Abstract: A system may include a processor that may receive an indication of an amount of funds deposited into an account, convert the amount of funds into a number of tokens using a multiplier, and generate a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate. The interest rate may be defined by a user with supervisor authority over the account. The processor may then display the visualization via an electronic display and periodically transfer an additional amount of funds from an additional account associated with the user to the account in response to the amount of funds remaining in the account after a period of time.

Abstract: A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching.

Abstract: An apparatus and method for generating a report, the apparatus including at least a processor and a memory communicatively connected to the at least a processor, wherein the memory contains instructions configuring the at least a processor to generate reports from structured data using large language models.

Abstract: Particular embodiments determine, at least in part by a computing device of a payment service, to associate a data object with a user account that is associated with a stored balance managed by the payment service. The computing device associates an amount of the data object with a distinct stored balance associated with the user account. The distinct stored balance is associated with a condition of use. The computing device monitors transaction data associated with users of the payment service. The computing device identifies, from the transaction data, a transaction associated with an identifier associated with the user account. Based on a determination that the transaction satisfies the condition of use, processing payment for the transaction using at least a portion of the distinct stored balance prior to using the stored balance.

Abstract: The present disclosure generally relates to systems and methods for generating data representative of multi-product insurance discounts and related user interface displays. The systems and methods may include receiving personal data from an insurance customer and insurance product data. The systems and methods may further include generating data representative of multi-product insurance discounts based on personal data from an insurance customer and insurance product data. The systems and methods may further include generating displays of the multi-product discounts based on data representative of multi-product insurance discounts.

Abstract: A method and system are disclosed for more efficiently constructing a volatility surface. The methodology results in measurable reduction in the quantity of storage memory space needed on a computer executing the novel methodology, reduces the measurable, on-demand computational load on the processor(s) of a computer executing the novel methodology, and permits as-of-day calculations of the volatility surface that were previously impossible to obtain in near real-time.

Abstract: A system and method for controlling a behavior of at least one member of a local power grid. In one embodiment, the system comprises a monitoring system, comprising at least one processor, for obtaining a measure of grid stress and deriving at least one of financial incentives and financial disincentives, based on the measure of grid stress, to cause at least one member of the local grid to change behavior.

Abstract: The present disclosure describes systems and methods for storing pertinent company information on an immutable blockchain. Preferred embodiments disclose systems and methods of preparing for an audit by recording corporate governance information on an immutable blockchain. The recorded information, which cannot be subsequently backdated or manipulated, provides auditors compliant and accurate information, which streamlines the audit and reduces costs.

Abstract: A medium processing method includes receiving, by a primary processing machine, a customer's request for medium processing; in a case where the processing is first processing, storing, by the primary processing machine, a medium targeted for the first processing in the primary processing machine, and accordingly completing the first processing; and in a case where the processing is second processing, providing, by the primary processing machine, a customer with information for guiding the customer to a secondary processing machine.

Abstract: A cloud migration framework may include an enterprise application data store that contains electronic records associated with enterprise applications. Each record may include, for example, an electronic record identifier and enterprise application parameters. A data repository stores a catalogue of cloud computing patterns. A back-end application computer server retrieves information from the enterprise application data store and, based on enterprise application parameters, creates a move group representing a subset of the enterprise applications. For each application in the move group, the computer server identifies whether an appropriate cloud computing pattern exists in the catalogue. If an appropriate cloud computing pattern is identified, it is used to automatically create a reference implementation of the enterprise application in a cloud computing environment.

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

Abstract: A method includes receiving, by a node of a wireless sensing system from a user device, a request for information describing an asset. The node establishes communication connections with a set of tape nodes of the wireless sensing system, each tape node of the set of tape nodes being associated with a respective asset of the wireless sensing system. The node receives, via the communication connections, information describing the respective assets of the wireless sensing system. The node then filters the information describing the respective assets of the wireless sensing system and transmits the filtered information to the user device for display.

