Abstract: A network of computing nodes and a method of operating the computing nodes effectuate, in real-time, an international, money transfer from the bank account of a first person (the payer) in a first country to the bank account of a second person (the beneficiary) in a second, different, country.

Abstract: The invention relates to distributed ledger technologies such as consensus-based blockchains, for example, a Bitcoin blockchain. Computer-implemented methods for a trustless, deterministic state machine that is embodied by the locking script of a spending transaction are described. The spending transaction transfers control of at least one digital asset or portion thereof. The spending transaction references a previous transaction that includes a locking script with a bytecode sequence. The spending transaction also includes a locking script with the same bytecode sequence. The spending transaction can be validated by verifying that the bytecode sequences of the locking scripts of the spending and previous transactions match one another. Control of the at least one digital asset or portion thereof can be transferred as a result of execution of the locking script. For example, the locking script can impose a set of conditions for validation of the spending transaction.

Abstract: An order execution server for stock trading includes a data collection unit configured to collect trading data on at least one item, a subsidiary prediction value generation unit configured to generate a subsidiary prediction value by inputting the trading data into a pre-trained first deep learning model based on supervised learning, an order execution strategy deriving unit configured to derive an order execution strategy for the at least one item during a current period of time based on the trading data and the subsidiary prediction value by using a pre-trained second deep learning model based on reinforcement learning; and an order execution instruction unit configured to instruct order execution for the at least one item during the current period of time by using order information including the order execution strategy.

Abstract: An order execution server for stock trading includes a data collection unit configured to collect trading data on at least one item, a model generation unit configured to generate a reinforcement learning-based deep learning model including two or more actors which are neural networks that determine an action policy of a reinforcement learning agent and a critic which is a neural network that estimates an action value of the reinforcement learning agent and train the reinforcement learning-based deep learning model to derive an order execution strategy for the at least one item based on the trading data and an order execution unit configured to perform order execution for the at least one item during a current period of time by using order information including the order execution strategy.

Abstract: A system and method for conducting a home equity sales (HES) program enables a real estate property owner to sell a partial equity ownership interest in a real estate property. This allows the property owner to sell the interest outright to an investor and receive compensation for the sale of the interest. The property interests of the property owner and the investor are both recorded in property records relating to that particular property. The property owner may sell multiple interests in the same property and an investor may also purchase these multiple interests.

Abstract: A fair exchange is disclosed to reduce potential inequities in an electronic trading environment. Market data is sent from a host system to client devices through one or more synchronized local communication servers such that the data can be displayed simultaneously or nearly simultaneously at each client device. Market data sent to client devices might include price information. Likewise, a host system may transaction data sent from client devices via the local communication servers. The ordering of transaction data is based, at least in part, on when the local communication servers received the transaction data from the client devices. Transaction data sent to a host system might include order information.

Abstract: A method executed by a computing device includes verifying authenticity of an asset blockchain-encoded record representing sub-assets to produce an asset authenticity indicator and verifying authenticity of a liability blockchain-encoded record representing sub-liabilities to produce a liability authenticity indicator. When the asset authenticity indicator and the liability authenticity indicators are favorable, the method further includes riving another longevity-contingent instrument for inclusion in a set of longevity-contingent instruments to produce updated sub-assets and updated sub-liabilities. The method further includes updating the asset blockchain-encoded record to represent the updated sub-assets and updating the liability blockchain-encoded record to represent the updated sub-liabilities.

Abstract: According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, electronic data including buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by electronically determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding one or more trading orders. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an electronic alert message may he sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily.

Abstract: An apparatus for routing trading orders comprises a memory and a processor. The memory stores first trading information associated with a first buy order placed with a first market center. The first buy order is associated with a product and the first trading information comprises a disclosed quantity of the product and a reserved quantity of the product. The memory also stores second trading information associated with a second buy order placed with a second market center. The second buy order is associated with the product and the second trading information comprises a disclosed quantity of the product and a reserved quantity of the product. The processor is coupled to the memory and receives a sell order associated with a quantity of the product. The processor further cancels at least a portion of the second buy order placed with the second market center for placement with the first market center.

