Abstract: Methods and systems for suggesting merchandise to a shopper are based on a match between a portion of a three-dimensional (3D) avatar representing the shopper that is relevant to the merchandise, and the corresponding portion of a 3D fit avatar used by a designer and/or manufacturer to create the merchandise or associated with the merchandise by the designer and/or manufacturer.

Abstract: Provided are an information recommendation method and apparatus. According to historical data, an information recommendation apparatus identifies a pair of matching items so as to determine a cross-category relationship of items; the item cross-category relationship is used to construct item match contexts; an item context portrait and a user context portrait are used to sort the match contexts; the items in the match contexts are sorted according to the feedback behavior of the user concerning the items in the match contexts; the sorted match contexts are recommended to the user.

Abstract: Systems and methods are disclosed that provide for a linking of a product database across different search platforms and then managing payments by a generalized search entity such that users are not transitioned to a merchant site from advertisements or search results. A method includes establishing, at a generalized search entity, a link to a product database of a merchant, offering, by the generalized search entity and based on a correlation of search terms to the product database of the merchant, search results across at least a first search platform and a second search platform and receiving, from a user, a confirmation of a payment for a product associated with a search result presented on the first search platform by the generalized search entity. The generalized search entity processes the payment for the product without transitioning the user to a site operated by the merchant.

Abstract: A change detection means 840 detects an area of change in a product shelf on which a product has been arranged, on the basis of a captured image of the product. A classification means 850 classifies the change in the product shelf in the detected area of change. A shopping list generation means 860 generates a shopping list for a customer on the basis of the classification of the change in the product shelf and of shelving information on the product shelf.

Abstract: Gesture functionality is provided in a computing environment. In example embodiments, a gesture input is received. A style difference is identified between a known gesture input of a set of known gesture inputs and the received gesture input. The set of known gesture inputs is caused to be modified to include the style difference by updating a database that stores the set of known gesture inputs.

Abstract: This technology establishing, by the computing device, one or more communication links with one or more vendor computing systems based on selected category-and-subcategory data for selected brand data in a customized shopping preference data set associated with a digital identifier. The customized shopping preference data set is solely based on consumer input data associated with the digital identifier and comprises the selected category-and-subcategory data for selected brand data, consumer characteristic data, and one or more types of notifications related to the selected category-and-subcategory data.

Abstract: In various example embodiments, a system and method for enhancing a user's on-line experience by utilizing a computer-implemented on-line session trace system is provided. The on-line session trace system is provided in connection with an on-line trading platform. The on-line session trace system records and stores a state of an on-line session associated with a user identification and permits a user associated with the user identification to commence a further on-line session from a state corresponding to the saved state of a previous on-line session.

Abstract: In one embodiment, a method includes accessing one or more order parameters associated with a first user, the order parameters including one or more user-specified parameters. The method includes determining a user preference vector for the first user. The method includes accessing references to catalog items offered by one or more vendors. Each reference is associated with one or more metadata items provided by the respective vendor. The method includes providing a first reference to a client system of the first user based on at least a comparison of the one or more order parameters, the user preference vector, and the one or more metadata items corresponding to the first reference.

Abstract: Systems and methods are provided for object discovery and object mapping through an application with a Graphical User Interface (GUI). Objects are discovered through an object recommendation channel and through user input of key words and/or key phrases. Each object includes an Intensity of Interest (IoI), which is a relative preference for an object reflected by relative size in the object map. Additionally, the object map provides a visual display which indicates relationships among objects.

Abstract: A computer-implemented method for providing electronic recommendation engines and displays of an apparel subscription application may comprise determining a status of the user as being a valid user of electronic closet recommendation engines and displays of an apparel subscription application; determining, if the user is a valid user, a presence of apparel data in an assistant section of an electronic record corresponding to the user in a database of the electronic closet recommendation engines and displays; and launching the assistant section of a user interface of the apparel subscription application, if the apparel data is present in the assistant section of the electronic record.

Abstract: A first type of data regarding an unidentified product is collected. A first type of analysis on the first type of data is performed. A second type of data regarding an unidentified product is collected. A second type of analysis on the second type of data is performed. Based upon the first type of analysis on the first type of data and the second type of analysis on the second type of data, product identification for the unidentified product is performed. Based on the product identification, an identity of the unidentified product is output. A user is enabled to perform a business interaction with a product matching the identity of the unidentified product.

