Abstract: Disclosed are methods and systems for detecting screenshot images and protecting against loss of sensitive screenshot-borne data. One disclosed method includes collecting examples of the screenshot images and non-screenshot images and creating labelled ground-truth data for the examples. The method also includes applying re-rendering of at least some of the collected example screenshot images to represent different variations of screenshots that may contain sensitive information, and further includes training a deep learning stack by forward inference and back propagation using labelled ground-truth data for the screenshot images and the examples of the non-screenshot images. The method further includes using results of the back propagation to configure parameters of the trained DL stack for inference from images in production. Also disclosed is applying a screenshot robot to collect the examples of the screenshot images and non-screenshot images.

Abstract: A counting apparatus includes: a storage unit storing a learning model, the learning model being trained using multiple pairs of training input images each obtained by capturing an image of multiple count target objects with the same shape, and training output images each containing teaching figures that are arranged at respective positions of the multiple count target objects. A captured image acquiring unit acquiring a captured image of multiple count target objects; an output image acquiring unit acquiring an output image in which the count target objects contained in the captured image are converted into count target figures, by applying the captured image to the learning model. A counting unit counting the number of count target objects, using the multiple count target figures contained in the output image; and an output unit outputting the number of count target objects counted by the counting unit.

Abstract: Apparatus and methods for training a neural network accelerator using quantized precision data formats are disclosed, and in particular for storing activation values from a neural network in a compressed format having lossy or non-uniform mantissas for use during forward and backward propagation training of the neural network. In certain examples of the disclosed technology, a computing system includes processors, memory, and a compressor in communication with the memory. The computing system is configured to perform forward propagation for a layer of a neural network to produced first activation values in a first block floating-point format. In some examples, activation values generated by forward propagation are converted by the compressor to a second block floating-point format having a non-uniform and/or lossy mantissa. The compressed activation values are stored in the memory, where they can be retrieved for use during back propagation.

Abstract: Embodiments provide methods and systems for reducing bias in an artificial intelligence model. A method includes computing, by a processor, a reward value based at least in part on a similarity between model predictions from a pre-trained model and agent predictions from a Reinforcement Learning (RL) agent. The method includes performing each step of one or more steps of a rule of a plurality of rules. The rule is assigned a weight and the rule includes a protected attribute, a cumulative statistic value type, and a comparison threshold. The method includes sending a cumulative reward value generated using the reward value and each weighted punishment value computed based at least in part on applying each rule of the plurality of rules to the RL agent. The RL agent learns to biases from the agent predictions while maintaining similarity with model predictions by maximizing the cumulative reward value.

Abstract: A dynamic, distributed directed activity network comprising a directed activity control program specifying tasks to be executed including required individual task inputs and outputs, the required order of task execution, permitted parallelism in task execution, task adjacency to subsequent tasks, and reachability from each task to other tasks; a plurality of task execution agents, individual of said agents having a set of dynamically changing agent attributes and capable of executing different required tasks; a plurality of task execution controllers, each controller associated with one or more of the task execution agents with access to dynamically changing agent attributes; a directed activity controller for communicating with said task execution controllers for directing execution of said activity control program; and, a communications network supporting communication between said directed activity controller and task execution controllers for directing execution of said directed activity control program u

Abstract: Provided are a swarm control apparatus and an operating method thereof. In particular, a swarm control method, performed by the swarm control apparatus, includes: generating a first rule related to the swarm, based on an attribute of at least one node from among a plurality of nodes; sharing the generated first rule with the at least one node; forming the swarm including the at least one node, based on the shared first rule; detecting a change in the at least one node in the swarm; and changing the first rule to a second rule, based on the detected change.

Abstract: This disclosure describes one or more implementations of a video inference system that utilizes machine-learning models to efficiently and flexibly process digital videos utilizing various improved video inference architectures. For example, the video inference system provides a framework for improving digital video processing by increasing the efficiency of both central processing units (CPUs) and graphics processing units (GPUs). In one example, the video inference system utilizes a first video inference architecture to reduce the number of computing resources needed to inference digital videos by analyzing multiple digital videos utilizing sets of CPU/GPU containers along with parallel pipeline processing. In a further example, the video inference system utilizes a second video inference architecture that facilitates multiple CPUs to preprocess multiple digital videos in parallel as well as a GPU to continuously, sequentially, and efficiently inference each of the digital videos.