Abstract: Versatile Financial Mechanisms and Transactions Generators and Interfaces (VFMTGI) involve the creation of effective apparatuses, methods, and systems for solutions to create and/or leg complex versatile financial mechanisms. The VFMTGI facilitates user removal of significant transactional risk exposure as the methods, systems and apparatuses facilitate user data entry into spreads that represent alternative futures. Aspects of an implementation of the VFMTGI facilitate investor execution and completion of multiple financial transactions, simultaneously, as a single transaction. The methods, systems and apparatuses facilitates simplification of complex transactions.

Abstract: A financial instrument. A new type of financial product is disclosed. A method and system of administering a financial product where the pay-off of the product at expiration is based on a model value of some financial product expiring at a later date. The new product is named “ideal expiration derivative.” Ideal expiration derivatives, by design, are easier to hedge and risk manage. A method also includes generating, using the computer processor, prices, payments and/or hedges of ideal expiration derivatives.

Abstract: A delayed reward savings system wherein a required or selected amount above a normal amount for a financial instrument is paid by an individual and transferred and maintained in an individual's reward savings account. Funds in the individual's rewards savings account are released to the individual based upon the occurrence of a predetermined circumstance or criteria.

Abstract: Disclosed is a method for cancelling an insurance policy that includes: detecting whether a preset cancellation condition of an insurance policy is satisfied when the insurance policy is under an insurance-applying status or under a to-be-underwritten status; acquiring a corresponding cancellation period of the insurance policy if the preset cancellation condition of the insurance policy is satisfied; detecting within the cancellation period whether a first change instruction is received which first change instruction is intended to change the status of the insurance policy so that the preset cancellation condition of the insurance policy is no longer satisfied; and cancelling the insurance policy when the first change instruction is not detected. Further disclosed are a device for cancelling an insurance policy, an insurance system, and a computer-readable storage media.

Abstract: A system and method that utilizes telemetric data for the dynamic pricing of insurance premiums for arbitrary and optionally multiple perils which receives telemetric data from sensors and other sources of data, analyzes the data for changes in risk associated with a parameter of an insurance policy, and dynamically adjusts policy premiums to account for individual policy risks as well as accounting for risks within the insurer's complete portfolio.

Abstract: An electronic pharmacy adjudication system and associated method and computer program product for performing adjudication service for a healthcare insurance claim is provided. The system includes an interface layer, an orchestration layer and a service and rules engine layer configured for receiving, processing and releasing an adjudication decision. The orchestration layer processes the healthcare insurance claim to generate a sequence of service calls to the service and rules engine layer to derive a sequence of partial decision results, which are derived by processing a set of parameters identified by the service call according to a corresponding subset of decisions rules in a rules repository. The sequence of partial decision results is then processed to derive the adjudication decision corresponding to the healthcare insurance claim.

Abstract: In an illustrative embodiment, an automated system performs a multi-level risk exposure analysis for geographic locations, such as property locations. The system may include computing systems and devices for calculating, for locations in a portfolio, risk exposure amounts for an area that includes an insured location and including an analysis radius and identifying regions of interest having risk exposure amounts that exceed predetermined amounts due to combined exposure from a portion of the insured locations. The system may generate a grid of intermediate points that is applied to each region of interest. The system may calculate amounts of risk exposure for each of the intermediate points and retain any intermediate points with risk exposure amounts that exceed the amounts for the insured locations. The system may output a risk exposure analysis based on the risk exposure amounts for the insured locations and intermediate points of interest.

Abstract: Methods and devices for submitting data to a system for simplified, verifiable compilation of photographs and related data of lost items to be claimed through an insurance company. One method may include the process performed by a claimant to make a claim for a lost item. The claimant uploads at least one photograph for the claimed item in an account for the claim. The claimant further inputs descriptive data corresponding to the one or more photographs. The descriptive data and one or more photographs are then processed and sent to an independent insurance adjuster.

