Abstract: The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed.

Abstract: Systems and methods are disclosed that provide real-time pre-trade risk assessments for multiple parties. In one embodiment, a Programmable Logic Device (PLD) may be embedded within an Automated Trading Systems (ATS) architecture by utilizing the Intel socket G or the PCIe interface to provide pre-trade risk functionality. The system may also provide a method for interacting with the ATS DRAM or L1 cache to provide faster access to orders in ATS memory for PLDs. The system may use the Quick Path Interconnect between an embedded processor and a PLD to transfer memory maps. The system may also add additional libraries to an ATS processor to accelerate the transfer or memory maps to a PLD. The system also may use system interrupts to cancel erroneous orders within an ATS processor from a PLD housed within the same physical architecture.

Abstract: Methods and systems are provided for predicting and forecasting loss metrics for insurance. One or more models are created to generate development curves to predict ultimate losses for aggregations of long-tail losses, such as bodily injury claim payouts based on the first few months of payout data and other relevant variables. The relevant variables include internal data about policyholders and claims, and external data. Historical data, including potential influential variables and a target, are used to train a predictive development model. The variables are pre-processed and aggregated to an accident-month granularity, then feature reduction techniques are applied to determine the variables that exert the most influence on the target. Dimensionality reduction techniques are then applied to the remaining variables. The most influential variables and the variables created by dimension reduction are used as the input features to train the development model.

Abstract: An optimization calculation method includes, generating individuals of a present generation with an individual selected in a previous generation as a parent individual using an algorithm for obtaining optimum solutions while evolving a plurality of individuals for each generation, evaluating each individual of the present generation, setting a constraint condition value of the present generation based on a constraint condition value of one generation before with respect to the present generation, and a constraint condition provisional value achieved by a half or more of individuals used for generating child individuals of a next generation, determining whether an evaluation result of each individual satisfies a constraint condition value of the present generation, changing for lowering an evaluation result of individuals which do not satisfy the constraint condition value of the present generation, and selecting individuals to be solution candidates from among individuals on which the determination or change

Abstract: Systems, methods, and storage media for providing information relating to suspicious financial activities to investigative agencies are disclosed. Exemplary implementations may: receive a digital access token from a financial institution; cause an application programming interface to be displayed on a computing device corresponding to the financial institution in response to receipt of the digital access token; receive case information from the financial institution create a case corresponding to the access token and the case information; determine one or more relevant investigative agencies for receiving a report based on the case information; retrieve a data model corresponding to each relevant investigative agency; and file a Suspicious Activity Report based on the case information in each of the one or more relevant jurisdictions in correspondence with the access token.

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for conducting collaborative real-time inspections of insured properties. The system may include several workstations, each operated by a different user with a respective role in processing an insurance claim. The system also may include a server system configured to receive an indication of an insured property to be inspected by users at the workstations using an unmanned aerial vehicle (UAV) configured to collect aerial imagery, provide, substantially in real time during an inspection session, aerial imagery of the insured property to each of the workstations, receive, substantially in real time during the inspection session, information related to the insured property being inspected from the workstations, and generate a database record descriptive of the inspection session. The aerial imagery may be used to verify dimensions of insured homes or estimate home damage resulting from fire, wind, hail, water, or hurricanes.

Abstract: The invention relates to a computer-implemented system and method for providing data science as a service (DSaaS) using a real time data prediction contest. The method may comprise the steps of presenting a consumer interface via a network that allows a data consumer to identify a subject data source having data fields that can be predicted; and presenting a participant interface via the network that allows a participant to select a competition in which to participate and provides a web services interface enabling the participant to provide web services that can be called by the web services interface. The web services provide a prediction of the at least one data field, and the web services are permitted to utilize external data sources in generating the prediction. The prediction can then be transmitted via the network to the consumer.

Abstract: Various examples are directed to systems and methods for providing location-specific financial information to a user. A geographic data system may receive a social media data feed and an e-mail feed. The geographic data system may extract theme data from at least one of the social media feed data or the e-mail data and select a first user expense category based at least in part on the theme data. The geographic data system may receive from an application executing at a user computing device location data indicating a first geographic location and generate a location-specific user expense based at least in part on the first user expense category and the location data. The geographic data system may generate a graphical user interface comprising a map including the first geographic location and an indication of the location-specific user expense.