Abstract: A digital system for mixing and matching items visually to create new combinations is disclosed. The system allows a registered user to spin a plurality of stacked carousels showing approximately how the items would look when worn by a person. The registered user may spin the carousels displayed on a display screen to select items to purchase or rent from various Item Sources, such as Vendors, Retailers, Brands, and other Registered Users. The registered user can then share outfits with other Registered Users. The Registered Users may also upload images and information of items from their own closets into their virtual closets to display, sell or rent to other Registered Users.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for dynamically managing data associated with transactions of wearable items. For example, a method may include receiving wearable item data from one or more electronic tenant interfaces, hosting an electronic warehouse operations portal and/or an electronic administrative portal, receiving one or more electronic user transactions initiated at one or more user platforms, updating one or more transaction databases and one or more analytics databases, based on the one or more electronic user transactions, receiving one or more wearable item operations requests, initiating one or more microservices to fulfill the one or more wearable item operations requests, and updating at least one of the one or more transaction databases and one or more analytics databases based on completion of the one or more wearable item operations requests.

Abstract: An example operation may include one or more of receiving, at a server, first data from at least one sensor associated with a transport wherein the first data contains at least one condition of the transport, receiving a second data from the server and the second data contains at least one review of a user, determining a rating of the user based on the first data and the second data, receiving a query from another server relating to the rating of the user, sending a response containing the rating, and performing an action, by the another server, based on the rating.

Abstract: An example operation may include one or more of applying a user profile to one or more transports and a transport management database, monitoring user requirements and user usage of the one or more transports over a period of time, identifying a plurality of transport profiles stored in a transport availability pool of the transport management database, identifying a proposed fractional ownership of one or more of a plurality of transports identified in the transport availability pool based on the monitored user requirements and user usage of the one or more transports, and providing the proposed fractional ownership of the one or more of a plurality of transports identified in the transport availability pool to a user device associated with the user.

Abstract: A server receives, from a communication terminal of a first user, reception request information that indicates a request for reception of electric power, transmits, to a plurality of communication terminals, solicitation information for soliciting a user who wishes to supply the electric power based on the reception request information, receives, from a communication terminal of a second user, application information as a response to the solicitation information, and transmits the application information of the second user to the communication terminal of the first user. Each of the reception request information and the solicitation information includes information related to a requested date/time of reception of the electric power, a requested place of reception of the electric power, and an electric power amount of a portable electric power supply apparatus that supplies the electric power.

Abstract: Systems, methods, and non-transitory computer-readable media can initiate an auction provide content to a user. One or more bids are received from one or more bidders. A winning bid associated with a winning bidder is determined based on the one or more bids. The winning bidder is provided with a token authorizing the winning bidder to provide content to the user.

Abstract: This disclosure describes techniques for using a computing device to occasionally, periodically, and/or continuously negotiate terms of financial agreements, such as those relating to a financial product or service offered by a bank or other financial institution. In one example, this disclosure describes a method that includes receiving a first indication of audio input associated with a user; generating, based on account information associated with the user, a proposal relating to a financial product, wherein the proposal includes a request for information; sending, over the network, information about the proposal; responsive to sending the information about the proposal, receiving, the network, a second indication of audio input including offered information responsive to the request for information; storing the offered information; and adjusting the account information associated with the user to reflect acceptance of the proposal.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for deferred resource management platform for individual users receiving term specific deferred resource opportunities. Upon receipt of a potential deferred resource, the system may specific criteria for receiving the resources in the future at a receiving entity. The system provides a trackable network for connections between parties to maintain a directory format for filtering and alerting the parties of criteria being reached, timelines, and the like associated with the resource distribution. The system provides proof of the criteria being reached and approves the resource distribution at the appropriate time.

Abstract: Real-time resource distribution/availability for a resource event that typically would otherwise incur a standard delay period in resource availability. The invention generates a resource depository and provides the resource depository with resources in an amount at least equal to the output of the resource event incurring the delay period. The resources in the resource depository are immediately available as an input another pending resource event. In addition, the present invention provides for implementing machine learning and/or artificial intelligence to determine which resources to use as the input for the resource event that incurs a delay period and/or the timing for conducting the resource event that incurs the delay period and/or the pending resource event.