Abstract: An artificial intelligence-based multi-channel system and method to evaluate a buyer or consumer's intent to purchase benefits products. The system and method determine the buyer or consumer's needs, identifies and presents relevant benefits products based on eligibility to the buyer or consumer. The system and method can transfer the buyer or consumer to a producer to facilitate an enrollment process for the benefits products.

Abstract: Apparatus and associated methods related to interacting with multi-dimensional data stores related to tangible objects (TOs) in real environments (REs) through associated representative objects (ROs) in representative maps (RMs). In an illustrative embodiment, one or more RM is generated representing one or more corresponding RE, and one or more TO is identified in the RE and associated with one or more corresponding RO in the RM(s). Various information, located across multi-dimensional data stores, related to the TOs and REs may be linked to one or more ROs and RMs such that the user may access the information through the ROs and RMs.

Abstract: An anthropomorphic, artificial intelligence-based system and method to quote, compare, and purchase personal lines and commercial lines property and casualty insurance or benefits products and services and quoting, comparing, purchasing, or transferring residential services using a cognitive virtual assistant. The system and method collects information from an online advertising platform during the process and returns the collected information to the online advertising platform for optimization of the online advertising platform.

Abstract: This system is directed to the management of insurance information, risks and coverage, wherein a set of non-transitory computer readable instructions included in a kiosk disposed at the construction site can include instructions for creating a certificate of insurance according to a determination that the insurance requirements have been met and storing the certificate of insurance in the distributed ledger.

Abstract: Provided is a process of inferring insurability scores, the process including: receiving a request for an insurance comparison webpage; sending instructions to present one or more webpages of a web site having a plurality of user inputs configured to receive a plurality of attributes of the user; receiving the attributes; determining an insurability score with an insurability model based on the received attributes of the user; and sending instructions to display a value indicative of the insurability score.

Abstract: The systems and methods may transmit a plurality of locationing pulse requests from a mobile device in a vehicle to an audio system of the vehicle during a period of operation of the vehicle. The audio system may have an array of speakers disposed inside the vehicle, and the locationing pulse requests may include a request to emit a locationing pulse from the array of speakers. The systems and methods may further receive the locationing pulse at a microphone of the mobile device; and determine, based upon receiving the locationing pulse, that the vehicle was in service of a TNC company, or otherwise operating as a TNC vehicle, during the period of operation based upon passengers entering and leaving the vehicle during the period of operation. Insurance covering the operation of the vehicle for TNC use may be verified, and/or alternatively, offered to facilitate insuring TNC vehicle operation.

Abstract: A system and method of tracking sales tax. The present invention separates and logs each sales tax for each purchase, which eliminates the need for keeping physical receipts on a yearly basis and having to tally sales tax when preparing tax returns.

Abstract: A method and system trains, with a machine learning process, an analysis model to detect anomalous behavior of tax professionals affiliated with a tax return preparation system. The analysis model is trained with a training set that includes contextual and behavioral data for a plurality of historical tax professionals. The trained analysis model then analyzes and generates risk scores for current tax professionals based on current behavioral and contextual data associated with the current tax professionals.

Abstract: The present invention provides a system and method for presenting global issues to users and followers of a social media platform, allowing the users and followers to provide viewpoints on the global issues, and analyzing the various viewpoints to develop statistical data including the location of those providing viewpoints. The present invention also allows a user to present a global issue for consideration by users of the platform, for example, a social media internet-based website, and allows followers of the user to provide their viewpoints on such global issue. Simultaneously, the location of said followers will be collected and collated along with their responses.