Abstract: System and methods for a connection proxy server are described. According to an example method described herein, a connection proxy server stores subscription, product tables as well as other downloads that are provided to a client terminal during initialization stage as well as later during a trading session. Upon detecting that a connection between the client terminal and a gateway is lost, the connection proxy maintains a communication session created for the client terminal at the gateway and receives data intended for the client terminal. If the connection is re-established between the client terminal and the gateway during a predetermined period of time, the connection proxy provides the stored data to the client terminal thus avoiding a surge in processing resources at the gateway due to the necessary downloads.

Abstract: A system, method, and computer program product are provided for determining peers of a user by evaluating persons identified from a calendar of the user. In use, a system identifies a calendar of a user. The system further identifies events saves in the calendar of the user. One or more persons are then identified by the system from the events. Moreover, for each of the identified persons, the system evaluates the person in terms of information gathered from the events and determines whether the evaluating indicates that the person has a particular type of relationship with the user. When the system determines that the evaluating indicates that the person has the particular type of relationship with the user, then the system identifies the person as a peer of the user.

Abstract: An forum facilitator device is provided that allows for a controlled environment to provide a secure forum for residents to provide communications to other registered users of the secure forum. The communications are provided through posts made in the secure forum and through other types of communications from the inmate such as but not limited to emails and text messages. The forum facilitator device operates the secure forum and implements rules to control what is posted on the secure forum, who is able to access the secure forum, and what entities are allowed to view and interact with residents of the controlled environment.

Abstract: Systems, computer program products, and methods are described herein for document presentment and fulfillment based on pattern analytics. The present invention is configured to determine one or more resource transfers executed by one or more users, wherein the one or more resource transfers are executed in response to one or more resource transfer requests; retrieve information associated with the one or more resource transfers executed by the one or more users; initiate one or more machine learning algorithms on the retrieved information; determine a pattern associated with the one or more resource transfers executed by the one or more users based on at least the retrieved information; and re-configure the one or more resource transfer requests based on at least the pattern associated with the one or more resource transfers executed by the one or more users.

Abstract: Computer systems are used to facilitate the sale of mortgages into the secondary market. For example, the computer systems are used to facilitate the administration of loan delivery and other business rules across multiple customer-facing applications. The computer systems provide a shared service for customer-facing applications to integrate with a centralized business rules engine. The computer systems enable the integrated applications to request specific groups or categories of business rules to be executed by the centralized business rules engine. The computer systems request execution of stored business rules based on a loan, format the results, and provide feedback to the calling applications based on the results.

Abstract: A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.

Abstract: Described herein is computing device for machine learning based risk analysis and decision automation in intelligent underwriting. In accordance with one aspect of the framework, input data of underwriting cases is preprocessed and used to train a predictive model. The predictive model may be cross-validated and tested for accuracy. The predictive model may then be applied to a current underwriting case in order to automatically identify and assess associated risks and provide a decision recommendation.

Abstract: An embodiment of the present invention is directed to a system utilizing a new form of digital cash held by users in deposit accounts with banks, backed by central bank liquidity and recorded on a centralized ledger, for making payment, in a single currency or cross-currency. An embodiment of the present invention simultaneously, instantly and finally makes the corresponding adjustments to the assets and liabilities of all banks in the correspondent chain on the ledger between the payer and payee for a payment in a single currency. For cross-currency payments, an embodiment of the present invention provides competitive rates from foreign exchange traders; settles the payment and the associated foreign exchange transaction in a new form of integrated tri-party transaction which is instant and legally final for the payer, payee and foreign exchange trader; and simultaneously, instantly and finally makes corresponding adjustments to the ledger for all associated parties.

Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.

Abstract: Computer-implemented methods and systems, including a user interface, that (a) calculate and display a graphical representation of a market implied probability distribution for the future prices of a tradable asset, which is derived from real time prices of the options on the asset, (b) permit the user to customize the market implied probability distribution graph to reflect the user's own view on the probability that the future price of the asset will be within a price range, and (c) propose an optimal trading strategy implemented as a combination of option orders, which strategy is optimized to be profitable assuming the customized probability distribution (if any). The combination orders may be modified and/or added to by the user.

Abstract: An example operation may include one or more of a computer storing a first set of received data analytics in a blockchain, the first set associated with a subject matter. The operation further comprises the one or more computer storing a second set of received data analytics in the blockchain, the second set associated with the subject matter. The operation further comprises the one or more computer deriving and storing in the blockchain a first set of metrics based on analysis of the first set of analytics processed with the second set of analytics. The operation further comprises the one or more computer storing a third set of received data analytics in the blockchain, the third set associated with the subject matter, and deriving and storing a second set of metrics based on analysis of the first set of metrics processed with the third set of data analytics.

