Abstract: The present disclosure provides systems and methods for generating title reports in standardized formats and providing an environment for exchanging the title reports. The system can receive property documents from a plurality of sources. The property documents can be appended with metadata so as to enable the system to order the property documents within a title report. In some examples, generated title reports can accessible within a cloud environment for requesting entities to access.

Abstract: A control apparatus is configured to control a vehicle. The vehicle includes an engine, a generator, and a drive motor. The generator is configured to generate electric power by using motive power to be outputted from the engine. The drive motor is coupled to a drive wheel. The engine, the generator, and the drive motor are coupled to each other via a planetary gear mechanism. The control apparatus includes a processor configured to control an operating point of the engine by controlling respective operations of the generator and the drive motor. The processor is configured to change a fuel consumption characteristic of the engine on the basis of traveling characteristic data, and to control the operating point of the engine on the basis of the fuel consumption characteristic. The traveling characteristic data indicates a traveling characteristic in the past of the vehicle driven by a driver of the vehicle.

Abstract: A storage controller system includes a hardware functional module, implemented in hardware on a System On Chip (SOC), that: in response to receiving a synchronization trigger, sends, to a message sender, a first message that includes a value for a local credit. The local credit is associated with flow control. In response to receiving the first message from the hardware functional module, the message sender updates the local credit with the value that is included in the first message. If the message sender has a second message to send, the message sender determines whether the local credit has a non-zero value or a zero value; if the local credit has the non-zero value, the second message is sent. If the local credit has a zero value, the second message is retained. A storage interface, implemented on the SOC, communicates with storage media via an associated channel.

Abstract: A system and method for allowing a user to manage transactions in an online credit card application. The system includes a back-end server operating the online application and including a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can link one or more external bank accounts to the online application, provide a list of transactions that were made using the credit card, enable a user to select one or more of the transactions in the list to be paid independent of the other transactions, and enable the user to pay the selected transactions using the one or more external bank accounts.

Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.

Abstract: A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.

Abstract: A system for automated edit check generation is disclosed. The system may write a template edit check based on a custom edit check, add a parameter set for the template edit check, add a value for each parameter of the parameter set, and generate an edit check based on the template edit check, the parameter set, and the value.

Abstract: According to one embodiment, a computing environment having multiple Information Handling Systems (IHSs), each having one or more field replaceable units (FRUs) and a ledger of a blockchain. Each IHS includes computer-executable instructions to receive a signal indicating that one of the FRUs has been removed, obtain unique identifying information about the removed FRU, and generate a new block to the blockchain indicating that the one FRU has been removed from the IHS. Additionally, the instructions may receive a signal indicating that another FRU has been added, obtain unique identifying information about the added FRU, and generate a new block to the blockchain indicating that the one FRU has been added to the IHS.

Abstract: Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.

Abstract: Techniques are disclosed relating to dynamically determining a data load process usable with a decision service for responding to requests to the decision service. The data load process may be selected from either a full data load process that loads data needed for all the rules in the decision service, or a selective data load process that loads data needed for a subset of the rules in the decision service according to embodiments. The decision service may determine the data load process to implement based on an evaluation of a decision blueprint in response to receiving the request, where the decision blueprint includes a set of rules interconnected by flow paths. Evaluation of properties of the rules and flow paths based on input data in the request may be used to determine the data load process to implement. Overall, this results in faster execution times in various circumstances.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method further includes displaying to the user a completed generated form in an appropriate channel format, and provides a process for secure e-signature and cross-stream utilization of user input.

Abstract: Leveraging generative artificial intelligence (‘AI’) for securing a monitored deployment, including: receiving natural language input associated with the monitored deployment, the monitored deployment monitored by a monitoring tool; and receiving, from a generative AI application, a response to the natural language input, wherein: the generative AI application accesses publicly available information as well as data sources associated with the monitoring tool; and the response is generated based at least in part on information contained in the data sources associated with the monitoring tool.

Abstract: A system and method for allowing a user to manage transactions in an online credit card application. The system includes a back-end server operating the online application and including a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can link one or more external bank accounts to the online application, provide a list of transactions that were made using the credit card, enable a user to select one or more of the transactions in the list to be paid independent of the other transactions, and enable the user to pay the selected transactions using the one or more external bank accounts.

Abstract: A query operation is performed to obtain information for a select entity of a computing environment. The information includes boost information of one or more boost features currently available for the select entity. The one or more boost features are to be used to temporarily adjust one or more processing attributes of the select entity. The boost information obtained from performing the query operation is provided in an accessible location to be used to perform one or more actions to facilitate processing in the computing environment.