Abstract: “Wanna Hang” is a social network that can help create more effective connections between people, through new and interesting tools. It is addressed to both individual users and businesses, that can interact creating/attending events, get real feedbacks and bring out the best relationships. The aim is to focus on direct contact between people rather than virtual relations. “Wanna Hang” can help people get in touch with more care about social life and real life meetings. It can also help small companies—that usually don't have a large visibility—to get benefits from those connections and find new ways to increase their business opportunities.

Abstract: A system includes a processing circuit including a processor coupled to machine readable storage media having instructions stored therein that, when executed by the processor, cause the processor to perform operations including receiving a geographical indicator regarding a user, obtaining a list of government representatives associated with the geographical indicator, displaying the list of government representatives to the user via a graphical user interface, receiving a selection of at least one government representative from the list of government representatives via the graphical user interface, and obtaining information about the at least one selected government representative, where the information includes real-time information pertaining to the at least one selected government representative.

Abstract: A system and a method utilize RCS-based mobile communication mechanism to deliver targeted real-time communications based on the context of a particular conversation, which context of conversation is considered to refine the targeted real-time communication. The component messages of a P2P or a group RCS message conversation are threaded by a server based on the unique conversation ID, and an analytics server uses machine learning algorithms to identify the context of the conversation. The system and method can utilize a server implementing Natural Language Processing (NLP) and machine-learning capabilities to identify the intent of the conversation and suggest chatbot options and/or suggestions to client(s) at least partly based on the identified intent of the conversation. The chatbot suggestions can be provided in the conversation window on the mobile device based on the conversation context.

Abstract: A trustable information chain management system for facilitating supply chain and/or marketplace transactions involved with the fishing, seafood, or other industries, and associated methods, is disclosed herein. In some embodiments, a computer-implemented method for creating an information chain for a transaction related to a seafood product is provided. In some embodiments the method can include: receiving, by a first entity, a first information chain packet, wherein the first information chain packet includes first data of a first transaction related to the seafood product; decrypting at least a portion of the first information chain packet; creating a packet base including (1) second data of a second, subsequent transaction related to the seafood product and (2) a reference to the first information chain packet; generating a second information chain packet by encrypting at least a portion of the packet base; and transmitting the second information chain packet to a second entity.

Abstract: An enclosure for a utility metering device is configured to reduce internal air temperatures. In an example, the utility metering device has a solar shield and/or filtered ventilation air passage(s). In the example, an enclosure is attached to a base. Opening(s) may be defined in the enclosure, to allow air to remove heat from the metering device by convection. The openings may be covered with filters, to prevent the entry of water, dust, insects, etc. A solar shield may cover at least an upper surface of the enclosure. An air pocket may be defined between the solar shield and at least the upper surface of the enclosure. Air from within the enclosure may be ventilated into the air pocket, and air from within the air pocket may be ventilated into the atmosphere. The ventilation removes heat from within the enclosure, while the solar shield rejects addition of heat energy.

Abstract: Examples relate to flexible datacenters or other power loads tolerant of intermittent operation and configured to use power received behind-the-meter. A system may include a set of computing systems powered by behind-the-meter power and a datacenter control system. The datacenter control system may be configured to monitor a set of conditions that includes behind-the-meter power availability at the set of computing systems and perform a weighted analysis using the set of monitored conditions. Based on the weighted analysis, the datacenter control system may be configured to modulate operating attributes of one or more computing systems of the set of computing systems. In some examples, the datacenter control system is a remote master control system in communication with a datacenter control system of a flexible datacenter housing the set of computing systems.

Abstract: A payment system may include ways for an entity, such as a restaurant, to provide ordering and payment services, among other services, to customers, who may use their own devices. For example, customers may use their own devices to order and pay for food or drinks that they pick up or consume at a restaurant.

Abstract: A specific solution includes: obtaining, by a terminal, current scenario information; matching the current scenario information against one or more prompt rules; and when determining that the current scenario information matches a first prompt rule, displaying a first prompt message corresponding to the first prompt rule, to prompt that there is a recommended application in a scenario corresponding to the current scenario information; displaying, in response to a first operation performed by a user on the first prompt message, a first recommendation interface that includes a recommendation item of an application prompted by the first prompt message; and displaying an interface of a first application in response to a selection operation performed by the user on a first recommendation item in the first recommendation interface.