Abstract: An automated method of predictive model development first cleans up raw supervised and unsupervised training data with a step that uses an algorithm to make every field of every record consistent, cohesive, and productive. Then the resulting flat data is given texture in a next step by a data enrichment algorithm that culls fields that do not contribute to predictive model building and that adds new fields computed from data combinations that are tested to add value to later steps that build different types of predictive models. Another late step for building smart-agents and their entity profiles uses another algorithm that benefits greatly from the cleaned and highly enriched training data. The predictive models and smart-agents and their entity profiles are then rendered as deliverable predictive model markup language documents in a final step executed by a specialized algorithm.

Abstract: Described are medias, systems, and computer-implemented methods to detect improper residency status by performing a data mining task to data source to detect one or more improper residency indicia, applying a machine learning algorithm to identify an initial candidate, calculating a probability that the initial candidate has an improper residency status, and validating the detection. Further described are medias, systems, and computer-implemented methods to detect improper occupancy tax status.

Abstract: A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.

Abstract: Example embodiments relate to luminaire networks with sensors. One example luminaire network includes a plurality of luminaires and a central unit that includes a central communication unit. The plurality of luminaires includes a communication unit configured to make it possible for the luminaires to communicate with each other and/or with the central communication unit. The plurality of luminaires also includes a control unit configured to control the luminaire as well as the communication unit. The central unit is configured to have access to information about the location of the luminaires. At least one of the plurality of luminaires in the luminaire network further includes at least one sensor which can sense information relating to the environment. The communication unit of the luminaire is configured to send messages relating to the sensed information to the central communication unit and/or to at least one other luminaire including a communication unit.

Abstract: Systems and methods for dynamic management of energy usage in local grids are provided. An example method is performed by a load distribution controller coupled to a power source and an energy storage device configured to accumulate power. The method includes acquiring reference levels of using energy of the power source at time slots within a time period and cost values corresponding to the reference levels, dynamically determining, based on the reference levels and the cost values, a schedule indicating charge levels of the energy storage device at the time slots within the time period, and configuring the energy storage device to charge or discharge the power the power according to the schedule. The reference levels are obtained using the Viterbi algorithm based on costs of the energy of power source at past times slots of a past time period and rates of charging and discharging the energy storage device.

Abstract: Apparatus and methods for providing an electronic environment for enabling straight through processing (“STP”) of an advisor/client-adopted-illustration are provided. The environment includes a workstation. An interface screen is located on the workstation. The interface screen displays multiple illustrations. The interface screen may distinguish the differences between the two illustrations from like portions of the two illustrations. The interface screen may juxtapose, on the display, like portions of the two illustrations. An environment condition may include a requirement that each of the two illustrations includes a signature from the client. The environment may also include a communications module for transmitting an illustration request to a remote server, which may determine whether an advisor-selected characterization of the illustration is correct.

Abstract: Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

Abstract: Certain embodiments of the disclosure relate to methods and systems that support automated, targeted polling of consumers via an e-commerce promotions platform for administering e-commerce promotional activities, such as, for example, sweepstakes, contests, giveaways, and/or instant wins.

Abstract: An intelligent shelf management system and operating method are revealed. The system includes an operating and display device by which users input their demands of goods; an information module electrically connected to the operating and display device and comprising a database of goods and an analysis module which receives and analyzes the demands of goods input and finds out product information matched after comparison with information in the database; a content management system electrically connected to the information module and receiving the product information from the analysis module; and a point-of-sale system having a plurality pieces of related sales information and electrically connected to the content management system or the information module. The content management system compares the product information with the plurality pieces of related sales information to collect and send the related sales information matched to the operating and display device.

Abstract: In accordance with various embodiments, described herein are systems and methods for use with an analytic applications environment, for ranking of database tables for use in controlling extract, transform, load (ETL) processes. In accordance with an embodiment, the system uses a ranking algorithm or process to rank database tables and/or table columns associated with a set of data. The table/column rankings can then be used to prioritize ETL processing of a customer's data for use with a data warehouse or other data analytics environment. In accordance with an embodiment, the method includes determining a global rank; a business rank; and a tenant or customer-specific rank, for a plurality of tables and columns in a customer's database; and aggregating or otherwise using the determined rankings to control the ETL process for a particular customer (tenant), to load their data into the data warehouse.

Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.