Abstract: Using exported data of a machine learning model and a model training environment specification, a resource usage specification and a code module usage specification of the model are identified. A code module installation specification is determined from a code module requirements specification and a target execution environment specification. The code modules specified by the code module installation specification are caused to be installed in the target execution environment. Using data of the updated target execution environment, the updated target execution environment is validated for execution of the model. Execution of the model in the updated target execution environment is simulated. The model is deployed in the updated target execution environment responsive to the simulating being successful.

Abstract: Provided is a method for detecting group activities in a network. The method may include receiving interaction data associated with a plurality of interactions. For each account identifier associated with at least one interaction, a value may be determined for each of a first set of categories, and a vector may be generated based on the value for each category. The length of each vector may be determined. At least one relational graph may be generated based on the interaction data. Each relational graph may be associated with a respective category of a second set of categories. At least one cluster of nodes may be determined based on the relational graph(s). A score for each cluster may be determined based on the length of the vector associated with the account identifier of each node of the cluster of nodes. A system and computer program product are also disclosed.

Abstract: A financial services system that utilizes a user device and a blockchain having a blockchain ledger includes. a host database having a non-transitory computer-readable medium including code and a host controller that executes the code. The host controller enables communication between a first digital wallet on the user device and one of a local currency account and a digital currency account to initiate a deposit via one of the currency accounts. The deposit can be assigned a transaction ID that is recorded to the blockchain ledger. The transaction ID can include a deposit currency value.

Abstract: Methods, systems, and media for providing a networking platform for dynamically aggregating and routing loan inquiries are provided.

Abstract: The disclosure herein describes a virtual commute experience system. In some examples, the virtual commute experience includes receiving a plurality of information from one or more different programs; in response to a trigger event, launching a virtual commute experience; in response to the launch of the virtual commute experience, displaying a first portion of the plurality of information from the one or more different programs; receiving a first user interaction; in response to receiving the first user interaction, displaying a second portion of the plurality of information; receiving a second user interaction; outputting a prompt to continue or end the virtual commute experience; and in response to receiving a response to the prompt to end the virtual commute experience, pausing notifications generated by one or more different programs via the user interface until another trigger event.

Abstract: This technology relates generally to data assembly and analytics, as can be used in the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Embodiments of this technology provide systems and methods for creating objects which can be used in multiple implementations to generate scores.

Abstract: A computer-implemented method for determining a reward associated with one or more transactions of a user may comprise obtaining travel data of the user via a device associated with the user, wherein the travel data includes travel dates of the user; obtaining, via one or more processors, exchange rate data based on the travel data of the user; determining, via the one or more processors, a value of the reward associated with the one or more transactions of the user during the travel dates based on the exchange rate data; transmitting, to the user, a notification indicative of the reward associated with the one or more transactions; and causing the reward associated with the one or more transactions to be directed to a financial account associated with the user.

Abstract: A method for authenticating a user identity linked to a user account may include receiving information that asserts a user identity including a user identifier, accessing external data stores to receive data rows that are associated with the user identity, and accessing monitoring systems to receive data vectors. The monitoring systems may monitor transmissions to receiving systems, the data vectors may include numerical target values for the receiving systems, and the data vectors may be accessed using the user identifier. The method may also include determining whether the data rows can be matched to the data vectors, and based on that determination, authenticating the user identity.

Abstract: Machine-learning prediction of occupancy status of real property. In an embodiment, ground-truth data, comprising property records, are received. The property records are normalized and augmented with property-specific data. Feature vectors, which are labeled with a known occupancy status, are generated from the normalized and augmented property records and used to train a machine-learning model to predict occupancy status based on a plurality of features.

Abstract: An information management system-implemented systems and methods for the continuous or near-continuous access to the real-time, near real-time or most recently available scientific characteristics inherent in existing catastrophic events, planet Earth's oceans, weather and environment, and the weather and the activity of our solar system, comprising methods for the continuous weighing, grading, prioritizing of the scientific characteristics, the calculation and quantification of such dynamic risks to humanity, assets, asset classes, infrastructure, and geographic locations, the application and implementation of artificial intelligence or machine learning to systems and methods, the presentation of such risks to a plethora of adapted computer terminals and devices, the exchange of such risk, and the system enterprise management architecture comprising the configurations and functions for the governance, implementation, and execution of systems and methods.

Abstract: Some embodiments provide a non-transitory machine-readable medium that stores a program. In response to receiving a request from a client device for an overall score for an entity, the program retrieves a first set of data associated with the entity and a second set of data associated with the entity. The program further uses a first computational model to generate a first score based on the first set of the data. The program also uses a second computational model to generate a second score based on the second set of data. The program further determines the overall score for the entity based on the first score and the second score.