Abstract: The present invention provides an apparatus and method for generating title products. A device accepts a title product search request for a title product for a property. The device initiates a search of databases that contain information about the property such as data or evidence of title. A rule engine compares the retrieved information with business rules such as title insurance underwriting criteria. The comparison provides results for generating a title report, insurance contract or other title insurance products.

Abstract: This disclosure provides systems, methods, and apparatus, including computer programs encoded on computer-readable media, for managing IP assets using distributed ledger technology (DLT). An IP asset management platform or application may obtain one or more files associated with an IP asset, and process the one or more files to create a record on a distributed ledger that is associated with the IP asset, where the processing includes, at least in part, generating a hash from information associated with the one or more files and a timestamp. The IP asset management platform or application may then create the record on the distributed ledger, where the record includes at least the hash and the timestamp, and generate a blockchain certificate. The IP asset management platform or application may verify one or more utility tokens are received prior to processing the one or more files to create the record on the distributed ledger.

Abstract: An internet-based method is provided for preparation, review and negotiation, of contracts in an efficient and focused manner. More particularly, the method employs a computer application operable on any type of computing device by two or more parties and focuses their attention on the most important and most negotiated contract clauses. Several options and capabilities are provided, including the ability of parties to select desired contract clauses from a database, and designate which clauses are vitally important, as well as generally important and universally applicable (boilerplate) clauses. The computer application can then be instructed to share and display subsets of the contract clauses selected by all parties, such as only the vitally important clauses, or only clauses having edited variable content, for initial focused negotiation and settlement, before turning to review and negotiation of less important or less critical clauses.

Abstract: A computer controlled mail piece assembly and wrapping system discloses a process for culling candidate mail pieces from bulk mail pieces, a mail piece feeder, a mail piece reader coupled to the feeder that identifies suitable candidate mail pieces, a collator coupled to the feeder for collating multiple identified mail pieces, a buffer coupled to the collator for regulating the delivery rate of the multiple mail pieces exiting to a wrap inserter, a wrap inserter coupled to the buffer for wrapping mail pieces and selected inserts into a mailing container, a printer interfaced with the wrap inserter for printing information onto the mailing container; an outstacker coupled to the wrap inserter for transferring envelope wrapped mail pieces and selected inserts to a desired location, and a computer with suitable programming for operating the system.

Abstract: A protocol for creating, assigning, verifying and using strong end-point identities for establishing an authenticated relationship between Consumers/Users with Service Providers. The protocol allowing the Consumer accounts to directly control data attributes within the Service Provider environment using encrypted hashing techniques. The protocol defining communications between Consumers/Users, Service Providers and the Control System creating an authenticated relationship among the parties. The protocol defines a method and system for the Consumer/User to interface with one or more Service Providers, pre-authenticated directly by the Service Provider to allow the Consumer/User an authentication/verification system with pre-assigned Consumer/User data attributes that are agreed upon between the Service Provider and the Consumer.

Abstract: The disclosure herein generally relates to inventory management, and, more particularly, to a method and system for adaptive inventory replenishment. The system collects real-time information on product-inflow, product-outflow, and damaged goods, as input, and processes the inputs to learn a product-replenishment pattern. Further, a replenishment policy that matches the learnt product-replenishment pattern is selected, and based on the selected replenishment policy, at least one product-replenishment recommendation for the collected real-time information is generated.

Abstract: A system and method for recommending shared transportation that include determining at least one starting location and at least one destination location of a user. The system and method also include determining at least one type of shared transportation that is located within a predetermined distance of at least one pathway that is utilized to reach the at least one destination from the at least one starting location. The system and method further include recommending the at least one type of shared transportation to the user and reserving the at least one type of shared transportation to be utilized by the user based on the user accepting the recommendation.

