Abstract: The disclosed embodiments include a system and method for generating a predictive model and allocating, based on the model's findings, an ideal amount into a user's account. The system includes a user device and a server. The server can retrieve the user's information, analyze the information, generate the predictive model, train the model, calculate a savings amount and allocate the amount to the appropriate account.

Abstract: The present application relates to a semiconductor structure and its forming method. The semiconductor structure comprises a substrate; a first transistor that includes a first channel disposed within the substrate, and a first end disposed at surface of the substrate, the first end being adapted to connect with a first-type storage cell; a second transistor that includes a second channel disposed within the substrate, and a second end disposed at surface of the substrate, the second end being adapted to connect with a second-type storage cell, the second channel having a length greater than length of the first channel. The present application enables fabrication techniques of the first transistor and the second transistor compatible. Moreover, the present application is conducive to enhancing integration density of the storage cells of the first transistor and/or the second transistor in the memory lays foundation for enlarging the fields of application of the memory.

Abstract: Systems and methods for recovery access to lost blockchain wallet seed phrases are disclosed. The systems and methods can store seed phrases for users for future retrieval. In some examples, a decentralized oracle creates an oracle private key that can be used to authenticate a user who is requesting the seed phrase. In some examples, the oracle creates a private/public key pair that can be used to transmit and store an encrypted version of the seed phrase. The authentication steps described herein also include knowledge-based authentication questions about the wallet, e.g., prior transactions using the wallet, value of the wallet, and the like.

Abstract: A system may verify a plurality of electronic utility data records to determine when each of the plurality of electronic utility data records is authentic. The system may determine a proportion of sustainable energy utilization data in each of the verified plurality of electronic utility data records. The system may assign a weighting factor to the determined proportion of the sustainable energy utilization data for each the verified plurality of electronic utility data records. The system may generate a sustainable energy score from the assigned weighting factor for each of the verified plurality of electronic utility data records. The system may rank each of the verified plurality of electronic utility data records by the generated sustainable energy score. The system may determine one or more of the ranked plurality of electronic utility data records above a predefined threshold level, and may provide incentives to computing device(s) associated with such records.

Abstract: Systems and methods for active medical planning and customized budgeting may include a database that stores medical data, an interface, and a processor. The processor may be configured to receive and parse a medical document for medical procedure and related information, implement a learning algorithm to predict, based on the parsed medical and related information as well as the medical data, one or more medical procedures that the user is likely to undergo subsequent to any medical procedures parsed from the medical document, a cost associated with each predicted medical procedure, and a time horizon for each of the one or more predicted procedures, and train the predictive model with feedback from the user.

Abstract: Disclosed embodiments include aspects that relate to supply chain disruption predictions. An individual can identify a product. Product information associated with the product can be compiled and analyzed to determine the composition of the product. Raw material can be identified as part of the product's composition based on the product information analysis. Disruption data for a supply chain of the at least one raw material can be compiled and analyzed. A supply chain disruption can be identified based on the analysis of the disruption data. A transaction can be recommended to the customer based on the supply chain disruption, such as an optimized timing to purchase the product.

Abstract: The present disclosure provides systems and methods for predictive modeling to facilitate peer-to-peer distributed guarantor marketplaces. Example embodiments provide for generating a predictive model configured to calculate a coverage amount associated with a lease agreement. Example embodiments further provide for collecting lease information, gathering responses from guarantors, analyzing lease information and the guarantor responses, generating a predictive model, and calculating a coverage amount.

Abstract: In some implementations, a device may obtain interaction data for an evaluator in a communication session with an individual based on interactions of the evaluator with the individual during the communication session, wherein the evaluator is to provide the evaluation of the individual. The device may obtain evaluation information identifying the evaluation of the individual by the evaluator. The device may determine a degree of bias of the evaluator toward the individual during the communication session based on at least the interaction data. The device may adjust the evaluation of the individual based on the degree of bias of the evaluator.

Abstract: Systems and methods for active web-based content filtering may include a memory storing user restrictions and dislikes, an interface, and a processor communicatively coupled to a backend server. The processor may implement a web browser add-on that parses content from an incoming webpage and compares that content against the user restrictions and dislikes to determine undesired incoming webpage content, and create a filtered webpage by removing the undesired incoming webpage content, and display the filtered webpage to the user.

Abstract: Systems and methods for implementing a single step processing for two-step transactions involving an initial and a final amount. The proposed systems and methods incorporates a built-in logical operations and parameter acquisition scheme for identification of two-step transaction and internal computation of the final amount based on user specified logical operations and input parameters. Data values, corresponding to the input parameters, may be dynamically extracted from the transactions string and/or obtained from one or more applications running on the user device, and subsequently, processed with the specified logical operations to generate a final transaction amount from the initial transaction amount referenced in the transaction request. The final transaction amount may then be validated and a single authentication response transmitted to a payment gateway initiating the request.