Abstract: A system includes an intermediate mortgage integration platform as a service (MiPaas). Specifically, an MiPaas layer may facilitate integration between a loan origination system (LOS) and supporting services. The MiPaas layer may provide integration flexibility by enabling integration of the supporting services with each other and with different LOSs. Indeed, a number of MiPaas integration formats (e.g. REST API, OpenAPI, GRPC, GraphQL, Industry Standard interface, etc. may be provided to facilitate ease of integration between the LOS and the supporting services. Further, the MiPaas may provide processing efficiencies by adapting workflows based upon particular retrieved data. In this manner, efficient processing may be performed in an intermediate data processing layer, resulting in more efficient turnaround times and reduced processing requirements at traditionally over-burdened systems.

Abstract: Systems, methods, and computer-readable storage media to calculate an update characteristic value for a capacity plan having multiple sub-ledgers. One system can include a communication network interface, a memory, and one or more processors. The memory can store a ledger to broadcast exchanges associated with the capacity plan. The one or more processors can identify a predetermined capacity plan characteristic value indicating a minimum update per cycle value for the capacity plan or a time period for completion of an update of a value of the capacity plan to zero. The one or more processors can calculate an update characteristic value for updating the value of the capacity plan to zero. The one or more processors can transmit, via the communication network interface, a record comprising the update characteristic value.

Abstract: An apparatus, system, and method, each of which: stores in a memory information relating to a plurality of forms each issued by a first user; receives, from a first terminal of the first user, a request for applying a service based on a particular form of the plurality of forms, and an identifier of the particular form; and transmits a request for applying the service and the identifier of the particular form to a second terminal.

Abstract: Systems and methods for distributed risk analysis are discussed.

Abstract: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.

Abstract: The EMERGENCY RESPONSE MANAGEMENT APPARATUSES, METHODS AND SYSTEMS (“ERMS”) transform emergency related inputs and sensor information into a threat indication category, which is distributed to individuals and/or first responders for managing the threat. In one implementation, the method includes an emergency management processor-implemented method that receives sensor readings from one or more sensor devices and generates risk factors for the at least one sensor device. The generated risk factors are then curve fitted to a plurality of statistical distribution curves including both non-extreme and extreme statistical distributions, wherein each of the statistical distribution curves is indicative of a threat category. The threat category is then determined based on the generated risk factors that provide a best fit with one of the plurality of statistical distribution curves.

Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.

Abstract: A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.

Abstract: Systems and methods are described for automatically processing data stored in one or more databases using machine learning to detect entities (such as health care providers, health care plan members, patients, pharmacies, and so forth) associated with health care claims that are suspected of fraudulent, wasteful, and/or abusive activity. The techniques may further or alternatively involve generating and presenting, for a set of suspected entities, natural language explanatory information explaining how and/or why each of the respective suspected entities is considered to be suspected of fraudulent, wasteful, and/or abusive activity. Feedback provided by fraud analysts and/or other subject matter experts in the misuse detection space is used to facilitate misuse detection and misuse detection presentation.

Abstract: Aspects of the disclosure relate to data feed meta detail categorization for confidence. A computing platform may retrieve source data from a source system and identify a first set of patterns associated with the source data. The computing platform may retrieve, from a target system, partially transferred data associated with an ongoing data transfer from the source to the target system and identify a second set of patterns associated with the partially transferred data. The computing platform may evaluate integrity of the partially transferred data by comparing the first set of patterns with the second set of patterns. The computing platform may detect whether the first set of patterns falls within an expected deviation from the second set of patterns based on the comparison and halt the ongoing data transfer based on detecting that the first set of patterns falls outside the expected deviation from the second set of patterns.

Abstract: A computer-implemented system, method and computer program product for detecting fraud. The system and method receives data representing transacting parties where a party transacts with another party to define a relationship therebetween. The received data is incorporated into a relationship network graph comprising nodes that capture data about transacting parties and corresponding information associated with each transaction. A risk model is run that is configured to determine a risk weight for the relation between nodes associated with the transacting parties based on the data captured in the relationship network graph. Then there is determined a degree of a party's association score based on risk scores of nodes associated with the party and a defined relationship with another suspicious party. The system then dynamically updates the risk weight of the relation based on the party's association score.

Abstract: Aspects of the disclosure relate to data feed meta detail categorization for confidence. A computing platform may retrieve source data from a source system and identify a first set of patterns associated with the source data. The computing platform may retrieve, from a target system, transferred data associated with a data transfer from the source system to the target system and identify a second set of patterns associated with transferred data. The computing platform may evaluate integrity of the transferred data by comparing the first set of patterns with the second set of patterns. The computing platform may detect whether the first set of patterns falls within an expected deviation from the second set of patterns based on the comparison. The computing platform may send one or more notifications based on detecting that the first set of patterns falls outside the expected deviation from the second set of patterns.