Abstract: A securitization, exposure, portioning, and exchange platform for enabling the securitization or fixing of quantitative values of data parcels, which correspond to external assets, and the exchange of data parcels between account systems operating via computers over a network. The security of data parcels, which corresponds to their quantitative integrity, is controlled by removing their exposure to changes in their corresponding external assets.

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: Computer implemented systems and methods are provided for generating a graphical user interface configured to display a nursing unit health score. In some embodiments, a system for generating a graphical user interface may comprise at least one processor configured to receive real-time and historical data associated with bed availability, staffed bed availability, a nursing roster, patient census, unit churn, aggregated patient acuity, and patient mix. The at least one processor may be configured to generate, based on the real-time and historical data, instructions to display a user interface depicting a health score associate with a department of a facility at a first time.

Abstract: An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.

Abstract: A system and method are provided for determining an optimum price curve to a target date and dynamically updating a price of a product in real-time in a store of a merchant. A merchant database contains and a third-party source provides information which is relevant to determining the price. An enhanced data engine and database generates and stores enhanced information which is derived from the merchant and third-party information and which is relevant to determining the price of the product. A dynamic pricing mechanism includes an artificial intelligence trained on the enhanced information and is configured to determine the optimum price curve for the product, and to transmit a current price from the optimum price curve via a communications network. An electronic price display is located in the store and receives from the dynamic pricing mechanism and visually displays in real-time the current price of the product.

Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.

Abstract: Particular embodiments may provide an education decision-making tool. User input comprising profile information and educational goals information for a potential student may be received. A cost-benefit assessment may be computed for each of one or more educational programs based on the profile information and the educational goals information. A return-on-investment (ROI) assessment may be computed for each of the educational programs based on the educational goals information and the cost assessment. In some embodiments, the ROI assessment for one of the educational programs may be further based on historical information (e.g., demographic information and education information) for a plurality of students. One or more of the educational programs may be selected based on the respective ROI assessments. Finally, information regarding the selected educational programs may be sent to a client computing device.

Abstract: At least some embodiments are directed to an exemplary computer-based electronic activity tracking system that detects activity patterns receiving data values that represent at least one electronic activity. The exemplary electronic activity tracking system includes a detector of unsecure electronic activities that identifies electronic activity patterns performed by a user or non-person entity. The detector of unsecure electronic activities utilizes unsupervised machine learning techniques to detect the electronic activity patterns. The detected electronic activity patterns correspond to unsecure or malicious electronic activities. The electronic activity tracking system outputs notifications indicative of identified unsecure or malicious activity patterns and identifies entities associated with such unsecure or malicious activity patterns. The exemplary electronic activity tracking system implements a graphical user interface operated from a client computing device.

Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.

Abstract: A data processing system is disclosed for accessing databases and updated data items and triggering event notifications. The data processing system may comprise a first database including a plurality of records, and a second database including a plurality of trigger indicators. The database system may further include a hardware processor configured to execute computer-executable instructions in order to: receive an update data item; identify a record corresponding to the update data item; cause an update to the record based on information included with the update data item; identify a trigger indicator corresponding to the update to the record; determine that a type of the trigger indicator matches a type of the update to the record; and generate an event notification including information included in the update.

Abstract: A method may include retrieving document details associated with a user from at least one database stored on a storage device, the document details including a user identifier that identifies the user, a due date, and an amount; querying, using at least one processor, the at least one database using the user identifier to determine at least one value for the user, the at least one value including a historic value; matching the historic value, due date, and amount to an electronic message property set from a plurality of message property sets; applying the electronic message property set to at least one electronic message; and transmitting the at least one electronic message in accordance with the applied property set.

Abstract: Disclosed herein are system, method, and computer program product embodiments for reconciliation needed to enable access to accelerated contribution funded accounts (CFAs). An embodiment operates by configuring a management database to store a linked CFA associated with a CFA and an asset-transfer on demand account (ATODA). A transfer processing system of a provider may receive a transfer file from an employer. The transfer processing system may delay transfer reconciliation of the linked CFA until a transferred amount is received. During transfer reconciliation, the transfer processing system may resolve the ATODA using the received transferred amount. Upon resolution of the ATODA, the contribution processing system may concurrently send information to a bank server and a card server to reconcile the respective bank and card accounts with the linked CFA at the provider.