Abstract: In general, this disclosure involves systems, software, and computer implemented methods including receiving a workflow defining (1) a plurality of parameters to be defined during completion of a digital applications, (2) a sequence of operations, and (3) one or more evaluation rules, the workflow having been defined by an external system and received at an integration platform. An application service generates a digital application based on the workflow, the digital application including a reference to the workflow. The integration platform can cause a locked workflow to be immutably stored in a repository at the integration platform. The integration platform sends the digital application to a client device, the digital application configured to be presented on the client device in accordance with the sequence of operations.

Abstract: A method, a system, and computer program product for offline document editing. A request to download a document stored at a remote database is received. The document is accessible through an online application. A structure of the document is generated by using metadata associated with the document. The document is generated by filling entries of the structure using data retrieved from the remote database. The document is transmitted to be downloaded for offline editing. An updated document generated by modifying the document using offline editing is received. The remote database is updated using the updated document.

Abstract: A vehicle repair estimate platform for collecting vehicle repair data from a depth and dimension measuring camera and generating a manipulatable three-dimensional model of the vehicle damage. An estimate is generated based on insured claim attributes and predefined vehicle damage parameters, and the estimate tagged for periodic selection for inclusion in a wide area repair estimate matrix.

Abstract: A heuristic money laundering detection engine includes capabilities to collect an unstructured data set, such as a transaction record, and detect indications of money laundering activity. By detecting money laundering activity and feeding back indications of money laundering transactions, the heuristic algorithm may continue to learn and improve detection accuracy. Such indications may include correlations to sets of transaction activity among a number of financial accounts and past indications of money laundering activity. Indications of money laundering may allow generation of audit reports for reporting to regulatory authorities.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the req

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

Abstract: A toolbox application presents a user interface on a client device, and receives a natural language search query provided by a user of the client device that identifies a desired functionality to be performed for the user. The toolbox application determines whether any of a plurality of accessible utility components accessible is capable of performing the desired functionality specified in the search query. Responsive to determining that none of the accessible utility components is capable of performing the desired functionality, the toolbox application sends a request comprising the natural language search query to a server that maintains library of a plurality of utility components.

Abstract: One or more graphical user interfaces (GUIs) and/or a console management, modeling, and analysis system is described. In some embodiments, the GUI and/or management system can be used to analyze investment purchases and/or sales. In some embodiments, users may be allowed to enter data used to produce dynamic models. In some embodiments, data may be aggregated from various users and/or sources to provide adaptive, dynamic models and/or projections.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: Disclosed in some examples, are methods, systems, devices, and machine-readable mediums that use one or more images (e.g., Quick-Response (QR) codes) displayed by a first application to both provide the location to obtain a second application and to copy a session from the first application to the second application once downloaded. In some examples, a session comprises an authentication session such that, when the session is copied, the user is logged into a network-based service within the second application with a same account as the user is already logged into with first application.

Abstract: Methods and systems for scheduling modifications to online stores. Scheduling a modification, to an online store, to occur at a first time. Monitoring requests, associated with the online store, received from user devices. Determining, based on the monitored requests, a metric indicating a level of customer activity associated with the online store. Comparing the level of customer activity with a threshold level of customer activity associated with the modification and, based on the comparison, determining a second time for scheduling the modification.

Abstract: A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for transaction processing using a smart device. In one embodiment, a system and method are introduced which enable the use of a third-party provider in conjunction with the smart device. The third-party provider can enable transaction processing and offloading, eliminating the need for processing via an application server. In another embodiment, a dynamic machine-readable code is further introduced for providing the communication between the third-party provider and the smart device.

Abstract: Methods and systems for translating events for use by business objects. In one embodiment, a method is provided that includes receiving a scheming via a discovery function. The schema may correspond to a data source with a business object environment and may describe properties of the data source. A business object may be created within the business object environment and may include an inbox to receive events and a translation function. An event may be received from the event source at the inbox. The event may be translated according to the translation function into a business object event that corresponds to a property of the data source. The business object event may be provided to at least one business object within the business object environment.

Abstract: Systems and methods are disclosed in assessing and determining the health of social tokens associated with certain events. More specifically, but not by way of limitation, this disclosure relates to determining dynamic scores associated with social tokens for senders and receivers in those events and using those scores to assess whether to allow or reject the event.

