of the potential incident based on the likelihood that the potential incident has actually occurred and the severity level for the potential incident to a third-party remote system (e.g., of a towing service, an emergency service, or both) to request assistance.

Abstract: A computing device establishes communication with a financial institution communication device, and receives an instruction for a user to perform an action to authenticate the user. The action includes providing user-provided data indicative of a location. The computing device determines first location information based on the user-provided data. The computing device also determines second location information using a location sensor. The computing device authenticates the used based on determining that the first location information correlates to the second location information.

Abstract: A conditions monitoring system may include a system controller. The controller may include a device processor and a non-transitory computer readable medium. The computer readable medium may include instructions executable by the device processor to perform the following steps: receiving positional data from a plurality of wearable devices of a plurality of associated wearers; receiving physical data regarding the wearers from the wearable devices; making a determination of a possible dangerous environmental condition based on the data received from the wearable devices, including the positional data and the physical data; and providing instructions to the wearable devices for the wearers to follow to avoid danger related to the dangerous environmental condition.

Abstract: A system and method for improving the download time of emails in an environment in which a server distributes emails to persons working in close proximity to each other. When these persons receive multi-recipient emails intended for several or all of these persons, the server distributing the emails delivers the multi-recipient emails to the first one of the persons who logged on to read his or her emails on his or her personal computer, for distribution to the other persons over a personal area network. This reduces the download time for the persons downloading their emails at a subsequent time.

Abstract: Systems and methods are provided for dynamic routing of an automated telephony system. The automated telephony system facilitates functions desired by a caller, via an automated call with the caller. A machine-learning analysis system extracts data from the automated call, performs machine-learning via the extracted data to identify a likely motivation of the caller associated with the automated call, and provides the likely motivation to the automated telephony system. The automated telephony system then receive the likely motivation from the machine-learning analysis system and dynamically routes the automated call based upon the likely motivation.

Abstract: A system and method for collecting and managing property information is disclosed. The system and method allow for buyers, sellers, agents and other parties that may have relevant information for a real estate transaction to collect and/or view property information stored in a property information storage system. The system and method include a virtual property notebook that facilitates collecting data about properties so that the information can be added to the property information storage system. Users are guided through a property using the virtual property notebook running as a software application on a remote device. The remote device can be used to collect image information. Users may be instructed to further inspect a property structure such as an appliance that the system has automatically detected. The system and method further include a prediction system that can provide estimated property values based on collected information.

Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.

Abstract: A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.

Abstract: A system and method for automatically requesting assistance for a user experiencing a medical emergency is disclosed. The system includes a user device with a sensor to detect sensed information. Based on the sensed information the user device can determine if the user is experiencing a medical emergency. The user device can communicate with nearby devices over one or more networks and send information about the medical emergency to the nearby devices. The information can include the type of medical emergency, the location of the user experiencing the medical emergency, and any instructions for providing the user with assistance.

Abstract: A method of inferring the GPS location of a device with a GPS receiver is disclosed. The method includes using signals from two GPS satellites to determine two candidate GPS locations. Geographic information can be used to estimate the probability that the device is at each location. If one of the two candidate GPS locations has a substantially higher probability of being the correct location, that location may be selected as the inferred GPS location. The method may also include making use of additional sensed data that could be provided using sensors onboard the device.

Abstract: Machine learning technology can analyze in real-time the data from a call between a person and a customer service representative. Based on this analysis, a server can determine a sentiment score that describes a sentiment expressed by the person or the customer service representative. If the server determines that the sentiment score is less than or equal to a pre-determined value, the server can inform the customer service representative's manager so that the manager can take further action to help the person and/or the customer service representative.

Abstract: A system and method for reducing wireless traffic among a plurality of IoT devices and an access point is disclosed. The method and system may establish communication among a plurality of Internet of Things (IOT) devices and establish a set of similar IoT devices from among the plurality of IoT devices. One of the similar IoT devices may be designated as a managing IoT device and the remaining IoT devices in set of similar IoT devices may be designated as controlled IoT devices. Wireless traffic from the access point may be transmitted through the managing IoT device to controlled IoT devices. Wireless traffic from the controlled IoT devices may be transmitted to the access point through the managing IoT device. Thus, wireless traffic between the access point and controlled IoT devices is reduced.

Abstract: A system and method for efficiently transmitting signals from a sensing device to a remote device are disclosed. The sensing device includes at least one sensor for sensing information. The sensed information could be associated with heart activity. The sensing device smooths the sensed signal and then calculates the difference between the smoothed sensed signal and a locally stored baseline signal to determine a differential signal, which can be transmitted as a smaller packet of data than the full sensed signal. The remote device receives information associated with the differential signal and uses a local copy of the baseline signal to reconstruct the original smoothed sensed signal.

Abstract: System and methods for pre-fetching data are provided. In one embodiment, an electronic device includes communications circuitry communicatively coupled to a data provider system over a network to obtain streaming data for completion of tasks. The electronic device also includes pre-fetch circuitry that identifies a dead zone in the network; calculates a pre-fetch data size amount based at least in part upon a size of the dead zone; and requests the pre-fetch data size amount of the data, to mitigate lost streaming ability in the dead zone.