Abstract: Various embodiments of the present invention set forth techniques for monitoring risk in a computing system. The technique includes creating one or more risk objects, where each risk object of the one or more risk objects has a corresponding stored risk definition, the stored risk definition associating the risk object with raw machine data pertaining to the risk object, the raw machine data reflecting activity in an information technology (IT) environment. The technique further includes receiving a selection of a first risk object included in the one or more risk objects and receiving a first risk definition that corresponds to the first risk object. The technique further includes performing a search of the raw machine data according to the first risk definition, wherein a risk is identified based on the search of the raw machine data and performing an action based on identifying the risk.

Abstract: A method of the present disclosure includes a host system authenticating a user of the user device to access secure host information associated with the user in a database. A request may be transmitted to a third-party system to access secure third-party information stored by the third party based on third-party authentication information. The host system may receive the secure third-party information and store the secure third-party information in a memory location of the database that is associated with a different memory location including the secure host information. The memory location and the different memory location may be associated in the database based on a common information type. The host system may generate a graphical user interface that positions the secure host information and the secure third-party information in the graphical user interface based on their respective location in the database.

Abstract: Methods, apparatuses, and systems are described for dynamically navigating interactive communication systems. An example method may comprise: receiving, from a user device, sound waves or audio information, the sound waves or audio information indicative of a request to initiate an interactive communication session with a communication system of a biller or merchant; interpreting, based on the sound waves or audio information, an intent of the communication session and an identity of the biller or merchant; retrieving a predetermined interaction coding associated with the biller or merchant; and initiating the interactive communication session with the communication system of the biller or merchant based on the predetermined interaction coding.

Abstract: A multipath explorer may allow a user to quickly visualize an entire population of data hierarchically in a tree-like structure. For example, a user can select a first filter to be applied to a data set, and the multipath explorer can display data in the data set that satisfies the first filter requirements and data in the data set that does not satisfy the first filter requirements. A second filter can be applied to the data in the data set, and the multipath explorer can display data in the data set that satisfies the first and second filter requirements, data in the data set that satisfies the first filter requirements and not the second filter requirements, data in the data set that satisfies the second filter requirements and not the first filter requirements, and data in the data set that does not satisfy the first or second filter requirements.

Abstract: Systems, methods, and computer-readable storage media for monitoring a pipeline of data without modifying code or otherwise impeding the pipeline. This is accomplished by identifying a class of software functions which modify other software function upon execution without modifying code for the other software functions, monitoring a pipeline of data to identify a plurality of jobs, the each job in the plurality of jobs comprising header information and body information, initiating, for each job in the plurality of jobs, a plurality of processes, modifying the plurality of processes based on the class, to yield advice modified processes, and outputting a status of the advice modified processes without modifying the pipeline.

Abstract: Systems and methods of authenticating online purchases by detecting a presence of an authorized smart card at a personal computing device of a customer are disclosed. An issuer computing system maintains a customer database of personal information and financial information for a plurality of customers with issued smart cards. An authentication logic receives an authentication request sent from a local merchant circuit at the personal computing device over a network. The authentication request comprises an authentication code provided to the local merchant circuit by a contactless chip of a smart card. The authentication logic authenticates the authentication request by comparing the authentication code with stored information in the customer database and transmits an authentication approval to the personal computing device, wherein the authentication approval enables an online purchase transaction request corresponding to the authentication request.

Abstract: Systems and methods for providing expedited promotions are disclosed. In one embodiment, a method may include (1) a financial institution server comprising at least one computer processor receiving, from a merchant, a transaction comprising an identification of a good or service, a customer financial instrument issued by the financial institution, and a promotion identifier; (2) the financial institution server retrieving a promotion associated with the promotion identifier; (3) the financial institution server approving the transaction with the financial instrument; and (4) the financial institution server automatically applying the promotion to the transaction.

Abstract: The disclosed embodiments generally relate to techniques for tailoring messages for network communication. More specifically, the disclosed embodiments relate to systems and methods to provide customized information updates based on recipient preferences. For example, a recipient may prefer receiving updates less frequently than the system creates updates and/or may prefer to receive different levels of data in the updates. In some embodiments, a deltasnap technique is provided which allows for more efficient tailoring of the rate that update messages are provided. In some embodiments, a partitioning technique is provided which allows for more efficient tailoring of the content of update messages. In some embodiments, the deltasnap technique is provided in combination with the partitioning technique which allows for more efficient tailoring of the rate and content of the update messages.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A processor receives global positioning system data from a mobile device of a user of an account. The processor further receives information from a vendor, indicating that a transaction using the account was attempted. The processor determines, based on historical transaction and location information, and current transaction information, a probability that the transaction is fraudulent. In response, the processor rejects the transaction, and deactivates a card and mobile wallet of the user. The processor also sends a notification to the mobile device requesting a voice confirmation. The processor receives the voice confirmation, splits it into a set of voice characteristic data and determines, based on voice characteristic data stored in memory, that the voice confirmation was generated by the user. In response, the processor reactivates the card and the mobile wallet and stores a set of information describing the transaction in memory.