Abstract: The present invention relates to a method for processing a plurality of candidate annotations of a given instance of an image, each candidate annotation being defined as a closed shape matching the instance, characterized in that the method comprises performing, by a processing unit (21) of a server (2), steps of: (a) segregating said candidate annotations into a set of separate groups of at least overlapping candidate annotations; (b) selecting a subset of said groups as a function of the number of candidate annotations in each group; (c) building a final annotation of the given instance of said image as a combination of regions of the candidate annotations of said selected groups where at least a second predetermined number of the candidate annotations of said selected groups overlap.

Abstract: Disclosed herein are systems, computer-readable media, and methods related to modeling on multivariate time series data overlaid with event data. In particular, some examples involve selecting one or more historical time series data arrays similar to a recent time series data array and filtering the similar historical time series data arrays based on event data. Some examples can also involve training a localized temporal forecasting model using the filtered historical time series data arrays. Some examples can include building and/or training the localized temporal forecasting model at or near a time that a forecast is needed.

Abstract: Disclosed herein are systems and methods for using machine learning for managing application incidents. An embodiment takes the form of a method that includes receiving extracted data pertaining to one or more applications. Model-input data is generated from the extracted data. Model-output data is generated at least in part by processing the generated model-input data with one or more machine-learning models trained to make one or more application-incident predictions. Based at least in part on the model-output data, an application-incident-likely determination is made that a likelihood of an occurrence of an application incident exceeds an application-incident-likelihood threshold, where the application incident corresponds to a given application of the one or more applications. Responsive to making the application-incident-likely determination, one or more alerts of the likelihood of the occurrence of the application incident are output.

Abstract: Embodiments disclosed herein generally relate to a method and system for oil and gas predictive analytics. A computer system receives a set of production information for a well located in a region. The computing system generates a set of general reference groups comprising one or more reference wells for the region. The computing system determines whether the set of production information for the well includes the threshold amount of production information. The computing system selects a subset of reference wells from the general reference groups based on one or more traits of the well. The computing system generates a reference curve based on the set of production information associated with each reference well in the subset of reference wells. The computing system fits a decline curve to the reference curve, to determine an estimated ultimate recovery of the well.

Abstract: A system and method are disclosed for bottom-up modeling and prediction of asset anomalies. In one embodiment, the system receives first sensor data from a first sensor, the first sensor associated with a first asset; smooths the first sensor data; determines a first stage within sensor data, the sensor data including the first sensor data; determines a first set of anomalies within the first stage; generates a first asset state space associated with the first asset; trains a base model describing a first group of one or more assets, the first group of one or more assets including the first asset; and trains, using the base model, a final model particular to the first asset.

Abstract: The method may comprise receiving historical data (e.g., mineralogy data, irrigation data, raffinate data, heat data, lift height data, geographic data on ore placement and/or blower data); training a predictive model using the historical data to create a trained predictive model; adding future assumption data to the trained predictive model; running the forecast engine for a plurality of parameters to obtain forecast data for a mining production target; comparing the forecast data for the mining production target to the actual data for the mining production target; determining deviations between the forecast data and the actual data, based on the comparing; and changing each of the plurality of parameters from the forecast data to the actual data to determine a contribution to the deviations for each of the plurality of parameters.

Abstract: A path reception means 81 receives path evaluation data including each of paths of a plurality of moving bodies and an evaluation value of a business operator for each of the paths. A multi-path optimization means 82 performs optimization based on a utility function that represents adequacy of a business operator for a path learned based on the path evaluation data such that a number of the moving bodies existing in an identical area is a predetermined number or less and determines each of the paths of the plurality of moving bodies to adjust the paths of the plurality of moving bodies. A path transmission means 83 transmits each optimized path.

Abstract: A method, a computer-readable medium, and an apparatus for transport service are provided. The apparatus may receive a plurality of transport service transactions associated with a point of interest entity. For each transport service transaction, the apparatus may determine a transport service location at which the transport service transaction is executed. The apparatus may cluster the transport service locations determined for the plurality of transport service transactions. The apparatus may determine one or more candidate transport service locations for the point of interest entity based on the clustering. The apparatus may provide the one or more candidate transport service locations to a client or a service provider associated with a transport service transaction that is to be executed at the point of interest entity.