Abstract: Disclosed are a method and system for generating a behavior profile for a new entity. The method is performed in response to and immediately after a new entity is added to a fraud detection system. The method includes generating a doppelganger behavior profile for the new entity based on feature data of the new entity and pre-existing entities. Generating the profile includes determining a similarity score for each pre-existing entity, ranking the plurality of pre-existing entities based on the score, selecting pre-existing entities based on the ranking, and combining behavior profiles of the preexisting entities to produce the profile. The method also includes assigning the profile to the new entity and monitoring the new entity. The method further includes detecting fraud, an anomaly, and/or malicious intent based on the profile, and automatically suspending an aspect of the new entity in response to the detection.

Abstract: A technique for dynamically adjusting a digital advertising campaign during an active campaign flight is discussed. Using feedback from a digital survey over an exposed audience of user populations, brand lift may be calculated on a per ad creative and/or per site basis. User characteristics derived from content consumption patterns may be used to optimize ongoing campaigns and formulate target audiences and target creative formats for new campaigns.

Abstract: A method and system addresses the circumstance where a lack of confidence in the impairment rating has arrested the impairment rating process and additional data collection is no longer possible. One or more incomplete data sets are compared to and corrected with a high accuracy database containing reviewed historical impairment data. An analysis of the data outputs a temporary impairment rating and a recovery score index, which yields a corrected and substantially accurate impairment rating report which can be used within the managed impairment repair process as the worker's compensation claim moves toward claim closure.

Abstract: A credit card recommendation system for recommending credit cards to a user can be based on the consumer's estimated monthly spend, estimated spend across a plurality of categories, and user credit data. The credit card recommendation system can filter credit cards based on a likelihood of approval for the user. The credit card recommendation can determine a reward valuation and an adjustment valuation by assessing user spend and the characteristics corresponding to the credit card. The credit card recommendation can train a model to score credit cards for users, and apply specific user data to the model to determine a credit card score particular to the user.

Abstract: A defect detection and ranking system for a vehicle assembly line is provided. The system includes an image capture device that captures a plurality of images of a vehicle on the vehicle assembly line. The system also includes a defect detector that analyzes the plurality of captured images and, based on the analysis, detects a plurality of defects on the surface of the vehicle. Each of the plurality of defects has an associated x-y-z coordinate location, a defect type, and a defect severity. The system also includes a datastore containing a vehicle specification, for the vehicle on the vehicle assembly line, and a defect priority based on the vehicle specification. The system also includes a defect prioritization generator configured to: receive the plurality of defects from the defect detector, retrieve the vehicle specification and the defect priority, and apply the defect priority to the plurality of defects, and output a prioritized list of defects, wherein the prioritized list of defects.

Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.

Abstract: Disclosed are systems and methods for conducting an open conversation user interface and more particularly, to a channel-agnostic user interface experience which can utilize automated background intelligence to simplify the exchange between a software system or member service representative (MSR) and a member, and avoids the need for web-based free form inputs.

Abstract: An example computing device obtains financial data corresponding to a user and based on the financial data, determines an initial risk score for the user that represents an estimate of financial risk of the user. The computing device receives, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user. Based on the wagering activity data, the computing device determines an updated risk score for the user that indicates an increased estimate of financial risk. Based on determining the updated risk score, the computing device transmits (i) a first message that causes a user device to display (a) a notification that wagering activity has been suspended and (b) a request for user-input data and (ii) a second message that causes the computing system associated with the gaming platform to suspend user wagering activity via the gaming platform.

Abstract: A computer-implemented method that includes receiving a user command including one or more criteria characteristics in association with an account and detecting an occurrence of a transaction from the account. The transaction is associated with one or more purchase characteristics. The method includes determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics, and recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics. The method includes recording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics.

Abstract: Aspects of the disclosure relate to systems for processing transactions between two entities. A transaction control platform may determine attributes associated with different transfer channels between the two entities. Based on the determined attributes, the transaction control platform may determine a transfer channel to be used for transmitting a message corresponding to the transaction. The transaction control platform may use machine learning algorithms to identify an optimal transfer channel that meets particular desired factors.