Abstract: In a method of facilitating product exchange transactions, an exchange facilitation system uses product return transaction data to establish a machine learning-based return transaction model using. The exchange facilitation system receives a request to purchase a desired product from a first purchaser user device. The exchange facilitation system determines an exchange offer recommendation using the machine learning-based return transaction model and information from the request to purchase. The recommendation includes an exchange offer including a proposed wait interval duration. The exchange facilitation system transmits the exchange offer to and receives an exchange offer response back from the first purchaser user device. Responsive to receiving a positive exchange offer response, the exchange facilitation system initiates a product exchange wait interval limited to the wait interval duration.

Abstract: Systems, apparatuses, and methods are described for adjustment of card configurations for flight interruptions. Past flight interruptions that users experienced may be determined. Transactions conducted via the users' payment cards during the past flight interruptions may be determined. The data may be used for determining customized metrics for adjusting card configurations of the payment cards during current flight interruptions. Default metrics for adjusting card configurations of the payment cards during current flight interruptions may be determined. Current flight statuses may be monitored for the users. Current flight interruptions may be detected for the users. Card configurations of the payment cards may be adjusted during the detected current flight interruptions.

Abstract: The present disclosure provides an electronic device and a display panel. The display panel includes a transition display region and a transparent display region. First pixel driving circuits are placed in the transition display region. Dummy pixel driving circuits are placed in the transition display region. One of the dummy pixel driving circuit is adjacently placed within a predetermined distance from at least one side of the first pixel driving circuits arranged along the second direction. This could reduce the environment difference between the pixel driving circuit close to the light sensing region and the pixel driving circuit inside the transition display region and thus reduce the luminance difference between the first display pixels controlled by the pixel driving circuit close to the light sensing region and the first display pixels controlled by the pixel driving circuit inside the transition display region.

Abstract: In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.

Abstract: In some implementations, a device may determine an interaction profile for a provider that is to engage with a user in a communication session. The interaction profile may be based on interaction data relating to interpersonal interactions involving the provider during one or more previous communication sessions. The interaction profile may indicate a bias of the provider in connection with one or more categories of users. The device may generate, based on the interaction profile, a visual representation that depicts at least a face of a person for presentation to the provider during the communication session. One or more characteristics associated with the one or more categories of users may be absent from the face of the person. The device may cause presentation of the visual representation to the provider during the communication session.

Abstract: Disclosed embodiments relate to a smart video conference environment. A live video of a conference participant can be segmented into a foreground, including the participant, and a background that excludes the participant. The background can be replaced by a virtual background determined based on one or more factors. The factors can include context data acquired from a calendar, content based on the context data, and transaction history. Further, interaction amongst conference participants can be monitored and utilized to update the background in one instance based on topics of conversation. Interactive content presented in the virtual background permits interaction by participants with the background. Furthermore, content can also be overlaid on the participant and the background in one instance.

Abstract: Disclosed embodiments pertain to automated payment splitting. A bill to a user for goods or services can be detected. Contacts that are collocated with the user can be determined via social media image analysis. A notification can be sent to the contacts to join a payment group. The payment group can be created upon receiving a response to the notification. A split payment rubric can be determined for the payment group. The split payment rubric can enumerate payment responsibilities of each person in the payment group using social media image analysis. Payment of the bill can be completed via a split payment amongst the payment group according to the split payment rubric.

Abstract: Disclosed aspects pertain to demand-equilibrium-based pricing. Transaction data associated with a merchant can be utilized to generate and train a pricing model. The pricing model can be invoked to determine a pricing schedule for a set of items offered by the merchant. The pricing schedule can set prices of items based on the time of day and the transaction rate of the merchant. The pricing schedule can be implemented with the merchant through a digital display. The pricing schedule can also be updated such that prices for the items offered by the merchant can change based on the time of day to achieve a target transaction rate through the merchant's business hours.

Abstract: The disclosed technology relates to assessing and securing credit risk using creditworthiness tokens issued in a blockchain network responsive to particular financial events. An exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. An event query may be sent to an oracle device external to the blockchain network. The event query may include the identity. Event data associated with the identity may then be received from the oracle device in response to the event query. A number of creditworthiness tokens is determined based on an application of the allocation parameters to the event data. The determined number of creditworthiness tokens is then allocated to the identity via the first wallet address. Thereafter, the creditworthiness tokens can be transferred or collateralized, e.g., and can represent creditworthiness for the identity across financial institutions.

Abstract: Systems and methods for identifying malicious cryptographic wallet addresses are disclosed. The systems and methods can receive a first plurality of tokens and an indication of a potentially malicious cryptographic wallet address from a requesting user. The system can identify a plurality of associated wallet addresses, and compare the associated wallet addresses to a stored list of malicious cryptographic wallet addresses. The system can determine a subset of the identified associated cryptographic wallet addresses that are malicious and assign a maliciousness rating to the potentially malicious cryptographic wallet address. The system can provide the maliciousness rating to the requesting user.