Abstract: Disclosed are methods, apparatus, systems, and computer readable storage media for providing access to a private resource in an enterprise social networking system. One or more servers may receive a request for access to a private resource to be granted to a user from a publisher. The publisher may be configured to publish a message as a feed item to one or more feeds, where the message includes a user identification identifying the user. The user does not have access to the private resource. The feed item may be provided to display in the one or more feeds. Access may be granted to the user via the one or more feeds. In some implementations, access may be granted in response to a user input from the feed item associated with a moderator or owner, the moderator or owner having a privilege to control user access to the private resource.

Abstract: Various embodiments are generally directed to techniques to facilitating delivery of a package or sensitive item to a user, where the package or sensitive item can be a credit card or debit card. Various techniques, methods, systems, and apparatuses include utilizing one or more factors for determining an optimal delivery location or path in relation to the user obtaining the sensitive package or item. Various embodiments can provide the user or the delivery courier with an interface that maps or otherwise indicates, by a color-scheme or other suitable scheme, one or more of demand and availability of the sensitive item or package in relation to a receiving or delivery location, where in various embodiments, the mapping or scheme associated with demand and availability can be based in whole or in part on the one or more factors associated with optimal delivery.

Abstract: System and method of providing anti-monotony construction in an MPC, including generating a database including streets, lots disposed on first and second sides of the streets, and neighbor lots disposed on left, right, and/or across sides of each of the lots; receiving a request for construction, including a lot and specification with details of a home, the lot selectable from available lots in the MPC, the specification including details selectable from available details; processing the request against a rule associated with diversity of the details of the specification from details of lots identified as consecutive neighbors on one or more sides of the lot, the sides and details of the lots considered identified in the rule; and generating a status of approval or denial based on whether at least one of the details of the specification matches at least one of the details of the lots identified as consecutive neighbors.

Abstract: A system can access data about items for a store and generate a plan for configuring the store based on the accessed data. The system can further provide, for example, information for configuring reconfigurable shelving units so as to produce the layout of the store according to the plan.

Abstract: An information processing apparatus includes a controller that acquires, from vehicle dispatch centers that each manage an operation plan for a specific area, the operation plan for each area, determines, based on the acquired operation plans, whether a period of time exists, in non-adjacent first and second areas, during which there is a surplus of vehicles in the first area and a shortage of vehicles in the second area, and generates, when the period of time is determined to exist, a vehicle movement plan such that a surplus vehicle in the first area is lent to a vehicle dispatch center that manages an operation plan for an area between the first and second areas, and a vehicle dispatch center in the second area borrows a vehicle from the vehicle dispatch center that manages the operation plan for the area between the first and second areas.

Abstract: Systems and methods for change management are provided. An electronic product and/or service provisioning system is tracked as a function of experiences. Changes are implemented at a process level, where two or more processes make up an experience.

Abstract: A system includes one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform: selecting, by a greedy tote reduction algorithm within an infeasible totes loop, items that have a highest volume restriction and a highest weight restriction for each of a plurality of respective totes; iteratively executing a swap of the items; iteratively searching for candidate solutions until a solution of picklists for the plurality of respective totes containing the items, as swapped, is found; executing a minimum trolley loop algorithm on the solution of picklists to create combined picklists; and displaying to a picker on an interface of a computing device, turn-by-turn directions within a pick walk for the combined picklists. Other embodiments are disclosed herein.

Abstract: A method and system for risk measurement and modeling, which may be used to identify and mitigate information security risks for an information system, and which may improve the efficiency of risk measurement and modeling. Such a system may perform risk modeling based on threat likelihood information, the potential business impacts of particular threats, and data on the effectiveness of particular controls implemented by the operators of the information system, which may be used to calculate residual risk scores for particular risk scenarios that the information system may face.