Abstract: A device may determine a behavioral pattern of an account over a past time period based on data relating to one or more transactions associated with the account. The device may identify one or more quantitative features of the behavioral pattern and one or more spatial features of the behavioral pattern. The device may determine an account type cluster to which the account belongs, based on the one or more quantitative features and the one or more spatial features identified. The device may determine, based on the account type cluster that is determined, a model for processing the behavioral pattern. The device may predict, using the model that is determined, an amount of funds that is likely to remain in the account during a future time period. The device may perform one or more actions based on the amount of funds that is predicted.

Abstract: A system for enabling users to register to use external financial services comprises a central office comprising an operating platform including a communication interface and a user database having a plurality of records for individual users; wherein the central office communicates via the communication interface with a plurality of remote formless, self-service registration stations; whereby a registration station scans an identification card with a card scanner, photographs the user to create a verification image and records a biometric parameter unique to the user, whereupon the registration station transmits an image of the identification card, the biometric parameter and the verification image to the central office; wherein the operating platform translates text from the identification card and creates a record for the user and wherein the operating platform uses the translated text to populate fields in the user record and retrieves and displays the record to an administrator for review.

Abstract: A method for real-time processing of pre-qualification data is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a vehicle and personal data for the entity; obtaining value data for the selected vehicle; obtaining pre-qualification information for the entity based on the personal data for the entity and the value data for the selected vehicle; determining, based on the pre-qualification information for the entity, that the entity is qualified; and in response to determining that the entity is qualified, sending, to a computing system associated with a dealer for the selected vehicle, a pre-populated resource request, the pre-populated resource request including at least a portion of the personal data.

Abstract: Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.

Abstract: A method of determining whether or how to present a loan offer to a user includes determining, by at least one processor, whether or how to present a loan offer to a user on the basis of the user's financial demand.

Abstract: The disclosed embodiments relate to performance of no application account tasks. A no application account task can include opening a new account for a client. A provider may retrieve client information associated with a client and determine whether the client is approved for one or more products offered by the provider. The new account can be generated by mapping information relating to the new account with a client identifier associated with the client. The client interface can be updated to include a display of the first product that is capable of being selected by the client or to confirm that a new account has been created.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: A method for optimizing a credit rating indicator group based on the maximum default identification ability measured by Fisher Score is disclosed. The maximum default identification ability measured by Fisher Score of the credit score is used as the standard for optimizing an indicator group. After the indicators reflecting information redundancy are removed, the Fisher Score values of all the indicator groups formed are compared by the traversing method, and the group of indicators with the maximum Fisher Score value of the default identification ability of the credit score is selected as the optimal indicator group. The method of the invention ensures the maximum overall default identification ability measured by Fisher Score of the credit rating system, and provides a decision basis for all investors such as banks and individuals to effectively identify credit risks.

Abstract: Disbursements in an electronic reverse mortgage application may be prioritized. When a borrower applies for a reverse mortgage, the borrower submits the electronic reverse mortgage application. At closing the borrower will receive one or more disbursements (such as cash at closing, a monthly disbursement, and/or a line of credit). The borrower or other user, however, may prioritize the multiple disbursements according to a disbursement priority. The borrower or other user establishes or assigns different disbursement priorities to the cash at closing, the monthly disbursement, and/or the line of credit. Available proceeds of the reverse mortgage are calculated, and then the various disbursements are calculated according to the disbursement priorities.

Abstract: Disbursements in an electronic reverse mortgage application may be prioritized. When a borrower applies for a reverse mortgage, the borrower submits the electronic reverse mortgage application. At closing the borrower will receive one or more disbursements (such as cash at closing, a monthly disbursement, and/or a line of credit). The borrower or other user, however, may prioritize the multiple disbursements according to a disbursement priority. The borrower or other user establishes or assigns different disbursement priorities to the cash at closing, the monthly disbursement, and/or the line of credit. Available proceeds of the reverse mortgage are calculated, and then the various disbursements are calculated according to the disbursement priorities.

Abstract: A computer-implemented method includes providing certified financial data indicating financial risk about an individual. The method includes electronically collecting financial account data about the individual from at least one financial source. The method includes transforming the financial account data into a desired format. The method includes validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk. The method includes marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions.