Abstract: This disclosure covers computer-implemented methods, non-transitory computer readable media, and systems that determine disutility metrics for transportation requests in a shared transportation. For example, the disclosed systems determine estimated service metrics for a plurality of combinations of one or more transportation requests in the shared transportation (e.g., an estimated amount of time to perform a transportation service for a combination of one or more transportation requests). Additionally, the disclosed systems analyze the estimated service metrics to determine an effect of the transportation requests on a combined service metric for the shared transportation and then determine disutility metrics for the transportation requests based on the determined effect. The disclosed systems then generate messages including information associated with the disutility metrics for displaying at requester devices associated with the transportation requests.

Abstract: The present disclosure relates to a method for processing a service request. The method may include receiving, from a first user device, a service request and an amount of power of the first user device via a network. The service request may include a departure location and a destination. The amount of power of the first user device may be not greater than a threshold. The method may also include transmitting the service request to at least one provider terminal via the network, and receiving an order response from a provider terminal of the at least one provider terminal via the network. The method may further include generating order acceptance information based on the order response of the provider terminal, and transmitting the order acceptance information to the first user device and a second user device associated with the first user device via the network.

Abstract: One embodiment provides for a parallel processor comprising a processing array within the parallel processor, the processing array including multiple compute blocks, each compute block including multiple processing clusters configured for parallel operation, wherein each of the multiple compute blocks is independently preemptable. In one embodiment a preemption hint can be generated for source code during compilation to enable a compute unit to determine an efficient point for preemption.

Abstract: One embodiment provides for a compute apparatus to perform machine learning operations, the compute apparatus comprising a decode unit to decode a single instruction into a decoded instruction, the decoded instruction to cause the compute apparatus to perform a complex machine learning compute operation.

Abstract: A method and system for drawing and rendering a graphic in real-time in a layered manner are provided. Adjacent application frames spaced with a time period are extracted, a scene change rate is calculated, and whether the scene change rate exceeds a preset change rate threshold is determined. If the scene change rate does not exceed the preset change rate threshold, graphic elements are grouped to a same graphic layer. If the scene change rate exceeds the preset change rate threshold, M application frames chronologically located between the adjacent application frames are extracted. Each application frame is divided into N regions, and a scene change rate of adjacent application frames is calculated for each region. An average scene change rate for each region is calculated, a layering operation is performed based on the average scene change rate, and graphic layers are drew and rendered separately.

Abstract: A control surface tracks an individual cacheline in the original surface for frequent data values. If so, control surface bits are set. When reading a cacheline from memory, first the control surface bits are read. If they happen to be set, then the original memory read is skipped altogether and instead the bits from the control surface provide the value for the entire cacheline.

Abstract: Embodiments described herein include, software, firmware, and hardware logic that provides techniques to perform arithmetic on sparse data via a systolic processing unit. Embodiment described herein provided techniques to skip computational operations for zero filled matrices and sub-matrices. Embodiments additionally provide techniques to maintain data compression through to a processing unit. Embodiments additionally provide an architecture for a sparse aware logic unit.

Abstract: Briefly, in accordance with one or more embodiments, an apparatus comprises a processor to compute depth values for one or more 4×4 blocks of pixels using 16 source interpolators and 8 destination interpolators on an incoming fragment of pixel data if the destination is in min/max format, and a memory to store a depth test result performed on the one or more 4×4 blocks of pixels. Otherwise the processor is to compute depth values for one or more 8×4 blocks of pixels using 16 source interpolators and 16 destination interpolators if the destination is in plane format.

Abstract: A method and apparatus for method for image processing, and a computer storage medium are provided. The method includes: obtaining a first image, identifying a target object in the first image, and obtaining leg detection information of the target object; respectively determining a contour line and a target line of a leg region of the target object based on the leg detection information; and performing image deformation processing on the leg region based on the contour line and the target line of the leg region to generate a second image.