Abstract: A system and method for a psychological-based approach for organizational growth of a business is described herein. The method is executed by an engine, an application, a software program, a service, or a software platform on a computing device. The engine includes an artificial intelligence (AI) component. The method includes: capturing data associated with a project continuously and in real-time, combining the captured data with other data to create a data set, utilizing the data set to better predict and drive a resolution of one or more problems associated with the project, outputting a plurality of frameworks to address the one or more problems, receiving a selection from a user of a framework from the plurality of frameworks to address the one or more problems, executing a base build using the selected framework to address the one or more problems.

Abstract: A computer-implemented method, comprises providing, by a platform server configured to hold security assets on behalf of a plurality of user accounts, a plurality of user accounts hosted by the platform server, each of the plurality of user accounts holding shares of a common equity with associated shareholder voting rights. The platform server receives a request to send proxy voting rights, wherein the proxy voting rights indicate a desire of the first user to transfer a shareholder voting instruction to a second user. The platform server determines based on transaction history of one or more user accounts of the plurality of user accounts, one or more recommended proxy users for transferring the proxy voting rights. The platform server transmits to the application executing on the device associated with the first user, a request to select one of the recommended proxy users.

Abstract: Techniques are provided for receiving and processing vetting, criteria, and certification parameters of entities intending to offer sustainable products and services to compute climate impact measurement, rating, and badge elevation output parameters. The techniques further receive informational input parameters about the sustainable products and services to offer the sustainable products and services in the form of benefits, gifts, incentives, recognition, rewards, engagement, teambuilding, and training tools. The techniques further generate, monitor, and update purchasing funds and offering flows in response to purchases or offerings of the sustainable products and services.

Abstract: A system for measuring effectiveness of a customer service platform comprises a server configured to receive a first set of data related to an interaction between a first person and an automated communication channel, receive a second set of data related to a conversation between the first person and a second person on a call, determine, from the first set of data, a third set of word(s) that describe an intent of the first person to perform a task via the customer service platform, determine, from the second set of data, a fourth set of word(s) that describes an outcome accomplished during the call, calculate a value that describes a similarity between the third set of word(s) and the fourth set of word(s), and determine an effectiveness measure of the customer service platform based at least in part on a comparison of the value with a pre-determined threshold.

Abstract: The present invention is a computer method for manufacturing and shipping building construction materials, comprising; reviewing, a building model, wherein the building model is comprised of sections and each section is comprised of a set of members; calculating, the properties of each member of the set of members for each section; arranging, the set of members of each section to form a bundle, wherein the bundle is an arrangement of the set of members based on a volume limitation of a shipping container; and adjusting, the bundle based on other bundles which are placed within the shipping container.

Abstract: Systems, methods, and computer program products are provided for tracking one or more items. In one exemplary embodiment, there is provided a method for tracking one or more hems. The method may include periodically detecting, by a sensor device, sensor information of the one or more items, and periodically transmitting, by the sensor device, the sensor information. The method may also include determining if the one or more parties is authorized to receive the sensor information. The method may also include transmitting the sensor information to the one or more authorized parties. The method may further include determining if the one or more parties is authorized to receive the sensor information and the periodically transmitting the sensor information to the one or more authorized parties based on a set of one or more permissions that grants or restricts access of the one or more parties to the sensor information based on the set of one or more permissions.

Abstract: A baggage handling verification device (200) is for use with baggage (46) having RFID tags (48) attached. A user interface emits signals, an attachment element (22, 28, 222, 228) attaches the device to a user, an RFID antenna (232) and reader (234) obtain tag data representing first parameters for determining a baggage handling method. Data memory (242) stores second parameters for determining a baggage handling method. A CPU (238) compares the first and second parameters. The device emits different signals depending on whether a match exists between the parameters. Match-indicating signals indicate to handle a baggage item according to a predetermined method, while no-match indicating signals indicate not to handle the baggage item according to that method. The invention also covers a related system including the verification device and method of determining whether the baggage item must be handled according to predetermined baggage handling parameters.

Abstract: In an aspect, a system for modifying a physical transfer path includes a computing device configured to generate an initial physical transfer path, wherein generating further comprises receiving a request for an alimentary combination, determining a first transfer party as a function of a geolocation area, determine a trouble state as a function of the initial physical transfer path, wherein determining further comprises receiving a delayed delivery notification, and determining the trouble state as a function of the delayed delivery notification and the initial physical transfer path using a trouble machine-learning model, and produce a modified physical transfer path, wherein producing further comprises receiving a delivery time threshold, identifying an alternate transfer party as a function of the trouble state, and producing the modified physical transfer path as a function of the delivery time threshold and the alternate transfer party using a transfer machine-learning model.