Abstract: A method executed by a computing device includes determining to update a set of longevity-contingent instruments. The method further includes verifying of a blockchain-encoded record representing an available longevity-contingent instrument to produce an authenticity indicator. When the authenticity indicator is favorable, the method further includes determining to include the available longevity-contingent instrument in the set of longevity-contingent instruments to produce an updated set of longevity-contingent instruments. The method further includes updating the blockchain-encoded record to include selection information. The method further includes riving the available longevity-contingent instrument to reassign a face value benefit from an ownership entity to a benefit entity and to reassign a premium payment stream from the ownership entity to a sponsor entity, where a beneficial valuation elevation is created.

Abstract: Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to determine a total entity risk value representing a risk position of an entity comprising at least one segment, generate a plurality of risk tokens, each of the plurality of risk tokens having a token value that is a portion of the total risk value, determine a total segment risk value for the at least one segment, the total segment risk value representing a portion of the total entity risk value allocated to the at least one segment, and distribute the plurality of risk tokens to the at least one segment of the entity to correspond with the total segment risk value. Other embodiments are described.

Abstract: Systems and methods for controlling use of a credit pool in connection with electronic trading in a plurality of product groups via a set of match engines are described. Credit data indicative of a current magnitude of the credit pool is obtained. A plurality of allocations of the credit pool are determined, based on the credit pool, across the plurality of product groups. For each allocation of the plurality of allocations, allocation data indicative of the allocation is provided to a respective credit controller of a set of credit controllers. The respective credit controller is disposed at a respective match engine to which a respective product group of the plurality of product groups is assigned. The use of the credit pool for an incoming order in a respective product group is thus limited in accordance with the allocation data provided to the credit controller at the respective match engine.

Abstract: Message processing is described, in which each of first and second computer systems have a message operator configured to process messages to manage a data structure having a state determined via the processing. The message operator of the first computer system is configured to reroute unprocessed messages to the message operator of the second computer system such that the message operator of the second computer system establishes an order of an input message stream and a current state of the data structure arising from the input message stream. The message operator of the second computer system is configured to, once the current state is established, send the messages of the input message stream to the message operator of the first computer system in accordance with the established order such that the current state of data structure is recreated by the message operator of the first computer system.

Abstract: An electronic transaction system includes a plurality of administration servers, a terminal, a transaction server. The plurality of administration servers provides an electronic bulletin board. The terminal writes bid data including an encrypted price to the electronic bulletin board. The transaction server gets the written bid data, decrypts the encrypted price, executes transaction using the decrypted price by Zaraba scheme.

Abstract: A client terminal displays a trading screen interface and an annotation interface in relation to the trading screen interface. The annotation interface allows a trader to enter trade-related annotations in a quick and efficient manner or flag a predetermined time and input annotations to be associated with the flagged time a later time, while the trading screen interface allows the trader to make trades at the most favorable prices and in a speedy manner. The annotation interface may alternatively not be displayed and allow for audio input.

Abstract: Described herein are embodiments of an investment system that acquires securities on behalf of a person based on information regarding commercial activity in which a person may engage. In some embodiments, the investment system may acquire securities on behalf of a purchaser based on information describing purchases made by the purchaser. In other embodiments, the investment system may electronically receive information regarding one or more commercial activities in which a person engages. Such commercial activities in which the person may engage may include visiting a store with or without making a purchase at the store, visiting a commercial website at which goods or services may be purchased with or without making a purchase via the website, posting on a website or a social network information related to a commercial organization, other activities in which the person interacts with a commercial organization or goods/services offered by a commercial organization.

Abstract: Real time or near real time assessment of the quality of securities transactions is accomplished by intercepting order and execution communications between trader and broker, comparing the execution data with contemporaneous market data relative to the transaction or transactions involved, and informing the trader of that comparison. This is accomplished without interrupting or impeding the trader-broker communications, except that a broker-trader communication may, if desired, be interrupted and relevant data aggregated until the aggregate reaches a desired value. It is preferred that the comparison be between the volume-weighted average price of the securities transaction and the volume-weighted average price of the market data for that security, over the life of the order. A particular effective way to communicate the quality evaluation to the trader is disclosed.

Abstract: Various embodiments are directed to utilizing an objective impairment injury score risk model. A computing device may receive injury data from a user. The computing device may then perform a security action that protects against unauthorized sharing of the injury data by storing the injury data as a group of linked blocks in a distributed computing system. The computing device may then utilize a machine-learning model to generate a set of questions for the user. The questions may be utilized to determine weighting factors associated with the injury data. The computing device may then utilize the machine-learning model to determine an impairment injury score based on the weighting factors. The may include an objectively determined value associated with a degree of impairment resulting from an injury described in the injury data. Finally, the computing device may display an injury risk management report, based on the score, to the user.