Abstract: Decentralized computer systems and methods are disclosed for analyzing transaction attributes and dispute information using blockchain. One method includes: receiving a first transaction information of a first transaction, wherein the transaction information includes attributes of the first transaction; generating a blockchain entry that stores the received attributes in a shared ledger to participants of the blockchain; receiving an input of a selection of an attribute of the first transaction from a participant of the blockchain to analyze other transactions having the selected attribute; compiling a list of other transactions having the selected attribute; receiving transaction information for each transaction of the list of other transactions; and generating, on a user interface, an analytics report of the attributes of the other transactions.

Abstract: A framework for interpreting machine learning models is proposed that utilizes interpretability methods to determine the contribution of groups of input variables to the output of the model. Input variables are grouped based on correlation with other input variables. The groups are identified by processing a training data set with a clustering algorithm. Once the groups of input variables are defined, partial dependent plot (PDP) tables for each group are calculated and stored in a memory, which are used for calculating scores related to each group of input variables for a given instance of the input vector processed by the model. Furthermore, Shapley Additive Explanations (SHAP) values for each group can be calculated by summing the SHAP values of the input variables for a given instance of an input vector per group. These scores can then be sorted, ranked for each interpretability method, and then combined into one hybrid ranking.

Abstract: A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.

Abstract: A method for mobile credit acquisition is disclosed. The method deploys a shopping incentive offer, the shopping incentive offer for a shopping incentive. A device identifier associated with a user's mobile device is received in response to a user responding to the shopping incentive offer on the user's mobile device. In addition, a user identifier is received for the user. The device identifier and the user identifier are used to obtain user specific information useable for a credit prescreen. The shopping incentive is then provided to the user's mobile device. If the user does pass a credit prescreen, a pre-approved credit offer is also provided to the user via the user's mobile device in conjunction with the shopping incentive.

Abstract: A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction account provider server and may invite the user to select an offer. In response to the user's interaction with the offer, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and/or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process via cross document messaging and cross domain scripting. In this manner, the merchant server and the transaction account provider server may interact with a user within a single web page.

Abstract: A method for providing pre-data breach monitoring provides information to businesses that is useful to predict portions of the company data that may not be secured well enough and other risks associated with data breaches, such as employees that may not be trustworthy.

Abstract: A Software as a Service (SaaS) management platform (SMP) is provided, the SMP configured to perform a method including: receiving a plurality of expense records for a customer organization, wherein each one of the plurality of expense records identifies a user, a vendor, and an amount spent; using a first machine learning model to analyze the plurality of expense records and determine which ones of the expense records represent software purchases; using a second machine learning model to analyze the expense records that are determined to represent software purchases, and identify software titles that the software purchases are for; surfacing the expense records that represent software purchases, in association with their respective identified software titles, through a user interface of the SMP for the customer organization.

Abstract: An integrated computerized system, method, and non-transitory computer readable media oriented to mobile computerized devices such as tablet computers and Smartphones, for assisting users in conducting site visits and tours to various real properties of interest. The method comprises various software modules, including software modules to assist in various numeric comparative property evaluation schemes, modules to automatically present building floor plans and other information at defined tour locations, and modules to show images or CAD drawings of proposed property modifications (often using augmented reality techniques). Other modules may additionally help manage the tour, including semi-automatic notification of tour itinerary changes, management of tour route instructions, and audio or text narration during selected portions of the tour.

Abstract: A computer implemented system, method, or computer readable medium for providing a interactive digital tool that permits users to investigate and evaluate financial, trade, and business-related risks. The system, method, or computer readable medium can be configured to include a software engine that identifies risk subgraphs or other subgraph features in accordance with automated traversal based on a set of rules.

Abstract: A computer system accesses electronically stored data pertaining to a consumer's current and historical credit reports from a plurality of credit bureaus. Errors in the reports are identified by the computer system, which can then create dispute letters detailing the errors with text customized for each error. The computer processes the data to identify errors within a single report and between multiple reports, both current and historical. The errors can relate to multiple accounts on a given report duplicating the same debt with the same or differing status, and reports from different credit bureaus reporting the same debt with differing status. The status can include the debt being open or closed, and the date the status of the debt changed. The errors are presented on a display with which particular errors can be selected to be included in the report.

Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.

Abstract: A system and method are described which attempt to connect merchants with phone numbers that are known to be associated with fraudulent users.

Abstract: An apparatus for customization and utilization of target profiles, the apparatus comprising: a processor and a memory communicatively connected to the processor, the memory containing instructions configuring the processor to receive a data set comprising a plurality of target data, determine a validity status of the plurality of target data within the data set, modify the data set as a function of the validity status, determine one or more protection gaps within the modified data set using a gap finder module, generate one or more target profiles as function of the modified data set, the one or more protection gaps, and a user input, and modify a graphical user interface as a function of one or more target profiles.