Abstract: Systems and methods that automatically process returns or exchanges. Upon receipt of product return requests, the system obtains information about the products and customers to facilitate the returns, aggregates multiple return requests and carries out optimization processing to generate optimized routes for product pickups. Logistic partners evaluate the routes for acceptance. Once accepted, a driver proceeds to a product pickup location and conducts an inspection of the products, which includes photographing the products and placing the products in special uniquely identified containers. The picked-up products are transported to a designated drop-off location, and a second inspection of the products is carried out. Upon successful inspection, retailers are informed of the inspection results and proceed to initiate a refund or product exchange. Refunds or exchanges may be initiated after the first inspection. Other features and functions are employed in various embodiments.

Abstract: The subject matter described herein includes methods, systems, and computer program products for biological inventory tracking using cloud services and mobile devices. According to one method, information is input from a mobile device about a specimen sample. The information includes an image of the specimen sample captured using the mobile device including an identifying indicia. The information is uploaded and stored in an encrypted format accessible to authorized and verified users. At least one characteristic of the specimen sample is determined based on the information. Tracking and status information, as well as notifications or reminders, regarding the specimen sample are provided in real-time or near real-time to the mobile device.

Abstract: Disclosed herein is a system and method of identifying misplaced products on a retail shelf using a feature extractor trained to extract features from images of products on the shelf and output identifying information regarding the product in the product image. The extracted features are compared to extracted features in a product library and a best fit is obtained. A misplaced product is identified if the identifying information produced by the feature extractor fails to match the identifying information associated with the best fit features from the product library.

Abstract: An apparatus and method for transferring perishable food items between a refrigerated storage unit and a mobile kitchen vehicle maintains the integrity of the perishable food items in connection with a replenishment operation or a restocking operation. The refrigerated storage unit comprises a side door that can be retracted. The side door can comprise a canopy and an air curtain. The canopy and the air curtain assist in maintaining a refrigerated temperature of the perishable food items as they are transferred from the refrigerated storage unit to the receiving truck. The refrigerated storage unit can comprise additional side doors to accommodate multiple receiving food trucks simultaneously.

Abstract: The present disclosure involves systems, software, and computer implemented methods for bundling line item based events in an event-driven architecture. One example method includes receiving, at a message outbox of a first microservice, a new line-item based event. A determination is made as to whether a compatible open event bundle can be located. In response to locating the compatible open event bundle, the compatible open event bundle is updated to include the new line-item based event. In response to determining that the compatible open event bundle cannot be located, the compatible open event bundle is created as a new open event bundle and the new open event bundle is updated to include the new line-item based event. The compatible open event bundle is closed in response to a closing condition. A bundled event message is generated and sent to a second microservice.

Abstract: A method includes receiving a data processing request at a computing system. The data processing request identifies data to be compared to sets of criteria according to a predefined sequence of the sets that is defined by a non-variant logic process. The method also includes determining whether the request is to be processed according to a variant logic process that defines a modified sequence of the criteria sets than the non-variant logic process. The method also includes dynamically altering the predefined sequence of the criteria sets to the modified sequence responsive to determining that the request is to be processed using the variant logic process, comparing the data identified by the request with the criteria sets according to the modified sequence, and processing the data according to the criteria sets of criteria in the modified sequence.

Abstract: Methods, systems, and computer program products for gathering electronic signatures to be applied to collaboration system content objects (e.g., contracts, letters, insurance claims, riders, etc.). A collaboration system monitors changes made to the collaboration system content objects during electronic signature processing. A module of the content management system is configured to associate one or more instances of e-signing metadata to one or more of the stored content objects of the content management system. The e-signing metadata indicates whether or not a particular portion of the one or more of the stored content objects has been e-signed by a designated e-signatory. A collaborator who is not one of the designated e-signatories makes a change to one or more of the stored content objects (e.g., contracts, letters, insurance claims, riders, etc.). The change is remediated on-the-fly and the e-signing process continues without having to restart the e-signing process from the beginning.