Abstract: A system and method for providing sensory analytics responses. The method comprises collecting raw data from a plurality of data sources; extracting, from the collected raw data, a subset of the raw data to be analyzed; generating, based on the extracted subset of the raw data, an analytics dataset, wherein the analytics dataset includes a performance indicator; determining, based on at least one received input, at least one query; determining, based on the generated analytics dataset, a response to the at least one query, wherein the response includes at least one sensory output; and causing projection of the determined at least one sensory output.

Abstract: Embodiments provide systems and methods for modeling future asset value, which may establish planning simulation and optimization parameters for an individual, execute a planning simulation based on the parameters, analyze results of the planning simulation to determine candidate plans with highest chances of success, determine, from among the candidate plans, an optimal plan, based on executing concurrent gradient descent that includes executing steps of gradient descent in parallel, and report the optimal plan. Embodiments may also provide systems and methods for describing a portfolio and investment goals in a manner comprehensible by the investor, modeling financial plans that meet those goals, simulating those plans over time, selecting the plans that demonstrate the greatest utility for the investor, executing those plans in the market, and continually revising plans as circumstances change.

Abstract: Methods and systems for dynamically allocating amounts amongst a plurality of database records associated with recipients for value transfer processing. The system intercepts received value transfer notifications and determines an allocation of the value quantity to two or more recipient accounts without first writing the value quantity to an internal ledger user record associated with the recipient. The allocation may be based on a priority ranking of accounts determined by the system based on allocation rules. The allocation rules may be based on internal recipient data and/or external third-party data. The priority ranking may be partly based on projecting inflows and outflows from the user records over a window of time and applying an optimization function.

Abstract: Methods and systems for hosting a virtual environment in which geographic coordinates of a user are mapped to virtualized coordinates of an avatar in the virtual environment. The user's geographic coordinates may be compared to real world geographic coordinates of one or more entities having a presence in the virtual environment. The user may be presented with options for accepting or activating a first reward from the list of rewards. Responsive to the user selecting the first reward, the first reward may be activated for a first time period in association with one or more goods or services offered by the first entity. The user may be rewarded in response to verifying the user has purchased the offered goods or services during the first time period.

Abstract: An application page interception method includes running a target application and responding to an operation for the target application; receiving application information of other applications, which includes operation display pages; determining whether the application information matches the predetermined interception strategy; and prohibiting the operation display pages of the other applications from popping up when the application information matches the predetermined interception strategy. The method can prohibit the operation display pages of other applications from popping up according to the predetermined interception strategy when the target application is run, so as to avoid the user from being disturbed by the popped-up operation display pages of other applications when the target application is run, thereby improving the user experience.

Abstract: One example method of operation may include determining a network mode of operation designated by a managing device communicatively coupled to a plurality of network devices, identifying whether one or more of the plurality of network devices are violating one or more compliance measures associated with the network mode of operation, and determining via the managing device whether to accept the network configuration or reject the network configuration based on whether one or more of the compliance measures are violated.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for preapproving a loan. An example method includes receiving, from an online marketplace server device, a preapproval request provided by a user for a loan preapproval to purchase a first property. The example method further includes obtaining credit information associated with the user from a credit server device. The example method further includes generating a preapproval data structure based on the preapproval request and the credit information. The example method further includes generating a preapproval token based on the generated preapproval data structure. Subsequently, the example method includes transmitting the generated preapproval token to the online marketplace server device.

Abstract: Systems and methods for medical intervention using machine learning techniques are provided. One or more embodiments include receiving data associated with a medical condition from a user. Based on the user, a patient profile is retrieved from a database. An intervention is determined for the medical condition based on a patient history provided as an input to a machine learning model that recommends interventions. The intervention is sent to a user device associated with the user. Changes are monitored in one or more health metrics associated with the user. The machine learning models are re-trained based on the monitored changes and the intervention.

Abstract: A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, extract a first structure of computer-readable data from the image data, associate a first payee identification parameter with the first structure, determine that the first structure is stored in association with a verified payee at a payee database based on the first payee identification parameter, and in response to determining that the first structure is stored in association with the verified payee, update an account of the user to enable the user to utilize the user computing device to authorize a payment to the payee.