Abstract: A policy issuance architecture processes cancellation requests for cancelling insurance policies maintained by the policy issuance architecture. The policy issuance architecture includes several multi-tiered data structures, wherein each multi-tiered data structure corresponds to a particular geographic region. The policy issuance architecture references a particular multi-tiered data structure based on the geographic region associated with an identified insurance policy. The policy issuance architecture uses the particular multi-tiered data structure to populate various selectable fields used to create a cancellation request for the identified insurance policy. After the values of the selectable fields have been selected and/or entered, the policy issuance architecture verifies the values to ensure that the cancellation request has been properly configured. Upon submission of the cancellation request, the policy issuance architecture associates the cancellation request with the identified insurance policy.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.

Abstract: An automated computer-implemented insurance tracking process comprising allowing an insured to select insurance-related information that can be shared with a particular requestor, automatically saving the selected insurance-related information in a computer memory, and automatically providing, to the particular requestor, digital access to the saved information.

Abstract: It is desirable to provide a technology for enabling to make a reply to a received message by simple operation. There is provided an information processing device including an output control unit that, in a case where a received message has been obtained through a communication unit, controls display of first and second candidates of a transmission message, and sets the first candidate as a candidate in a selected state, in which: in a case where first pressing force has been detected by a first pressure sensor, the output control unit switches the candidate in the selected state from the first candidate to the second candidate; and in a case where second pressing force has been detected by a second pressure sensor, the output control unit controls the communication unit in such a manner that the candidate in the selected state is transmitted as the transmission message.

Abstract: Aspects of the disclosure relate to multicomputer processing of vehicle operational data from telematics devices and other sources with centralized event control. An event control computing platform may receive vehicle operational data from a telematics device associated with a user. Subsequently, the event control computing platform may identify, based on the received data, whether at least one criterion associated with the user has been satisfied. If the received data indicates that the at least one criterion associated with the user has been satisfied, then the event control computing platform may generate a command configured to cause a change to a subunit of user data and then may transmit the generated command to a subunit provisioning server.

Abstract: Systems, methods, and non-transitory computer readable media are configured to determine a skill level of a user. One or more features can be selected based on the skill level. Subsequently, one or more of the features can be activated for a page on a social networking system.

Abstract: A real estate services communication system and method for improving the efficiency of real estate home showings. The real estate communication system is typically comprised of at least one seller agent device, at least one showing agent(s) devices, and application software. When a selling agent receives a buyer request to be shown a property, the selling agent can send out the request to show the property to a selected showing agent in the selling agent's network, who can then show the buyer the property. This system provides the selling agent a more efficient way to show properties, the buyers more conveniently arranged showings, and the showing agent a convenient source of extra income.

Abstract: A routing processor implements a multi-stage prescriptive routing model engine based on harvest input data relating to the harvesting of crops at a plurality of locations by a plurality of combines and based on a harvest characteristic representing an attribute of the crops to be harvested by the combines. The multi-stage prescriptive routing model engine generates a combine routing program prescribing the movement of each combine between the locations and includes a demand stage configured to identify combine harvesting demand as a function of the harvest input data and the harvest characteristic and a scheduling stage configured to generate the combine routing program as a function of the harvesting demand.

Abstract: Systems and methods for advanced energy settlements in electric power grid are proposed. At least one energy customer, at least one retail electric provider and at least one distributed generator connect to an advanced energy settlement platform communicatively. The advanced energy settlement platform is operable to summate a customer balance from all the settlement blocks during a billing period and collect payments from the at least one energy customer automatically; aggregate and settle distributed energy charges with distributed generators and fixed energy charges with the energy retailer or retail energy provider for the at least one energy customer during the billing period. The advanced energy settlement platform also provides interactive graphical user interface for different participants in the advanced energy settlement and for advanced energy settlements application development kit (ADK) for access to functionality within the advanced energy settlement platform.

Abstract: A method for providing information based on geographic parameters is disclosed. The method includes providing a map. A user-defined position on the map is received. Data of a first type, wherein the first type data relates to the user-defined position on the map, is provided.