Abstract: A system and method for configuring an application is described. The system identifies user collaboration data of users of an application. The user collaboration data indicates durations of collaborations between one or more users using the application. The system computes an influencer score of a first user based on the duration of collaborations between the first user and the other users. The system determines that the influencer score of the first user exceeds an influencer score threshold and generates a configuration setting of the application for the first user. The system applies the configuration setting to the application for the first user.

Abstract: As described herein, a system, method, and computer program are provided for handling business agreement updates requiring orchestration when an orchestration system is unavailable. A signed update to a business agreement requiring orchestration by an orchestration system is received. It is determined that the orchestration system is unavailable to orchestrate requirements of the signed update to the business agreement. One or more actions are performed to handle the signed update in response to determining that the orchestration system is unavailable.

Abstract: A geospatial maintenance server collects information from lab instruments such as usage information, instrument uptime, operational performance, and other characteristics. Such information may be used to identify upcoming maintenance needs for lab instruments, including usage based preventative maintenance, and unanticipated degradation based maintenance. A geospatial maintenance interface is provided that allows a user to select a certain country, region, state, or other geographic area to view information on lab instruments and maintenance needs within that area. The interface may display graphs showing uptime for various time periods, comparisons to uptime in other areas, maps with symbols indicating areas and types of maintenance needs, and per-device descriptions of maintenance needs. The interface may also be used to automate efficient and economical assignment of technicians to address maintenance tasks.

Abstract: A method for performing automatic maintenance of an autonomous vehicle is disclosed. The method includes receiving a maintenance request from the autonomous vehicle, wherein the maintenance request includes diagnostic data. Further, the method includes analyzing the diagnostic data to identify at least one recommended car service for the autonomous vehicle and comparing a vehicle location against a plurality of facility locations to identify a closest facility from a plurality of maintenance facilities, wherein the plurality of facility locations is associated with the locations of the plurality of maintenance facilities. Further, the method includes receiving a work schedule of the closest facility and generating an appointment reservation with the closest facility in the one or more facility locations based on the received one or more work schedules. Moreover, the method includes sending the appointment reservation to the autonomous vehicle.

Abstract: A method for waste management, including recording an image of content within a waste container; extracting a set of content parameters from the image; characterizing the content within the waste container based on the set of content parameters; and routing a waste removal vehicle based on the content characterization.

Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.

Abstract: In one embodiment, techniques include a method of handling transactions for a pack of security assets. The method includes identifying a subset of a set of security assets for inclusion in the pack of security assets to be recommended to a user based on an analysis of one or more criteria associated with the user. The method includes causing an electronic device to display a user interface to facilitate a purchase of the pack. The method includes, in response to determining a user selection corresponding to a request to purchase the pack and a specified value of currency: calculating a number of base units of each security asset based on the existing value of a base unit of each security asset, including a fractional portion of the base unit; and assigning, for each security asset, ownership of the calculated number of base units of each security asset to the user.

Abstract: A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating.

Abstract: Methods and devices for propagating transactions in a network of nodes, each node having one or more connections to other nodes. The method includes determining that one of the nodes is a bottleneck for propagation of transactions; receiving, over a first time period, a plurality of new transactions from one or more first nodes in the network of nodes; combining the plurality of new transactions using network coding and a local encoding vector to generate a message; and sending the message and a global encoding vector to one or more second nodes in the network of nodes instead of sending the plurality of new transactions to the one or more second nodes. The network may be a blockchain network.

Abstract: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification.

Abstract: Methods and systems for facilitating group payment are disclosed. In one embodiment, a group payment system is configured to execute instructions to perform operations that include receiving, from a first computing device, a request to create a group payment event and, in response, providing to the first computing device a first interface associated with the group payment event. The operations further include receiving, from a second computing device, a request to join the group payment event and, in response, providing a second interface to the second computing device. The operations further include receiving, from the first and/or second computing devices, messages associated with the group payment event and modifying the first and second interfaces to display the messages. The operations further include receiving, from the first and/or second computing devices, financial contributions for the group payment event and modifying the first and second interfaces to display the financial contributions.

Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.